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

Dear Credit Reporting Agencies, I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX Account # XXXX to your agency, [ XXXX/TransUnion/XXXX ] XXXX and I believe that this entry is inaccurate. The payment in question is identified as late, but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 
Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX Account # XXXX regarding this account should not be included in my consumer credit report. 
Furthermore, 15 U.S. Code 1666b prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. This is an essential element for justifying any late payment reporting. 
Requested Documentation : In order for XXXX XXXX XXXX Account # XXXX to justify reporting this payment as late, they must provide proof of compliance with the following : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : I request documentation showing that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date.

2. Detailed Documentation : Under 15 U.S. Code 1637 ( b ), specific information must be included in the periodic statement. Please provide documentation that proves the statement was issued in compliance with these requirements and was delivered within the legal timeframe
Product: Credit reporting, credit repair services, or other personal consumer reports

ILLEGAL REPORTING. 

XXXX Report XXXX XXXX  XXXX Collection {$2300.00} XXXX Report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Collection {$2300.00} Transunion Report : XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Collection {$2300.00} I initially disputed the debt and requested validation of a debt becuase I know that the debt should not be on credit report, yet it keeps being reported. Despite sending them multiple letters, plus proof from the court that this is not a valid debt they are reporting, theyc ontinue to report it and refuse to pull this account off my credit report. 

I am now escalating this complaint higher because they are continuing to allow illegal reporting of a debt that the courts have determined is not valid. 

I am not responsible for the account/collection that is showing up on my credit report. I have never done business with this company. They lied and said I had. Then they sued me and didn't show up to court. I showed up. The judge ruled in my favor because of this. 

I have repeatedly asked them to delete this account immediately, as keeping this there violates my rights and allows this company to post and claim I owe them money when I do not. This is a problem because the credit bureaus are assisting them with violating the law by not removing this faulty debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA my rights have been violated by the following companies listing inquiries on my consumer report ( credit report ) : 15 U.S Code 1681 Section 602 A. states I have the right to privacy.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX XXXX  ( DBAMr Cooper ) is not responsive to basic questions. Their messaging system does not permit copying,, so the only way to document the correspondence is using a screen print. I requested copies of correspondence from them, but like other questions asked, they respond with a message that says they will contact me, but never do. I am waiting for an explanation as to why they would not process my payoff check. I ended up issuing a stop payment and paid the balance off in smaller amounts to bypass their certified check requirement. I am also waiting to see if they will process my tax payment or return my escrow balance. I also asked them to rescind the letter they send me informing me that they will be assessing an insurance premium. See attached documentation for dates.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX XXXX  account XXXX is inaccurate because It contains inaccuracies on my credit report. Based on the information obtained from other Credit bureaus the Date Opened, Last Payment made, Credit Limit amount, and Close Date are inconsistent throughout credit bureaus Transunion, XXXX, and XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX account XXXX is inaccurate because It's missing from the XXXX credit report. Based on the information obtained from other Credit bureaus the High Balance, Date of last activity, Date Opened, Close Date, and Credit Limit. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX XXXX XXXXXXXX account XXXX is inaccurate because It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit Beraous the High Balance, Date of last activity, Date Opened, Close Date, Last Payment Date, and Credit Limit. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX XXXX XXXXXXXX account XXXX is inaccurate because It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit Beraous the account number is invalid and missing, Also, High Balance, Date of last activity, Date Opened, Close Date, Last Payment Date, and Credit Limit. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX XXXX XXXXXXXX is inaccurate because This item is not being reported on XXXX but only being reported by Transunion and XXXX, Also, It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit bureaus the account number is invalid and missing, Also, High Balance, Last Verified, Date of last activity, Date Reported, Date Opened, Close Date, Last Payment Date, and Credit Limit. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
Enclosed is documentation supporting my request : Credit Report Summary showing the inconsistencies reported by XXXX, XXXX, and Transunion showing different wrong contradicting information from each other. 
Please investigate this matter and delete the disputed items as soon as possible. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Wells Fargo closed three persona saving account and XXXX business accounts on us, and refuse to give us any reason, plus they reported a " Close for Cause '' violation to XXXX XXXX which has caused us loses in opening account with other banks. I had these accounts from XXXX to XXXX, and the business account even longer. I have never over draft or done anything to deserve this treatment. Plus Wells Fargo never notified me, they just close all the accounts with no warning, no email, no message to their application on my phone, no mail, no phone call. They sent mail " ONLY '' after the accounts were closed. I called them several times and got the run around as to why they closed the accounts, was not able to get an explanation, what is worse now is a negative in the reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information and company has paid of accounts by insurance companies and I would like them removed immediately TransUnion XXXX 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 or other personal consumer reports

dear credit burau i just recently looked at my credit report. i saw hard inquiries that did not have permissible purpose can u reinvestigate the inquiries listed below. [ XXXX XXXX XXXX ] : date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXXXXXX XXXX XXXX XXXXXXXX ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXXXXXX XXXX XXXX XXXX  ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXXThis inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B
Product: Debt collection

I contacted national credit services regarding a very old defaulted student loan on XX/XX/2021, they told me they wont discuss over email, they asked to discuss over the phone, i wanted everything in writing ... so i then sent them an offer of settlement of {$620.00} on XX/XX/2021 via usps mail with tracking number. the company never responded. company seems to have reported a new mark on my credit report, the debt went into forbearance 20 years ago. any help to get the company to respond so i can get this cleared and done with would be appreciated. thanks
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am not filing this claim as a third person. I am a living woman whose privacy rights have been violated. The accounts listed below have been reporting to my personal reports and have had a negative effect on my life, extremely reducing the ability to obtain any credit in my name. 

ACCOUNTS : ( ACCOUNT NAME, ACCOUNT NUMBER, AMOUNT ) XXXX XXXX {$9600.00} XXXX XXXX XXXXXXXX XXXX {$38.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$540.00} XXXX  XXXX XXXX XXXX XXXX$110.00} XXXX XXXX XXXX XXXXXXXX {$98.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$660.00} XXXX XXXXXXXX XXXX {$16.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

OUTDATED PERSONAL INFORMATION : ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have asked the companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
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 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 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.
Product: Mortgage

My loan is an FHA loan - my principal was $ XXXX one year ago- with XXXX . XXXX sold off the loan to Shellpoint-XXXX XXXX XXXX XX/XX/XXXX. Since then, my life has been a living XXXX. My normal loan payment was XXXX, Shellpoint told me they were initially reducing my loan to {$840.00} per month, then they told me my escrow was short - then they added forced hazard insurance that was a few thousand dollars- but they did not tell me why my account was going to almost double in payments! They have been trying to report to all the credit bureaus that they had my loan since XX/XX/XXXX- no not they just got my loan. XXXX XXXX told me the best thing for me to do was to get a modification because she told me my escrow and taxes were going to go up to XXXX extra per month! I did the loan mod trial from XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX- they extended the loan mod because they told me my escrow was wrong and they needed proof that I had a master condo policy of insurance- I provided these documents to them SEVERAL TIMES- then they told me I needed to pay XXXX in XX/XX/XXXX to fix the 'escrow shortage ' I did so, when I checked my statements- it showed my escrow shortage went then up to a negative {$9000.00}!!!!!! They came back with a modification that was {$1600.00} a month and now they are trying to increase the principal of my loan to {$250.00}! I paid {$240.00} on this loan 10 years ago- shellpoint wants to remove all my equity and all my savings and increase my payments on a weekly basis!! I have recently been told to get a lawyer- but lawyers are costly too- SO I refused the horrible modification and accepted a repayment- the repayment was first only $ XXXX in the rears- I paid them XXXX XXXX- all my savings and my birthday money on XX/XX/XXXX- they used the money to double pay on the months XX/XX/XXXX XXXX XX/XX/XXXX and they said the rest is in undisclosed accounts- and they now are saying I am still XXXX XXXX in the rears!!!!!!!! I just gave them my last penny- and it did nothing. When I googled Shellpoint- they are doing this to thousands of other homeowners- and they are reporting me late to the credit bureaus -so I cant get another lender to take on the loan- but worst- what they report that I owe is false and not at all accurate!!!!!! SOS HELP ME please
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I had a Chapter XXXX Bankruptcy drop off my credit report. XXXX  and XXXX recognized this an my credit score rose 80+ points. Transunion dropped my credit score by 7 points. I have contacted them multiple time via phone with no explanation as to why as nothing changed in my circumstances. They have failed to recognize the removal of my Chapter XXXX Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX either has not yet reported that we has paid a settlement or the credit burrows have not yet received the information. The management company for them is XXXX XXXX XXXX, I have a cashiers check receipt through XXXX XXXX XXXXXXXX for {$1000.00}. The check # is XXXX the date is XX/XX/21 @ XXXX XXXX I dropped it off to the XXXX that afternoon about XXXX XXXX.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

XXXX XXXX. Account Number : XXXX XXXX. Account : XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 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.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared according to 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Western Funding Inc is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Western Funding Inc, the financial institution, and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Western Funding Inc whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Western Funding never informed me of my right to exercise my nondisclosure option. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of said reporting services.
Product: Credit reporting or other personal consumer reports

I disputed account information with this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as well as XX/XX/XXXX and XXXX XXXX citing incorrect information being reported. This disputed information is for XXXX XXXX XXXX  which should have been removed from my file effective XX/XX/XXXX. The vehicle was repossessed on XX/XX/XXXX and sold at auction on XXXX at this time I never received a Notice of Sale nor a Notice of Deficiency Balance. I asked Equifax to investigate and the action took more than 30 days and a proper investigation was not completed. My CFPB complaint was answered in the proper timeframe but at that time the creditor illegally re-aged my date of last activity AND did a hard pull that resulted in an inquiry. Equifax reported to the CFPB complaint that the credit line was not being reported but that is not true. It is still being reported on my report and I am going through the mortgage underwriting process and the continuous erronous errors on my report is costing me thousands in interest every month as well as continuing to oppress me as a disadvantaged person. As of XX/XX/XXXX, my Equifax report shows the date of last activity to be XX/XX/XXXX. Comments are listed as Repossession, however, on Equifax the payment history for the last 2 years ( XXXX XXXX XXXX ) is listed as OK/On-Time. XXXX XXXX XXXX failed to accurately report information across the credit bureaus and the bureaus failed to properly investigate the same. Further, following the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to Transunion via certified mail, disputing information that I did not recognize and or find to be accurate on my credit report. The letters I wrote to them were left with an agent of the company per USPS tracking. Afterwards, more than 60 days later, did not receive any indication from Transunion that the disputed information was under investigation, nor did I receive any investigation results. I gave them plenty of time to get back to me. I do not believe a proper investigation took place for the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I am concerned that my right to privacy is being violated. I have no idea how these companies obtained my personal and nonpublic information such as my social security number to be able to furnish the information that they are reporting. I have requested documents from the companies above, and to this day, I have never witnessed any physical documentation baring my signature, nor did I receive any clear and conspicuous disclosures that were allegedly signed by me consenting to opt into reporting, which I have requested. I just want to make sure everyone is following the law and that you, the supervising body of the Credit Reporting Agencies, are helping to ensure that my right to privacy is being respected, as well my right to fairness and accuracy. I am requesting that the accounts be deleted due to these matters. I do not consent to E-Oscar.