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 have violated my federally protected consumer rights under 15 USC 1681.

I am not accepting responsibility for any of the below accounts however my attempts at removal due to the nefarious acts of others have gone unnoticed. Several of these accounts that have reached the 7 year mark have been hurting my credit for almost 10 years through no fault of my own and should be removed at once. Again, I will list in detail the aforementioned accounts below. 

XXXX. XXXX XXXX XXXX ( reporting over seven years ) Account number XXXX This company is adding on time payments, that never occurred, to keep this active on credit report. This should have been deleted as the account was opened by fraudster in 2016. The perpetrator defaulted over 7 years ago. I have tried many times to fight this and now the account has passed 7yr tenure for reporting. 

XXXX. XXXX OF XXXX ( reporting over seven years ) ( XXXX Accounts with same account number in different amounts ) Account number XXXX XXXX. XXXX ( I did not open this account ) Account number XXXX XXXX. XXXX XXXX ( I did not open this account ) Account number XXXX XXXX. XXXX ( Reporting as duplicate account with XXXX XXXX  ) ( Past 7 year reporting ) not my account Account number XXXX XXXX. Account name XXXX XXXX ( Past 7 year reporting ) - not my account Account numberXXXX XXXX. Account name XXXX  ( Not my account ) Account numberXXXX Original creditorXXXX XXXX XXXX XXXX  XXXX. Account number XXXX ( Not my account, reporting more than 7 years ) XXXX XXXX XXXXOriginal creditor : XXXX XXXX. XXXX - not my account XXXX - This account was opened fraudulently through identity theft and documentation has been submitted to show this. Account removed from Experian, still reporting through XXXX and XXXX. 

Credit reporting laws violated are listed below -- 15 U.S.C 1681 Section 602 A states I have the right to privacy.

604 A Section 2 - States a consumer reporting agency can not furnish information without my written instructions/consent.

15 U.S. Code 1679c - Disclosures - The credit bureau must remove accurate/inaccurate, negative information from your report if it is over 7 years old.

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

My family closed on our home XX/XX/XXXX. We were not required to make a payment until XX/XX/XXXX. We were informed that our loan would be transferred to a new loan servicing company, which happens to be a company by the name of XXXX XXXX, but the dates as to when were still unclear. We were told we would receive a notice with the new loan information. It had came time to make XXXX payment and we still had not received notice from the new loan servicing company, XXXX. I contacted my original loan officer XXXX XXXX with Homespire Mortgage and was informed that any payments due before receiving notice from the new loan servicing company was to be paid to Homespire Mortgage using their online payment portal. The payment for XX/XX/XXXX was paid to Homesprire Mortgage on XX/XX/XXXX I have bank statements as well as conformation that the payment had processed. I was informed by XXXX XXXX that the payment would be transferred once the new servicing company, XXXX XXXX was in place. It is now XX/XX/XXXX and my payment for XXXX still has not been transferred to XXXX XXXX. I have made countless attempts to reach XXXX XXXX regarding this issue. I have provided her with MR.COOPER companies information as well as the loan numbers for the new servicing company so that the payment can be transferred and she has failed to do so. She has failed to respond to any emails or phone calls. I have provided XXXX XXXX with proof that the payment was made, I am continuing to get calls from XXXX XXXX requesting payment for the payment that has already been made.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accondance with the Fair Credt Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Accounts name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] has violated my richts. 
I looked at my XXXX credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, 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; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 








Delete accounts Immediately from My report [ XXXX XXXX XXXX XXXX XXXX XXXX ] from my credit report, Delete account [ XXXX XXXX XXXX XXXX XXXX XXXX  ] from my credit report, because of multiple violations of the fair credit reporting act.
Product: Mortgage

I have been approved for serveral trial modifications by my first lien holder XXXX Mortgage however Chase who owns my second is not willing to submordinate the loan to help me save my home.
Product: Credit card or prepaid card

I had a payment due on XX/XX/XXXX. 
Tried calling and paying on XXXX XXXX, and the XXXX. 
Phone system was down with no answer or and out of service recording Finally spoke with someone at XXXX and was told there system is down and I can only pay by wiring the money or going on line, but online phones and tablets do not work only PC I told the person if I wire today Ill be fine? She said no its after XXXX central time do you will get a late fee even though their system is down. 
Asked to speak with a supervisor but was told none of them work today but they know about the issue and this is our policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I sent payment via mail last Thursday. This is plenty of time and before payment was due. I am now being charged a late fee. I need this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an a credit account with  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  XXXX   XXXX  was to correct this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing the  XXXX  accounts. The removal is to be fro the account ending in ...  XXXX .
Product: Credit reporting or other personal consumer reports

A few months ago, I examined my credit report and discovered inaccuracies regarding the XXXX XXXX  account ( XXXX ). This is a breach of my rights. I disputed these errors directly with the three credit bureaus and the creditor, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Vehicle loan or lease

I purchased a used vehicle through flagship. The vehicle was working fine until the vehicle started to mess up. I contacted the dealership and Flagship notified them about the vehicle and that I'm not able to drive the vehicle. They gave me the run around on getting the vehicle fixed. Neither company did anything for months. All my payments were on time even when I wasn't able to drive the vehicle. Finally I called Flagship and asked them to pick up vehicle ( voluntarily ) notifying Flagship each month to pick up vehicle.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Experian for failing to correct the inaccurate reporting of late payments on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite multiple requests for correction through letters dated XXXX XXXX XXXX my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information reported in consumer files. In my case, this requirement has not been fulfilled, as the same errors regarding late payments have persisted across multiple disputes. 
Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account indicates that this requirement was not followed. 
TILA Violations The Truth in Lending Act requires accurate and timely disclosures to consumers. The inaccurate reporting of late payments on my XXXX XXXXXXXX XXXX  has caused unjustified harm to my credit score and financial standing, violating these obligations. 
Protection Against Non-Payment of Obligations Act ( PAANL ) The Protection Against Non-Payment of Obligations Act ( PAANL ) also reinforces creditors ' responsibility to issue timely billing statements to avoid unfair penalties. The errors in my accounts late payment reporting show a failure to meet this requirement, leading to unjust consequences. 
Pattern of Inaccuracies The discrepancies in late payment reporting across all three credit bureaus show a pattern of inaccurate information. These errors are causing harm to my credit score, despite my previous disputes. The information reported by XXXX, Experian, and XXXX is not only inconsistent but also incorrect. 
I formally request that these errors be corrected and removed from my credit report immediately. If these issues are not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action to protect my consumer rights. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

AFNI INC has place derogatory information on my consumer credit report harming my reputation. I DO NOT HAVE AN AGREEMENT WITH AFNI INC, AFNI INC WAS NOT AND NEVER WAS PARTY TO ANY AGREEMENT ON BEHALF OF OR BETWEEN ME THE NATURAL PERSON AND ANY OTHER PERSON., I never gave them permissible purpose pursuant to 15 USC 1681b ( 2 ) to furnish any information on my credit report, nor was I notified about this alleged debt. AFNI INC, is in violation of the FDCPA and my consumer right to privacy. This is active identity theft. No written notice was received within five days of the initial communication as the first communication received from this debt collector was on my consumer report. Therefore this debt is unverified, does not follow the requirements and is a violation of 15 USC 1692g. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt pursuant to 15 USC 1692e. AFNI INC furnished derogatory information on my consumer report creating a false belief that I am contracted with the and owe a debt. Pursuant to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. In accordance with 28 U.S. Code 3002 ( 1 ) ( B ) AFNI INC. is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 USC 8 on behalf of the United States and otherwise would have no rights to collect.
Product: Mortgage

On XX/XX/2021, I submitted a complaint to the CFPB ( XXXX ) concerning my present mortgage company Chase Bank. They responded with a standard reply and the case was closed. I responded with a letter to Chase because I was not satisfied with their response. 

As a result of my complaint to your office and my response to their reply to the initial complaint, Chase Bank has taken punitive action against me by turning my mortgage over to XXXX XXXX XXXX ( from my research, this appears to be a sub par servicing company ).

When filing this initial complaint, it was my prayer and hope that Chase would look into the matter and actively work to make things right. However, just the opposite ... Now I get XXXX ROYALLY!!!

I need your help please?!!!!!
Product: Mortgage

In XXXX of XXXX I received a new escrow analysis for my conventional loan dated XX/XX/XXXX On this analysis they reported that my homeowners insurance was going to be {$11000.00} for the following year. It is actually {$1100.00} per year. This error in accounting by the servicer resulted in the monthly payment more than doubling effective XX/XX/XXXX. On XX/XX/XXXX I called Intelliloan the servicer for my loan and we had a three way call with my insurance Agent from XXXX. We explained and he faxed them the actual premium showing it is not {$11000.00} it is {$1100.00}. I explained that I could not afford the new mortgage payment as I am on fixed income. XXXX with Intelliloan admitted it was a mistake and said they would fix but that I must make the higher payment until they straightened it out. I again explained I could not afford the higher payment. My previous payment had been {$1300.00}. They want me to pay {$2700.00}. I paid {$1300.00} in XXXX and called them again to explain the issue. A supervisor, XXXX told me the new payment would be {$1300.00} and she would accept the payment and put a note on the file. I paid {$1300.00} in XXXX. This amount has put in suspense and they sent me my XXXX payment coupon showing I owe {$1300.00} for XXXX and I owe a past due amount of XXXX plus late fees. In a phone conversation with them they told be to just pay the past due and they would refund it to me later. I again explained that I do not have the money to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, Equifax, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act XXXX XXXX XXXX XXXX. XXXX : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX  On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : XXXX. Requirements relating to information contained in consumer reports [ XXXX XXXX. XXXX ], Section XXXX of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ XXXX XXXX. XXXX ] ; XXXX XXXX XXXX a ) ( XXXX ) [ XXXX ], and XXXX. 

CREDITOR CONTACT INFORMATION : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ACCOUNT # XXXX EXCEPTIONS TO DISPUTED ARGUMENTS AS STIPULATED : I demand that this account be posted on all three credit bureaus, as currently it is only posted on XXXX XXXX XXXX XXXX XXXX This is causing me difficulty as I can not post the proper credit rating on all bureaus that I deserve. Accordingly, I respectfully request that the above referenced subscriber to the credit bureaus top clear all obstacles that hinder the account information across credit reporting agencies, adding Equifax and XXXX XXXX into its monthly reporting on payments and overall account status. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Debt collection

I am being sued by a lawfirm in WI for a very old debt that is no longer in my credit reports. It was cleared many years ago. This account was paid and cleared from all credit reports. 

Ive received many unknown phone calls with silence at the other end. I do not know who is calling me, but I receive multiple calls per day every day for years now. 

I have received over the years since this account was closed from all of my credit reports, debt collection notices from a company named Midland Funding LLC. on this one account. 

As of XXXX XXXX, I received in the mail a new letter from a law firm representing Midland Funding LLC. The law firms name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX. They are requesting XXXX for my person with respect to a debt that closed many years ago from my credit reports of which I have no information on. 

The original creditor : XXXX ( XXXX XXXX ) Account No. : ( Listed in Attachments ). 
Their Case Number : ( Listed in Attachments ). 

Their Account Balance : {$690.00} This law firm has filed a case in the ( Listed in Attachments ) -District Court, dated XX/XX/year> Docket No. : ( Listed in attachments ). 

Request for Production of Documents filed in court. This law firm is illegally filing on an account that closed many years ago representing what is a debt collection company, and this account is not in any of credit reports. This is illegal. This law firm needs to be reprimanded for such illegality. The statute of limitations is 6 years ( CH. 260 Section 2 ) in Massachusetts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with Transunion, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( 3 ) CB could not show me a verified contract but the balances still  remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a copy of my report in XXXX dated XXXX and I found out that Transunion still indicates my dispute of information in my credit report. As of todays date, Transunion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX and XXXXXXXX XXXX XXXX because I believe they were reporting in error.
Product: Credit reporting or other personal consumer reports

My only name is XXXX XXXX My only address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Please delete all other addresses and names for privacy and accuracy. 

Please delete all employers. They are no longer valid nor accurate.