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

I have an unauthorized inquiry from XXXX XXXX XXXX/CARVANA To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

I have tried to contact every one of the companies listed and most of them do not even have any record of me.
Product: Debt collection

XXXX 2016, terminated service with XXXX XXXX. A couple months later, received collections letter from Credit Collection Services about a debt. Called them to ask more information and for them to provide proof that I owed debt. They could not provide that information. They instead told me that I needed to prove that I didnt owe the debt. Contacted XXXX to get clarification. Was transferred numerous times and eventually disconnected. Called back to see if deposit money was every applied to account and if not, when will I receive it. Represenatives stated that they could not see back more than a year to see that information. 

Stopped my efforts to gain information. XXXX XXXX, collections account showed up on my XXXX credit report. I called XXXX directly and paid the past due amount while speaking to representative on phone while he ordered archived bills to check where the deposit money is. He stated to call back to have the account pulled from collections expedited. I also called and spoke to Collection Agency. They stated that they were not authorized to remove collection from my credit report. Only XXXX can do that. I found that questionable because XXXX did not report it, Credit Collection Services did. I also entered a dispute with XXXX. Called the collection agency and they verified that the account had a XXXX balance. XXXX is reporting paid in full. Spoke with the collection department at XXXX and she stated that she submitted the ticket to remove the account from collections and that my debt was paid. 

Collection accounts that are closed and returned to the original creditors are to be deleted from the XXXX reporting agencies, as these accounts are no longer in collection. 

This account has been paid to XXXX and I have receipts from XXXX proving that the accounts have been paid in full. 

Credit Collection Service verification of the accounts as a " Paid Collection '' is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; 15 USC 1692e ( 8 ) providing false information to credit reporting agencies. 

FCRA violations ; 15 U.S.C. 1681i duties of furnishers to provide accurate information. 

15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX CARDS on my credit report. The late payments in question were marked on the following account ( XXXX ) on the respective date ( XXXX ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX CARDS provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to XXXX, and TransUnion. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO THIS IS XXXX XXXX XXXX MY LAST CONSUMER FINANCIAL PROTECTION BUREAU(CFPB) COMPLAINT NUMBER IS XXXX AGAINST TRANSUNION. I JUST GOT OFF THE PHONE WITH XXXX XXXX WHO IS THE NEXT LEVEL UP SPECIALIST OF THE CFPB ONXX/XX/XXXX TO MAKE HER AWARE THAT I WAS ORDERED BY THE US DEPARTMENT OF HOUSING OF URBAN DEVELOPMENT TO SEND LEGAL DOCUMENTS TO CHA ENFORCEMENT DEPARTMENT AT XXXX TO THE ATTENTION OF XXXX XXXX WHICH INCLUDE A DOCTOR'S STATEMENT ORDERING TO PUT ME IN A BRAND NEW RESIDENCE THAT I FEEL SECURE IN  DUE TO ME AND MY FAMILY BEING VICTIMS OD MORTGAGE FRAUD, IDENTITY THEFT, STATUTORY SCHEME ACTS AND WRONGFUL SUSPENDED DRIVER LICENCES WE WILL NOT LIKE OUR NEW DWELLING IN THE SAME AREA OR NEIGHBORHOOD.
Sincerely: XXXX XXXX XXXX & FAMILY
                 XXXX XXXX XXXX XXXX XXXX XXXX  
                  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Details : Account : XXXX XXXX : XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with XXXX XXXX, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Debt collection

i received a response previously from this company advising that payment was made and this account is being updated but I have never made a payment and i sent the documents previously where this debt is apart of identity theft but this company refuses to delete this erroneous information from my credit file i have police report and affidavit reflecting that my identity was stolen this company refuses to recognize the uploads of the affidavit and police report from the cfpb
Product: Mortgage

In late XXXX XX/XX/XXXX I received my escrow statement showing that I would either have my monthly payment go up or I had to make a payment. I made this payment and Bank of America incorrectly applied this. I found this out on XX/XX/XXXX and immediately called. I was told that it would be fixed and applied properly and that I would get a statement on XX/XX/XXXX well before my due date of XX/XX/XXXX showing the correct amount. I received a statement on XX/XX/XXXX dated XX/XX/XXXX that showed the payments applied properly but did not correct my monthly payment to reflect this. I waited until today, XX/XX/XXXX to call as I had previously been assured that I would receive a correct statement on XX/XX/XXXX. Today I was told that the statement was incorrect but they would not provide me with a correct statement. I told them that I needed a correct statement so that A ) I would know the correct amount to pay and B ) so that I had a record especially since I had been told by them that I would have this corrected statement. Again, they told me no and that if I wanted a statement then I could wait until the end of XXXX when statements would be generated. This informed them would then cause my payment to be late, again, due by XX/XX/XXXX. Again, they told me this was the only option. This a sure fire way for people to be late on payments thus the start of the mortgage crises that we had in XXXX. They should be required to provide an accurate statement with the payee having enough time to get the payment to them on time. Bank of America clearly doesn't see it this way or care.
Product: Credit card or prepaid card

Chase credit cart does not allow the consumer to choose the monthly automatic payment amount. Chase only gives consumers two choices, to pay only the minimum amount or pay the full amount. Which effectively allows chase to charge the full monthly interest on the entire balance which is more than half than the minimum payment. Which means your balance never lowers or the debt never goes away.
Chase has a substitute pay plan called Blueprint payments, which gives you a option to choose a cate  gory of current monthly charges and pay for only those purchases in full. Which still leaves your prior balance interest at the same level and not lower that balance. Which also means the principal balance and interest never gets lowered. In addition to have to pay a larger lump sum the same month of your charges, which is a added burden on the consumer to manage the debt.     Every other banking institution gives the consumer the option to choose the monthly amount to set up automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of a charge off from my credit report, as it is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, this charge off is in violation of section 623 ( a ) ( 2 ) and 623 ( a ) ( 3 ) of the FCRA, which require that credit reporting agencies accurately report credit information and investigate disputes.

I am still receiving notifications of the card being charged, which further demonstrates the inaccuracy of this charge off.
Product: Credit reporting or other personal consumer reports

Notice of Dispute Regarding inaccurate report of tradeline Account And Deceptive Status Stating a Private Account was Late ( XXXX, XXXX, XXXX, XXXX ) Those Dates are Fraudulent and Wrong! The Experience was Private to the Household members. I Didn't give ( Experian, XXXX, XXXX ) Access to have this Private Information that I didn't give Written Authorization Nor do I Consent to Defaming my Character Block and Remove The Tradeline from my Credit File @ Experian, XXXX And XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website.

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Texas XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling.

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX  XXXX XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process.

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report.

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX  i noticed a fraudulent charge on my citicard credit card of {$63.00}. I immediately filed a dispute and closed the account. 5 months later ( XX/XX/XXXX  ) i received a bill from citicard with late fees included. I called Citicard back at least 10x to re-report. While it was in dispute i did not pay. I had PERFECT CREDIT and did not think that this could happen DURING A DISPUTE.. I attempted to co sign my daughters student loan ( as i did last year ) and that's how i found out that my credit score had dropped XXXX points. I was absolutely devastated and in panic, so i called and paid Citicard {$150.00} ( the original {$63.00} plus 3 months of late fees ) so it would stop lowering my credit score.I have opened a dispute with XXXX attorney General and also with XXXX. XXXX mentioned that i should also file a complaint with CFPB. I want my money back and my credit score repaired! They should not be allowed to do this! I just want someone to LOOK at my credit and SEE that i have NEVER paid anything late in my 27 years of establishing credit. Please help me!
Product: Mortgage

In XXXX of XXXX I purchased my property with 5 % and had PMI on my account. In XXXX of XXXX I began communcation with my current mortgage company ( XXXX XXXX ) to get my PMI contested and removed. I paid for a new appraisal and in XXXX of XXXX XXXX XXXX officially confirmed my PMI had been removed. In XXXX of XXXX a new servicing company SLS took over my mortgage. In XX/XX/XXXX I was I was back charged 7 months worth of PMI and moving forward was charged PMI ( as I currently am ). 

I have all documentation regarding my PMI removal from my original loan company ( XXXX XXXX ) including my new appraisal, a document stating my PMI has been successfully removed, and a statement from XX/XX/XXXX showing it had been successfully removed. I also have documentation showing that in XX/XX/XXXX I was backcharged for 7 months of PMI. I have current statements showing I am currently still being charged PMI. I have been trying to speak to a manager at SLS since XXXX of XXXX.
Product: Debt collection

received an alert on my credit profile regarding this alleged debt, which is not mine. As a victim of identity theft, this is fraudulent and part of an ongoing civil litigation matter ( XXXX XXXX : XXXX ). You have less than one hour to remove this debt from my credit profile. Failure to do so will result in the immediate filing of a police report, and this violation will be submitted as additional evidence in my civil litigation suit. 
found debt collector in my email spam box Violations and Concerns : Debt Parking : Placing or reporting this debt on my credit report without prior verification violates federal law. The Federal Trade Commission ( FTC ) has explicitly addressed this illegal practice and holds debt XXXX accountable for such actions. 

Failure to Validate Debt : As per 15 U.S. Code 1692g, I have not received sufficient evidence to substantiate this debt, including : Verification of the debt. 
A copy of a valid judgment, if applicable. 
The name and address of the original creditor. 
Inaccurate Reporting : Reporting debts without proper investigation and validation constitutes a breach of the FCRA, which requires reasonable investigation of disputes. Your failure to contact me prior to reporting this debt or conduct a reasonable investigation is a clear violation. 

Required Actions : Cease Communication : Immediately cease all attempts to contact me regarding this debt. 
Cease Reporting : Remove any reporting of this debt from all credit reporting agencies. 
Provide Verification : If you claim this debt is valid, send me documented proof, including all required information under 15 U.S. Code 1692g, within 1 day. 
Failure to comply with this request will result in a formal complaint being filed with the FTC, the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office. Additionally, I will pursue all legal remedies available, including seeking damages under federal and state law. 

This letter serves as my written dispute and notification that all communications regarding this matter must be in writing. Do not contact me by phone or other means.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX and Experian credit bureaus are reporting late payments which is Illegal. I have copy and pasted the Federal law 1681s-3 the Exclusion section.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. ALLY FINANCIAL Inquiry : XX/XX/2020. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated this inquiry. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Debt collection

Hello, I reviewed my credit profile and Saw an unknown DUPLICATE medical Bill from XXXX  XXXX XXXX XXXX XXXX XXXX I have not been to the hospital at this place nor am I liable. Keep in mind I have Medicaid insurance so my medical expenses are always paid in FULL. I have yet to receive any validation letters from the creditor and the credit bureaus are also ignoring my request. I have obtained an FDCPA lawyer to handle it from here because I don't know what else to do. I know it's against the law to ignore a consumer 's request. I have yet to receive a method of verification. This makes me angry because my credit score is being impacted!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card charged an annual fee. This is second year they have done this. I thought the card was closed. I don't have it or use it. I am a XXXX XXXX so I am not present at home for random mail ( been gone 2 years ). XXXX XXXX apparently charged a XXXX annual fee ( had no knowledge of it ) and added multiple fees ( now up to {$99.00} ) in a week!!! I found out when my credit score while buying a house decreased XXXX points for 30 days late so I quickly tried to call and fix it. 1 week later they reported AGAIN as 60 days late and now {$140.00}. None of this is correct. I paid the {$99.00} immediately after I saw what was going on even though I don't feel as though I owe them a dime. They told me I had to fax a letter why so I did. No response and no one will discuss it they just keep nailing me and now have it as {$58.00} going in 90 days. It's completely wrong and no one will fix it or help me. It destroyed the chance I finally had to purchase a home. Why would they not fix the situation and why is it legal for them to continue with fraudulent information? Please I need help fixing this!! XX/XX/XXXX XXXX points 30 days late. XX/XX/XXXX 2 weeks later XXXX 60 days late. Honestly I feel like it's fraud.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX