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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$490.00XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$310.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Inquiries on my Equifax report from these Companies i did not authorized from XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX on XXXX and XXXX and XXXX also XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX AND XXXX XXXX XXXX
Product: Debt collection

They sent me copies of a signature signed by my guardian when i was XXXX XXXX XXXX. i never asked her to put anything in my name. she is responsible not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this month ( XX/XX/XXXX ) I pulled my consumer report and notice that an account that shows as a collection ( placed on my consumer report XX/XX/XXXX, account XXXX ) is still being negatively being reported on my Experian consumer report. I have tried countless times of communicating with the both of these companies pleading that this account does not belong to me ( Experian and XXXX XXXX XXXX XXXX ), however I have no response. I, hereby state as a natural consumer have never authorized or gave consent for this alleged collection that is misleading and inaccurately reporting by this company. I do not recognize this alleged collection, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged collection, XXXX XXXX & XXXX has not responded nor sent me debt verification. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged collection has been placed on my consumer report shows that I am not protected as a consumer from Experian or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family. I do not know where this alleged collection has come from. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e. I have sent in a debt validation letter for the company XXXX XXXX XXXX XXXX to send me any evidence or proof that I signed or consented to this alleged collection or given any evidence requested on my behalf on how this collection belongs to me. I will conclude that XXXX XXXX XXXX XXXX is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged collection. Apparently, XXXX XXXX XXXX XXXX company has a distressing reputation of alleged debt reporting against consumers and repeatedly breaking the law of reporting on consumers, per the XXXX case Jarzyna vs. Home Properties, et al., whereas XXXX XXXX XXXX XXXX was charged with violating the Fair Debt Collection Practices Act.
Product: Checking or savings account

I had a financial problem and used my overdraft Capital One checking account. I just used less than XXXX dollars in small amounts of money but they charged me 24 overdraft fees, between XX/XX/XXXX and XX/XX/XXXX plus the money that I used each overdraft fee was XXXX dollars without discriminating the amount of the transaction, which seems to me to be very unfair and abusive. It doesn't make sense to surpass me by XXXX dollar and pay XXXX. When I got paid they took all my money causing all kind of issues, I couldn't pay my bills on time, etc. etc. 
I have found this out with an attorney and he tells me that these charges are completely illegitimate and abusive. 
All of my salary deposited on Friday, XX/XX/XXXX was taken by the bank due to overdrafts and disproportionate fees. 
I would appreciate it if you could help me with this, otherwise I will have no choice but to close my account. Which would give me a lot of regret because I never had problems with the bank in the three years I have this account.
Product: Mortgage

Please refer to complaint number XXXX and incorporate and include in this complaint. My complaint was against the new mortgage company XXXX XXXX ), which is the incorrect entity. The complaint should have been directed to the MCM Capital Solution and the title company XXXX XXXX XXXX, XXXX. The heart of my complaint is as follows : Please utilize all of the documents submitted in complaint no. XXXX, in addition please consider the additional issue based upon the information submitted to me by XXXX. XXXX. The signature is not the signature that I signed when the loan was signed at my construction site in the presence of my plumber. 2. I never received a copy of my signed documents within the three days required to rescind the loan or correct the errors. Documents purportedly signed on XX/XX/2023 and I received a mailed copy dated XX/XX/2023, that was not complete and contained several blank pages. i just received a complete copy from XXXX on XX/XX/2023. 
3. The Escrow Account was not to be contained in the loan documents and was included without my knowledge, consent or consideration. 4. Hold MCM Capital XXXX XXXX XXXX XXXX, XXXX accountable and remove the fraudulent misrepresentation signatures on the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm account number XXXX is reporting late payments, XX/XX/2023 which is in violation of my federal rights. 

15 U.S. Code 1666b - Timing of payments.

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part D 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Experian due to their continued failure to remove inaccurate and unverified items from my credit report, despite multiple disputes and submission of the required documentation, including Identity Theft affidavits and police reports. Furthermore, Experian has not maintained proper records of the previously submitted documents and may be in violation of the Fair Credit Reporting Act. Additionally, I have concerns regarding the unauthorized release of my personal information to the disputed companies during the dispute resolution process, potentially exacerbating the identity theft issue. Experian 's actions have caused me significant financial harm and emotional distress, and I seek a prompt and accurate resolution of this matter.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX 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. 


EQUIFAX 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: Credit reporting or other personal consumer reports

I sent a certified letter to XXXX XXXX XXXX to formally dispute an alleged debt that appeared on my credit report dated XX/XX/. In the letter I requested a copy of the original purchase agreement to verify that they are the proper owner of the alleged debt. XXXX did not respond with this contract, only a bill from the original creditor. Additionally, the alleged account does not appear on my XXXX XXXX credit report and had different reported information on the Experian and XXXX reports. I sent certified letters to both Experian and XXXX to request this account be removed under the Fair Credit Reporting Act to provide accurate information on XXXX Both credit agencies responded that the information was verified even though I provided clear documentation of the errors and inaccuracies between all three credit agencies. Further, the original creditor charged off the alleged debt which in turn is accounted to me as earned income and is no longer considered debt according to the General Rules for form 1099-C of the IRS Code .
Product: Credit reporting or other personal consumer reports

Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974. 
20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

In accordance with the Fair Credit Reporting Act convergent Acct # : 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 an account without my written instructions.
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as they inaccurately report me as late despite my consistent on-time payments.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX  - XXXX and Bankruptcy - XXXX. 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If thisthe final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you cantravel here in order to defend yourselves. 

I take my credit very seriously and your lack of professionalism and assistance disgusts me. I amwell aware of my rights under the FCRA and intend to pursue them to the maximumI am anticipating your immediate response
Product: Debt collection

The account was through XXXX XXXX and it was an auto loan and it was repossessed. XXXX XXXX XXXX is the owner of the debt apparently and they had XXXX XXXX XXXX XXXX XXXX, which seems to be a scam group, call me and threaten me. Said that they were going to file a criminal case for fraud against me. Threatened me, used vulgar language with me, called several family members and aquantainces and gave them personal information about me and the debt. Spoke to my dad at length with no permission. Gave him account numbers, amounts. Left personal information about me on several peoples voicemails, which i still have saved. They called back to back numerous times. I never received any information in writing, they said they mailed a ton of documents to an address i haven't lived at in 3 years. Yet, my address where i live now, is where the vehicle was picked up at. So my current address was updated. Then they refused to send me any documentation or proof of the debt in question. a guy i spoke with told me " I just really don't know what kind of documentation you want. I'm telling you now what you owe ''
Product: Credit reporting

On XXXX I got my yearly free credit report from all XXXX credit reporting agencies. On XXXX, I went online to dispute some information. Experian website says that when you get your free credit report, it is available online for 30 days. I was able to log on and dispute some items I noticed. However, I noticed that there was a fraud alert placed on my account on XXXX, which I never placed on that date, considering that 's the first time I viewed my report thoroughly. However, I did place a permanent fraud alert last year, and since then, I have had over XXXX hard inquiries on my credit report that I did not authorize, and many, many accounts opened in my name. Experian wo n't let me dispute the inquiries, and tells me to call a number, where I get an automated response, with no option to speak to a real person. I logged off the website, because I was at work when I did this, and tried to log back in about 2 hours later. Lo and behold, they could not find me in their system, and it stated that I had to " Send the letter provided below so that we can accurately identify you are really who you say you are ''. This is absolutely ridiculous. Also, I have over XXXX hard inquiries on my report from Experian themselves. Since when does a credit reporting agency pull a hard inquiry, when they have access to everything anyway? No wonder my credit score from this company is so low. They 're lowering my credit score by pulling hard inquiries that I did n't authorize, over and over and over again. I 'm also extremely upset that they have allowed so many inquiries to go on my report when I placed a permanent fraud alert a year ago. Of course, I do n't have any documents to upload, because they wo n't let me into my account.
Product: Credit card or prepaid card

My name is  XXXX   XXXX , last four of my social at  XXXX . My mailing and billing address is  XXXX   XXXX   XXXX   XXXX  MD  XXXX . Date of Birth  XXXX   XXXX    XXXX  .     I have been blocked out of getting any info or using my credit card with First National Bank of Omaha. I followed their instructions in getting my identity verified by getting notarized ID and bills and sending it to the bank. THe bank is now forcing me to try to get a local bank to call the bank to verify my identity and I have tried and no bank in my area has that policy to do so. In addition, per the fair credit billing act, and fair credit reporting act, credit card companies can not verify identity in such way and unreasonable behave such that they do not provide me any information or allow me to use my card. I have fraud on my account and I expect the  ban  k First National Omaha to completely  XXXX  out my balance as any charge on that account in the past 2-3 months would have been used fraudulently without my consent unless it is my family member, which as of now we have no idea as First National is not shari  ng with me. Hence, I request First National to follow the instructions I sent them via statements USPS mail and look at the circled charged on that statement and file them as fraud and re credit my accou nt so that my account has  XXXX  TOTAL balance now. In a ddition I request First National to remove the block on my account and call me to discuss deta ils of my account at  XXXX  as I have already proven my identity via notarized documents.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 XXXX XXXX XXXX XXXX made a payment in the amount of XXXX XXXX dollars from its XXXX account to the account of XXXX XXXX XXXX XXXX XXXX XXXX opened in XXXXXXXX XXXX XXXX XXXX XXXX XXXX  JP Morgan Chase Bank was an intermediary bank in this chain. On XX/XX/2022, XXXX was appointed in accordance with XXXX XXXX XXXX. XXXX. Given this, my payment must be blocked by an intermediary bank in accordance with the rules of US sanctions. To unblock a payment, I need to apply for a specific license with OFAC. However, JP Morgan Chase has not yet blocked the payment and has not informed the sending bank about the freezing measures. Thus, I can not apply to OFAC for the license required to unlock my funds, because for this I have to enter some data, in particular the date when the payment was blocked. Otherwise, OFAC may not find the record of the blocked payment. XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX with a request to clarify whether the payment was blocked and what was reported to OFAC and when. However, JP Morgan Chase did not respond. Thus, I can not apply to OFAC for the license required to unlock my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute letter to the equifax and XXXX  and XXXX on numerous occasions to remove a account that is not mine. the three companies never ever got back to me about removing it. i also demanded them to provide the original contract with my signature that i sign its been over 100days and i still haven't heard anything back because of that reason and i demand for the accounst in question be removed this has been stressing me out and stopping me for being able to buy a home for my family and i
Product: Credit reporting or other personal consumer reports

Credit acceptance is committing fraud by now re-aging my account. Proof is attached of their fraudulent activities. I demand this account to be removed as it violates my federally protected rights