23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They have been spoofing phone numbers for the longest time, calling at all hours. Since Friday, they have spoofed XXXX different numbers and called 17 times without being forthcoming about what they want. I want them to stop harassing me.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my 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/updated.

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.

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!
Product: Credit reporting or other personal consumer reports

This credit bureau clearly did not open a proper investigation on concerns that I have made them aware of dealing with what I have found on my credit report and I am looking for your help to resolve this issue. On XXXX I sent in a dispute in regards to accounts with inaccurate information. Ive sent multiple before this last dispute. According to U.S Code 15 U.S.C 1681i ( 5 ) ( A ) ( i ) Treatment of inaccurate or unverifiable information In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. I am attaching my dispute letter and would like a resolution for the accounts I am referring to. I do not believe the credit bureau is abiding by the FCRA and it is shown based off of my investigation request. The FCRA defines a consumer 's file as all of the information on that consumer that is recorded and retained by a consumer reporting agency, regardless of how the information is stored. I am requesting the documentation provided by the credit furnishers that verified the account information on my credit report. I am requesting the instruments used to determine that the accounts are reporting accurate information. If nothing can be supplied. I believe I was not given a proper investigation according to FCRA standards and my request for the accounts indicated in my letter will be adhered to. 

XXXX  : Account number : XXXX, This is getting ridiculous. I have no record of this account ever belonging to me. You need to remove this inaccurate information ASAP from my credit report. 

XXXX XXXX : Account number : XXXX, Despite my previous dispute letters to your department, the most recent credit report I reviewed still indicates that this account is being reported inaccurately and incorrectly. Multiple " violation '' claims have been posted on this account. I don't think the account 's current status is right. I strongly encourage your department to reinvestigate this matter and ensure that accurate, equitable, and full information is provided. Immediately remove this erroneous account from my credit report! 

XXXX XXXX XX/XX/year> : I don't recall authorizing this inquiry. It could be fraudulent.As a consumer by law this account must be deleted immediately. 

XXXX  : Account number : XXXX, I was never late in paying this account. I need you to update this account. 

XXXX  : Account number : XXXX, How can you say this account was updated when it still looks exactly the same? The same inaccurate information is still being reported by your company and nothing has been updated. Update these inaccurate late payments immediately from my report. 

XXXX XXXX : Account number : XXXX, No late payment shall be reported in a paid account. Update this account on my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN UP SEVERAL ACCOUNTS IN MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern, This letter is in reference to these closed accounts still reporting activity after the close date on my credit report. This is illegal, inaccurate, and really damaging my credit profile. There should be no activity reported after the closing date period. Remove the following account for reporting inaccurately : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, and XXXX XXXX  Account # 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
Product: Money transfer, virtual currency, or money service

I have had a ton of fraud on my paypal account and after getting everything fixed, accounts closed and reset with no help from paypal becuase they do not offer support my account is now suspended ( after fixing myself ). In order to resolve they are asking to resent my password which I have done countless times, verify my identity which I have done, upload a copy of a bill, and then provide a copy of my drivers license. 

For a company that has zero support and no one to talk to, asking me to upload a copy of my ID is a joke. I refuse to send them a copy of my ID when they have no accountability for anything they do. 

I have asked for alternatives to get the account unlocked so I can get my money out of there and close the account but to no avail. There is not a lot of money in there but they might as well be asking their customer to just provide their SSN, DL, date of birth, mothers maiden name, and blood type to sell to spammers. 

I'm sure there is nothing that can be done and I will lose the little bit of money that is in there but I would rather not have more fraud in my life from a company that I know has a horrible reputation. If you can help that would be great or if they want to see my ID I would be more than happy to show it but I am not uploading it for them to keep forever. PayPal really should be shut down and prohibited from operating in the U.S.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. 

XXXX XXXX XXXX XXXX Account number # XXXX Address : XXXX XXXX XXXX, XXXX, SC XXXX amount of {$360.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.
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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX 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: Debt collection

I was taken to a hospital for a severe XXXX XXXX  and put into a XXXX XXXX for recovery. My insurance denied to cover me for another week and I wasnt told until the of that it happened. I had no way to leave and was three and half hours from home. No car no clothes and not able to walk. I tried to pay the XXXX XXXX  a payment but they wont take what I can afford. Now I received this.
Product: Credit reporting or other personal consumer reports

I have been disputing this account due to the inaccurate information being reported. 
I requested numerus time proof account was ever 30 days late. The company sent me statements TWICE, from months NOT BEING DISPUTED. proof enclosed. If statements cant be provided the account either NEEDS TO BE REMOVED from XXXX and TransUnion or be updated to PAID/NEVER late. they keep sending me statements for months is not dispute. Which is worthless in this matter. See attached response from company. Months in dispute are XX/XX/year> and XXXX XXXX never late.
Product: Debt collection

PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A XXXX XXXX XXXX XXXX XXXX XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. Transunion is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual XXXX XXXX XXXX XXXX XXXX XXXX Transunion and all companies are negligent compliance by reporting this information as accurate when in fact, they are not Trans Union has reported over several times as accurate when clearly, they are not. XXXX XXXX XXXXXXXX XXXX XXXX and Transunion are violating My consumer rights and FCRA laws XXXX XXXX XXXX XXXX capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as XXXX XXXX XXXX XXXX violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to Transunion. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : XXXX XXXX XXXX XXXX XXXX Case : XXXX XXXX ( XXXX  ). Any XXXX XXXX XXXX accounts and data must be DELETED from Transunion and Transunion due to violations of the FCRA and XXXX XXXX XXXX Be fined {$1000.00} to {$10000.00} per FCRA Violation.
Product: Debt collection

XXXX XXXX XXXX added this debt while under dispute with XXXX. Through XXXX XXXX XXXX. They are showing a new collector on my report. This is contradicting information 2 debt collectors are attempting to collect the same bill. There must be a law making this matter incorrect, illegal, and fraudulent. I have provided information regarding medical conditions and proof of insurance. This account is being tossed around by collection agencies. I have not received a reply from the previous collection agency and no communications from XXXX XXXX XXXX. This is causing continuous stress in this matter which is taking effect on my mental and physical health. I have not signed consent and I have contested this inaccurate amount with no feedback thus far.
Product: Debt collection

Well, Santander Consumer USA its an auto loan theyve been wanting me to pay {$10000.00} for a car I dont have and they got it on my credit report and they already sold my information. I didnt give them the right to sell my information or put it on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and have found negative items that have not been verified or validated. This is against the law for unverified and unvalidated information to be furnished. Please see attachment for full details.
Product: Credit reporting or other personal consumer reports

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


This was clearly a billing error made my 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.

TransUnion 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: Mortgage

We applied for a conventional mortgage through the builders preferred lender, DSLD Mortgage. The application was taken by XXXX XXXX on XX/XX/2023. 
The mortgage division for DSLD is located in XXXX, AL and the property we were purchasing was in XXXX, FL. XXXX 's direct phone number is XXXX. 
We did not receive our XXXX until XX/XX/2023. I know this is a clear RESPA violation since I worked in the mortgage industry for over 25 years with XXXX Mortgage. 
Numerous calls and emails were sent to XXXX requesting the XXXX, but to no avail. 
The entire process was a nightmare. XXXX was out on a medical leave and no one worked her pipeline while she was gone. Subsequently, the loan number assigned to me expired and a new number was assigned that prevented me from uploading documents to their website. I attempted to contact one of the managers at DSLD via email, however, he never responded either.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CEDIT REPORTING ACT, THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC UNDER 15 USC 1681. XXXX XXXX XXXX : ACCOUNT # 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 WITH OUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AFENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHR ADVERE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT SEVEN YEARS. 15 U.S.C. 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF GTHE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. ATTACHED ARE CURRENT REPORTS FROM ALL THREE BUREAUS SHOWING DATE OF LAST ACTIVITY RECORDED INACCURATELY. THE XX/XX/90 LATE PAYMENT RECORDS ARE DIFFERENT AND INACCURATE. XXXX SHOWS CURRENT PAYMENT STATUS AS 60 DAYS. XXXX REPORTS IT AS 30 DAYS. EXPERIAN REPORTS THIS SAME STATUS AS AGREED. EACH OF THE THREE REPORT PAYMENT HISTORY OF SAME ACCOUNT DIFFERENTLY. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN 80 %. AGAIN, FOR THE SAME ACCOUNT. I am writing to urgently dispute inaccuracies on my credit reports with XXXX, XXXX, and Experian. These inaccuracies are critically damaging my finances and severely affecting my ability to purchase a new home for my family. The inaccurate information is causing significant harm to my credit score and, consequently, my financial stability. I request that all three credit bureaus promptly investigate and correct these inaccuracies to reflect my true credit history. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account more than once with the credit bureau. I have never been late on this account. I have a late 30 day late for XX/XX/2019. I have been a valued customer for a long time and I have never been late
Product: Mortgage

I paid off my mortgage and I asked for the orginal note back, then I had My lawyer XXXX XXXX ask for it ... .they will not return it to me. In Washington there is case law that says I 'm liablble if I do n't get it back and I 'm very worried about that happing. If I pay the note off I need it back ..the orginal and NOT a copy ... they could be selling it again in a pool on XXXX for all I know ... can you help? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX Property Address I paid off is XXXX XXXX XXXX Mo XXXX
Product: Mortgage

This is my 2nd Complaint against XXXX. As of this complaint they have still not applied my XXXX payment for XXXX properly which has acquired a late fee. By them Not applying my payments properly this has Also produced a Deficit in my escrow, Also I'm paying pmi insurance which i no longer need.I have been patient and tried to work with them to rectify this situation, this is my 2nd complaint. the uploaded information will show i have paid my mortgage on Time every month, Their INCOMPETENCE has led to total Kaos and confussion.I 've even asked for them 2 Sell my mortgage. if they review the attached documents they will see where Their Incompetence has cost me both Time and Money. After this complaint, I will be retaining an attorney to sue, Expose them on social media for the Frauds they are, alert every news station possible for an investigation in to their practices.I 'm tired, We are in one of the worst crisis and they are to XXXX  to properly apply a simple mortgage payment that was coming every 2 weeks? I changed XXXX payment to 1 and sent it at the the end of the month, as the document will show IT WASN'T applied properly meaning the xtra 100.00 is Unnapplied. Call me talk to me, lets go Over my payments from the start and assess my escrow and fix this, Please? I promise I'm Not Going away and you will be exposed for the frauds you are.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appearing on my credit report do not belong to me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CCB/FOREVR21  Account Number : XXXX This is not mine. 

6. Identity Theft CB/VICSCRT  Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft CCB/FOREVR21 Account Number : XXXX This is not mine. 

8. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine.
Product: Vehicle loan or lease

In XX/XX/XXXX, I bought a certified pre-owned vehicle from a dealership. I financed my loan through Sun Trust Bank, now Truist Bank. I paid off my loan in XX/XX/XXXX, and my account was promptly closed afterward. Making it hard to find the loan/account number. I expect the bank to send me my Release of XXXX so that I can get my car title from the DMV. It is now XX/XX/XXXX and I have not received any information or response from the bank regarding this issue. I've reached out to Truist customer support multiple times without receiving any help even though they could identify my account using my social security numbers.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the accounts is accurate without providing any evidence of a through investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 
I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

This are the accounts that I marked as inaccurate : XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX