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

Dear TransUnion, I got a letter from you saying the accounts listed below were verified or modified. Can you send me a description of what you verified or modified. 

XXXX. XXXX XXXX XXXX XXXX XXXX : Account # XXXX : Please provide a description of the procedure of the investigation used to verify this account. 

XXXX. XXXX XXXX XXXX : Account # XXXX : Please Provide a description of the procedure of the investigation used to modify this account. 

XXXX. XXXX XXXX XXXX : Account # XXXX : Please Provide a description of the procedure of the investigation used to modify this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve an issue with some medical collection s on my report that 's not suppose to be on there. Two accounts from Receivable Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with XXXX, XXXX, and Equifax. ( Please see Image Attached on 2nd Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over Equifax, XXXX, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately 2. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent letters to Experian, XXXX and XXXX requesting that my personal information be updated. As of this date, I have not received any response.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) To Whom It May Concern, Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is a billing error. The items below should all be updated to paid as agreed on my consumer report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX - Why are you reporting this negative on your bureau when this is completely a positive account? 

XXXX reports this positive. Please prove this or correct the status of this account. 

XXXX XXXX XXXX XXXX  - This account is not reported correctly, This is incorrect and unfair. 

XXXX XXXX XXXX XXXX
Product: Debt collection

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

Company : ACIMA XXXX XXXX XXXX Account # : XXXX
Product: Student loan

Been paying my student loans ( XXXX now Navient ) for over 13 years on time, a while back I revived a notice from Navient stating they were restructuring/reconfiguring my loan because of the new Obama law allowing for the extension of the loan. Well I did n't major in accounting or mathematics but I understand that if you extend the terms of the loan it costs you more ( yes it may lower your payment upfront but adds several XXXX dollars in interest ). So they changed my payment structure and I told them that i did not want it changed and they said it was the " new law ''. I asked if I could renegotiate the plan and they told me that they do n't " negotiate '' the loan amount, I stated so you can change the terms without my permission but I can not negotiate my payment terms.
Product: Debt collection

Resurgent Acquisitions denies having any open account with me, yet debt collectors keep calling my spouse during his working hours trying to get hold of me. I tell him to give them my number but they are relentless. I called Resurgent and they deny any of this and gaslighted me over the phone as if I am imagining things. They then said call XXXX  at XXXX, whom XXXX referred me to XXXX XXXX XXXX at XXXX. I need this to stop or I am considering harassment small claims options. I was a homeless Veteran when the judge made his/her decision and I had a lawyer, but here we are. I paid the account and it is considered paid in full by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I do not agree with the reporting of this collection agency. They claim to have sent a verification letter but have not. Also, they claim the date of opening to be 2019 which is not accurate as I did not have XXXX  in 2019. I would like this claim to be investigated thoroughly and for this debt to be verified with the credit bureau as the credit bureaus has never verified this debt. I deny any type of ownership towards this as well as the statue of limitations that a debt can be reported.
Product: Payday loan, title loan, or personal loan

XXXX XXXX told me I owe XXXX dollars on interest fees, they said I have to pay the Interest fees, ,they change different now you have to pay it also with the payment I took out XXXX,, now Ive XXXX XXXX with no refinance are pay off taken my vehicle ( ( ( my son and the military and I took it out in 2021 there changing my contract so how!!!! please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried XXXX times with Equifax to get a reporting error fixed. I have submitted documentation to them with a letter from the bank as well as a payment history from the bank. 

Equifax credit report is showing XXXX plus days past due. XXXX XXXXXXXX does not show any payments XXXX days or more past due. 

Equifax says what is being uploaded to them is showing XXXX days plus past due. XXXX  XXXX says there system doesn't show anything like that and doesn't understand why Equifax keeps showing this as being XXXX plus days. 

Neither of the other XXXX credit bureaus show me being XXXX plus days past due and they receive the same information from XXXX XXXXXXXX XXXX Equifax. 

I have attached XXXX of the disputes sent to Equifax. Clearly looking at the documentation, Equifax is incorrect. Neither will call the other party to confirm and instead they are relying on computers updating which is incorrect. 

I am in a circle and keep getting the run around. I am being penalized for something that is not related to me at all.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

I called XXXX to discuss the debt, they cant pull-up debts information using my phone number, when gave them my number they asked me if Im someone else, I think this XXXX account is not belong to my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to block any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX Balance - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX {$750.00} ; XXXX & XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX {$2300.00} ; XXXX, XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Payday loan

they say I have a file for collection with my name on it and they want met to pay threats of serving, arrest, legal action but wont give me any information on how they are calling on behalf of
Product: Debt collection

I get calls almost daily from Source RM, a debt collection company. I've tried to call them back to resolve it but they ask me for an account number. When I explain there's a mix-up and it's not my debt, I ask to speak to someone in management. I'm then placed on hold for a long time. I don't have any debt which is under a collections agency.
Product: Debt collection

This company has sent me letters has tried to contact me numerous amount of times Ive told them that Im not paying because of the fact that I did not even activate the services that they were providing to me because my Devices were not paid off. They still proceeded to put it on my credit when they should have not
Product: Mortgage

In early XX/XX/XXXX I received the wrong XXXX form that has incorrect XX/XX/XXXX interest payments and incorrect XX/XX/XXXX tax payments. I promptly contacted Loancare to inform them that information was wrong and my personal information may have possibly be sent to the wrong person. Since my loan information and personal identifiable info was possibly sent to wrong person, I was requesting for them to reisue my XXXX so someone else doesnt file my taxes. I contacted Loancare XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they continue to tell me that it will be updated online however it has not been. Please help me in resolving this issue. When I call them I usually have to request a return phone call because of their phone lines being backed up. They will also not allow me to speak to anyone in leadership or their tax center that actually makes the changes. Im concerned that my identity has been stolen from Loancare mistakes and it will create serious challenges for me when I file my taxes. If I can simply get the correct XXXX, I can file immediately. Thanks for your assistance with this personal matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding CREDIT COLLECTION which you claim chargeoff {$310.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 
Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the sequence of events that caused the late payment on my account. 

My credit reports indicate Movement is missing a payment for XXXX : I have attached the front and back of the check payment that cleared my account on XX/XX/XXXX. 
The payment they lost has adversely impacted my credit and caused my credit score to drop by over a XXXX points. 

It is clear from reading Movements online reviews that I am not the only client who has been victimized by sloppy processing. 

XX/XX/XXXX Met with title attorney to close on loan XX/XX/XXXX - Contacted my realtor because I had not received payment coupons from Movement XX/XX/XXXX - Movement reached out to tell me they forgot to have me sign closing paperwork, which triggers the payment process. The closing documents had a XXXX expiration date. 
Third week in XXXX Because of Movement 's XXXX email and my concerns about Movement 's business practices throughout the loan process, I met with an attorney to ensure all the loan documents were in order. 
XX/XX/XXXX Mailed initial payment of {$2100.00} and signed contract, via XXXX, as per the attached documentation. Note : The documents were mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, per the mailing address in my Promissory Note. 
XX/XX/XXXX - Made XXXX payment on time, as per the attached canceled check from my bank
Product: Credit card or prepaid card

I've tried to remove myself from Bank of America and XXXX credit card solicitations countless times and nothing seems to work! I'm really fed up with dealing with them!!!
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing this FTC Identity Theft Affidavit to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number -Account # XXXX ( private ) Only on my ( Experian ), ( XXXX ) consumer report. 
An auto loan account opened at ( XXXX  XXXX, auto finance ) on XXXX, XXXX, XXXX under the account number XXXX ( private ) Only on my ( XXXX ) ( Experian ) consumer report Another XXXX  XXXXXXXX XXXX XXXX  on XXXX, XXXX XXXX under the account number XXXX only reporting on my XXXX consumer report. 
Lastly a collection account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX ( private ). 

Auto loan account opened at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX under the account number XXXX Only on Experian, XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Payday loan, title loan, or personal loan

Prosper stopped taking autopay and did not notify me causing payments to be late. They made no attempts to call, or mail me
Product: Credit reporting, credit repair services, or other personal consumer reports

this inquiry is due to idenity theif. 

this was not me. please remove from my report. 
i have already attemped to ask you all via, XXXX XXXX  & XXXX XXXX XXXX. 
Please Remove
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that is was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments i.ve attached a copy of my report to this complaint on the following dates XX/XX/year>2024 XXXX XXXX i/m now requesting you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action
Product: Checking or savings account

XX/XX/XXXX Checking Deposit-XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) {$2600.00} {$6100.00} XXXX XXXX ACH Returns  : XXXX XXXX XXXX ( XXXX ) XXXX XXXX| Balance= {$3500.00} XXXX Available Balance= {$3500.00}. Available Balance with ODP= {$3500.00}. -- - -- - XX/XX/XXXX XXXX  XXXX XXXX ( PAYMENT XXXX {$240.00} {$3500.00} As you can see my balance should have been {$6100.00} and more than enough to cover the {$4300.00} that XXXX tried to EFT with an auto pay. However the credit union ( The Golden 1 ) decided to try and pay XXXX before adding the ACH from my payroll check. This has caused a chain reaction that I'm trying to undo now. As XXXX charged me interest and a late fee. I also went in and made a manual payment on the XXXX not knowing they would try again, so now XXXX has taken the XXXX from my account TWICE and this has caused my mortgage payment to bounce .... I find it abhorrent that financial institutions can structure same day transactions in a way to cause harm to me the consumer! The credit union has informed me that I have to take it up with XXXX instead of fixing their wrong. Thanks for your help.