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

Requested several attempts to resolve late payment status on a secured credit card closed in XXXX. for the past 6 months thru XXXX XXXX Complaints Management Office.. 
Finally received notice and written communication XX/XX/XXXX via email. instead of phone messages. 
I had requested a secured card to be closed in XXXX of XXXX and to use the proceeds from the savings account to pay off the card. and send me any balance that I may be owed me, or if I owe them to send me a billing of what I owed them. as I was closing down a business due to financial demise in XXXX. Instead XXXX XXXX kept the account open and generated additional late fees and higher interest rates until it came to the point of having to charge it off, However they couldn't charge it off as there was a secured savings account covering the card, The account was paid in full by me in XXXX of XXXX and it is not the late charges or higher interest I am concerned about it is the reporting. They reported it as 30 day 60 day 90 day 60 day 90 day late. The payment from the secured account would have brought it current so having multiple 60 and 90 day late with this account at XXXX XXXX wasnt accurtate reporting. However they removed the initial 30 and 60 on Transunion  and XXXX  leaving XXXX late on transunion beginning XXXX XX/XX/XXXX and on XXXX  they changed it from XXXX to XXXX 120 day late both starting XX/XX/XXXX. When all 3 of these late payments should have been removed with the initial 2 late payments, as the seven year time frame has arrived for removal which XXXX has done properly and no longer reports any history of late pays.. and at the same time XXXX XXXX increased the XXXX  late payments from from 90 ,60.90 days instead now reporting them as 120.90.120 late days. 
XXXX XXXX need to eliminate the remaining late payments that were in succession with the original 30 and 60 day late payment that they removed as the time of 7 years for the initial late payment succession began and all reference and history of late payments should now be removed from my Transunion and XXXX  credit report. .Currently XXXX  is the only agency properly reporting no late payments and I would like XXXX XXXX to correct the issue with Transunion and Equifax XXXX
Product: Mortgage

I wish to submit a written complaint against Midland Mortgage for reporting errors of late payments for the months of XXXX XXXX, XXXX XXXX and XXXX XXXX. These errors are keeping me from getting a loan on a house in Florida and the loan for the home on XXXX, Texas will close and the loan paid off in full on XXXX/XXXX/XXXX. I have submitted written requests and verbally addressed the accurate reporting of loan payment activity to Midland Mortgage to correct payment activity. I have also followed up with the President of the company and have not received any corrections reported to the 3 lead credit bureau agencies. Midland Mortgage XXXX XXXX XXXX XXXX, OK XXXX XXXX It is my understanding under the fair debt collection act enforced by the FTC, that I have the right to have payments that I have made applied to the particular debt that I indicate. As a debt collector Midland Mortgage is prohibited from unfair practices, under the Fair Credit Reporting Act, enforced by the FTC. I am entitled to have erroneous information on my credit report corrected. I have filed a complaint with the Department of Veterans Affairs and the XXXX  Department of Housing and Community Affairs for assistance. I did my due diligence and submitted requests in writing to have payments applied to the months that I specified. As a XXXX Veteran, I was discriminated against and denied my right, by a Midland Mortgage representative, which he declined my request to revise accurate credit reporting. The loan information has been requested to reflect as follows, account number is XXXX. XXXX XXXX payment onXX/XX/XXXX XXXX XXXX payment on XX/XX/XXXX XXXX XXXX payment on XX/XX/XXXXXXXX XXXX XXXX payment on XX/XX/XXXX XXXX XXXX payment onXX/XX/XXXX Your prompt assistance to address this filed complaint and credit reporting correction is requested.
Product: Credit reporting or other personal consumer reports

I've reached out to XXXX and Transunion about reporting inaccurate information and sharing my information to outside sources. They are in violation of the FCRA which says If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. In the case of a willful failure to comply with FCRA requirements, the company can be liable for actual or statutory damages and punitive damages. Also 15 U.S. Code 1681- Congressional findings and statement of purpose states. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I sent XXXX XXXX XXXX XXXX a letter regarding account number XXXX asking to verify and validate debt. I was notified that this account was verified with no proof of original contracts with my signature. no fair and thorough investigation was conducted. 
this account has also been on my account for 7 years from my understanding its suppose to drop off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says XXXX, Experian, and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Experian, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Experian, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has incorrect inquiries on my report. ( XXXX ) XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX direct credit The Credit bereaus never did a proper " investigation " according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The Credit bereaus stated my account was properly investigation but how is that possible if the open is inaccurate, the date last active is inaccurate and the last reported is inaccurate. This is ground for removal.

They also violated the law because according to 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.

I did not give anyone written instructions
Product: Debt collection

In response to XXXX correspondence in complaint # XXXX, Im requesting all the information XXXX XXXX XXXX is using as verification of the alleged debt in their previous correspondence. XXXX XXXX XXXX  is stating they have proof of the transaction details but failed to send me the original documentation that they are using for supporting evidence. As a consumer I have the right to dispute and validate the alleged debt. XXXX XXXX XXXX is negatively effecting my livelihood by reporting misleading false information on my consumer report. Theres no permissible purpose to furnish a report on me but XXXX is continuing to report the alleged debt which isnt validated. I responded to XXXX XXXX XXXX claim as of XXXX via certified mail ( see attached file ). Along with my response I attached an updated cease & desist, and sent it to the address XXXX XXXX XXXX insisted I send to ( XXXX XXXX XXXX XXXX XXXX XXXX SD, XXXX ). XXXX implied that in order to send me their supporting evidence, they need proper identification of me for privacy reasons. I responded to them stating I will be submitting my proof of identity along with my statement of identity through the CFPB ( see attached ). I XXXX XXXX XXXX the consumer, consents to receiving all correspondence Ive requested in my response to XXXX  ( see attached ), through postal mail and/or via CFPB. XXXX has 7 days upon receipt to send correspondence.
Product: Bank account or service

My social security check is now sent to Direct Express they use a bank called-Comerica Bank, On XXXX/XXXX/17 my card was cloned according to the bank in Florida the amount of XXXX dollars was taken from a bank in Florida.DirectBank told me that they would do an investigation and found that the card was cloned and used in Florida. They did that and found that it was cloned, they told me they would credit my money back to my account.as of this day over thirty days later no money was credited to my account, I tried several times calling and was told several time it should have been there they would put a tracker on it!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not being reported on Equifax or experian reports. it was opened XX/XX/XXXX, XXXX CARD is also not being reported on equifax. account was opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We believe our daughter 's identity has been stolen. She is only XXXX XXXX XXXX but we received a check from the Auditor of State of Indiana for the payment due to excess budget reserves totaling {$320.00}. This tells us someone filed taxes under her name but since she is only XXXX  we can not use any of the credit monitoring services or put a freeze on her credit accounts due to her age. We are taking the appropriate steps to send all three credit bureaus the appropriate information but one step on XXXX told us to also file a complaint with the CFPB. Please let us know if there is anything you can to also help us in this matter.
Product: Credit card

I recently learned that ( XXXX ) credit card accounts with American Express were recently opened in someone else 's name with my social security number and Date of Birth this past XXXX of 2015. I also know that this was originated with a XXXX address ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX to which I have never resided. I have now lived XXXX for the past XXXX years. I have since filed a complaint now with the CFPB with the credit reporting companies and felt it is necessary to also single out the individual creditor.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information : Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX XXXX XXXX As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX Employers : XXXX XXXX Employers : Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX * XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$4700.00} Late Payment : XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$2200.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial continues with the systemic institutional XXXXXXXX XXXX, and XXXX inequality treatment by improperly ordering a unauthorized hard credit inquiry ( twice ) in one day of my credit report WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

NORTHSTAR LOCATION SERVICES LLC has obtain a credit report from XXXX without my permission and they have now infringed on my privacy.
Product: Credit reporting or other personal consumer reports

I have found inaccurate information on my credit report. I disputed these multiple times.
Product: Credit card or prepaid card

Suntrust Credit Card Purchased some coffee & breakfast at XXXX on XX/XX/19. The breakfast supposed to include eggs with steak & bacon. There was a very small amount of steak ( no a small portion, it was like 2 pieces of " square piece of meat ) and no bacon. 
It appeared i received some other persons order. 
I contacted XXXX by email the same day, and other then the standard we have received your email reply, i have not had any further contact with anyone from XXXX. 

On XX/XX/19 i tried to dispute part of my order with my credit card company. I couldn't find an online option to dispute the charge. 
I called the credit card company, and was told i have to work it out with the merchant. 

I directly ask the rep, if all a merchant has to do i to ignore my emails or calls, and they'll get away with charging me for something i did not get, and the reps reply was " Yes ''. 
Where is the protection for customers?
Product: Mortgage

Per my divorce agreement, my former spouse was responsible for all debt including the mortgage. I gave him the quickclaim deed like I was required to do. Instead of putting the mortage in his name as required by our paperwork, he filed for bankruptcy. The mortgage company included me in on the bankruptcy and negatively reported me to the credit bureaus. I feel this is unfair. I did not file for bankruptcy, sign as bankruptcy paperwork and when I called the mortage company to explain the situation, I was told there was nothing I could do about it. I spoke with a lawyer and he informed me that Federal Law trumps Family Law, so I could only hope the bank did n't come after me for his debt even though he was responsible for paying that debt. The result was the Mortage Company discharge the loan and negatively reported me. My credit score dipped down to XXXX after this happened. I have worked very hard to bring my score up. I feel since I can prove through my divorce papers that my ex was responsible for payment of the loan, the incorrect information should be retracted from my credit report. Why is there no protection for the spouse who does what is lawfully required of her, but the other spouse can max out every card, buy a new truck and then just quit paying his home loan and get away with it? I pay the price of not being able to buy my own house, a car, and/or secure a higher paying job because my low credit score dings on a background check for employment?
Product: Debt collection

I WANT TRANSUNION TO STOP REPORTING ; XXXX XXXX XXXX XXXX XXXX XXXX AND ANY OTHER DEBT ON MY CREDIT REPORT WITHOUT A DEBT VALIDATION CLAIM.THAT IS, 1.DETAILED LIST OF PAYMENT HISTORY ON THE ACCOUNT 2.ORIGINAL SIGNATURE THAT I AGREED TO ON CONTRACT FOR THESE CREDITORS 3.HAS THERE BEEN ANY INSURANCE CLAIM FILED ON THIS DEBT 4.CHAIN OF TITLE THAT YOU HAVE TO COLLECT ON POSTED DEBTS FAILURE TO DO SO UNDER 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT SAID CREDITORS MUST PROVIDE THIS INFORMATION IN WRITING WITHIN 5 DAYS, OR THESE NEGATIVE ITEMS MUST BE DELETED FROM MY REPORT.
Product: Credit reporting

Balance of loan payment and credit use is incorrect and inaccurately reported. Auto loan balance listed as mortgage from XXXX XXXX XXXX is now {$1500.00} as at XX/XX/2016 but to date all XXXX credit reporting institutions report it to be {$13000.00}. I disputed that by writing to them all enclosing proof of payments as furnished to me by XXXX XXXX XXXX. Nothing has been done and thus I have totally failed to get a financier for my leased car hence returned the car. Likewise, I can not get any loan whatsoever the amount due to that misreported outstanding balance. Humbly seek assistance to have record corrected as per attached documents provided by XXXX. Thank you so much for your kind cooperation.
Product: Credit reporting or other personal consumer reports

XXXX Motor credit account number XXXX with a balance of {$18000.00} as of XX/XX/XXXX was opened fraudulently in XX/XX/XXXX. 

XXXX  XXXX Bank account number XXXX with a balance of {$610.00} as of XX/XX/XXXX was opened fraudulently XXXX.
Product: Credit card or prepaid card

A subject in California has assumed my ID. He has gotten into my XXXX  XXXX, American Express, XXXX, XXXX XXXX  credit card accounts. As well as my XXXX XXXX  checking account. He got into my XXXX Credit bureau. Unlocked my freeze. Applied for accounts then re-locked it. 
He has continued to access my online accounts. Cancel cards and have them re-issued to his address in California. 
Our computers have been scrubbed. A virus monitoring service has been hired. Anti virus programs have been installed. All user ID and passwords have been changed. 
The subject still manages to bypass all bank security measures we have in place and access the accounts due to the info gleaned from my credit report. I also have a ID theft Monitoring Service.

I have filed a report with my local Sheriff 's Department. They have not made any headway on this subject. 
I do have the Name, address, phone number, e-mail address the subject is using. 
I am out of ideas where to turn with this subject.
Product: Credit card or prepaid card

OnXXXX I ordered XXXX gifts snd called kohls 6-8 times to let them know label stock in system creation date XX/XX/20 XXXX. Order # XXXX snd out of all people I talked to supervisors and agents etc. they told me item will be here XX/XX/20 tomorrow is XX/XX/20 label still stuck in system. 
Moving forward on XX/XX/20 I ordered # XXXX and its going to be here on Monday XX/XX/20. Where is my first order? Im so frustrated
Product: Debt collection

I am disputing account number XXXXXXXX with XXXX XXXX XXXX for an amount of {$290.00} because I have sent several dispute letters to this company and they remove it from one credit bureau then list it with another. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. This item needs to be deleted immediately from ALL 3 Credit Bureaus and never reentered on my credit reports again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Dispute CFPB Complaint ID : XXXX The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesnt happen, the bureau is then in violation of the FCRA. It's been past 30 days and still no response from " Equifax ''. My complaint was submitted on XX/XX/. Please remove the disputed item from my credit file. " Equifax '' is in violation of the FCRA!