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

To Whom It May Concern, Upon reviewing my credit report, I identified multiple billing errors that violate 15 U.S. Code 1666 ( b ). According to this statute, a creditor can not classify a payment on a credit card account under an open-end consumer credit plan as late unless they have adhered to specific requirements. These include ensuring that each periodic statement, containing the information required by section 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. Additionally, the statute prohibits errors such as failure to properly reflect payments or credits, and computation errors on statements. The creditor did not provide me with a statement 21 days before the payment due date, meaning no late payments should have been recorded. I request concrete proof from the creditors bank account showing that I failed to make the payment and that it was erroneously marked late. This is a billing error. The following items should be corrected to reflect " paid as agreed '' on my credit report : XXXXXXXX XXXX XXXXXXXX - XXXX - This is also completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. Under the Fair Credit Reporting Act ( FCRA ), these accounts must be updated or removed immediately. Should this not be resolved promptly, I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 U.S.C. 1681n. Additionally, I have already forwarded this issue to the Consumer Financial Protection Bureau, the State Attorney Generals Office, the Better Business Bureau, and the Federal Trade Commission. Please note that you have 30 days from the receipt of this letter to complete your investigation, as stipulated by FCRA Section 611 ( a ) ( 1 ) ( A ). I also request a description of the procedures used to determine the accuracy and completeness of the information, to be provided within 5 days of the completion of your re-investigation. I am maintaining a detailed record of your actions, including your method of verification, and I do not consent to e-Oscar or any automated verification methods.
Product: Credit reporting or other personal consumer reports

I appreciate the prompt attention from the CFPB, and I want to acknowledge that XXXX XXXX XXXX XXXX has taken corrective action by removing three out of the four fraudulent accounts previously mentioned in my complaint. However, the specific charge-off account with the amount of {$14000.00} ( Account Number : XXXX  ) remains unresolved. The discrepancy in their response raises suspicion, as the removal of only three out of the four fraudulent accounts suggests potential selective omission. This questionable behavior leads me, as a consumer, to believe that XXXX XXXX and Experian may be purposely retaining one charge-off to negatively impact my credit status, keeping me classified as a subprime borrower. 

Furthermore, I would like to express my concerns about Experian 's handling of this matter. Despite my diligent efforts to address the fraudulent accounts and the discrepancies, Experian has not provided a satisfactory resolution. The rapid verification of the information without a thorough investigation and the lack of transparency in providing evidence raise significant concerns about Experian 's compliance with the Fair Credit Reporting Act ( FCRA ). 

In my efforts to report the specific charge-off account as fraudulent to Experian, I have attached all required documents, including the FTC report , government-issued ID, social security card, and utility bill. This comprehensive documentation supports my claim and further emphasizes the urgency of a thorough and accurate investigation by Experian. I demand the immediate deletion of the remaining fraudulent charge-off account in the amount of {$14000.00} from my credit report. 

I urge the Consumer Financial Protection Bureau to scrutinize Experian 's handling of this matter, ensuring compliance with the FCRA and the deletion of the inaccurately reported and remaining fraudulent charge-off account. Your immediate attention to this critical issue is crucial, and I anticipate a prompt resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

During the week of XXXX XXXX my Chase and XXXX XXXX accounts experienced a lot of unknown transactions ( checks deposited, claimed transactions, XXXX transactions XXXX etc. 
By the time that was happening I was receiving text messages, emails, and after that my account was locked, I called and reported case to the bank, but now I have negatives balances in my accounts. 
Need help
Product: Checking or savings account

USAA closed my checking account on XX/XX/XXXX without any prior written notification via mail, email, or account notifications/documents within their website and app. I only realized the checking account was closed when it disappeared from my profile in their website on XX/XX/XXXX. When I called them they stated it was because I had not sent them the death certificate for my late husband who a joint holder of the account. After he passed away in XXXX I called them to notify them, and they told me I didn't need to do anything because it was a joint account. They said I could send the death certificate to get his name removed but it was not required. 

They left me a voicemail about 1 week prior to closing the account saying I needed to call them about an important matter. I have new phone and didn't get the notification that there was a voicemail, so I didn't hear it until after the account had been closed and I checked for it. My notification preference had been set to email on USAA, and I received no emails indicating I needed to contact them regarding my checking account. Due to the unexpected/unknown closure of my account, my rent check bounced and I was charged a {$50.00} returned payment fee on XX/XX/XXXX by my apartment complex XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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. 
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 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
Product: Credit card

Hi! 

I received an email that I had a hard inquiry on my account, via XXXX XXXX. This morning I woke up to an email saying I had a Capital One credit card on the way ( I never signed up for ). I have XXXX  in touch with Capital One and I am working on cancelling the account that was opened and the credit card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XX/XX/XXXX Transunion TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of XXXX Account - Request for Removal Dear Sir/Madam, I am writing to formally dispute the information related to the XXXX account listed on my credit report by XXXX XXXX. The account ( XXXX ) was originally reported as a debt owed, but XXXX XXXX has recently closed the collection account and submitted a request for the removal of any related information. 

Per my communication with XXXX XXXX, the collection account has been closed, and the company has complied with my request to cease further communication. They have also confirmed that they have notated the account accordingly and requested the credit bureaus to remove any references to this debt from my credit file. 

I kindly ask that you investigate and remove any records of this account from my credit report as soon as possible, in accordance with the Fair Credit Reporting Act ( FCRA ). Please notify me in writing of the outcome of your investigation and the actions taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I never had a loan with this school and for two years I have been attempting to rectify this problem and as of recently XX/XX/XXXX they are again ignoring my efforts. 

The specific dates are XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I sent correspondence from myself and an attorney has sent correspondence all have been left unanswered. As a result Im being garnished and I am paying out of pocket for my current education because I am no longer eligible for student loan financial aid because of the fraud. 

This is causing financial harm including higher interest rates for my care and not being eligibility to get a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped over one hundred points from XX/XX/XXXX, my score was XXXX. In XX/XX/XXXX my score dropped to XXXX. 
No late payments- no delinquent accounts with only three accounts, dept. to income ratio improved by selling a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and as a result must continue to remedy its effects. I have several fraudulent accounts reporting within my credit file, along with addresses I have never resided and fraudulent inquiries. I have reached out to the credit reporting agencies and they have kept the fraudulent accounts/inquiries/addresses from my credit report. The fraudulent addresses that are reporting that I never lived at are XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX and XXXX XXXX XXXX XXXX XXXX, XXXX, GA. 
The fraudulent accounts are LVNV Funding {$14000.00}, LVNV Funding {$1100.00}, LVNV Funding {$440.00}, XXXX XXXX {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4400.00}, XXXX XXXX {$240.00} and XXXX XXXX {$330.00}. 

Fraudulent Inquiries : 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 card or prepaid card

On XX/XX/XXXX I received an email from discover which looked like spam asking me to sign form XXXX. I called Discover and was advised that I needed to complete this form by XX/XX/XXXX or my account would be closed for non compliance. I have had this Discover card since XXXX with no issues and have always made my payments on time and mostly have paid the card in full every month. I have never been asked for to sign this form with any other company. And I have an XXXX with a XXXX spend limit. I could see sending something for income verification at application or if I requested a credit line increase, but I have not done anything like that. This seems to be retaliation from Discover since I sued them last year for a fraudulent charge that they would not remove. I cant see how a company would be allowed to access my tax returns when there really isnt a need for them to do so. This seems extremely predatory and deceptive to ask for this after five years and only after we settled our case last year. Its also odd that from most of the reviews I have read online about this is that Discover is closing cards if there are discrepancys which I also find odd considering most people use household income and some households file separate returns if they arent married.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

My daughter has been receiving emails from a debt company called LVNV Funding LLC. They keep sending her notices of a debt owed by someone who used my social security. I have never taken out a credit card with XXXX XXXX XXXX. Also, the name that was used to cause the fraud is incorrect and the zip code. I'm not sure how this fraud happened, but the collection company keeps sending my daughter notices of this debt to her email. I don't know anything else about this debt, but my daughter emailed XXXXVNV Funding to dispute the debt. Please help me since I did not cause this debt.
Product: Checking or savings account

I got a deposit amd wanted to transfer fund to another account because I need it. Venmo suspended my account and won't unsuspend it or give a reason for the suspension when I call. 

Why should i be forced to deal with these losers games? 

I wont ever give any XXXX about anyone who would try to force me to focus on XXXX XXXX like a stupid suspension or ugly people like those behind this. 

Please force them to stop. Im not hurting anyone and i need this to end. I ddont deserve to have to talk to losers like them who u want nothing more from tham.for them to never be a factor ever in my life again. 

I need to access my money. I need to transfer funds. Over XXXX I earned is locked in their world Please force them to let me transfer money out.
Product: Credit reporting or other personal consumer reports

I found out that my identity was stolen and my accounts were used in fraudulent activities online. I immediately reported this to the company and bureaus. I even called and requested for XXXX today to kindly delete and close the account that got compromised but they insist on keeping it on record for 7 years. Not to mention that I was sick and almost died on XX/XX/XXXX and they added a late payment on that same account. I told them about the situation and the bureaus but they still refuse to help me to this date. I have been going back and forth since the beginning of XXXX. That is very unfair. I request for this account to be closed and deleted from my credit reports. I am willing to pay the dues if I have to, but please delete this asap. I expect nothing more from XXXX because I now know how inconsiderate they can be, so yes, if they want my money, just take it, but delete this account from my credit reports. 

Here 's the fraud account info : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX
Product: Debt collection

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been XXXX  and deceived by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to XXXX XXXX XXXX XXXX XXXX . They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX XXXX XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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

I've found errors on my credit report tied to 15 USC 1681c-2, specifically unauthorized inquiries that are damaging my score. Kindly remove all unauthorized hard inquiries. Thank you!
Product: Debt collection

These XXXX XXXX obtain all of your debtors information, their personal information, your contracts with those debtors, the amount owed, you sign a contract with them that they counter-sign thus making it a full on contract, and then, start making up reasons to saying that they " are not a good fit for your company. '' They are incredibly lazy, do not want to do any work, want you to do all the work for them, unethical, breach contracts, and do nothing but disrupt and disorient your business and debtor collection process. Please investigate and advise.
Product: Mortgage

My current mortgage company Nationstar is refusing to honor the terms of a modification I received when the loan was with XXXX. As a result of this my loan has gone into foreclosure and I have a court hearing next month. I believe that Nationstar 's actions are unethical and illegal. I sent in my payments for the modification as agreed after the loan had been transferred, but Nationstar sent the payments back to me claiming they were just " partial payments. '' I tried to explain to them that I had an existing loan modification and that it had been approved by HUD since I have an FHA loan but they would not believe me and told me I had to apply for a new modification with Nationstar. When I did this I was told that I did not qualify -- because I had already recently received a modification?? I am flabbergasted and outraged at the behavior of Nationstar, who seems to want to push me into foreclosure to cash in on the insurance money instead of following the government rules and guidelines for FHA loans. 

I have owned this home for 12 years. We never had a problem making the payment, until I went through a separation in XX/XX/2015 and was reduced to XXXX income. At that time the loan was with XXXX and I provided all of my financial information to them and was offered a modification that allowed the late payments to be held in a silent second ( I think it is called a partial claim ) and for me to resume making payments of {$850.00} a month. I gladly accepted this agreement and made the payments as agreed. Then the loan got transferred to Nationstar and their agents would not take my payments and actually sent them back to me. When I told them I already had a modification and this was the agreed upon amount they told me I was wrong and that I would have to apply again. All during this time I could have been making payments but Nationstar refused to accept what I offered -- -- after I applied for a loan modification through Nationstar I was told that I was denied. Because I had already received a loan modification??? If I already received a loan modification why was Nationstar pretending this modification did not exist? This is the ultimate hypocrisy and unethical, immoral and illegal behavior by Nationstar. 

I am not asking for a handout or anything free. I am asking Nationstar to play by the rules and resolve this situation. Due to some type of internal issue or poor recordkeeping Nationstar acquired my loan and made a mistake relating to the loan modification I had received and they failed to honor this. This is a violation of the government guidelines relating to FHA government insured loans. When I tried to make payments Nationstar SENT THEM BACK. Nationstar then told me I had to apply for help again ; when I did apply I was told that I could not receive help, because I had received a modification in the past, even though Nationstar refused to recognize this when I tried to make these payments.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately! I had 2 Late payments on an account ( XX/XX/XXXXXXXX ) that it was in fact paid on time. The consumer reporting agency need to report all information with complete accuracy. this account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX I am now requesting you invetigate the account and update this payments to on time immediately thank you for your understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a forbearance agreement with my former mortgage company, Specialized Loan Servicing , LLC, for the months of XXXX, XXXX and XXXX of 2020 with an expiration date of XX/XX/2020. The loan was paid off on XX/XX/2020 and therefore it was not a late payment. Yet, Specialized Loan Servicing, LLC informed XXXX  that the payment was late when they know that it was not. This has adversely affect mine and my wife 's credit because of their error.
Product: Debt collection

Every day since XX/XX/XXXX, I have been getting calls from debt collectors. I do not have any debt that isn't actively being paid - the only thing I owe on is my car, and I have been making regular payments. I have student debt, but am not required to make payments on it until XXXX of this year. 

Phone numbers I have been called from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And more recently XXXX XXXX XXXX XXXX XXXX XXXX I was given an email on the XXXX as well, stating that they had called me repeatedly to settle this unknown debt and would be forced to take legal action if I did not pay. They claimed I had committed check fraud and " theft by deception '', which is untrue. To up the stakes and make me feel even more threatened, they listed my bank account routing number, my social security number, and all manners of other incredibly personal information in this email. Again, that was the FIRST day I had ever heard from them. Since then, I have been getting three to five calls every single day. I changed my number when I was added onto my husband 's XXXX account, and they started harassing me there, too. This needs to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX about account # XXXX and # XXXX and asked them to delete these inaccurate derogatory accounts. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!