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

I sent letters to each credit bureau ( XXXX, Equifax and XXXX ) on XX/XX/2023 regarding some inaccurate information reporting on my credit report. They are all reporting different information on the same accounts. None of the bureaus have responded and it is well passed the 45 day response period.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an ongoing issue with a bill that was not properly investigated. Experian did not put the time into validating the bill itself that XXXX is trying to collect. The bill comes from XXXX XXXX XXXX XXXX XXXX parent company ( XXXX XXXX ) which seems to have a disconnect from the complex itself. I was told onsite that I was paid in full and good to go as the email screenshot attached shows. They were very thorough that I would not owe any additional charges. The lease end date is shown in the 60 day notice attached ending XX/XX/XXXX. The parent company and XXXX did not provide an explanation the bill, but later found out they are attempting to charge me through XX/XX/XXXX a week after my end date as a " standard preparation week '' for the next tenant. This apartment was rented long before my updated lease end and there is nothing written anywhere showing that I have to pay rent an additional week after the end of my lease. I explained this to Experian, but they didn't take the time to look into it and are just assuming the bill itself is proof when that is where the error is. I also have a complaint open about XXXX as they do not have any explaination of what they are trying to collect. Experian said they would call me if there were any issues but denied my dispute without proper evaluation. I've never missed a bill in my life and had a credit score of over XXXX and is not destroyed by a bill that was invalid from the beginning. The parent company is completely unreasonable and has no knowledge of the apartment process onsite. I also asked them to provide me something showing why I owe an extra week of rent after my last day and no one has provided anything other than the same original erroneous bill. There was also absolutely no damage to the apartment. The manager and assistant manager no longer work at the apartment complex.
Product: Mortgage

Bank of America failed to properly answer to my complaint filed on XX/XX/XXXX, somehow you or them marked my new complaint dated XX/XX/XXXX as, ( duplicate of the complaint before this one ). But it is not a duplicate it is a new complaint based on their failure to properly address every issue of my complaint. 1- I asked for the information about the XXXX trust that they stated is the lender/creditor of this alleged mortgage loan. 2- They did not prove that they have, or had had any rights to collect payments from this alleged loan. 3- they did not provide a true payment history of all the monies that they collected from me. neither showed any electronic transfer of payments made to the alleged trust. 4- They only sent an audit history full of discrepancies and unapplied payments. They also had the audacity to send fabricated copies of the trust deed and promissory note with computer, robo signing. 5- They failed to disclose who is the pretender custodian of the documents of this alleged loan. 6- they failed to disclose the name and address of the pretended trustee. 7- They failed to disclose where the alleged balloon payment due at the alleged maturity date of such alleged loan came from. The truth is that this bankster never owned the alleged loan, this loan was satisfied/discharged. The truth also is that neither the originator XXXX XXXX XXXX nor the predator XXXX were the lenders of this alleged loan. This alleged loan was funded by the sell of my signature to the multiple investors of the trust XXXX  XXXX. This trust was closed on XX/XX/XXXX and dissolved on XX/XX/XXXX according to the records on the Security & Exchange Commission. This is not a duplicate, Thanks.
Product: Credit card

Thursday XX/XX/XXXX, the company took the payment. After waiting for almost 2-3 months, I never received my service nor help from the institution therefore I thought paying upfront would change things. After trying to contact them, I haven't gotten any assistance. The whole thing felt like a scam so I decided it would be best to dispute the institution and apply somewhere else. Once I got the confirmation about the dispute going through, I then went ahead and applied to a different institution. This then effected my credit score from XXXX 's to XXXX 's. A month later, l all of a sudden now received a chargeback into my account. Ruining my credit score 2x than what it already did
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am writing to file a formal complaint against XXXX XXXX, a creditor, for inaccurate reporting of negative information to the credit reporting agencies. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. I request your assistance in investigating this matter and ensuring the accurate reporting of my credit information. 

XXXX XXXX has reported a late payment on my credit report for the date mentioned above, which I dispute as inaccurate. I have attached supporting documents, including payment receipts and account statements, which demonstrate that the payment in question was made on time. Despite my efforts to rectify this error with XXXX XXXX, they have not corrected their reporting to reflect the accurate payment history. 

Laws and Statutes Violated : 1. **Fair Credit Reporting Act ( FCRA ) : ** XXXX XXXX 's inaccurate reporting violates the FCRA XXXX which requires creditors to furnish accurate and complete information to credit reporting agencies ( 15 U.S.C . 1681s-2 ).

2. **FCRA Section 611 : ** This section grants consumers the right to dispute inaccurate information on their credit reports and requires credit reporting agencies to conduct a reasonable investigation ( 15 U.S.C. 1681i ).

3. **FCRA Section 623 : ** This section mandates the maximum possible accuracy of consumer reports and imposes obligations on data furnishers to provide accurate information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

4. **FCRA Section 616 : ** This section outlines the responsibilities of furnishers of information to correct inaccuracies in their reports ( 15 U.S.C . 1681n ).
Product: Credit card

Home Depot Credit Services enjoined with Citi Cards closed 1 day after a purchase date and required that I pay a late fee plus a total of {$210.00} in interest charge. I immediately contacted my Home depot credit and entered the corrected balance payment, but as Home Depot Credit services excepted belated acknowledgement. The Citi Card section of their services refused to accept my compliance as term required as they interpreted. On XXXX XX/XX/year> Citi embarked a notice of payment, which I received on XX/XX/year>. Then on XX/XX/year> XXXX XXXX sent me a notice letter, I received on XX/XX/year> asking to or for me to submit to a phone contact. I am sure I am correct under XXXX XXXX ( XXXX ) and XXXX. XXXX ( XXXX ) as granted @ XXXX c ( XXXX ). Respectfully XXXX XXXX XXXX
Product: Credit card or prepaid card

I 've opened the account/card with the 0 % interest and no annual fee as long as I 'm serving on XXXX XXXX. Now I 'm told I 'll need to pay the {$1000.00} annual fee. This feels like a bait and switch. This will cost me transfer fees to get the balance moved and the card closed.
Product: Mortgage

Caliber Mortgage reported my payment late for 2 months. 
My payment was short by a small amount due to an increase in property taxes. Caliber accepted the entire payment rather than rejecting it. My taxes are not due for another 6 months. This should not be reported as a 30 day late payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX - NEVER LATE XXXX Paid, Closed. 
XX/XX/ XX/XX/XXXX - NEVER LATE XXXX Transferred, closed. 
XX/XX/ < -- -- ALL accounts NEVER LATE. FCRA Violation. How is this late? I've always paid on time. Why was I never notified if I was late? Should I sue? 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX, XX/XX/XXXXXXXX < -- ADDRESSES Listed are NOT MINE. FCRA Violation. NOT reporting my data in my report accurately also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Outsource Receivables is reporting accounts on my credit file I need removed. I recently took a look at my credit and noticed some accounts were reporting. I have paid these accounts and ask that outsource remove them from my credit file. These accounts have been satisfied however, outsource continues to affect my credit. I know that outsource can report to the bureaus as they deem fit so I'm aware they can remove the collection accounts from my file.
Product: Vehicle loan or lease

XXXX of 2017 the following companys released loans to someone using my identity and social security number with out my consent XXXX XXXX XXXX vehicle lease or loan XXXX XXXX a vehicle lease or loan XXXX XXXX A vehicle lease or XXXX XXXX XXXX savings and loan a vehicle lease or loan I do not have any of these merchandises and this is on my credit reporting as having recieved. Effecting my credit.
Product: Credit reporting

On XX/XX/XXXX the state of XXXX filed a tax lien against me. This lien has been reflecting on my XXXX and Transunion credit reports for the past several years. 

I am an XXXX, between XX/XX/XXXX and XX/XX/XXXX I was XXXX in XXXX. During that time I had moved to XXXX different residences due to work. I did not receive notice of delinquent taxes during my XXXX in that state. Nor did I receive notification of delinquent taxes after moving to XXXX on XXXX in XX/XX/XXXX. 

At this point I do not have tax documentation from XX/XX/XXXX through XX/XX/XXXX and will gladly pay the debt to satisfy the issue as it is unnecessarily damaging my credit. 

I never received proper notification of the debt, and am writing to kindly request the tax lien be withdrawn, and I be allowed the opportunity to pay the debt. In addition I ask that XXXX, and Transunion remove that negative information from my credit report. 

I have contacted the XXXX State Department of Assessments & Taxation in an attempt to remedy the issue however was not successful. 

Tax lien information : Case/Docket # XXXX Court : Circuit Court for XXXX County Court Address : XXXX Thank you in advance for any support you can provide.
Product: Checking or savings account

I deposited fraud ATM withdrawals that wasn't me and citi bank closed my account and only sent me a XXXX check. their were almost XXXX. In charges on my account that wasn't sent back to me. I tired to contact the bank but they state there is nothing they can do with the money snice my account is closed. I'm requesting a check be mailed out for the rest of the money that i disputed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AX ( 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, credit repair services, or other personal consumer reports

I spoke with mark at Experian on XX/XX/2022 about the late payment that appears on my credit report I request the following late payment to be deleted off my Experian credit report with a updated credit report mailed to me : XXXX XXXX XXXX  '' late payment amount of {$17.00}
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported in one Bureau, Transunion.
Product: Credit card or prepaid card

On XX/XX/2021, someone managed to 'hack ' my credit card with Barclays XXXX account ending in XXXX. At the time, Barclay 's customer service reached out to me to report fraudulent activity at XXXX XXXX, around {$200.00}. The service representative then asked me to go over recent charges with me to see if any other fraudulent activity could be identified. We noted two charges, one at XXXX  XXXX for {$250.00} and one at XXXX XXXX # XXXX for {$210.00}. I was told that these charges would be removed, as they had occurred around the same time as the XXXX XXXX charge. 

On XX/XX/2021, Barclay card sent me a letter to let me know that they believed the activity for XXXX XXXX # XXXX for {$210.00} was valid, and they had chosen to place this charge back on my account. Although I did not receive a letter for it, they also chose to add the charge from XXXX  XXXX of {$250.00} back to my account. Neither of these charges were valid. I cancelled the card due to this, as I felt that I could no longer trust the company ( and my credit line was {$14000.00} ). During this cancellation call, customer service told me that a manager would call me back to discuss options. I have never received a call. 

I have tried to file a dispute online for these charges, but since my credit card is cancelled, and I no longer know the number for the one that was stolen ( as I was advised to shred it on XX/XX/2021, and another one was shipped, ) I can not file a dispute via the website. 

I also can not attach a cardholder agreement, as the website will not provide it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them XXXX XXXX XXXX Last reported : XX/XX/2018 {$1600.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention FIRST FED CREDIT CONTROL Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.
Product: Credit card or prepaid card

My card was lost and used in XXXX at an ATM. I reported the card lost the next day when I realized it. I have had trouble getting help with this issue, mostly because their fraud operations are offshore and poorly trained. 

I now see that they have reversed the temporary credit stating that the funds were dispersed at the ATM. I NEVER received them ... whomever found my card must have been observing me unlock my cell phone and figured out my PIN # .. 

Please have someone that has authority and common sense help me with this issue. 

XXXX fraud dept STOPPED any charges from going through, a shame Citi is n't as  proactive.
Product: Mortgage

XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a XXXX Corporation ( " Assignor '' ) is attempting to transfer an assignment of deed of trust to XXXX XXXX XXXX, XXXX as trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates, XXXX XXXX ( " Assignee '' ) on XXXX XXXX, XXXX. XXXX XXXX retroactively attached our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a XXXX law that prohibits fraudulent real estate filings. This assignment of deed of trust was signed by a known robo-signer XXXX XXXX. Declaration from President of XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a California Company from XX/XX/XXXX that XXXX XXXX XXXX is no longer engaged in the servicing of residential mortgage loans. XXXX XXXX has no servicing rights and does not own any residential real estate mortgages. Affidavit from XXXX XXXX, XXXX XXXX District Registry of Deeds, states that XXXX XXXX, person who signed the Assignment of Deed of Trust, is listed on XXXX XXXX XXXX Approved Robo-signers list. Our Chain of Title has been corrupted. OOMLT XXXX was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. 
Any attempt to assign the subject loan to the trust after the cut-off date would be in direct contravention of the laws governing the Trust ( PSA ) and thus rendering the fraudulent assignment of deed of trust filed on XX/XX/XXXX in the XXXX County Land Records office void. Ocwen is still engaging in illegal behavior. The assignment of deed of trust is attempting to sell, assign, transfer and convey unto Assignee that certain Deed of Trust executed by XXXX XXXX XXXX and XXXX XXXX XXXX, dated XX/XX/XXXX and recorded by File No. XXXX, of the Official Public Records of Real Property of XXXX County, Texas, encumbering the real property described as follows : Lot XXXX XXXX XXXX, a subdivision in XXXX XXXX, XXXX, According to the Map or Plat of Record in cabinet XXXX, Plat records of XXXX County, XXXX ( Property ) Street Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This assignment of deed of trust is recorded by File No. XXXX, of the Official Public Records of Real Property of XXXX County, XXXX. This illegal behavior by Ocwen Loan Servicing , LLC has created a cloud on title to real property under Texas state law.
Product: Payday loan, title loan, personal loan, or advance loan

Ivy Funding Six LLC dba as XXXX, XXXX XXXX loan stores/line and in person in Texas, also Ivy funding XXXX XXXX between XXXX XXXX  and signature loans is charging huge I terest. Also. XXXX, TEXAS XXXX repossession cars in XXXX very aggressively, selling them on XXXXXXXX XXXX  auctions often to XXXX XXXX  Buyers whom cross XXXX XXXX to buy Cars. XXXX XXXX XXXX, Texas stores have ask consumers to help them obtain illegal State Texas Inspection stickers and XXXX employees often buy cars after re pod from consumers. XXXX own buy Ivy Funding or Ivy Financial XXXX XXXX XXXXXXXX funding XXXX XXXX XXXX XXXX  XXXX Offices in Georgia and Agent in Ohio
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i wrote letters to XXXX , XXXX , and Transunion regarding fraudulent accounts that was opened in my name. I filed a report with the FTC and sent each of them a copy of the report with the accounts in mention and its been more than 45 days and they still haven't removed this identity theft accounts from my report can you please have them remove these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Here is a draft formal complaint to the CFPB requesting FTC involvement against XXXX XXXXXXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear to whom it may concern, I am writing to formally complain about unlawful practices by XXXX XXXX and request immediate investigation and action from the CFPB and FTC. 

I filed an identity theft report with the FTC detailing fraudulent activity on my XXXX XXXX credit card account. Despite having notice of this activity, XXXX XXXX continued illegal collection efforts for the fraudulent charges and refused to remove the associated tradeline from my credit report. 

I am going to file a civil lawsuit against XXXX XXXX outlining violations of 18 U.S.C. 3571, 153, 372, 1001, 1005, 1962, 648, 712 and 15 U.S.C. 1681d, 1681n. See attached Supreme Court of Connecticut Docket No. XXXX. XXXX XXXX was invoiced for {$10000.00} in damages but has failed to cease unlawful conduct. See attached invoice and affidavit of truth. 

XXXX XXXX is knowingly violating fair credit and debt collection laws. I request the CFPB immediately open an investigation into XXXX XXXX regarding this complaint. I also request the FTC join the investigation and enforce the identity theft report I previously submitted. XXXX XXXX must be held accountable for its blatant disregard of consumer protection laws. The company continues harming my credit and financial position. 

Please contact me immediately to discuss this urgent matter. XXXX XXXX must face consequences for its predatory practices. I look forward to the CFPB and FTC taking swift action on this complaint. 

Thank you for your attention to this serious issue. 

Regards, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX XXXX XXXX RIGHTS RESERVED Without recourse