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

Hello! 
My name is XXXX XXXX XXXX and I used to live at this address shown here XXXX XXXX XXXX XXXX XXXX XXXX, M.D XXXX from XX/XX/XXXX - XX/XX/XXXX, finally I decide to move out after 20 long years my new XXXX address since XX/XX/XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. 
I have already try so many time to change or delete the old and wrong information from XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX today saturday, XX/XX/XXXX. I'm keeping trying to continue to do it without getting positive results ... 
I have nothing to do with Health care products ..I don't have or never had any physique health problem at all, never been under any Dr prescription..just my dentist long time ago and I only got XXXX Reason : this wrong information from my old address is really lock me out to all opportunity in odren to get a better or fix my score from all credit agencies report, is completely harmful. unfavorable, negative, beside is not true at all .apparently someone use my old address without my consent. 
Thank you so much and look forward to see if you can fix this mess Ms XXXX, XXXX   XXXX -- -- -> this is what they said and showing in my experian credit report agencies ... ... ... 
*the This address may be perceived as a high risk because it has pertained to a business, or was used as a mail drop or a delivery service : XXXX XXXX XXXX XXXX MD XXXX. 
HEALTH CARE PRODUCTS : XXXX XXXX XXXX XXXX XXXX, MD, XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$9800.00} BANKRUPTCY - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with ( 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 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 ( MONTHS REPORTING LATE ) 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, ) 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

These medical debt collections accounts are fraudulent and continue to be show on my credit reports over and over again after being removed XX/XX/2022. 

AVANTE ACCT # XXXX {$800.00} AVANTE ACCT # XXXX {$480.00} XXXX, XXXX and XXXX credit bureaus are selling my name, address and other confidential information to creditors and allowing them to validate and report false information to my credit reports over and over again. I hired an attorney to assist with getting negative, fraudulent debt in my name removed from my credit report only for the same information to be reported again months later by different vendors but same debt information that doesn't belong to me. I've reported it to all three credit bureaus to no avail. 

Example : Fraudulent Debt Showing on XXXX and XXXX XXXX XXXX XXXX XXXX amount {$480.00} removed XXXX XXXX after dispute however purchased by new company Avante XXXX amount {$480.00} and added back to credit report as XX/XX/2022 XXXX XXXX XXXX acct XXXX amount {$800.00} removed XX/XX/2022 after dispute however purchased by new company Avante XXXX amount {$800.00} and added back to credit report as XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

During covid outbreak I was unemployed and could not make my rent payment to XXXX XXXX, I was talked into staying and trying to catch up on rent, then I was put on President Trumps " No Eviction '' plan, then after it all was in fact evicted. Ive reported this to all 3 credit reporting companies and only 1 has taken down the unconstitutional collections that the XXXX XXXX  claims I owe, even though I had a legitimate reason that I could have broken my lease when I was not behind in rent but talked into staying, put on the program and then evicted against the Presidents wishes. I still have no real employment but manage to survive by way of free campgrounds and odd jobs because I can't get vaccinated because of XXXX and cold, and my main work was with the public. And now Experian won't even let me dispute this. Thank you.
Product: Debt collection

I have never did business with this company nor do I owe any debt in this amount
Product: Mortgage

XX/XX/XXXXXX/XX/XXXX : Mortgage company underpaid flood premium, failed to respond to underpayment notice, then took out supplemental policy without my knowledge XX/XX/XXXX : notified of escrow shortage and increasing escrow payments via escrow analysis XX/XX/XXXX : Called mortgage company and transferred to the insurance department, was told the policy was not for full coverage hence the supplemental policy, underpayment was not disclosed, but I was told that I should request a " review '' after my case was resolved, after multiple calls to insurer and mortgage company found the underpayment as root cause and paid the underage of {$440.00} out of pocket, after uploading updated flood policy with full coverage called mortgage company and asked that the supplemental policy be removed. I was assured that it was removed and requested a new escrow analysis. New escrow analysis did not reflect the changes. 

XX/XX/XXXXXX/XX/XXXX : again called mortgage company to find that the supplemental policy had not been removed. Spoke with insurance department who assured me that it would be removed, then referred me to escrow department to request escrow analysis. Escrow department then told me that changes were not reflected, they wanted to refer me back to insurance and were unable to give me any time frame or best course of action as to how to ensure the issue was resolved The issue remains unresolved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  inquires XXXX collection XXXX counsumer account XXXX inquires XXXX account Equifax Inquiries and Same accounts I've been XXXX since XXXX Inquiries and accounts are false.
Product: Debt collection

Credit card Ginnys was never late they have been paid in full and still keep calling asking to pu my bill that shows zero dollars owed and even shows on my credit report as zero owed and it says paid late 5 times which is a complete lie Ive never been late ever and since paid it off will never purchase from magazines again ever
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Personal Information under Metro 2 Compliance Dear Sir/Madam, I am writing to formally request the removal of inaccurate or outdated personal information from my credit report in accordance with Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ).

The personal information that I wish to be removed includes : 1. **Phone Numbers** : ( XXXX ) XXXX, ( XXXX ) XXXX & ANY OTHER PHONE NUMBER LISTED ( REMOVE FROM REPORT ) XXXX. **Addresses : ** : XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ( REMOVE FROM REPORT ) THE ONLY NUMBER THAT SHOULD BE REPORTING IS ( XXXX ) XXXX ( KEEP ON REPORT ) THE ONLY ADDRESSES THAT SHOULD BE ON MY REPORT ARE : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX, CA XXXX & XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ( KEEP ON REPORT ) ANY OTHER ADDRESSES THAT DONT MATCH THESE 3 ABOVE NEED TO BE REMOVED IMMEDIATELY, THEY ARE NOT MINE. 

As per Metro 2 guidelines, I request that you verify and update my credit report to ensure it only contains accurate and current information. Please send me written confirmation once these corrections have been made.

I have attached copies of the following documents to support my request : Government Issued ID, Copy of SSN Card, Paystub, Water Bill, & FTC Report Please complete this request within 30 days as required by law. If you need further information, feel free to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXX -Expires : XX/XX/XXXX -- -
Product: Checking or savings account

unlawfully garnished the accounts Financial institution for processing illegal, out-of-state garnishment orders against its my bank account. Financial institution unlawfully froze my account, garnished funds, and sent payments to fake creditors based on out-of-state garnishment fake court order. Its a fake order because it was not a judge or real court meaning being recognized by the state constitution. There is not proof that a real court order exist, a real judgement and writ of execution to collect a debt does not exist. All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. Also the program that claimed to be creditors are not listed as debt collectors and not registered with the Secretary of State of Florida to do business or to be able to collect a debt. They did not credit me anything, they have not validated any debt or given any consideration to I. Equity will not allow a statue to be used as a cloak for fraud. 

Unlawful garnishment that has injured me and caused involuntary servitude. Financial institutions cooperation with corsairs ( con-artists ) at the expense of me. Also if debt can only be paid with gold and silver according to the article 1 section 10 of the u.s. constitution why did that take currency from my account. 

garnishments that are usually designed to make sure people have money left to live on following garnishment. Financial institution left my account balance was left to XXXX balance. 

I do not ingress in florida where the fake order was established.
Product: Debt collection

XXXX XXXX Account XXXX XXXX Account XXXX False Date open XX/XX/year> Amount {$8400.00} I have reached out to this creditor several times to resolve this issue. I have no knowledge of this debt, nor did I sign ( wet signature ) for this auto loan. The creditor has failed to provide me with information regarding this issue. This account was open fraudulently, and yet the creditor continues to report incorrect information to all three credit bureaus which has prevented and lessoned my opportunities from getting housing. This is direct violation of Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

A bank officer from U.S. Bank ( XXXX XXXX ) merchant banking in XXXX XXXX XXXX XXXX contacted me over 6 months ago. He was persistent in getting me signed up for the credit card processing with their partner XXXX. XXXX told me that if I sign up I would receive {$1000.00} in my business checking account within 2 months or so. I did sign up with their ( U.S. Bank ) credit card processing system managed by XXXX. It has been over 6 months and XXXX XXXX has been stringing me and others along with misrepresentation and deceptive practice of signing up U.S. Bank customers for credit card processing with a false promise of {$1000.00} reward in deposit in checking. 
I have all proof of his texts, etc.. This deceptive and unethical practice must be stopped and a penalty must be provided to me and your agency for misrepresentation and deceptive practices by a U.S. Bank employee.
Product: Payday loan, title loan, personal loan, or advance loan

See attached word doc detailing the unresolved complaint this complaint is not and i repeat not a duplicate complaint as the cfpb tries to claim, there is completely new information included ie : [ precedent case law strongly supporting my position ] therefore this case complaint will remain fully active and open until I recieve a full resolution in my favor.
Product: Mortgage

AmeriHome Mortgage ( who assumed our original loan ) at the beginning of XX/XX/XXXX has breached their fiduciary duty to us by not protecting our personal financial information and causing us to be defrauded of {$2500.00} at the time of this complaint ( XX/XX/XXXX ) and exposing us to unknown future repercussions of identity theft. 

On XX/XX/XXXX we were notified by our bank, XXXX XXXX, of fraudulent charges within a savings account we use for college for our children. There were multiple ACH direct debit transactions totaling {$2500.00}. There are no checks or debits cards related to this account, so we were perplexed as to how someone gained access to it as they would need very sensitive information such as SSN and DOB. 

Upon review of the charges, the name XXXX XXXX ( AKA XXXX XXXX, DOB XXXX ), is listed multiple times on our statement for these fraudulent charges. A quick search returned this name to AmeriHome, which is our mortgage company ( our loan was sold to them in the last 8 weeks ). From her own XXXX   Profile, XXXX XXXX lists herself as a Loan Review Specialist at AmeriHome XX/XX/XXXX to the present and she obviously had access to our data. 

The following are the fraudulent transactions to date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { The charge to XXXX XXXX paid for rent, and it leads to an XXXX complex with an address associated with XXXX XXXX in XXXX, TX -- XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX at XXXX XXXX }. 

XX/XX/XXXX -1 * XXXX XXXX Ch XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXXL XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX { the XXXX and XXXX were test deposits from XXXX that she initiated to link OUR bank account to HER XXXX account, in an effort to defraud us. In order to do this, she has illegally gained access into our bank account. } In essence, we trusted our mortgage company, AmeriHome with our confidential personal information and they have breached their fiduciary duty to us by allowing this fraud to occur. Whether it by sloppy hiring practices or improper computer encryptions for sensitive data, our SSN and all our personal information has been compromised indefinitely and the longstanding repercussion of this identity fraud is unknown. Every online review of this company leads me to believe their unscrupulous practices should be looked into carefully. We can not and will not do business with such a company and will be retaining a lawyer if we can not get swift and proper remediation. 

AmeriHome was negligent in protecting us, their customer. We are so discouraged that the one place that was supposed to protect our information ended up being the same place it became compromised.
Product: Checking or savings account

Bank of America put a debit/hold on my account on XX/XX/2023 for XXXX causing me to have a couple XXXX left in my account. Being a college student and paying for my own schooling out of my pocket I had just paid my tuition which is quite a bit already. I had just got paid so now I have to wait another two weeks unless Bank of America debits my account back. I called them but was put on hold to where no one answered and I had to go to work. There customer service is awful and hard to reach most of the time.
Product: Vehicle loan or lease

I applied for a car loan in good faith with Stellantis and adverse action was taken against me. I was told I had to put over {$40000.00} in cash down for a consumer credit transaction. There is not cash involved in a consumer credit transaction. This error has left me in a worse situation that when I applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX charged my wife and I for a personal property tax and late payment fees on our leased XXXX XXXX XXXX without informing us of the tax charge. We are on autopay and pay our bills timely each month. We were never informed that there was an outstanding personal property tax charge or associated late fees. 

Today, XX/XX/2020, we learned that our credit scores were destroyed by XXXX, which claimed to the credit bureaus that the personal property tax and late fees were delinquent. We were never made aware of the situation, via email, phone call, or regular mail. In fact, we only receive monthly emails that our autopay payment has been received. 

We reached out to XXXX XXXX XXXX today to no avail. We will not be doing any further business with XXXX when this lease is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i was taking at look at my credit report and i notice XXXX XXXX which is the company thats on my credit report was open back in XXXX and it has passed the which legal expiration date of 7 years ... i notice that they are re-aging the last activity which is a violation and causes damages to my report i will like for these outdated student loans to be removed ... i have requested this numerous times with the bureaus but no response ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reinserted 3 accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) that were previously deleted and didn't notify me after years that the accounts were being placed back on my credit report.The XXXX XXXX XXXX XXXX XXXX accounts were reinserted earlier in the year and the XXXX XXXX XXXX account was reinserted in XX/XX/2019. Equifax was required to advise me that the accounts were being reinserted but never did. Equifax has repeatedly done this over the years and I have submitted several requests to remedy this situation.
Product: Credit reporting or other personal consumer reports

An individual tries to sell me information on gaining unclaimed money from the government. This individual has begin sending me checks for deposit which I refuse to deposit and bank. I have no credits or financial bank with the XXXX XXXX XXXX. My bank is external secure and local.
Product: Debt collection

I am writing to formally dispute the validity of a debt that LVNV Funding LLC claims I owe, which appears to be related to an account originally with XXXX XXXXXXXX. The debt in question is inaccurate, as the original creditor, XXXX XXXX, has already addressed the matter, and I was informed that they violated consumer protection laws in handling this account. Despite this, the debt was subsequently sold to LVNV Funding LLC. 

I did not agree to any terms with LVNV Funding LLC, nor have I received proper validation of this alleged debt. In light of the consumer protection violations already identified with XXXX XXXX, I am disputing this debt in its entirety and requesting that it be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent ARS information to dispute an unverifiable bankruptcy that was appearing on my report and on my wifes XXXX XXXX report. I sent them all information, including a police report. On XX/XX/2021 they said they verified the bankruptcy. On XX/XX/2021 I received a letter from ARS stating they were putting the bankruptcy in dispute status. On XX/XX/2021 I sent an email to the manager XXXX XXXX with questions on the investigation. She said the bankruptcy was in dispute and would be removed when the got a certified court order. I call a number of times and they hadnt received it. I called after XX/XX/2021 and the representative said XXXX was on vacation and would return on XXXX XXXX. I spoke to XXXX  on XX/XX/2021 after speaking to a representative who said it was still in dispute. I told XXXX  it had been over 30 days and they must remove. She said they put it in dispute as a courtesy. I said there is no such thing. You must remove because the time ran out. She said no.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I found myself in a financial bind and needed money to pay my rent and bills. I filled out an application with XXXX online and was approved. At the time I desperately needed the money and agreed to their outrages interest rate of 179 % on a {$2500.00} loan. In XXXX I had to make my first payment of {$490.00} and continued payments of {$380.00} monthly until XX/XX/XXXX. I fell on to hard times and could not continue making the payments. I did, in fact, pay from XX/XX/XXXX to XX/XX/XXXX a total of {$2400.00}. In XX/XX/XXXX, I tried to make arrangements with them and come to an agreement but was, unfortunately, they failed to come to terms with me and was later sued. Today, XX/XX/XXXX, I showed up in court and agreed to pay them {$200.00} in XXXX and {$75.00} a month after until the {$2600.00} loan is paid. When I emailed them asking if they would work with me they refused to send me a modification agreement by email or mail. To which I could not understand because they had done it before. I told them that I had the legal right to request any and all communication with them in writing. They stated that for security reasons they could not send it by email and had to speak with me on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with first access and the company closed it in XX/XX/2021 due to identity theft. I have been disputing this account since XX/XX/2021 and Experian says they are disputing it and the tbXXXX XXXX says the account is open. When I call XXXX XXXX they insist that they sent a letter in XX/XX/2021. Each company is blaming each other and meanwhile 7 months later the account still remains on my credit report and my score has tanked! This is not fair and both companies are not fixing this problem! I have waited for both companies to due what is right and they have not.