23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason # 1 : The tradeline is not reporting on XXXX  credit report. 
Per FCRA accounts must report accurately or they must be removed immediately. This is an inconsistency. XXXX  deleted the tradeline back in XX/XX/2020. I have documentation as well. 

Reason # 2 : The original lender verified the account was purchased by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX investigated and closed the account. As well as sent the credit agency 's documentation back in XX/XX/2020 to delete the account. I've sent in documentation from the original creditor and XXXX to show proof as well. The tradeline is still presenting on my credit report. The credit bureau is refusing to delete the tradeline. This was over a year ago.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. 

The payment was reported late on XX/XX/2024 to XXXX, XXXX, and XXXX despite violating the aforementioned statutes as well as me submitted every piece of documentation required to date to verify that I submitted my payment in a timely manner.
Product: Debt collection

I sent a debt validation letter on XX/XX/20 asking that they would validate the amounts of XXXX listed on each bill they claim I owe. This company has failed to validate my debt. Instead they sent a list of medical records which I know is a direct violation of HIPAA Regulations. I never signed a HIPAA Release Form authorizing them to have access to this information. My privacy has been violated completely. Please delete this from my credit file and cease all collection activities immediately.
Product: Credit reporting or other personal consumer reports

I contacted and informed the company that I was a victim of fraud and explained what I was disputing and the company claimed that they sent a letter to the 3 bureaus to have the hard inquiries removed but nothing happened.
Product: Credit reporting or other personal consumer reports

XXXX 's XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Subject : Credit Report Dispute Dear Sir/Madam , I am writing to dispute the information in my credit report, file number [ insert your file number here ]. I believe there are inaccuracies that need immediate attention and correction. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report ( 15 U.S.C. 1681 ), which is the basis for my dispute. The specific sections of the FCRA that I believe are related to my dispute are as follows : 1. Section 604 ( a ) ( 2 ) A consumer reporting agency may furnish a consumer report under specific circumstances only. I believe that the report regarding my late payments was furnished without due diligence or without appropriate permissions. 

2. Section 623 ( a ) ( 5 ) A furnisher of information to consumer reporting agencies must accurately report the date of delinquency on an account. If there is an error regarding the date of my alleged late payments, it should be corrected.

3. 15 USCS 1666b This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless appropriate notice has been given to the consumer. I believe that this provision is relevant to my dispute.

The late payments listed on my credit report from [ creditor 's name ] are erroneous. I have made all necessary payments on time and have never been late. I request that these late payments be investigated and removed from my credit report. 

Please provide me with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

I understand that you are required by law to investigate and respond to my dispute within 30 days of receipt of this letter. I am keeping a copy of this letter for my records and expect to receive your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX.
Product: Debt collection

I have filed BK and it was discharged I put in a complaint with CFPB and was closed by you I have documentation proof my student loan was discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDXXXX XXXX, Complete XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Have reached out several times trying to get documents because I was told that I took out a second mortgage on the home but I did not and ask for the documents where I would have signed if I did. I have not received any documents to support this. After several calls I was sent some documents stating that If I think that I have been a victim of Identity thief then take these documents to the nearest police department. I have not received any documents with my signatures on a second mortgage and I want the amount of {$9600.00} to be removed from my mortgage immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX  Account # XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section

602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : I
t also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX**** XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX  XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I had a mortgage with CenterState and they merged with SouthState in XX/XX/XXXX. The payments for this mortgage were being drafted out of my credit union checking account by CenterState. I did not realize there was a problem until I received a notice from a credit monitoring service that I had a 30 day late payment on my mortgage. I investigated this because I knew my payments had been drafted out every month on time. I called SouthState and they had not applied any payments to my account since XX/XX/XXXX. Even though CenterState automatic withdrawals have come out of my account for XXXX, XXXX, XXXX and XX/XX/XXXX. I have record of that. When I tried to log on to the CenterState website I had used to set up these automatically withdrawals in the beginning, it automatically forwards me over to SouthState 's website now. I have spoken to and sent in emails to the people SouthState has instructed me to and have gotten no assistance. In the meantime, in order to avoid more late payments to damage my credit, I made two payments on the SouthState online website. No one can help me stop further automatic withdrawals from CenterState from coming out of my account. My credit union said I need to file a fraud dispute so I will do that. Currently, I have 4 months ( over {$6000.00} ) of mortgage payments floating around somewhere and supposedly I still have a payment due to XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a XXXX job, I find myself unable to advance any further. As one of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling full-time college studies with a full-time job has added the role of a full-time XXXX XXXX  to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled an Early Warnings reporting and XXXX XXXX report, and XXXX XXXX XXXXXXXX is still reporting an old account with a balance on the report that had caused an adverse action against me and my business when attempting to open a new business account. I filed a XXXX XXXX Bankruptcy on XX/XX/XXXX and it was Discharged by the Bankruptcy  Court on XX/XX/XXXX, and the XXXX  XXXX XXXX account was included in the Bankruptcy that was to be discharged. I called back in XX/XX/XXXX, and was advised that the bank would resolve this, but it appears it never has complied with the bankruptcy order.
Product: Credit card

pay pal signed me up for a credit card without my knowledge or permission and then directed charges to their card instead of my chosen payment card.
Product: Credit card or prepaid card

I filed a dispute for {$280.00} 2 days ago and it posted to my account. I was told I will get a temporary credit for {$280.00}. Once it post to my account..That didnt happen I was on the phone for about two hours. In the end, they said we can not apply it to the available credit. I told her she is not correct. So basically I have to wait 90 days before the funds are released. So basically I have {$25.00} credit limit until the investigation is over. System will not allow me to make a payment more than {$26.00}. This is not acceptable, and this is very unacceptable. And also when I applied they told me a {$700.00} limit and that was their offer to me only $ XXXXwhen they mail the card to me. Capital one is not following the terms and conditions of the terms. And after five months of having the card they said they will extend credit to {$500.00} that did not happen. This card is not really giving me any benefits and limit is low. My other credit cards are around {$2000.00} to {$4000.00} credit limit.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

this credit card has been billing me and has never itemized the charges as I have been requesting for 2 years multiple times. When I call them they leave me on " hold '' and never return. They are hurting my credit score and now threatening to send the bill to a collection agency.
Product: Vehicle loan or lease

On XXXX XXXX I was in a horrible accident and my car was completely totaled. Since then my car insurance paid off their portion of the amount. Also working with XXXX insurance to pay the amount of the car off. Since than credit acceptance has continued to charge me the full monthly payment of XXXX $ for the past year. This includes hurting my credit score for over a year charging me for a car and a loan that should have been closed last year. I now have over a {$14000.00} balance. Ive tried to reach out to the company and have filed multiple complaints and havent heard back and I still continue to get charged.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Maryland XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX  {$78.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Product: Debt collection

I was first made aware of this company from five of my family members. This company contacted my dad, mom, my two brothers and my sister ... but never contacted me initially. I received one random voicemail from some woman stating that they were going to file against me in my county and that they were going to contact my employer. I attempted to contact them going on a week now to obtain written verification of this debt and I only get a voicemail. I have called a total of 28 times over a 7 day time frame during office hours.I received a credit alert notifying me that they are on my report. I havent obtained any information from them and they are on my credit report. According to several complaints on various websites, Im not the only person who has had this issue.
Product: Mortgage

Regions Bank turned down my XXXX XXXX XXXX XXXX mother 's equity line request for {$40000.00} to help take care of long-term care expenses. They claimed she did n't have enough credit history. This is absurd considering she bought her home in XXXX and made payments on it every month until is was paid off in XXXX. Since then, she has had multiple credit cards and lines of credit that have all been paid in full. What 's more she has bought multiple cars using credit over the years. In addition, she has a current XXXX XXXX XXXX credit card with a {$6800.00} balance that she pays monthly. As an aside, the XXXX credit card is the only debt she has. As for other information, her FICO score is XXXX ( according to Regions Bank ) her current front-end debt to income ratio is 12.7 % while the back-end ratio is about 24 %. Home is valued at about {$50000.00} according to various on-line Web sites and it paid for in full. Total income is XXXX monthly after taxes.
Product: Checking or savings account

On XX/XX/23, I was over an ex-friend of mines house and spent the night. I woke up the next day and left. While driving away, I checked my account and seen that XXXX was withdrawn from my account via debit. I also seen a pending transaction from XXXX for XXXX. I did not authorize neither of these. I immediately called my bank and XXXX. The operator told me that it was not an emergency and I dont have proof of who did it so theres nothing they would do. I called my bank and informed them about what happened. They immediately told me that since it was a debit, there will be no refund and nothing can be done not even a police report would help. I tried to cancel the XXXX  XXXX withdrawal because it was still in pending status. They said I have to wait until it posts and then put in a claim. I did and they denied the claim.
Product: Credit card or prepaid card

I had set up a payment plan with Discover card due to a financial hardship. They were auto drafting {$200.00} a month from my bank account for the last 2+ years. In XX/XX/2021, they did not withdrawal the money despite their being sufficient funds in the account and then reported it as a late payment to the credit bureaus. When I contacted them to have it resolved they claimed I had been making the payments to them and they were not automatically withdrawing. This is completely false and has now adversely affected my credit. I paid the balance and closed my account so it does not happed again, however I have no recourse to correct my credit.