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

In accordance with the Fair Credit Reporting act. The Truth in Lending Act is intended to inform consumers about the cost of credit act. The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the XXXX XXXX XXXX is in the debt collection business or that the communication relates to the collection of a debt. 
Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Personal Information Employers : XXXX  Previous Address ( es ) : XXXX XXXX XXXX, XXXX XXXX XX/XX/2024 Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2024 Previous Address ( es ) XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Asked for debt validation and proof for them to purchase the alleged debt owed. Also disputed it via XXXX for multiple inaccuracies and it keeps coming back valid.
Product: Checking or savings account

On XX/XX/2024, I received an email thanking me for signing up for a Chime account. I did not sign up for this account. I contacted the company and had the account canceled. I asked them to give me more information about opening the account but received no answer.
Product: Debt collection

I was sued last year with lies on the dates Superior Court of California XXXX XXXX XXXX XXXX XXXX XXXX division. Case # XXXX, we ended up setting trial dates and a week before trial they dismissed case. 
The date of last payment was on XX/XX/XXXX of XXXX, they keep on saying that it made a payment in XXXX so the status of limitations would not be applied. 
Now they are using the date of XXXX for the collection when the correct date should be XXXX also this collection appeared as the original creditor with correct info.Law states that you cant have one collection twice so I need them to remove this from my credit report for 2 reason the incorrect dates and also it was already on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Product: Mortgage

We recently received a certified letter from our mortgage holder Ocwen Loan Servicing stating that my mortgage is in default due to a missed payment. Moreover, due to this phantom missed payment, they have been charging me for the certified letters and also adding in fees marked " other '' on a monthly basis ; I do n't not have any idea why or what these fees are. I have every statement available starting from XXXX 2013 ( this is as far back as Ocwen 's payment system goes ) and have not missed one payment. In fact, I am generally a couple of weeks early with my payment and always send extra. We sent a letter with all of our statements to Ocwen stating that we have not missed a payment and to please correct their error. They continued with their stance that we are a payment behind but can not show us proof of a missed payment. I called and spoke to them over the phone to find out when exactly did I miss a payment and their response was " I do n't know, you tell me ''. Based on what I can see, somehow they made a mistake and are posting my payments that are a couple of weeks early to the previous month and saying it is a couple of weeks late. Complicating the matter is that they do not provide any statements or payment books. I 've wasted countless hours on the phone with them and they have repeatedly told me to disregard the certified letter, yet my account is being listed in default. I 've read numerous complaints online about this mortgage company and truly feel like they are trying to take advantage of me and lots of other people for that matter. It 's " XXXX vs. XXXX '' and without help, I am going to be forced to make an extra payment that does not exist because I ca n't fight a mortgage giant on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes on Experian regarding my XXXX XXXX Mortgage account showing a balance of {$220000.00} which was last reported XX/XX/XXXX, I have also contacted XXXX XXXX and they confirmed my balance was XXXX ( house was sold XX/XX/XXXX ) Experian keeps telling me that XXXX XXXX is reporting and that it is correct, which in fact it is not, I have sent Experian copies of my statement showing a XXXX balance as of XX/XX/XXXX and earlier yet no action is being taken to correct the balance. This has been going on for nearly XXXX years and the other XXXX reporting agencies ( XXXX and XXXX ) show it as XXXX paid in full. I don't understand why Experian won't correct it.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I was walking out of the XXXX  building and XXXX kids approached me asking to donate to their XXXX  team. One kid took my phone and sent himself {$1000.00}. the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States The amount that was taken out was {$1000.00} I have reached out to XXXX  filing an unauthorized charge immediately after. I am waiting to hear back.
Product: Vehicle loan or lease

Mitsubishi Motor Credit of America posted my final payment to the wrong account and has not fixed it. It has been months. My account has been paid in full since XX/XX/2021. 

They arent taking notes correctly on their representative line. And they keep reporting that there was NSF but I was have record that my checking account was charged. And they are very rude. 

Please help me with this. They say they will investigate and call me back and they havent for months.
Product: Credit reporting or other personal consumer reports

Noncompliance to Freeze According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) gives consumers the right to place security freezes on their credit reports : Early Warning Services , LLC, a consumer reporting agency jointly owned by XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX, refused my lawful request to place a security freeze on my consumer report. As parent companies, these banks are responsible for ensuring EWS complies with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Their failure to properly supervise EWS resulted in a violation of my rights under the below laws. I am seeking statutory damages, corrective action, and full compliance with federal law. They did not comply with my emailed request to freeze my account. They however replied with the attached pdf. 

According to Fair Credit Reporting Act ( FCRA ) Violations- Right to Security Freeze ( 15 U.S.C. 1681c-1 ( i ) ) o The FCRA gives consumers the right to place a security freeze on their credit reports to prevent unauthorized access. Failure to Provide Accurate Consumer Rights Information ( 15 U.S.C. 1681g )
- Early Warning Services LLC has provided misleading information. Consumer reporting agencies must provide accurate disclosures about your rights.

According to Gramm-Leach-Bliley Act ( GLBA ) Violations ( 15 U.S.C. 6801-6809 ) Early Warning Services is refusing to protect my private data Unfair or Deceptive Practices ( FTC Act - 15 U.S.C. 45 ) The Federal Trade Commission ( FTC ) prohibits unfair and deceptive practices.
Product: Student loan

I never applied for a XXXX  loan, yet I checked my balance and it built up to XXXX I need this to be forgiven as it was a glitch in the system
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus have not helped me with removing them. I reached out to all 3 of the credit bureaus to have these items blocked/removed but they have only received my request to block these said fraud accounts, through the 605 ( b ) laws, as i've sent in a cover letter, ftc report, list of fraud item, and proof of identity. I've sent the necessary documents over and over. But these bureaus continues to tell me over the phone that they are still working on their investigation and its been several months since they've received notice. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to take to remove the identified identity theft items off of a consumers report, that is LAW! 605 ( b ) FCRA, so why are these items still on my report? Because these bureaus are willfully and knowingly being negligent of identity fraud. This has to stop! I AM PREPARED TO SUE.
Product: Student loan

My credit score dropped from XXXX to XXXX due to three Navient reportsthat say I owe {$45000.00}, {$38000.00} and XXXX. These loans belong to my children and are being paid. Why did I lose 100 points on my credit score?
Product: Mortgage

After providing notice of intent to refinance with another institution, BBVA Compass Bank provided notice of their intent to charge my escrow account to purchase their homeowners insurance. My homeowners policy premium was paid by BBVA Compass and the policy has never been out of force. Basically, they are trying to steal my escrow funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX, XXXX XXXX XXXX )
Product: Credit card or prepaid card

For over year I been writing letters to capital one about someone else using my card. Thru private investigation I found who it was. I did not press criminal charges. But, the person has to fix her damaged with that being said.. I have sent all the info needed and my credit report is still showing charges on one of my cards. The charges are not mine. I paid this card off on XX/XX/2018
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX has purchased a debt that does not belong to me from XXXX XXXX   XXXX XXXX.I have already notified XXXX XXXX XXXX XXXX that this account does not belong to me. In addition, I asked XXXX  to provide me with the original contract and full accounting for the amount claimed to be owed. However, XXXX informed me that the requested documents do not exist and that the account has been sold to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A Victoria SecreXXXX Credit Card was reported stolen by perpetrator. This person called into Victoria 's Secret CC ( Comenity Bank ), changed my address, & email & had a card reissued to the address they provided once the card was physically received, they made purchases in person at Victoria 's Secret and their affiliate store, XXXX XXXX XXXX XXXX. According to VS FRAUD Dept, they were able to verify my DOB & last 4 of social in order to commit these fraudulent transactions. 

These transactions amounted to {$1600.00} ; they are 3 different transactions in the month of XX/XX/2023. I have opened a case today with Victoria 's Secret CC bank, Comenity ( no case # has been assigned yet ) & a police report with XXXX Police Department.
Product: Mortgage

So my loan was sold to PHH Mortgage. I am trying desperately to pay it. I called the number and waited for 40+ minutes. Now I am told that my loan is not set up so I can not get to it nor pay it. I was routed to someone in XXXX - I'm sorry wasn't it the US government that said that consumer credit is part of National Security? Not happy with my information being shared half way around the world. Gentleman,  condescending as he could be, told me not to worry, that there would be no late fee for 60 days. I asked for that in writing sent to my email - no can do. He also stated that a letter was sent from PHH Mortgage  on XX/XX/XXXX - never received. Nor did XXXX XXXX send me a notification. So I have a loan number but no account - ha! Please fix the banking system so there is some common sense and not just hands reaching into pockets for cash.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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

I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

XXXX, Transunion & XXXX : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act this creditor Capital one- XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 Section 602 States that I have the right to privacy. Under 15 U.S. Code 1681 Section 604 ( A ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666 ( B ) a creditor may not treat a payment on a credit card account under and open consumer credit plan as late for any purpose. 


I am reporting this on behalf of being an authorized user on the account, I have received permission to submit this complaint by the account holder
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from " Marcus by Goldman Sachs '' saying that they had run a credit report to determine loan eligibility. I'd never given them permission to do that. It's infuriating that they would do this illegally without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account since XX/XX/XXXX and I have been asking for verification documents to show that this account does in fact belong to me and they have not responded in writing with any information. When I contact these companies by phone they are not even able to locate my account with my name, social, and address.

Exeter claims that they responded to my validation request on XX/XX/XXXX and XX/XX/XXXX but I never received any contract or validation documents from them. I would greatly appreciate these documents being uploaded to this site for The CFPB and myself to see. 
I would also like to request a payment history. There is different payment history being reported between the three credit reporting agencies that are changing the statute of limitation of this account and re-aging the account which is against the law. This alone is reason enough to delete this account from my credit.
Product: Prepaid card

After receiving my card, I followed the instructions to create a username and password. However, during the card number verification step, the website repeatedly showed errors, preventing me from completing the registration process. As a result, I do not have access to a login ID or password. Despite reporting these issues, the company has not provided any assistance. 

Customer service suggested using the card at an ATM or in person instead of resolving the login issue. I have provided all necessary verification but still can not regain access to my locked account. 

I would prefer to transfer the funds to my bank account or receive a check to avoid having my money tied to Money Network. In the future, I will opt to receive funds via check to avoid the unnecessary stress of dealing with Money Network 's inadequate support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file an FTC Report XXXX # XXXX ) last XX/XX/2021. I am a victim of " Identity Theft ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; US SM BUS ADMIN XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They checked my XXXX credit report Without my Authorization.
Product: Credit reporting or other personal consumer reports

In reviewing my credit report i noticed there is a loan opened. I did not open this loan and i provided copies of police reports to Upstart.
Product: Debt collection

Source Receivables Management is attempting to extort me for payment of an alleged debt that I do not owe them. I have no contract with them and I do not agree for any of my information to be shared with them. I mailed a cease and desist to them XXXX XXXX  mail today XXXX which is the same notice attached below.
Product: Payday loan, title loan, or personal loan

Tried making payments and something happened that they didnt take anymore payments. Now almost 8yrs later they calling me after i had my credit cleaned up and brought a home. They called me like the were the county of XXXX and had something for me it was really a collection company and gave wrong SS # first.