23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and I notice that I have to late payments on an account that I was never late for. Cosumer reporting agencies have assumed a vital role and have the responsability to report consumer information to the best of their ability with maximun accuracy. I have never been late on payments for this account XXXX XXXX please investigate and provide proof with statments showing that the payment was late. If proof can't be provided I demamd these payments are updated to on time as they should never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information including SN, DOB, full address, and DL number may have been stolen due to a cyber security breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB In accordance with the Fair Credit Reporting act these creditors has violated my rights. 

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 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: Checking or savings account

Fraudulent charges dating back one year bank refused to credit account, closed investigation without explanation how account was accessed in another city also numerous atm withdrawals not in network.
Product: Debt collection

I recently had noticed that a collection agency had placed a negative report on my credit report with XXXX. I have disputed the validity of their claim as I did not open an account with this company, XXXX XXXX XXXX XXXX. After disputing this claim with both XXXX and the collection agency for XXXX XXXX XXXX XXXX, I was informed by Southwest Recovery Services that they knew the date they reported to XXXX was incorrect and they also informed me that their client had purchased the account from a pay day loan operation and re-aged it to XXXX. The original date on this account was XXXX XXXX but changed the date in order to place it upon my credit file. This company did not even have a correct name or address for me and was using an old name and address to report this file. If I am reading the Fair Credit Reporting Act correctly offering a fraudulent date to place this on my credit is against the law. This company states that I owe XXXX but has not produced any proof or even a bill to me in regards to this, and I do not remember getting a loan from them on XXXX. From what I understand there is no paperwork they can send me as proof. I hope that you can help me to resolve this issue. Thank you!
Product: Mortgage

My original home loan was sold to Nationstar dba Mr. Cooper in XXXX. In XX/XX/XXXX I sent my county tax bill to Mr. Cooper within 24 hours of receiving it in the mail. Mr. Cooper confirmed it received my tax statement. I assumed they paid it from my escrow. 
On XXXX I received a past due tax bill from the county I live in. I immediately called Mr. Cooper and they assured me it would be taken care of in 7 business days, and that they would now pay the almost {$600.00} late penalty fee. Seven or eight phone calls later my taxes still have not been paid. 
On XX/XX/XXXX I was told the taxes had been sent priority mail on Saturday XX/XX/XXXX. When the taxes had not been received, I called Mr. Cooper on XX/XX/XXXX and they told me two different stories. First the lady named XXXX told me the taxes were wired two days earlier, then XXXX told me after speaking to XXXX XXXX in the tax department that the check would go out that day ... priority mail. As of XX/XX/XXXX the taxes still had not been received by my county. When we called on XX/XX/XXXX we were told the taxes actually had not been mailed until Monday XX/XX/XXXX. No one at Mr. Cooper can provide us with a priority mail tracking number to prove it has actually been mailed.
Product: Mortgage

In the winter of XX/XX/XXXX I went to Wells Fargo for a Pre-Approval letter to purchase a duplex investment property. The loan person XXXX spoke about what good investments rental properties are and said I would need to put up 20 % as a down payment as oppose to VA loans. She gave me a letter stating just that on Wells Fargo letterhead. I negotiated the sell price based on this information, went under contract and submitted it to the bank. Well after ratifying the contract, I got a email from XXXX listing addition items needed to proceed. The last bullet was a note saying " by the way, it 's not 20 % but 25 %. Needlessness to say, I was neither happy about the content, the mis-information or the manner in which it was now being made known. I complained to every level of Wells Fargo and told that nothing could be done but as a token appeasement for this multi XXXX dollar error, the bank would refund me the cost of the appraisal at closing. That did n't happen either. It toke about XXXX weeks. Flash forward to XX/XX/XXXX. I get a escrow shortage letter like none I 've ever seen before for this property. First of all, I have only had the mortgage a year. Secondly, the letter states that even if I pay the lump sum of nearly {$700.00}, my mortgage will still go up about {$70.00} a month and if I do nothing over {$100.00} increase! So I called for an explanation. First I was told that the shortage was caused by tax and insurance increases. I challenged that and the story changed. I have been told that the real reason is that at closing I paid for my flood insurance up front as I was directed to do. Wells Fargo was to escrow for the following year over XX/XX/XXXX and did n't. This is again a bank error and I should n't have to pay for it with a substantial monthly rate increase. I have again complained and have had communication with Wells Fargo 's corporate office. This process has been going on for some time and XXXX of deadlines for resolution have been extended. The last XXXX was XX/XX/XXXX. Got the the call. New date XX/XX/XXXX. It did n't take long to make these mistakes. I have been with this bank for 20 years and deserve better. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit cards balance inaccurately appears on my credit report. There should be a {$0.00} ( zero ) balance. The {$9600.00} that currently appears on my credit report stems from fraudulent transactions that Equifax was notified about. Additionally, XXXX XXXX credit card inaccurately reflects a {$10000.00} balance. That balance should also be {$0.00} ( zero ) because the charges also stem from fraud. Equifax has not properly corrected the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

" IDENTITY THEFT '' We received a voicemail from a " XXXX XXXX '' with New American Funding on XX/XX/2022 at XXXX XXXX. which concerned us because he identified as our licensed loan officer saying '' Hey, XXXX how are you this is XXXX I am your license loan officer here at New American Funding I am trying to reach XXXX in regards to an application that we got in so reach out to me and give me a call ''. He said twice that " have an application for you '' on the voicemail received. These two things are misrepresentations that not only confused us, but nearly had us giving our private information to a person that we THOUGHT was already our loan company. This individual identified as our loan officer by stating " YOUR LOAN LICENSE OFFICER '' on the call and repeatedly mentioned that he had our application. None of the factors laid out by law were adhered to, and hence was misrepresented at the highest level of sales scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX does not respond to request to validate bill on behalf of XXXX. I read on Internet the  company was closed.
Product: Debt collection

I was informed by XXXX XXXX regarding 2 accounts in collections. I am not aware of these debts. I thought all my medical bills were paid. This is a huge impact on my credit. Assetcare {$90.00} from XXXX XXXX XXXX and Assetcare {$81.00} from XXXX XXXX XXXX. These are very small amounts that I would have paid. I am not familiar these debts. I do not know what they are for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward. I just got a duplicate drivers license and copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts open that I am not nearly familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$240.00} XXXX XXXX   XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$68.00} XXXX XXXX   XXXX {$460.00} XXXX XXXX XXXXXXXX XXXX {$450.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 XX/XX/year> 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. 


XXXX 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: Debt collection

XX/XX/2021 Dear XXXX XXXX, XXXX XXXX XXXX has purchased your XXXX XXXX XXXX account from XXXX XXXX XXXX. 

Your account has been placed with our office for collections. We understand that this can be an unpleasant experience, but we want you to know that we are here to assist you. 

We want you to feel like a person, not an account ( it is sort of our thing ) We have payment options available online 24/7 if you would like to make a payment. 

If you would like to resolve this matter, but are unable to take advantage of the options offered on our portal, ( seriously, take a look and tell me those are not some sweet options ) please don't hesitate to contact us at ( XXXX ) XXXX or simply respond to this email so one of our account representatives can follow-up with you as soon as possible. 

Current offer : Up to {$450.00} off in up to 18 payments View My Options Have questions? Call us at ( XXXX ) XXXX or simply reply to this email so we can assist you. 

The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request from this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different than the current creditor. 

Our Reference Number : XXXX Original Creditor : XXXX XXXX XXXX  Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Current Creditor Account Number : XXXX Total Balance Due : {$910.00}
Product: Credit reporting or other personal consumer reports

I send a dispute to Transunion about a public record they are reporting on my credit that is not mine. I asked them to send me the independent investigation that reflects my name address and information and they didn't comply. I want they to delete this account the public record that shows is # XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested copy of consumer credit report ( s ) to verify all reporting data was accurate and current to the best of my knowledge.

I noticed several unauthorized hard credit inquires that I didn't apply for and I sent a letter to both CRA and Inquire Business company. I also noticed several inaccuracies on other accounts which I previously requested this accounts to be block and remove off credit report and these account haven't been removed and block even after providing proof of inaccuracies to them via Certified Mail.
Product: Debt collection

The complaint is with credit company XXXX  XXXX  and ginnys I was on a hardship payment program due to XXXX the acco3has been put on credit bureau as a charge off i notified the company just completed XXXX   XXXX and they said that the hardship had been cancelled if they needed to follow up with doctor they could have done so didn't receive any notifications that the hardship program stopped and notifications of a charge off
Product: Checking or savings account

Well i was suppose to recieve a package from XXXX i never recieved such package i at that point file a dispute with my bank i contacted XXXX they told me thst my bank was responsible to refund my money but chime refuse to refund my money i have provided screen snoots ofmy conversation with XXXX and they still fail to acknowledge there is an issue. I have given the multiple opportunities. The amount was XXXX on the XXXX of XX/XX/20XXXX XXXX
Product: Credit card or prepaid card

Good evening : The company Discover Card closed by account that has a credit limit of {$7900.00}, without notifying me in advance. The account had a XXXX balance, and I have been a member of Discover from 2014. I was informed that my account was closed due to lack of activity. I am currently paying a Discover Loan, which is current. 

This sudden closing of my account during Covid, without any notice is cold hearted and without merit. I owe Discover no money on my credit card account and I paid down my Discover Personal Loan of {$30000.00}, down to approximately {$10000.00}. 

I am a XXXX American Male and I feel Discover 's action as basic XXXX!!! I am asking you to contact Discover Card and ask them to justify the action of closing my account. The closing of my account will be detrimental to my credit rating, because it will lower my available credit, which will hurt my credit rating. 

My name is XXXX XXXX XXXX and my Discover Card # is XXXX XXXX XXXX XXXX. 

I requesting that you contact Discover card and ask them to justify its action concerning closing my credit card account. It is disgusting that Discover is closing my account when Covid is killing XXXX Americans at a record rate. It Covid doesn't kill us off then credit card companies like Discover will help finish us off! 

Furthermore, please advise what legal actions I can do against Discover Card due to its outrageous action. I also, wish to know if Congress ' Covid Relief Bill restricted how credit card companies can close accounts without cause during Covid? 

Thank you for your forthcoming consideration of my requests stated above. 

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

XXXX XXXX XXXX  {$1100.00} And XXXX XXXX, Experian XXXX According to 15 U.S.C 1692C ; you have violated my right by in lawful communications. Please remove this collection off of my credit report
Product: Debt collection

Repeated calls before XXXX and after XXXX after I asked to not be contacted.
Product: Credit reporting or other personal consumer reports

This violation of 15 US Code 1681i ( 5 ) ( B ) ( i ) ( iii ). This item was initially deleted for inaccuracy and then you reinserted it back into my credit report without notifying me in writing within 5 days afterward. I demand you delete this account immediately. 


Account : 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

I have wrote Equifax several times about the Chapter XXXX Bankruptcy on my credit report. Requesting for them to provide me with proper documentation bearing my signature. I ask for validation. After, numerous attempts along with writing the CEO of Equifax, Equifax removed the Bankruptcy off my credit report. Now, after the Hacking of Equifax system I discovered that the item has been reinserted on my credit report. In accordance with the requirements of the section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This should serve as a written notice to Innovis that I XXXX XXXX wish to put a security freeze on any information on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had an auto loan that was paid off, I turned it in to purchase another car in XXXX and the dealership said the vehicle was repossessed and obviously not because it was with me to use as a down payment for a new vehicle. It stated profit and loss write off and a balance still on. I have called GM financial to fix that. They continue to not repair. I have notified XXXX XXXX and nothing is being done. As I stated, XXXX XXXX bought my car and I used that as a down payment for my XXXX XXXXXXXX. It needs to show that it was NOT a write off or profit and loss. It was paid off by me and purchased by XXXX XXXX in XXXX