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

late payments 30 days each payment. my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 16813 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and I request that late payments be excluded and charge-off be remove from my consumer report 2 ) Accordance with the FCRA 15 USC 1666b required that I receive a notification in 1637b.I never received the disclosures in 1637b from my creditors This is what I have disputed on my credit with the credit reporting agency and they would not remove this information from my account, which are all violations of my right, I also want know the method they use to validate this debts on my consumer credit report the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE and XXXX XXXX. I have always made my payments on time. For some reason I realized that there were charge off accounts on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and CAPITAL ONE and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX filed a lawsuit for a credit card claim which I did not make. Case # XXXX in XXXX County District Court in  XXXX, Ky. Waited for over a year for it to go to court. Midland 's lawyer showed up before my case and did not have any complaint for me and judge dismissed the case for lack of prosecution dated XXXX. My lawyer wrote to the three credit reporting agencies, XXXX and XXXX removed the bad claim but XXXX refused to remove the false charge. This has been going since XX/XX/XXXX and I have filed complaints to them every month up to XX/XX/XXXX. Supporting documents are available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2019 {$250.00} Open balance XXXX  XXXX XXXX Original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached document detailing how this company is in violation of several of my consumer rights permissible purpose of consumer reports, THE LAW CLEARLY STATES any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( o ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Mortgage

Shellpoint Mortgage Servicer Is NOT a mortgage company but a debt collector, I got the paperwork they sent me on my loan modification that was agreed to by Ditech and that they never gave me, 1 ) Shellpoint had forced place insurance on my home when I had explained to them that I had insurance through my HOA Fees but now they need to go back and correct that.

2 ) Shellpoint was Escrowing Taxes when I had paid the taxes on my home myself again I explained that to Shellpoint.

3 ) Shellpoint denied the modification because their OWN Notary did not finish witnessing the documents XXXX, that they sent to XXXX. In fact, I have emails going from XXXX back to Shellpoint telling Shellpont that the Docs are not correct and to redo them and get them back out to XXXX who then brought them to my office where I knew there would be people around and I could find 2 witnesses. Shellpoint, wanted my deceased Mother to sign the docs, but they fail to mention too that she had been dead since XX/XX/2013. They already had a Certifitfied copy of her Death Certificate, which can be used as the deceased 's signature, a copy of the will of the trust, and her handwritten codicil giving me her 50 % of the property, not to mention that the property had already been transferred into my trust at this point, so it was a done deal. 
4 ) I have already filed a lawsuit in XXXX XXXX Superior court and been granted a TRO to stop any foreclosure on my home, by XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and I am working out a modification with XXXX as I type now. I now want Shellpoint to go back and stip out all the extra charges that they added to my account before they SOLD the loan to XXXX for pennies on the dollar.
Product: Credit card or prepaid card

To Discover, XXXX, XXXX, XXXX, & NJ Attorney General A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX, XXXX, & XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with Discover in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by Discover regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file complaint to CARMAX AUTO FINANCE for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXX XXXX XXXX XXXXI XXXX, TX XXXX. The FTC report numbers related to this complaint are XXXX, XXXX, XXXX, and XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and FACTA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.
Product: Checking or savings account

Navy Federal on XX/XX/XXXX Took XXXX from my checking account for a credit card that they had claimed a loss on in XX/XX/XXXX and are telling me that it's part of their practice and i have to go to the bank to get a copy of the signed agreement for the credit card. I called them and they were not helpful and kept talking about the credit card that was in collections and how i signed a document stating that they can just take the money out of my account without my approval or knowledge.
Product: Credit reporting or other personal consumer reports

Subject : URGENT DEMAND FOR IMMEDIATE CORRECTION OF CREDIT REPORT INACCURACIES Dear XXXX XXXX This letter serves as a formal demand for the immediate correction of inaccurate and outdated personal information appearing on my credit report with Equifax, XXXX, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to investigate and correct any errors without delay. Failure to comply may result in legal action.

Upon review of my credit report, I have identified several discrepancies that must be corrected immediately.

Additionally, the following reporting inaccuracies require correction without delay : Open dates Last reported dates Comments Date last active Date of last payment Payment History I have enclosed supporting documentation that verifies these inaccuracies. Per FCRA regulations, you are required to conduct a proper investigation within 30 days and correct these errors. If this matter is not resolved promptly, I will have no choice but to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

Furthermore, I demand written confirmation once the corrections have been made and require assurance that the corrected information is updated across all creditors and data furnishers who have received the erroneous data.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  Account XXXX XXXX XXXXmount : {$24000.00} XXXX XXXX # XXXX : {$0.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was approved for and incurred a debt consolidation loan from Upstart ; however, Upstart has not disbursed funds on the loan. The loan is accruing interest, and I have made my first payment on the loan. I have also personally paid off the debt this loan was intended to consolidate. I have called Upstart daily requesting information on the status of the disbursement but have not been helped. I have requested they provide a new amortization schedule for the loan based on a new disbursement date or cancel the loan altogether, but so far they are not willing to take any action on my behalf. The loan is reporting to the bureaus and is affecting my credit score. Please help me resolve this by either receiving the funds or terminating the loan altogether.
Product: Debt collection

American adjustment bureau continues to report to all 3 credit reporting agency 's on 3 different amounts and medical original debt. I have requested confirmation from the collection company to verify that I received a product or service, proof that they gave a contract to collect in behalf of original creditor and or an assignment of debt bought. I have only received a printed copy of there statement and noting that shows my id, signed paper. Any hospital or medical always asks for id. Also they have said I am unable to locate yet reside at same address as if XX/XX/2007.
Product: Credit reporting, credit repair services, or other personal consumer reports

I approved Bank of America application number XXXX, under transaction I.D . # XXXX, on the XXXX of XXXX, XXXX, upon me, applying my assigned allotted Social Security Number account, that registers a future commodity collateral security promissory note, interest bearing debit and its face value credit, but Bank of America is committing consumer fraud, by using my assigned Social Security Number account, for identity verification purposes, therefore attempting to establish the authenticity of any 100 % insured purchasing powers granted through my assigned Social Security Number account, as a gift to Bank of America, in lieu a benefit to me. 

Consumer Fraud is a deliberate misrepresentation on which a banking business intends for natural persons to a consumer account to rely. Consumer fraud is a form of misrepresentation committed by beneficiary seller banks or financial institutions against a buyer or a group of buyers that are natural person investment companies, to whom a banking business deliberately misrepresented any Social Security Number card thing with the intent that a natural person to a consumer account will rely on the misrepresentation that a SSN is used for identity verification purposes, resulting in harm or loss to par value, at least to some natural person consumer who believes so. 

Pursuant to Executive Order 9397 of FRANKLIN D ROOSEVELT, November 22, 1943, the Social Security Act assigned unduplicated account numbers to each individual blind trust or legal person formed by a state file number, and only allows the collection of SSNs to be used as consumer account numbers and does not authorize the collection of SSNs for identity verification purposes, which causes consumer fraud by a deceptive practice.

Therefore I am reporting this to the Federal Trade Commissions, Bureau of Consumer Protection that stops unfair, deceptive acts practiced, by lenders misrepresenting a Social Security Number account, for identity verification purposes, which is consumer fraud practiced by deceptive acts of banks.
Product: Credit reporting or other personal consumer reports

My account with the following company 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 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. 

The following company 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, credit repair services, or other personal consumer reports

Demand for re-investigation audit has not been completed for accounts reporting on consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach, XXXX Breach and the black market, I need these to be removed.
Product: Debt collection

Upstart Network Inc has been unresponsive to my many request to remove their incorrect posting from my credit reports. They state I have charge off balance owed in the amount of {$33000.00}, this account was discharged in my bankruptcy filing XX/XX/2018. I've contacted the Credit Bureaus and I have contacted Upstart Network Inc multiple times and they continue to report this incorrect debt on my credit reports.
Product: Credit card

On XXXX XXXX I was alerted by my XXXX XXXX credit card that fraudulent charges were being made through my XXXX account by an XXXX XXXX XXXX XXXX XXXX, Texas. I immediately called both XXXX XXXX and Citicard to close the accounts and refute the charges made. Citicard had three charges : {$24.00}, {$24.00}, and {$19.00}. XXXX XXXX had two charges of irrelevant amounts. XXXX XXXX and Citicard both immediately refunded my account for the charges made and issued me new cards. Meanwhile, I was never able to fully secure my XXXX account. I took my computer in to XXXXXXXX XXXX and even they, while working with XXXXXXXX XXXX, were not able to keep the hackers from getting back into my account. The best we could do was delete everything and never use XXXX again. A few weeks later, Citicard reversed the credit claiming that the charges were legitimate. They said because at one point in time I purchased XXXX XXXX XXXX XXXX, all the charges made from a completely different XXXX XXXX were therefor legitimate. I then submitted the police report number ( XXXX ), the screen shots, the nasty email from the hacker, as well as had the technicians from XXXX XXXX provided their documentation of this hack and fraudulent purchases. In XXXX, I saw they credited two of the charges, but left one of the {$24.00} charges on my bill as a legitimate charge. I canceled the account entirely but the agent I was speaking with promised me he could fix this and maintain me as a customer ( which I have been for almost 20 years ). Six weeks later, I'm still being billed for the {$24.00} and the only explanation is that I made an actual charge with XXXX at one point in time. The agents can see I should not be billed, but the investigation team seems to be unwilling to see the obvious : that this {$24.00} charge should be treated the same as the other two charges made at the same time from the same XXXX XXXX over a thousand miles away. Every time I call, they say they are fixing it, but it's been two and a half months and this bill is now due and I don't trust them to follow through. I no longer have my credit card number because I destroyed the cards. The original card was replaced with one ending with XXXX. I closed that account entirely and the new account the opened and transferred my remaining charge to ends with XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I lost money that was sent via XXXX and the recipient never received it
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights to privacy and confidentiality. 

15 U.S.C 1681 Section 602 A. States that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT  # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ..XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... 
XXXX XXXX XXXX ACCT # XXXX ... XXXX  XXXX XXXX ACCT  # XXXX ... XXXX ACCT  # XXXX ... XXXX XXXX  XXXX  # XXXX ... XXXX  XXXX  # XXXX ... that are listed on my credit report. 
Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.