23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment charges applied to the following accounts : * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX I believe the late payment charges on these accounts are in error based on my understanding of the consumer rights and protections outlined in the U.S. Code : * Definition of Credit Card ( 15 U.S. Code 1602L ) : A credit card is any card or credit device used to obtain services on credit. I have always adhered to this definition.

* Requirements for Over-the-Limit Transactions ( 15 U.S. Code 1637B ) : I did not opt into any over-the-limit plan, and any related fees should not be applied without my explicit consent.

* Accuracy and Fairness ( 15 U.S. Code 1681 ) : I request a review of the accuracy of the late payment charges and their fair application.

* Timing of Payments ( 15 U.S. Code 1666B ) : The periodic statements did not provide the mandated 21 days before the payment due date, making the late charges unjustified. 
I kindly request a detailed review of the charges on the aforementioned accounts. If found to be in error, I ask for their removal and correction of any negative reporting to credit bureaus. 
Please respond within 30 days, confirming the resolution of this dispute. If the response is unsatisfactory, I will consider further legal action. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Creditt Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. C 1681 Section 602 A. States that I have a right to privacy.

Also, 15 U. S. C 1681 Section 604 A. Section 2, States that a consumer reporting agency can not furnish an account without my written instructions.

Also, 15 U. S. C 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more then 7 years.

Lastly, 15 U. S. C 1681s-2 ( A ) ( 1 ) states that 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.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is filing a CFPB complaint to request that the credit reporting agencies TransUnion, XXXX, and XXXX block and delete fraudulent information from their consumer credit reports under FCRA 605B ( 15 U.S.C. 1681c-2 ). The fraudulent items in question are : A home service account opened at XXXX on XX/XX/XXXX. 
A collection account from XXXX opened on XX/XX/XXXX, with a balance of {$670.00}, which appears related to the XXXX account. 
XXXX does not recognize the above accounts or collections, stating they were not opened or initiated by them and are the result of identity theft and fraud. To support this claim, XXXX has attached a copy of the FTC Identity Theft Criminal Complaint ( Case # XXXX ).
Product: Debt collection

I saw on my XXXX credit report that I owed a debt to XXXX XXXX XXXX. I never took out a loan with Riverbend cash in the first place.
Product: Debt collection

I recently checked my credit report and noticed XXXX XXXX XXXX is attempting and trying to get me to pay {$1200.00} to them. 

I dont know this company or never did business with this company.This companies doesnt have any proof or no signature of mine to validate this debt saying I owe them.
Product: Vehicle loan or lease

XX/XX/2020 XXXX AM I PURCHASED A USED VEHICLE FOR {$39000.00} {$5900.00} EXTENDED WARRANTY XXXX MILES FOR 10 YEARS {$290.00} TIRE DISPOSAL ENVIRONMENTAL PROTECTION TOTAL COST {$45000.00}. FINANCE CHARGE WAS {$16000.00} AND MADE THE APR 23 % OIL CHANGE WAS NEVER DONE I NOTIFIED THE DEALERSHIP AND PROVIDED PROOF I ALSO PROVIDED DIAGNOSTIC OF THE DAMAGES THAT WERE CAUSED DUE TO THEM NOT CHANGING THE OIL AND I ACTUALLY PAID FOR IT TO BE DONE. I WENT TO THE DEALERSHIP SO THAT THEY CAN FIX IT SINCE I PURCHASED AN EXTENDED WARRANTY I WAS TOLD THAT I DONT HAVE ONE. THE DIAGNOSTIC THAT WAS PERFORMED BY THE DEALERSHIP SHOWED MANY PROBLEMS AND THEY TOLD ME THAT THEY CANT HELP ME. EVEN AFTER THE EXTENDED WARRANTY WAS PURCHASED.
Product: Mortgage

I am writing to formally lodge a complaint against Flagstar Bank for inaccurately reporting a late mortgage payment to credit reporting agencies, which has unjustly affected my credit score by nearly XXXX points. This incident is not only a breach of trust but also a failure in their duty to process payments as instructed by their customers. 

In XXXX, XXXX I provided explicit instructions to a representative of Flagstar on how to process my mortgage payment due that month. After assuring me at the end of the call that everything was " good to go '', and thanking me for my time, I found out the following month that the representative had not in fact processed the payment, and no attempt was made to inform me of this oversight. It was only upon receiving a call from Flagstar in XXXX, XXXX, inquiring about a " late '' mortgage payment, that I became aware of the issue. 

Despite my surprise and immediate action to rectify the situation by providing payment instructions for the second timewhich were then correctly processedthis error has led to a XXXX point drop in my credit score due to Flagstar 's initial failure to process my payment as instructed and their subsequent reporting to the credit agencies that I had made the payment late. 

Furthermore, I attempted to resolve this matter internally with the bank by submitting a Credit Reporting Review Request, explaining the issue and highlighting my longstanding relationship with the bank ( I have two mortgages with the bank, # XXXX and # XXXX, that I've had for years and have never made a late payment ). Outrageously, my request was denied without any explanation or further recourse provided, reflecting a lack of consideration for customer service and the impact of their error on my financial standing. 

This situation has caused me undue stress and has materially impacted my creditworthiness due to no fault of my own. I have always prioritized my financial obligations and maintain a strong track record of timely payments, as evidenced by my history with Flagstar Bank and other financial commitments.
Product: Credit reporting, credit repair services, 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 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item and update it immediately in my report : XXXX XXXX XXXX XXXXXXXX. Please correct and update.
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX  days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15.

If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 
the account is XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received notification that this account was added to my credit report. I did not receive a dunning letter. This account says it was opened in XX/XX/2021 and reported in XX/XX/2021. They had plenty of time to notify me of this debt. I want it removed immediately, not sold to another company and returned to its original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SYNCB/PAYPAL and XXXX XXXX  XXXX XXXX XXXX ARE REPEATEDLY VIOLATING MY CONSUMER RIGHTS PURSUNAT to 15 USC 6802 ( a ) which clearly states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
IT IS CLEAR THAT THE LISTED FINANCIAL INSTITUTIONS ABOVE ARE IN CLEAR REPEATED VIOLATIONS OF MY CONSUMER RIGHTS PURSUANT TO 15 USC 6802 ( a ) and 15 USC 1681b having no written consent BY ME, THE CONSUMER, NATURAL PERSON with all RIGHTS GIVEN TO ME BY THE MOST HIGH GOD at birth. I DEMAND THAT THE ABOVE LISTED ACCOUNTS BE REMOVED FROM MY CREDIT PROFILES ON ALL 3 BUREAUS ( XXXX, XXXX AND XXXX ) WITHIN the next 7 business days or i will be forced to sue each INSTIUTION FOR KNOWINGLY AND WILLINGLY VIOLATING MY CONSUMER RIGHTS AND INTENTIONALLY CAUSING UNJUST HARDSHIP UPON MY LIFE BY REPORTING FALSE, INACCURATE, MISLEADING AND UNAUTHORIZED INFORMATION ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of a scam, they even hacked my email and got all of my information in 2019. I have all the police reports, and the pictures of fake checks and hacking proof more than once. Money was stolen from my other account twice after that. 
I can't open a bank account because Early Warning refuses to correct my information. I have solved everything with XXXX XXXX XXXX and XXXX. 
I'm asking for a resolution, to help me out to be able to open a bank account.
Product: Payday loan, title loan, or personal loan

I contacted them when we first got the loan back in XXXX after we made a few payments. I told OneMain Financial why isnt our money we are paying not bringing our balance down. I told OneMain Financial that this isnt right you all didnt disclose this high interest rate in the loan disclosures neither did OneMain Financial send us loan disclosures of this high interest rate. I asked OneMain Financial to reduce our interest on our loan and they said they couldnt in XXXX.Our loan payment is {$780.00} a month and only about {$9.00} goes to principal. This isnt fair lending practices. We did get behind in XX/XX/XXXX on our loan and OneMain Financial began calling and harass my relatives telling them that they needed a payment for my husband and telling our information about our account at OneMain Financial. These lending practices and harassing calls from OneMain Financial is very unethical.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Original Amount Owed {$2800.00} Account : XXXX
Product: Mortgage

we have a mortgage with BBVA Back in XX/XX/XXXX we went to the Bank and asked to do a Deferral for thee months. The Bank issued a Forbearance on the loan, that was XX/XX/XXXX, we maid our payments on time, never missed a payment, XX/XX/XXXX XXXX we Requested a payoff of the loan, we were in the process of a Re-finance,, we are Requesting a payoff of the Forbearance, as of to date we have had no Response from the Bank. XX/XX/XXXX we asked for payoff of Forbearance XX/XX/XXXX no correspondence with the bank we try to call and are re-routed to the country of XXXX, cant understand there language. we also Also back in XX/XX/XXXX they Requested we Pay Three month Escrow XXXX, XXXX XXXX paid {$970.00} All we want to do is pay off the Forbearance, not the Mortgage, Hope you can help us with this situation, we have had nothing but problems with this Bank we started with them back XXXX when we wanted a construction loan, What a Night Mare, the have gone from BBVA COMPASS Bank to BBVA Bank
Product: Debt collection

On XX/XX/2023 my PayPal account was hacked and {$3900.00} was removed from my linked XXXX XXXX account. I contacted XXXX XXXX and they found that none of the charges were authorized by me. PayPal seems to think I am responsible for {$1400.00} that was loaded onto PayPal Mastercards at 3 different XXXX. PayPal has not been helpful in investigating the charges. 
The XXXX XXXX claim # is XXXX. 
The PayPal reference # is XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the credit reporting agencies for failing to correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

The issue concerns a XXXX XXXX XXXX account that was charged off and sold to a debt collector. The collection agency failed to validate the debt, yet XXXX XXXXXXXX XXXX continues to report a balance on the account. According to the FCRA, information on my credit report must be accurate and not misleading ( XXXX XXXX. XXXX ( b ) ). Once the debt was sold, XXXX XXXXXXXX XXXX was required to update the account to show a {$0.00} balance. 

I have disputed this issue multiple times with the credit reporting agencies, but they have not corrected or removed the account as required by XXXX XXXX. XXXX ( a ). Their failure to investigate and resolve these disputes violates my rights under the FCRA. 

Under XXXX XXXX. XXXX, I am entitled to statutory damages of {$100.00} {$1000.00} for each violation. I request that this inaccurate account be deleted immediately, and I be compensated for the repeated failure to address my disputes. 

Thank you for addressing this matter promptly.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX XXXX collection accounts on my credit report with account dates of XX/XX/year> and XX/XX/year>. One has a balance of {$1600.00} and the other has a balance of {$890.00}. 

Neither of these accounts are MINE! I have no knowledge of this debt, nor is there a contract or any proof this is my debt. I am a customer of XXXX and then was merged into XXXX for the past XXXX years. 

I demand these collection accounts be removed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INFORMATION ON MY REPORT THAT I HAVE NO KNOWLEDGE OF AND ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back and forth with TransUnion regarding the inquiries on my credit report. I sent a letter on XXXX outlining inquiries on my credit report that were unknown to me and unauthorized. I then followed up with this letter on XXXX as TransUnion ignored my first correspondence. They continued to ignore me, so another letter was sent out to TransUnion on XXXX, again another request for an investigation and removal incomplete and denied. 2 more letters have been sent since on XXXX and on XXXX requesting an investigation and removal of inquiries that I did not authorize. 

When speaking with TransUnion customer service via phone, they really did their best to express to me that the burden of proof is on me. I have reached out to EVERY single one of the companies that are listed on the inquiries section of my credit report ... I have gotten some letters back from these companies just saying that " per the FCRA we can not assist you with your inquiry ''. I have sent this information to transunion and yet still no results.
Product: Credit card

Disputing fraud charges from day one of discovery  on XX/XX/XXXX, in the amount of {$2000.00}. 
Diligently worked with bank fraud department and existing claim specialist every week from XX/XX/XXXX to XX/XX/XXXX. 
Bank agents and fraud department did not lead the direction of investigation correctly : transactions might have made via on-line account that I did not setup personally, because I could not operate IT ; yet the on-line account was existing with incorrect personal information which I requested to correct them immediately on day 1 of the dispute XX/XX/XXXX. 
Bank agents did not acknowledge the pattern of my card usages which have been consistently established since day one I was granted the credit card, such as : 1. I did not ever spend money on these since I live very traditional XXXX lifestyle, 2. I never spent above XXXX XXXX monthly, 3. I always paid off my last month expense before the grace period, 4. I do not drive, this card has never used to pay for car gas, 5. My personal information in the profile were caught incorrect and updated on XXXX, 6. After XXXX once I called to dispute unauthorized transaction made on and after XX/XX/XXXX, I was told there were more transactions gone through.
Product: Credit reporting or other personal consumer reports

I contacted every company listed requesting documentation with my signature authorizing them to use my information and not one company has done such, these inquiries are damaging to my credit and are going to make it much longer to purchase a home in the future, the companies and said dates are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see most of these inquiries are by some of the same companies multiple times in a short period.
Product: Debt collection

Transworld Systems , Inc. ( TSI ) is a third party debt collector. I confirm nor deny any debt owed to TSI or the XXXX XXXX XXXX XXXX Exchange Services ( XXXX  ). I believe I have a case of misrepresentation against TSI. XXXX  closed and charged off an account, any remaining balance, if any, was sent to TSI for collection. XXXX  no longer controls the alleged debt. If XXXX  were to be called on the collection they say they have no control over the alleged debt and that it must be handled by TSI, XXXX  is a federal organization, TSI is not. TSI, in my opinion, has misrepresented itself as debt collector, in the attached document we clearly see TSI using the Department of Defense seal, as well as the Exchange logo, the seals and logos should not be used by a third party. TSI, is not apart of either government agency, rather they are a third party. In attempting to settle this dispute payments were arranged after receiving these invoices. My understanding is that these payments were going to XXXX. As it clearly appears, it looks as though this is going to XXXX  as a invoice/bill from the Exchange. However these payments are going directly to TSI, not XXXX. TSI is representing and appearing to be XXXX  and DoD by use of the respective logo and seals. TSI also continues to charge interest and additionally takes a payment fee for every payment made even though it is the sole beneficiary of these payments. I believe TSI has clearly misled and misrepresented itself.
Product: Debt collection

I pay SallieMae monthly for a personal loan through my banks bill pay on time. I do not wish to have the company automatically deducted from my account for personal reasons. My bank deducts and sends them the money. About 3 months ago SallieMae started calling me everyday until the payment was received and telling me they did not receive the payment. I called my bank and disclosed the payment was never received and the bank conferenced called SallieMae to get them to waive any outstanding late fees. My bank, XXXX XXXX XXXX  said this company does not have an electronic agreement with Salliemae. They send a check to SallieMae. The problem lies in the fact that they would call me several times a day for several days even after the conference call with the bank and annoy me regarding my payment. This has gone on for several months after telling them I spoke to someone about this. I have finally blocked as many of their numbers as I can. They have now resorted to sending emails. I have finally learned that they have several addresses to which one can get a check to them faster. I find this whole experience incredible since all of their transactions are paperless, and yet they do not have some type of electronic transfer for payment with a major bank. I almost believe this is deliberate so they can tack on more interest and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is XXXX at the other credit bureaus but experian is refusing to acknowledged this and put false scores on my experian report and refused to fix my score and update my score.
Product: Mortgage

We have been approved for a loan modification program through WestStar Mortgage. Our first trial payment is due on XX/XX/XXXX. 
We certified priority mailed a bank certified check to complete the payment on XX/XX/XXXX. However, it is still pending delivery. We are communicating with the post office on locating the check. How we, due to this unexpected delay, we have contacted WestStar through both email and phone and have not received a response on what we should do or if there is another way to make our trial payment. 
We have been reaching to West Star since Friday XX/XX/XXXX. We reached out again, Monday XX/XX/XXXX, and called and left messages several times on XX/XX/XXXX with no response from West Star.

We can resolve this through receiving an answer from WestStar on how we can electronically or over the phone complete our payment.