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

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payments on XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file by the credit reporting agencies XXXX, XXXX, and Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time. 
Nature of the Complaint Inaccurate Reporting : The late payments for XXXX, XXXX, and XX/XX/2024 on Equifax and for XXXX, XXXX, and XX/XX/2024 on XXXX and XXXX are inaccurate. 
My records clearly show that I was enrolled in autopay, ensuring timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments violates my rights under 15 USC 1666 ( b ) as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The false reporting of these late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account status.

Truth in Lending Act ( TILA ) : These reporting practices are in violation of the TILA, which requires accurate reporting of credit obligations. 
Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandate that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of consumer files. Articles 15 USC 1681n and 15 USC 1681o further outline civil liability for willful and negligent noncompliance with these provisions. 
Summary of Account Details and Errors The XXXX account shows consistent discrepancies across all three credit bureaus. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/2024 as 30, 60, and 90 days late. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/2024 as 30, 60, and 90 days late. 
Equifax : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/2024 as 30, 60, and 90 days late. 
These errors directly contradict my payment history and enrollment in autopay. 
Requested Resolution I request that the inaccurate late payments be removed from my credit report with XXXX, XXXX, and Equifax. These entries do not reflect my true payment history, as my account was enrolled in autopay. I expect a thorough investigation and the correction of these errors within 30 days of receiving this complaint, as required by law. 
Please confirm in writing the removal of these entries. Failure to resolve this issue may lead to further action to protect my rights under the FCRA, FDCPA, and TILA. 
Attachments Copy of my Government-Issued ID Copy of my Social Security Card Proof of Current Address Copy of my Credit Report showing the disputed errors Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Original creditor XXXX sold debt to collection agency meaning they wrote off the debt on their taxes which wrote off my obligation to pay. 
Contract was cancelled. NO CONTRACT
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over 20 finance companies that has posted inquiries on my credit. I have no dealings with any company except XXXX XXXX XXXX  XXXX XX/XX/XXXX for a car loan. Ive reached out to the companies that posted the inquiry, they stated that since I do not have anything with them there is nothing they can do. Reached out to Transunion they stated theres nothing they can do to reach out to yall. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Product: Mortgage

I have a FHA insured mortgage. XXXX was the loan originator for my home loan. BANK OF AMERICA became the servicer. In XX/XX/XXXX I requested a loan modification thru BOA, on behalf of a conselling reguest from 'XXXX and XXXX '. The forms were submitted and I alsoprovided sworn affidavits to the need. My income sourec is XXXX due to my XXXX. My XXXX was present since XX/XX/XXXX and the originators created and approved my loan based on my XXXX income. BOA serviced my loan with the knowledge as well. My income is indigent and my expenses with cost of living exceed the unearned SSA. I requested the modification based on that. BOA is refusing to follow FHA/HUD guidelines. MYy credit reflects poorly as a result. they have failed to apply the payments in the proper sequence according to FHA secretary rules where escrow, insurance and taxes are paid. my credit reports absent payments which is not true. I have been consistent with monthly payments. My credit should report and state partial payments made monthly. The BOA agentsd have also failed to take in consideration the ratio determination to my income vs expense which is also an FHA rule. IL laws also protect the homeowner with rules and BOA is failing to abide by the terms. BOA is also counting foodstamps as gross income. when it is NOT. BOA has inflated my gross income by {$400.00}. to suit their need. And I have objected since I DO NIOT HAVE ANOTHER SOURCE OFINCOME. nor do I receive tax or any other maintenance. My food stamp amount is {$140.00}. and is based on my housing expense. The grossed up inflated income then mis calculates the monthly payment that I can afford. the FHA ratio for special circumstatnces of mortgage allows 31 % of gross income to be calculated for the mortgage payment. BOA is measuring my gross and payment with inflated terms and methods which cause an improper amount to be listed in a calculation and of course unaffordable to me. I have been trying to seek resolution for this matter for XXXX months. I ca n't be dis honest. BOA spends more money on overnight XXXX postage to me then the inflated true amount which could have served to resolve my crisis. I need this investigated. BOA has been sued due to illegal loan practices in XXXX IL for discrimination. I know I am a victim. My civil and human rights are threatened and this is causing me un necessary trauma. I am XXXX XXXX XXXX. I can not contemplate moving with bad ruined credit and inability to afford when BOA is violating my life and home.
Product: Checking or savings account

On XX/XX/XXXX, I was the victim of a wire fraud/scammer with a gentleman impersonating an bank of america employee . He knew my account numbers and personal information and was able to scam me out of {$9300.00} of a wire transfer to his XXXX XXXX account. 
Bank of America was SLOW to act, and by the time they filed a claim with XXXX XXXX 4 days later the funds had been removed, and he stole {$93000.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXXXXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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 reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted CNAC about a vehicle loan with them. I had informed my account manager that I would be voluntarily surrendering the vehicle back to them, because I was unable to pay for the vehicle any longer. She took information down about when I would return it and other issues with the vehicle. I received an email from credit karma that a hard inquiry had hit my account, upon logging in and reviewing, I noticed that CNAC had ran my credit without my permission or knowledge.
Product: Debt collection

Today XX/XX/XXXX at XXXX XXXX  I found out they are trying to collect {$90.00} dollars from a bill that dates back to XXXX and they know it but still harass me. I asked them to stop calling and that 9 years have passed the agent tried to collect while I was on the phone again. So, I told him that I will contact you and hung up. They've been harassing me since XXXX by phone calls and posting the {$90.00} dollar on the XXXX XXXX application I don't know how they are doing that. This is an old bill that is passed the 7 year mark. I want them to take it off the app and stop harassing me. The name of the bill collectors is CBE Group their number is XXXX. These folks are tricksters no ethics they need to be closed down. These agents are probably doing this to all customers that have XXXX  XXXX  names, thinking that they don't understand English and their rights as a consumer. How many people are they harassing?????? I want them to take it off my credit report! Also to stop calling me, and to stop posting it on the XXXX XXXX app that I use for my medical services.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : BK OF AMER XXXX I dont have any knowledge of this account. Please have this removed immediately.
Product: Credit reporting or other personal consumer reports

The on-going denial of my identity theft claim has caused me prolonged suffering and turmoil. I have been wronged, and my life has been marred by the consequences of unauthorized accounts and transactions that have taken a severe toll on both my financial stability and emotional well-being. I insist that you promptly acknowledge the legitimacy of my identity theft claim and initiate a comprehensive investigation without further delay. The gravity of this situation can not be overstated, and your bureau 's responsibility in this matter is undeniable. 

XXXX OF XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad accounts and inquiries appearing on credit report.
Product: Credit reporting or other personal consumer reports

This address XXXX XXXX XXXX XXXX NY XXXX is a fraudulent address that I don't have knowledge of and needs to be removed off my credit report immediately
Product: Mortgage

In XXXX, as WaMu was being taken over by J.P. Morgan Chase, I was entered into a Trial Modification. Though we did not yet know what this was at the time, I was also " Dual-Tracked '' into Foreclosure. 

I was not given credit for my 18 months of Trial Payments that I made, or two full mortgage Payments paid prior to that Modification. I was forced to litigate against J.P. Morgan Chase, my lawyers and I protecting my Property from many Trustee 's Sales and aggressive actions to force me from my home. 

My loan, acquired by Chase when it took over all of WaMu 's assets, was on a property in a prime XXXX, CA zip code, a home that I had owned since XX/XX/XXXX. My loan was not a Sub-Prime loan. In fact, WaMu had held on to my loan as a positive asset, not bundling it and not selling it as a collateralizing and compromised asset. J.P. Morgan Chase now held that asset with no investors or lenders to answer to. 

After 4 years of litigating the matter, and after the Attorney Generals ' XXXX Dollar settlements with Chase and other lenders over Mortgage and Modification abuses, Chase finally made a corrective Permanent Modification of my loan. That 's the good news. 

The bad news and what I need your help with is that Chase added a {$230000.00} Deferred Principal Debt on the back end of my Principal Interest Bearing Loan. 

I challenged the additional debt that turned a {$620000.00} mortgage into an {$810000.00} debt, but was threatened once again with the imminent and still pending Foreclosure and Trustee 's Sale of my home. 

That was while the mortgage was once again being modified. Chase Collections was separately adding this additional burden, while threatening that were I not to accept it, I would lose my home. 

It was my understanding that this was not allowed, per the Settlements and Government Guidelines. I asked Chase to provide a breakdown of how it arrived at the {$230000.00} figure and it never provided a detailed accounting. 

Chase was essentially still punishing me financially for the very abuses that it and WaMu had prosecuted against me and my home. I honestly care not whether any of these abuses regarding my loan were international, but the results were nonetheless abusive. 

I have no issue with the Unpaid Principal Balance of {$540000.00} on the Loan. I need your help in removing the Deferred Principal Balance of {$230000.00}. 

That outrageous amount is only {$10000.00} shy of what I originally paid to purchase my home in XX/XX/XXXX. Chase once again took advantage of and abused even the good faith process of reparation that the Modification was meant to be.
Product: Debt collection

ally financial HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$51000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

Yesterday, XXXX  contacted me through email that I had a change to my credit report. I checked it. First Federal Credit Control reported on my credit report that I owe two bills for the amounts of {$120.00} and {$74.00}. The report says the original creditor was XXXX XXXX. 

I have never heard of the collection company or the original creditor on my report. I also was never notified by the collection company or the original creditor for a bill. I am disputing both amounts since these bills do not belong to me.
Product: Debt collection

I had some items on my credit report that they keep reporting on my account and changing the amount and dates and its hurting my credit score, I never done business with this company or have I ever opened and account with them, I keep disputing it with the credit bureaus but they wont remove it I show them everything that I never lived there and they still wont help or removed it the company that reporting it on my credit says I have to fill out paperwork and then I have to wait 180 days for it to be removed this a long time this is hurting me from getting my house and any credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my rights! 

I have disputed this account with Equifax several times and I am now ready to sue. 

Account XXXX XXXXXXXX XXXX I spoke with an XXXX XXXX agent and they agreed this account should no longer show on my credit report, but Equifax STILL shows it! 

Also : there are inaccuracies on this account that carry a {$1000.00} fine each! 

Last Verified Date -- None reported? Does NOT match XXXX or XXXX! 
Date of Last Activity -- Does NOT match XXXX or XXXX! 
closed Date - None reported? does NOT match XXXX or XXXX! 

Each error carries up to a {$1000.00} fine against Equifax in court. 

I demand in my legal right that this account be deleted from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ny XXXX {$3200.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Debt collection

I contacted the collection agency through certified mail XXXX to let them know that the XXXX account that theyre saying belongs to me is not mine and to show me proof why theyre saying it belonged to me. They replied by sending me a bill, so I sent another letter through certified mail in XXXX stating that wasnt proof and to remove that account from my credit report immediately and they never responded..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$1900.00}
Product: Checking or savings account

On Fri afternoon XX/XX/XXXX22 I received Webster bank checking account statement in mail to see a photostat of one of my checks rewritten payable to unknown person in new amount if {$6100.00}. Bank said come in Mon. 
Then I filed mail fraud reports with : 1 ) XXXX XXXX  case # XXXX XXXX ) XXXX XXXXCase # XXXX Monday XX/XX/XXXX I closed that check account at Webster and transferred balance to new account. Branch Manager XXXX XXXX. Filed fraud claim and asked for my money back. Was told they could see the money had been paid at a Bank XXXX XXXX. That this claim would be forwarded to XXXX to investigate. That it would take MINIMUM 120 days for investigation to start/complete and more time for refund. Meanwhile days later received XXXX postcard charging me {$37.00} fee each for 3 items they said paid with insufficient funds. Webster took out of old account on XX/XX/XXXX. Bank then told me I wouldnt get refund of these fees if at all til end of investigation on the check fraud.
Product: Credit card or prepaid card

An account was opened by me and approved by Citibank on XX/XX/2021. When i tried to use the card it was refused. When i tried to activate the card i was told my identity could not be verified despite the password, e mail address, and phone number used to open the account. I was told I would receive a letter to open the account. I did receive a letter stating i should call to activate my account. I called. I was told that was not the right letter that i had to wait. I asked to close the account. They refused, a supervisor refused, I never received another letter and they refuse to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX XXXX ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform the CFPB of the bad practices XXXX XXXX XXXX XXXX XXXX XXXX those companies have violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in 2021 on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX bank ( negative {$700.00} ) The company XXXX XXXX bank has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.