23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

There is a home in XXXX. that we have not been unable to sell. For the last nine months I have attempt to negotiate with CitiMortgage to close the account on this home by deed-n-lieu. We now live in XXXX. Every 90 days I have had to submit a packet of documents to keep the request current. I have made sure the monthly payments are made each month and on time. This month note to be paid is {$1.00}, XXXX for XXXX. The original amount of the note was $ XXXX/monthly. The additonal charges are so great that the principal amount has not decreased. In fact the XXXX payment only apply {$200.00} to the principal balance. XXXX note included a charge of an additional {$2000.00} dollars. The monthly note totaled {$3500.00}. I made a payment of {$2000.00} dollars on XXXX/XXXX/2015, then the additional payment ( XXXX ) {$1500.00}. There is no reference to the payment of {$2000.00}. On numerous occasions I have written for a review of the account to specifiy where the {$2000.00} was applied. Instead I have been told there is an overdue amount of {$360.00}. A history of payment application was sent after several request, It does not refer to the {$2000.00} dollars. Since the Deed-N-Lieu request there are other charges that eats up the payment i.e. : reinstmnt expence, property preservation, foreclosure costs ( {$920.00} ), appraisal/XXXX ( XXXX ), forclsr Atty fee ( {$270.00} ). Theses charges are listed every month. I have not missed a payment so why are we being charged foreclosure fees? How many time do the property have to be appraised? There should be only one Attorney assigned to this account, how many times must the attorney be paid? 
I ask for deed-n-lieu because of the hardship that I am in. My husband a XXXX Veteran is XXXX. If he dies then a lost of his income would be detrimental to me and the XXXX children XXXX. This has been stated in a letter of hardship to CitiMortgage. A contract was sent to us from CitiMortgage in XXXX to finalized the deed-N-lieu request. It is now almost the end of XXXX and the contract has not been processed. If the process takes more than 90 days then I must submit additional documentation that our income and status has not change. Our income will not change unless my husband expires. 
CitiMortgage been going in a vicious circle and failed to finalize the process in a timely manner.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a 30-day late payment.

Misapplication of Payment : Payments for XXXX, XXXX and XX/XX/XXXX were sent and processed on time, but were not properly credited to my account due to an internal error by XXXX, leading to the incorrect reporting of 60-day and 90-day late payments.

I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that all payments were made on time and within the contractual grace period.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

On XX/XX/XXXX, LoanCare Servicing Center Posted to XXXX  Adverse and Derogatory Information regarding my Mortgage Account XXXX. 

Specifically, it is noted that the account experienced a Maximum Delinquency of 60 Days or greater. 

This is false and incorrect reporting! 

Note : The inception date of this Mortgage Account was on or about XX/XX/XXXX and closed/sold/transferred on XX/XX/XXXX. 

Accordingly, I only had five ( 5 ) Mortgage Payments due to LoanCare Servicing Center over that period of time noted. ALL Mortgage Payments were made and posted On TIME! 

Please reference attached Mortgage Statements which indicate clearly ALL Payments were made and posted to my account as stated herein.
Product: Checking or savings account

I had an account with Chime bank for the last XXXX years without a problem, last year I signed up for Chime 's secured credit card to help raise my credit score. I use my checking account to transfer money from my XXXX and use the credit card for bill pay. I haven't had any problems doing so over the last year. On XX/XX/XXXX I tried to log into my account and received a very small notification on the screen saying my account was closed and if I thought this was in error to contact XXXX. I thought this is surely a mistake since I wasn't notified in advance of my account closure and thought I'll try to log in tomorrow and see what happens. I tried XXXXhree days in a row before I sent an email to Chime. On XX/XX/XXXX I received an email stating my accounts had been closed for the following reasons : " Account does not comply with internal policies and. or the member agreement. '' no further explanation for how/why my account was not in compliance. In the same closure letter I was informed that if I had money in my account a check would be mailed to me within the next 30 days ( that's is insanity to have to wait that long for money that belongs to me!!! ) I was also informed I am not eligible for a refund of MY funds without any further explanation. On XX/XX/XXXX I sent an email and received a response that basically stated due to security reasons I have to email them from the email Chime has on file for me so they can assist me with my problem. I went ahead and sent an email from the email address they had on file the same day ( XX/XX/XXXX ) and still have not heard anything in response. I sent another email today ( XX/XX/XXXX ). I tried to call the customer services number but since my phone number is registered to my account I just get an automated response saying my account was closed and I need to email them for assistance.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. These late payment that is reporting is a result on a systematic error on their end processing my payment. 

These was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

As a consumer and natural person am a victim of identity theft. XXXX, Equifax, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Equifax, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, Equifax, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022. 
I never authorized hard inquiry with this financial institution.
Product: Debt collection

i have recently pulled my credit report and notice that there is a collection listing from your agency. i have never been notified of this collection action or that owed the debt. this letter is to inform you that i have the rights to request a validation of this debt and your ability to collect this money from me. i ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together
Product: Debt collection

I have addressed this with the credit bureaus ... both XXXX  and XXXX  it gets deleted because they cant verify the debt but they reinsert it with different dates and different amounts owed a few months later. I do not owe them anything! These debts do not belong to me! Wakefield & Associates are Not Licensed in the state of Tennessee so they are in violation of the Tennessee Fair Debt Collection Ac. The last date they have put on my credit reports was XX/XX/2018 for the amount of XXXX both on XXXX and XXXX. It states XXXX  XXXX XXXX   XXXX. Could you please help me stop them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Credit Acct # XXXX Final payment for truck was paid in XX/XX/2020 thru Ford Motor Cr. Understand it was late. However, various attempts to dispute through credit agencies and Ford has not resolved the actual issue. Constant decline for a student loan for son at XXXX XXXX as the credit bureau reports the Status being " 31-60 days '' late. This account is paid in full and closed. Status should state that it is " paid as agreed '' like all other accounts. We do not owe additional money. Title was mailed to us from Ford. Balance is {$0.00}. Ford continues to decline the issue, not understanding what the real issue is. Our current status is incorrect. Ford agrees it is paid in full, but this is not resolving the issue on the credit reports as it is being seen as if it is still late. XXXX  and XXXX  both have this on our credit reports. Maybe it is insignificant to Ford because it is a closed acct, but the status still shows us as Late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for an auto loan. I authorized the dealership to pull my credit, but had 10 other inquiries from banks they sent for approval. 
I read that any inquiries from purchasing an auto loan would be counted as one,  instead, my reports are now showing 11 inquiries, one from each bank, if they  were pulled within 14 days. 
This is the second time a dealership has shopped for approvals and rates for me that this has happened. 
There should be one report that can be shared with different bank/finance companies that the dealership shares the one report with that shows all three bureaus.
Product: Debt collection

I did not receive a notice of debt. I never paid this company anything. I saw the amount on my credit report I contacted the company and was told my balance was XXXX. I never gave them a dime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraud affidavit to Santander after discovering that my credit was used to purchase a vehicle. This was submitted to them via certified mail on XX/XX/18. Over the next couple of weeks, I continued to contact them via the phone to get an update on what the status of this fraud claim was. I was only able to get a hold of someone once during multiple attempts at contact. 

During this one contact I was informed a police report would possibly be needed, but I will get confirmation of this within a couple of days. After more days of waiting I submitted a police report via certified mail on XX/XX/18. I continued to contact Santander at least once every two business days, leaving a total of five voice mails on their fraud department lines, where I would always be redirected upon calling and entering my personal information. 

Later, on XX/XX/18, I received notice from Santander that my claim will be closed as they have determined to not have enough evidence needed to process my claim. This has led me here, to file a formal complaint, as I have done above and beyond the legal requirements to have this fraudulent activity removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 3 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion Credit Report and requested them to remove these collection. that is inaccurate information on my credit rreport listed per FCRA Section 609. and they still have not removed them I have requested these collections to be removed multiple time.. creditors do not list contact number or address. 
Collections listed : XXXX for amount of {$160.00} XXXX amount of {$940.00} XXXX XXXX XXXX in the amount off {$770.00}
Product: Vehicle loan or lease

On XX/XX/XXXX I submitted a complaint to complaint.consumerfinance.gov with complaint # XXXX stating that my Leasing company Hyundai Motor finance is XXXX ) Harassing by incorrect credit reporting 2 ) Holding up my Tax refund from XXXX, XXXX county Post complaint, The leasing company and credit union corrected the credit reporting, however on the subject of Tax abatement and refund : - On XX/XX/XXXX the leasing company stated that they had applied for an abatement with XXXX County on XX/XX/XXXX, but has yet to receive a response. Should an abatement be processed, any refunded payment would be sent. 

Till today on XX/XX/XXXX, I have not received any update from the leasing company for my tax credit. 

Upon inquiry, XXXX county tax collector office stated that the letter, they received from the leasing company, requesting the adjustment is dated XX/XX/XXXX so they are not sure why they would claim it was sent in on XX/XX/XXXX. 
They also stated that the refund letter that is required to be signed and remitted was mailed out to the leasing company on XX/XX/XXXX. XXXX Tax collector office is yet to receive it back from Hyundai Motor finance, which is causing the hold up. 

In their earlier response to consumerfinance on XX/XX/XXXX, the leasing company : - 1 ) Had lied that they had filed for abatement on XX/XX/XXXX. 
2 ) Had lied that they did not receive any response from XXXX county tax collector office. 

My previous complaint to consumerfinance was closed without any action/help, and very conveniently, the leasing company, willfully, did not cooperate with tax abatement, in retaliation to my complaint. 

If consumerfinance would take no action, why do such institutions exist?
Product: Debt collection

In XX/XX/XXXX a delinquint XXXX account hit my credit report. I have never been a customer of XXXX. I contacted XXXX and they were very unhelpful, hung up on me multiple times. I froze my credit, filed the fraud report with all of the major credit bureaus, filed a fraud report with XXXX  ( no response ), and filed a police report. After I explained all of this to the debt collection agency ( XXXX ) they agreed that I was a victim of identity theft and said they would cancel the debt. The major credit bureaus agreed and removed the debt from my credit report. 

Fast forward to XX/XX/XXXX and the same delinquent account shows up on my credit report, this time the collections agency is XXXX XXXX. XXXX had tried to collect the debt of an identify theft victim! A quick call to XXXX XXXX and the major credit bureaus and it was again erased from my credit report. 

Today, XX/XX/XXXX. I receive a letter now from IC Systems saying they will put the SAME XXXX   DELINQUENT ACCOUNT on my credit report if I don't prove to them it's not my debt within 30 days. After filling out the complaint online it just sends me to XXXX  antiquated fraud form that falls on deaf ears. This is clearly harassment by a major corporation of an identity theft victim!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of fraud. I have contacted XXXX, XXXX, and Transunion numerous times, and I have disputed this fraud items with this company. In additionally, I have sent a copy of my police report along with my theft report to XXXX, TransUnion, and XXXX. XXXX need to remove fraud accounts. The 6 frauds accounts are : - XXXXXXXX XXXX XXXXXXXX {$280.00}. Account XXXX XXXX XXXX XXXX : {$5500.00} Account XXXX which is a fraud business account. I'm not a business. 
XXXX XXXX XXXX XXXX {$21000.00} Account XXXX -XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} Account Number : XXXX. 
XXXX XXXX Balance {$29000.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX {$220.00} Account Number : XXXX -XXXX XXXX XXXX : Balance {$1500.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT ON XXXX ONLY. 
XXXX XXXX XXXX : XXXX {$23000.00} Account XXXX : XXXX. I been a victim of fraud since XXXX. I have been disputing fraud accounts. I have attached my theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received background check information back from XXXX and noticed some information pertaining a felony misdemeanor. This information is completely inaccurate and I would like for it to be investigated and removed. Per search ID : XXXX State : OH/XXXX  it list record found for felony/misdemeanor but provides no information pertaining to a case. I have never had any criminal records, felonys or misdemeanors. My SSN has been flagged due to all federal government employees personal information and SSN compromised. I would like to know how to move forward to dispute this. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

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 an account without my written instructions