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

I am a victim of XXXX and the information listed below on my credit report is a result of that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b two separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXX XXXXXXXX XXXX and have a form of XXXX XXXX  by which i take XXXX XXXX During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.
Product: Debt or credit management

The company Credence calls me everyday once a day without fail about a loan application for debt relief Ive never applied for, signed up, or provided any information. But they still call from a new phone everyday leaving me voicemail to complete my unfinished loan application. I cant block the number because its a new one everyday and the recording is a robocall voice so not a real person. I want the calls to stop, I have nothing in debt collections and I dont want to settle my debt. I want them to stop calling me. I have evidence of all their calls in my call log. I look online and theyre a scam company trying to help with fake debt collections. This has been going on for 6+ months now and it needs to stop.
Product: Credit reporting or other personal consumer reports

It is essential to note that I did not grant permission for these accounts, and their presence is causing me substantial distress. I kindly ask that you prioritize this issue, carry out a comprehensive investigation, and expeditiously remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely valued.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
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. 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have been having fraud and identity theft problems. The FTC suggested I contact Equifax to get a credit report. When I contacted Equifax , they did not tell me I could get a free credit report. Instead, they said I needed to get Identity Patrol for a cost of $ XXXX/month. Three days later, I received an email stating I was no longer eligible and needed to get the Gold Watch protection for $ XXXX/month. When I called to ask about this, I talked to " XXXX '' who told me that some other credit company had put a freeze on my account and asked me a lot of vague questions about my credit without explaining why. Eventually, she said the account had locked up and I would have to email for additional information and she hung up. I was a little concerned because my emails had been hacked into. This did n't seem a secure method. Two hours later I called back and talked to " XXXX ''. He said the problem had been corrected and had been caused by XXXX. The only people I ever talked to were at Equifax. He said I only had to pay {$16.00}. When I explained to him that all I wanted was a free credit report and that that was never given to me as an option. He said there was little he could do. When I asked for a refund, he said he did n't handle that, it was handled by billing in the back-office. I then spoke to XXXX XXXX who said there would be an investigation and I should get a refund in 7 to 10 business days. He gave me a reference number of XXXXNone of these people were helpful, polite, or professional. They all wanted to argue with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$110000.00} XXXX  XXXX {$110000.00} XXXX  XXXX {$25000.00}
Product: Mortgage

I called for options as FHA relaxed their rules and wanted borrowers to get options. I called Kentucky Housing Corporation and they would not accept my payment and would not offer any options to me
Product: Debt collection

I got a notice from XXXX that there is a collection added to my credit report. 
Franklin Collection Services, XXXX XXXX XXXX XXXX. 
XXXX MS. XXXX XXXX. 
It was for {$1200.00}. 
This debt originated more than XXXX yrs ago from XXXX XXXX XXXX. I had there services when I lived in XXXX. When I changed services, they mailed me the boxes to return the equipment in. 
I mailed their equipment back to them. A couple of months later they sent me a letter stating they never got the equipment, and billed me {$1200.00}. Obviously I called to try and straighten this out, but were adamant. Seriously, what am I going to do with the equipment without their service. 
Since then, at least once a year, but this year twice so far that XXXX XXXX XXXX debt is being sold to third party collectors. Just a few months ago it was XXXX XXXX XXXX. This hurts my credit score every time it shows on my report. 
This has been an albatross for more than 10 yrs. Also what they do is show I opened an account with them. When I don't pay they report that I was late. 
This is really hurting me. 
I beg you please help me with this. I am XXXX yrs. old and I don't need this aggravation in my life right now. 
Isn't there a statute of limitations on this kind of stuff. 
Please help me. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Received a letter in the mail last week ( 9/8 ) stating that it needed addl information from me in order to finish the credit card application. ID fraud is happening. Someone is attempting to apply for a XXXX XXXX through JPMorgan Chase Bank using my name. I, NEVER applied for this card. Spoke with Chase today ( XX/XX/12 ) re : this issue and assured me that the matter has been care for. Spoke also wXXXX, XXXX XXXX who also addressed this info. Thank you
Product: Checking or savings account

Optum Bank charges me monthly my 0.03 % of my account balance as an " investment fee. '' However it is my responsibility to select the funds, manage the account and its balance, and reallocate at any point. What am I getting in return for this charge that adds up month after month? Also, they charge a quarterly {$1.00} printed statement fee which can not be opted out of. I have their app, use their online portal, but still have to pay a fee to get something I don't want mailed to me? 

This is an example of bank institution knowing that because of the complexity of an XXXX they think it is okay to just charge people high fees with nothing to show in return. I highly recommend a full blown audit of Optum Bank 's business practices surrounding the fees related to their XXXX XXXX Accounts. As a consumer I feel completely stuck paying fees that have no justification or way to avoid.
Product: Payday loan, title loan, or personal loan

Of the year between XXXX, my wife and I took out a personal loan with Republic Finance LLC . My wife became deceased in XX/XX/XXXX and I and my daughters were making payments to Republic Finance then I had a XXXX in XX/XX/XXXX and was not working, but my daughters were still making payments. I received a letter XX/XX/XXXX mark dated XX/XX/XXXX, from XXXX, XXXX & XXXX XXXX stating there was a judgment placed on XX/XX/XXXX, in favor of Republic Finance L.L.C. I was not even aware of a court date due to having XXXX XXXX XXXX in XX/XX/XXXX and never received a notice to appear for said court date. On XX/XX/XXXX, I reached out to XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. requesting the report of the delivery notice to appear for the court date and the contract between the firm and Republic as I do not give consent for my information to be transferred to a third party. They have not responded even though stating I only had 5 days to respond while taking two of those days for mailing. I also contacted the XXXX XXXX branch of Republic Finance on XXXX XXXX XXXX request that I receive my loan agreement and initial was told that a manager would have to be reached or I would have to get it from the attorney, which I requested to speak to the manager because my loan agreement should be delivered upon request as it contains my name and my social security number. I was finally told I can pick on my agreement on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported. 

To resolve this matter fairly, I propose the immediate removal of these accounts from my credit report to comply with legal requirements. If there are any discrepancies or further clarifications needed, I am willing to provide additional information or documentation. 

I appreciate your prompt attention to this matter and look forward to a swift and fair resolution.
Product: Debt collection

EOS CCA. Attempting to collect a debt for {$600.00} account open date is XXXX XXXX. This is not my debt. I have told the company this. I have disputed the information on my credit report and they refuse to delete the incorrect information.
Product: Debt collection

Constant calls and texts messages stating I owe debt and will be contacted by a debt collector. I block all the calls and report the texts but they still come. A few years ago I was on a payment plan to pay off a bill that I owed and they stopped after XXXX years so I thought they were paid off because of this but then got calls stating they were a debt collection team associated to the company I had previously had the payment plan with and signed up for another monthly payment to them so my credit didnt decline since they said that would happen and I thought they were with this company. However, I changed my bank debit card and the payments stopped and a year or so later I got calls again. With the knowledge I have about these scams now I have blocked all calls and deleted texts from these said debt collectors. Being on my payment plan for months theres no way they were not paid off also. Its sad and scary cause it is hard to know what companies and people are real anymore.
Product: Credit card or prepaid card

I believe BANK OF AMERCIA violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case BANK OF AMERCIA revoked my credit. Shown in exhibits.

I believe BANK OF AMERCIA is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or 1 per centum of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits.

Fact, BANK OF AMERCIA did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits.

Fact, BANK OF AMERCIA violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on XXXX. I believe BANK OF AMERCIA is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits.

2ND AFFIDAVIT AND I REFUSED TO WAIT 60 DAYS AGAIN ABOUT THIS MATTER. THANK YOU.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has fraudulently reported 30 day late payment on my credit report. During this time i had XXXX  and spoke with XXXX ( XXXX ) about my account. When requested deferment for the month of XXXX she granted my request. During the month of XXXX i received a 30day late notification on my fico report. Dropped my score drastically. I have been a member with XXXX for many years and was shocked. I have contacted several times and they are not willing to investigate what so ever. There only solution they gave me was to write a letter to there dispute department. And of course ive done several times and they just responded back with there generic message, they cant help me at this time. This is wrong of XXXX XXXX, it shows me that they dont care about other peoples lively hood that they put at stake. 

I have disputed with all bureaus and they just come back with verified verified verified. 

CFPB please open an full investigation to help me get the fraudulent 30 day late payment off my credit report. as it is damaging me credit worthiness. When in fact i was on top of this account. XXXX is the one that has reported incorrect data to my credit report. 

In accordance with the Fair Credit Reporting act XXXX XXXX acc # 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 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: Debt collection

Sometime in XXXX, I had sent a debt validation request via certified mail regarding other accounts, and received a response with medical information not at all connected to my identity. This letter included multiple HIPAA violations. In response, I sent another certified letter informing them that not only was it not my debt, but the information provided by them was inadequate to meet the conditions for validation ( please see attachment XXXX ) This eventually lead to the removal of this specific account from my credit report. 

Since, I have had several more appear on my credit report with I have been unable to get a certified letter to Plus4 about, making an attempt to reach resolution as I am not sure these accounts even belong to me. Each of my letters were mailed to the address listed on my credit report, and returned as " Undeliverable : refused ''. At this point I made an attempt to contact Plusfour via telephone, and was told that they do not accept certified mail at their address. I believe this is a violation as they do no allow me to request a validation. 

On XX/XX/XXXX, I sent certified letter to debt collector requesting debt validation This was marked refused. 

Since attempt to contact plus4 via the appropriate legal channels, multiple accounts have appeared on my report, and I am unable to validate any of them due to their refusal of my attempts.
Product: Credit reporting

I recently applied for a personal loan with a bank I have done business for many years. 
My load approval was rejected based on information contained within the credit report from Equifax. Reason stated serious delinquency, time since delinquency is too recent. 
The bank gave me the agency that reported this information. I contacted XXXX XXXX XXXX company an ask to speak to a supervisor about the information reported. I was informedmy payments were not submitted on the due date an were reported as 15 -30 days late for several months. After reviewing my account they determined my payments were made in advance of the due date but within the same month and therefore when the due date arrived it was reported as nothing received. It is not that payments were not received in advance of the due date, but the posting did not show early payments in theresystem. I ask if they could contact the credit bureau and have the delinquency statement removed. They told me nothing can be done. My complaint is I have been charged withnumerous delinquent payments each month when in fact I not only paid the amount due each month I paid more than the minimum and long before the due date. They do not dispute this statement and thanked me for being a good customer, but there is nothing they can due to change this reporting. I believe this not only to be unfair reporting, but has greatly affected my overall credit score reducing my score very low. I want them to contact the agency and remove all this information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.