23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX 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 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 that are reported 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 XXXX  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 XXXX  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, credit repair services, or other personal consumer reports

Hello, Again with a complaint against XXXX, EQUIFAX AND XXXX in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against XXXX and all CRAs listing erroneous accounts under my name and social security number. 
EQUIFAX, XXXX AND XXXX are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove such information from my EQUIFAX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX XXXX XXXX XXXX : {$7000.00} XXXX XXXX : {$4300.00} XXXX XXXX XXXX-BAL : {$6400.00} | {$4800.00} | {$1100.00} As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I have opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, I-XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX CT -- Thank you, XXXX XXXX XXXX
Product: Mortgage

We closed on our place recently. The closing documents we received from the title company contain blank forms with only a signature, missing notarization, and lastly with regard to the termite inspection is inaccurately completed. E.g. the name of the pest control company on the form is completed with the mortgage companies name. We've asked the lender multiple time for an explanation and none has been provided. The lender claims " the loan is closed '' and there's nothing to do. We've asked the lender to resolve these errors and they are refusing. They've asked us " what's your motivation? '' " what answer are you looking for '' via a phone call last Friday. I response that I would like them to respond one of two ways : 1 ) There was a clerical error and we will correct it. 2 ) There is no error. The latter of which, seems suspicious since other council to us has advised that these forms are required for a VA loan and certify appropriate housing conditions & new home warranty. If the lender will not provide the completed documentation, this seems fraudulent - we would like this resolved by having the errors corrected and new completed documentation sent to us. We are also asking for the completed closing package that the bank has for us to make sure those documents match what we returned to the title company.
Product: Student loan

For many years I had the same interes but the last two years Wells Fargo elevated the interests and my payment depends on going down is it rises, as well the years of duration of the loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax asking them to investigate items on my credit report that was not reporting 100 % accurate on my credit report. it not only took equifax over 60 days to give a response but in the response they did not validate ANY of the accounts in question. All they did was state that the account was verified without showing any proof of an original contract between myself and the data furnisher. as a result I need all these accounts removed immediately
Product: Prepaid card

Ive been trying to use their American Express Amex gift cards and all I keep getting is declined! Ive had a XXXX dollar XXXX and now a XXXX dollar one and everytime I try to use on online orders I get denied and authorization charges. I cant seem to find any help either regarding this
Product: Credit reporting or other personal consumer reports

I tried to do a temporary lift of my credit report freeze on Equifax 's website. It required me to create an account to manage my existing freeze, so I did. When I was logged in, I only received a message of " we are temporarily unable to retrieve the status of your security freeze. Please try again later. ". I then attempted to do a temporarily lift over the phone which is done through a series of automated prompts. I attempted this multiple times only to, at the very end, have the prompt say " we are unable to assist you with your freeze request. Please complete your request online ''. I then had to go through a representative after waiting on hold only to be required to listen to a full sales pitch of identity theft services before being able to complete my temporary freeze lift request.
Product: Debt collection

I sent a letter requesting debt validation of the alleged debt through certified mail. They received this request on XX/XX/XXXX. It has been 30 day, and they have failed to respond, but they are still reporting negative information on the alleged debt.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services, with the respect to the accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capital One 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: Mortgage

I had a mortgage through Residential Credit solution for the past three years I continually sent information to have our mortgage refinanced. They not only gave me the run-around they continued to put are home up for a Sheriff sale. In the past three years we have put {$30000.00} on our mortgage only now we owe more money then what it was owed. XXXX continually to refinance stating that we did n't give them all the information which was not true they just continually gave us the run-around only XXXX have the company shut down and we come to find out that they done this to other people this company stole from us lied to us and all we want is that money credited properly to our account.
Product: Mortgage

I have applied on several occasion for a home loan modification with OCWEN Loan Servicing and a Deed-In-Lieu and each time they have denied it or lost my paperwork until I stopped paying the mortgage all together. In 2012 there were enhancements made to the HAMP program that they did not follow as I am XXXX military and was displaced by a XXXX move.
Product: Vehicle loan or lease

They sold the car and still want me to pay a balance of XXXX XXXX XXXX  and the car isnt even worth that much
Product: Credit reporting

Item # 1 : I dispute XXXX - XXXX, this is not mines. Please delete this account. 
Item # 2 : I dispute XXXX - XXXX, this account has been paid and I have attached letter as proof. Please correct this account. 
Item # 3 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account.
Product: Credit card

I opened a credit card account with Capital One in XXXX of XXXX. XXXX XXXX is reporting that I opened it in XXXX. This account should be taken off my credit report as it has been over 7 years.
Product: Checking or savings account

I have a {$300.00} refund pending with them for almost a month They send me in a circle of blame. I submitted proof to them that it was on them that the vendor that issued the refund had paid the money and it got me nowhere. Nothing is getting me anywhere and I need my money desperately I am a single father and without Food.
Product: Credit reporting or other personal consumer reports

This is beyond frustrating. My credit report is filled with accounts that are not mine, and these errors are destroying my credit score. I have sent repeated complaints, and the lack of response is unacceptable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. XXXX the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Debt collection

( 1 ) The former compliant number XXXX The XXXX XXXX XXXX authorized IC system to settle by {$1800.00} of the total invoice {$3000.00}. But I didn't received the revised Official invoice in mail? I need those official revised invoice to make payment ( 2 ) I have attached of my insurance company paid Statement which shows the room and Boarding are duplicate charges? 
I need XXXX XXXX care to explain why had duplicate charges for the same period XX/XX/XXXX-XX/XX/XXXX for room and boarding? 
( see attached ) ( 3 ) I am keep one receiving a lot of doctor 's Bill separately? but according to the XXXX invoice statements they already charge the XXXX XXXX and XXXX XXXX XXXX Team?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint to cfpb # XXXX it was in regards to this same account regarding XXXX placing this old account with a collection company regarding the balance on this account. I reached out to XXXX and never had follow up in regards to the balance discrepancy, then I received notice from XXXX XXXX XXXX ( a collection company ) who SUSPENDED COLLECTION ACTIVITY. I do not owe XXXX {$340.00}. The account was closed on XXXX and I've had the account for XXXX and it's not shown up on my credit report until now. I paid XXXX {$260.00} on XXXX and {$280.00} on XXXX. XXXX has acknowledge the {$280.00} for XXXX but not the XXXX payment of {$260.00}. Where did the payment go? I have the cancelled checks which is all included in the aforementioned cfpb complaint in regards to this matter.
Product: Debt collection

I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with the credit agencies and noticed this inaccurate account on report. I have supplied proof under the doctrine estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, I presume that no proof of allege debt. I REQUEST TO SEE THE SIGNED DISCLOSURES WHICH STATES I GAVE PERMISSION FOR THSE ACCOUNTS IMMEDIATELY. I need identification of any information required to investigate the disputed information. According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c Block of information resulting from identity theft. The only person a debtor is obligated to pay is someone who suffers a financial injury, the person who executed any original contract, or who otherwise lent you money. I'm unsure of who MIDLAND CREDIT MANAGEMENT CO is as I have no contracts with this company or any other companies they may purchase debt from. My questions to MIDLAND CREDIT MANAGEMENT is : Who are you? 
What loan are you saying I received? 
What proof do you have that I received that loan? 
What documentation are you providing? 
When did you come into contact with this alleged account? 
When was the account allegedly executed? 
How would you have personal firsthand knowledge of anything at the time this account was allegedly executed? 

Yet most of the time those bringing suit ( XXXX ) to collect debts are those who neither lent money nor have since suffered a financial injury. Once under the conditions of the FDCPA, debt collectors have no legal right to ply the legal remedies owed only to creditors who make loans, including notices of default, assignments, substitutions of trustee, etc. Third party debt collectors have remedy only to sue in court for debts allegedly owed. I don't know if you have capacity or standing to sue me, I deny that you are a creditor or are anything but a debt collector who has no financial interest in this alleged contract and has suffered no monetary harm with respect to it. You are bringing forth mere hearsay without any firsthand competent fact witness to support your alleged 'facts. '' Debt collection is a legitimate business, but debt collectors can not comply with all the rules required for their business to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a letter dated XX/XX/2019 from XXXX XXXX XXXX, stating my recent request for prequalification for a XXXX XXXX XXXX card. And I also said that they couldnt give me a line of credit due to the fact of No Credit Report Found. I  have NOT applied for any credit recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not doing their job I sent certified letters and fax them
Product: Mortgage

On XX/XX/23, U.S. Bank XXXX XXXX, XXXX XXXX ( NMLS # XXXX ) and I agreed on a suitable loan rate for a purchase for a new construction home at XXXX XXXX located at XXXX at XXXX XXXX in XXXX, CA. As it was a Saturday, XXXX XXXX indicated that she would have to lock in the rate on Monday, XX/XX/23 but would honor the agreed upon rate if rates increased and if they went lower, she would honor the lower rate. She subsequently requested the necessary documentation which included my Driver 's License. On XX/XX/23, I received an email from XXXX XXXX stating the rate had been locked. On XX/XX/23, XXXX XXXX sent me a Disclosure document for signature when I discovered the rate was incorrect and higher. For a week after that, XXXX XXXX ignored all requests I made to revise the loan rate. Throughout the process, I attempted to contact XXXX XXXX multiple times, engaging my realtor, Builder 's Reps, and XXXX XXXX 's assistant. On XX/XX/23, XXXX XXXX, after being reported, indicated that she'd make the revision. She did not and I reached out to a builder 's rep again who reported the behavior to a supervisor. On XX/XX/23, without apology or explanation, I received the revised document. Because of how uncomfortable XXXX XXXX 's behavior made me, I decided to terminate the contract and request an earnest money refund. Upon emailing a letter to that effect, a day later, I received a call from a builder 's rep that XXXX 's XXXX of XXXX and XXXX refused to return the earnest money. Without speaking to me, the customer, she relied upon a timeline of contact provided by XXXX XXXX even though I previously provided XXXX as well. XXXX XXXX neglected to include that she had locked me in to the wrong rate and that it remained that way for a total of 9 days until she was reported to a supervisor. None of the contingencies have been removed ( appraisal not reviewed/signed by me, received no inspection, and loan approval is conditional ) and yet, I'm still being denied my earnest money. I also indicated to XXXX XXXX that I felt XXXX XXXX 's behavior was discriminatory due to the fact that the incorrect loan was applied and her refusal to correct it after I submitted my identifying documentation to her. Reflecting on this brought me to a point where I was too uncomfortable to continue with the transaction. To my knowledge, U.S. Bank was never made aware of XXXX XXXX 's behavior. As my claim of XXXX XXXX 's unresponsiveness was questioned by XXXX XXXX, I provided screenshots showing my requests adding there was also a phone call made by my realtor to a builder 's rep urging XXXX XXXX to call me as well as text messages between my realtor, a builder 's rep, and myself regarding the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXXXXXX {$2600.00} XX/XX/XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXX