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

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 



XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : XXXX  XXXX  XXXX  fraudulent account XXXX XXXX XXXX XXXX XXXX  fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX  Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Mortgage

In XXXX we refinanced our home and ended up with Lakeview Loan Servicing LLC. Their headquarters are located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Then in XXXX I noticed that our escrow was calculated wrong. 
We own a lot that had a one time tax of {$97.00} and then the house taxes were 4 times {$710.00}. I realize that wasnt then numbers on the statement online at the website of Lakeview Loan Servicing LLC. So immediately connected with Lakeview for them to fix our escrow issue. Unfortunately, they dismissed me multiple times. I ended up sending a Notice of Error with registered mail and again had no response. Then in XX/XX/XXXX I received our new escrow analysis and due to their error we are {$2800.00} short! I understand that our taxes and insurance have increased but according to that we would only have a {$33.00} increase a month on the mortgage, not a {$440.00} increase! 

I decided because Lakeview wasnt responsive then file complaints with various agencies. The OCC, XXXX  and AGs office. None of them were of any help, except the XXXX. The XXXX  was the only agency that got Lakeview to respond back and to admit that they made an accounting mistake on their part, but they are not willing to credit us the full amount. They calculated/projected on paper 4 times the lot taxes of {$97.00} and only calculated/projected the house tax one time {$710.00}. But again are only willing to credit us with {$1400.00} not the entire amount of {$2800.00}. Right after the XXXX  decided to close this complaint. What is absolutely nonsense, because we rejected the offer because they are willing to only credit us half of what they own us. What is fraudulent. 
We did go and check with the City of XXXX and they did say they received the correct amount from Lakeview the one time {$97.00} and 4 times {$710.00}. but again, on paper they calculated/ projected it wrong and it made our escrow short. I ask that the other half {$1400.00} gets credited ASAP, and that there will be a full investigation into Lakeview Loan Servicing LLC, and all other affiliates with them. To not be willing to credit us with the right amount due to their negligence is fraudulent. 

This company has unethical business practices and are doing this, I am pretty sure knowingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax was hacked and lost roughly half the country 's social security numbers and other personal details, and then waited over a month to announce this publicly. 

I went on their website after it was announced yesterday and checked and it appears my details were leaked. For this gross negligence and mishandling of my and millions of other people 's details they are offering one miniscule year of credit monitoring, which is idiotic considering years from now this could still cause me problems. 

I want government intervention and this miserable company as well as all their CEO 's and its executives held to justice for the gross negligence exhibited by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 15USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A. 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. 
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Product: Checking or savings account

{$2500.00} was sent using XXXX on XX/XX/2021, that money is still pending in my account today, XX/XX/2021 and my account is now showing $ XXXX with 36 pending transactions. I was told by BOA that sometimes it does this if it is not the same bank however the very next day the same exact person sent me {$250.00} and it was immediate!! XXXX says the issue is not on their end, it is 100 % Bank of America. I need my money released so that my account is not negative. It appears they are purposely holding my money to charge overdraft fees.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


XXXX XXXX XXXX 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

This is a formal complaint sent to you requesting for your assistance to reach out to the Credit Agencies in connection to my previous written letters which I have sent through certified mail about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. I have not heard any feedback or response from any of the credit agencies with regards to my request of removing this fraudulent account from by credit report. The said issue with this account has been addressed multiple times but no one have ever responded. I have been doing my research in connection to this and I found out that the Fair Debt Collection Practices Act and Regulation F requires that all credit agency should notify the consumer in specific forms of communication prior to reporting. Also, the Fair Credit Reporting Act requires that the credit agencies should provide a 100 % accuracy in all of the information. Considering these two laws, the credit agencies failed to observe both requirements.
Product: Credit card or prepaid card

I am in receipt of your letter dated XX/XX/2020. The merchants documentation do not show that the vehicle had a non-refundable down payment. It specifically states that deposits on vehicles to hold them so that they can not be sold is not refundable. The down payment was part of the finance deal and was used in order to get a certain interest rate with the financial lender. 

In addition, I am attempting to get additional documentation for you from XXXX, but I have attached the document showing that XXXX XXXX paid XXXX and purchased back the vehicle in full nullifying the contract and at that time, according to XXXX, they were to return the down payment to us. 

I have made numerous attempts to contact XXXX XXXX, but they do not respond. 

The payment from XXXX XXXX to XXXX was on XX/XX/2020. Since XXXX XXXX received the vehicle back, they should of returned the down payment, but it has yet to be received. This is the reason that I am initiating this dispute. 

Please reprocess the dispute and note that all of the documents that were originally signed are also attached to this letter. Anything additional was forged by XXXX XXXX, or was not provided at the time of the transaction. In addition, XXXX auto neglected to properly disclose on the credit card transaction receipt or anywhere in their showroom that the amount paid on the credit card would not be refundable. 

Because of these multiple reasons, it is in violation of the Visa Guidelines, and I respectfully request that this go to arbitration or that the case be reopened and the amount refunded back to me directly from Elan Financial in this dispute. 

Feel free to call me at anytime with any additional questions. 

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

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review.
Product: Credit reporting

I have XXXX state tax liens listed on my equifax report as released. The liens do not belong to me. XXXX and XXXX completely removed the liens from their reports, however Equifax refuses to do so. When contacting the state they immediately released the liens stating that they were filed against a business that I had previously sold and had no responsibility for, and they sent a letter stating they were released. Equifax shows these liens as released, but as they are still showing on my credit report they are hindering my ability to receive financial aid and take out student loans for medical school.
Product: Debt collection

On XX/XX/2022 I had a ambulance service, and I received an invoice from XXXX XXXX # XXXX XXXX NJ for " XXXX XXXX '' trip number XXXX, I paid the amount by bank check. I had another ambulance service on XX/XX/2022 and I received an invoice from XXXX XXXX. # XXXX XXXX NJ for " XXXXXXXX XXXX XXXX' under trip number XXXX, and according to our agreement of payment, I am paying by credit card monthly. 
Then I received a letter from CMRE " dept collector '' saying that I have a dept to a company called " XXXX XXXX XXXX XXXX '' for a service dated XX/XX/2022 and XX/XX/2022 which is never billed to me. I called them I I spoke to XXXX XXXX XXXX XXXX at XXXX XXXX and I explained that I don't know this company and they are using the dates which I had a service from another company. Also I mailed them. 
I received another letter from CMRE mailed XXXX including some computer printout. I am scared they obtained the records of " XXXX XXXX " and they are using. I need a help. 
Thank you. 
Kind regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them my Id, social, & bank statements Not one person has been able to help me get my PIN number to unfreeze my account with them. 
Customer service cant identify me with everything I sent Still no PIN number to unfreeze my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian and XXXX are reporting incorrectly that I am XXXX XXXX XXXX days late on the DEPTEDXXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my XXXX XXXX and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

Keycorp/Keybank-Joint checkinXXXX account. 


On two instances funds were withdrawn from a joint account held by my XXXX - XXXX XXXX and me- XXXX XXXX. Funds were withdrawn via an e-check to a XXXX  compay. 
First Incident - My XXXX had XXXX  away XX/XX/XXXX and the first e-check was withdrawn XXXX XXXX XXXX. This account was her primary account into which her Social Security deposts were made directly. I only discovered the fraudulent check in XX/XX/XXXX while preparing my XXXX 's taxes. Due to onging Covid shutdowns and restrictions it was difficult to get clear instructions on filing a dispute and finally a meeting face to face with the Branch Manager-XXXX XXXX XXXX XX/XX/XXXX. Considerable time was spent on the phone with the Fraud and DIsputes dept to file the correct paperwork. Please refer to the attached file that further details the first dispute, follow up contacts, then ultimately the second dispute initiated XX/XX/XXXX for another e-check withdrawn from the account. 
Futher- the account was supposed to be flagged/locked against any withdrawals or debits. 
SSA continued to make direct deposits into the account, even though efforts have been made to re-submit my XXXX XXXX XXXX. They will want the money paid into the account back. That would include the total amount withdrawn by the fraudulent checks. 
I have been treated more like the criminal than the victim thoughout this issue.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX 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. 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 in ( MONTHS REPORTING LATE ) 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 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

I finished paying my car noteLast year XXXX XXXX XXXX XXXX  however sometime before that, in XXXX XXXX XXXX  ), about a month before i made my finalpayment, XXXX XXXX XXXX ( XXXX ) reported that I was 30 days late on my payment. I called several time and exchanged emails etc. XXXX ( rep from XXXX ), respondedwith justifications as to why that late report is on my report etc. ( see thread ) Eventually, your team sent me my title but the late payment report had already been done. 
I recall talking to XXXX team several times in XX/XX/ about why my creditreport is showing more balance than it should. A team member informed me that XXXX is changing its systems and for that reason, balances showing on each credit bureau is different. I gave their team grace to correct this balance inaccuracy. XXXX XXXX, there still was no correction yet. ( I assumed XXXX was still changing database systems ) Again, I emphasized to the representative that if i were late for my payment, XXXX will charge me a late fee and also report to the credit agencies. I stated that if that correction is not fixed, i will not make payment on time for my next month. ( All of this, i have on recording and i believe your team has on recording as well ). Indeed if i was late on payment, XXXX quickly reported that late payment to the bureau. 
Fast forward to today, this isscrewing me up big time because I can not purchase real estate whatsoever. 

At this point, all I am asking is a resolution regardless of who is to be blamed. As customer goodwill/ courtesy ; is XXXX or anyone capable to update the creditbureauwith a letter or something so that it can be fixed/taken off my report?
Product: Money transfer, virtual currency, or money service

Cash App ( Block , Inc ) failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

acct with XXXX  XXXX XXXX XXXX is showing a balance of XXXX owed with late payments past XX/XX/2107 to present date. it is showing missed payments from XX/XX/2017 and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from XXXX  XXXX XXXX was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX
Product: Debt collection

The company was sold an account from the orignal creditor XXXX XXXX XXXX. 
The company did NOT follow the required steps of notifying me of the debt. I disputed the account due to this reason requesting removal of the account with XXXX, However, the creditor did not complete the request. They did not send a email, call me via phone or send a letter via mail! I was not aware of this debt collector until I checked my credit reports!! According to the FCRA There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must do any of the following : Speak to you by telephone or in person about the debt Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally 14 days, in case it is returned as undeliverable I never received a validation notice, which means that they did not satisfy their requirement to contact me or have the right to begin reporting the debt to the credit reports!! According to the FCRA it is a credit violation to report a collections account with a PAST DUE BALANCE. They are only allowed to reprort the acct as a unpaid debt only and not a account with a past due balance!!!! By law that it is a credit violation and a violation to my rights! Under the FCRA compliance this is inaccurate reporting and must be removed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

I was an authorized user on this account up until I removed myself in XXXX 2015. According to my credit report, the balance has stayed the same and it looks like there has n't been any data reported since XXXX 2015. Is there a way to show a XXXX balance here?