23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a debt collection letter today ( XX/XX/XXXX ) stating a person who is not me owes a debt of XXXX to a XXXX XXXX XXXX from XX/XX/XXXX. Then there are offers stating if I pay a one time payment of XXXX my account will be paid in full and I must have payment in their office within 45 days. 
It uses portions of my maiden name but not my full same or any name I would have applied for credit under. There are no other identifying features such as account numbers, birthdate, ssn, etc. 
I have no outstanding credit or debt. I do not have any purchases that havent been paid in full and I do not know the creditor or agency attempting to collect. 
I feel that this is a scam/fraud in attempt to make me pay money or provide my personal information or there has been an identity theft and there is some fraudulent charge associated.
Product: Credit card or prepaid card

I had an AAFES Military Star card from XX/XX/XXXX. I was late on time on a payment in XXXX XXXX. At this time, I paid in full and closed the account. I recently put in a disupute to have this removed from my credit report. Instead of removing it they updated the information to reflect as it this happened in XXXX, XXXX and XXXX. This has caused my score to decrease and I want this fixed immediately. This account was late once in XXXX. It was paid in full and closed in XX/XX/XXXX and I would like that reflect on my credit report.
Product: Mortgage

On XX/XX/2022 I received a notice from NewRez/Shellpoint regarding my loan XXXX. The notice stated I was past due on the payment due XX/XX/2022. I reviewed my loan online and noted that I was also considered past due on the loan for XX/XX/2022. 

My payment amount was {$1400.00}. On XX/XX/2022 I called NewRez and spoke with a male representative. I recorded the phone call and it lasted about XXXX minutes. During this conversation the representative explained to me that my payments I made in the amount of {$1400.00} were applied to principal and not to my due date amount. The representative said this was because of an escrow difference and " their system '' applies it towards principal and then considers the customer late for the amount due payment. I received a {$50.00} late fee charge.

I expressed my concern that NewRez would not notify me sooner than XX/XX/XXXX of the late payment. NewRez stated they attempted to call me at a " work '' number and was unable to reach me. Despite putting my cellphone number on my original loan application, somehow NewRez determined that they should call an automated work number without dialing the proper extension or trying to get a hold of a switchboard operator to reach me. I filed a complaint with the company regarding their lack of attention to this matter. The representative took my complaint, and assured me that he would apply my payments towards my total due amount and reverse the late fee. 

I continued to check my account waiting for the changes to take place. On XX/XX/2022, I saw that the changes to my account were never applied. Additionally, a second late fee of {$50.00} was applied. I called a second representative, escalated my complaint to a supervisor. The supervisor assured me that the changes would be made. I stated my position that NewREz/Shellpoint is purposely deceiving customers when they accept our money, apply it to principal, then charge us a late fee for a past due payment. I'm concerned about the ethical implications this presents on NewRez. If this can happen to me, it is probably happening to hundreds, or thousands of other customers and NewRez is benefiting from the late payments of thousands of their " customers ''.

In my case, I'm savvy enough to know better. I'm concerned about the millions of customers who are unethically treated by mortgage companies such as I was by NewRez.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 reporti
ng 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dispute was submitted to XXXX was investigated and was removed from my credit report but is still being reported on my report by XXXX. Have contacted them with information showing XXXX removal but they are still showing it. This debt was satisfied. I was also included as XXXX of the class action suit individuals against them that was recently settled against them for phone calls to my cell phone in the past. Have n't received any settlement due to it but was advised I should after their appeal time ends. Old debt that was taken care of.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion, XXXX XXXX XXXX, and accounts connected to XXXX and XXXX, which I do not recognize. These accounts are potentially fraudulent and were improperly re-added to my credit report without providing me the necessary documentation to investigate or validate the legitimacy of the charges. 

Here are the key issues : 1. Re-addition and Re-aging of Fraudulent Accounts : TransUnion allowed XXXX XXXX to re-add previously disputed and deleted accounts related to XXXX and XXXX. These accounts were previously removed due to a lack of validation. I have provided evidence of potential fraud, but they were still re-added without a proper investigation or verification of my disputes. Additionally, the accounts have been re-aged, which violates the Fair Credit Reporting Act ( FCRA ). 



2. Negligence in Addressing Identity Theft and Medical Incapacitation : I filed an FTC Identity Theft Report and provided proof of my medical incapacitation ( including a hospice certification ). During this period, numerous individuals had access to my devices and personal information, making it impossible for me to monitor accounts. Despite this, the creditors and TransUnion ignored my incapacitation and the identity theft report and closed the case without addressing the fraud or providing any documentation to help me investigate what could have happened. 



3. Failure to Provide Transaction History : I have repeatedly requested full transaction histories for these accounts, including merchant details, dates, and authorization records. This documentation is necessary to determine whether the accounts are legitimate and meet the standards for filing a police report for identity theft. Instead of providing the necessary records, XXXX XXXX continues to send incomplete validation documents that only include the account balance, which proves nothing. Without seeing transaction-level data, there is no way to verify who made these charges. 



4. Exploitation of My Vulnerable Status : I am currently judgment proof following bankruptcy, and my ongoing health issues make it difficult for me to engage in lengthy disputes. XXXX XXXX, XXXX, and XXXX are exploiting my vulnerable status by failing to provide documentation that would allow me to investigate potential fraud. They have been provided with ample proof of my situation but continue to ignore the requests for transaction histories. 



5. Continued Violations of the FCRA : XXXX XXXX is engaging in delete and re-add practices and manipulating balances and account dates without explanation. This violates the FCRA as they are re-aging the debt and adding previously disputed items without any new evidence or validation. The lack of transparency and refusal to provide meaningful verification is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( these accouts are not mine )
Product: Mortgage

I applied for a refinance on my own in XX/XX/2020 with my current lender Mr. Cooper aka Nationstar. I paid for an appraisal and worked through the process of the loan. Without further notification I logged into the web portal for Mr. Cooper to find out that my refinance loan had been closed. This was in XX/XX/2020. To date, I have not received a response as to why.
Product: Credit reporting or other personal consumer reports

Dealing with this, Bank has been a major problem. They continue to ignore me and disregard my attempts to give them information regarding my status as a victim of XXXX XXXX They have been very cold-blooded in their nature when I called contact them, but in addition, they are flat out, ignoring anything that has to do with me not paying them. However, I have explained to them on multiple occasions that discharges werent even made by me although I did apply for the account I was Doing so in distress and ultimately had the account hijacked away from me by my perpetrators.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXXXXXX XXXX BALANCED {$910.00} XXXX  XXXX BALANCED {$640.00} XXXX XXXX XXXX BALANCED {$500.00} XXXX XXXX XXXX BALANCED {$520.00} XXXX XXXX XXXX  XXXX BALANCED {$4200.00} XXXX XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXXXXXX BALANCED {$770.00} XXXX XXXX BALANCED {$1700.00} XXXX  - XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is issue with ADP. Since the beginning of 2022 my company has been unable to print out checks without encountering error message which will take over an hour before printing. 
I made several complaints with ADP and eventually I was told that this is due to having too my employees, just XXXX employees. I told ADP supervisor that my company had 400+employees before and did not have this problem. The supervisor suggested I should switch to another option which will cost around {$1000.00} per month. Presently, my business is paying just {$32.00} per month.
Product: Credit card

I have had many credit cards and I have never experienced this. Capitol One has been charging me an " over the limit fee '' every month, despite the fact that I pay at least the minimum payment ( {$75.00} ) and do n't use the card! They have designed their system so my account will never be paid. Every time I tell them it is illegal, they reverse the charge, but then they turn around and do it again! 

It is essentially a pay day loan pretending to be a credit card.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments 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 an 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: Credit card

The response received on XX/XX/XXXX indicated that Macy 's would be billing me XXXX for the amount they sent a check to me in error due to a mistake they made. The statement balance is still showing as XXXX which includes fees they charged me due to the mistakes they made. I am sending a check for XXXX to Macy 's. They have no right in charging me late fees due to errors they made during the investigation which included telling me to hold onto merchandise that came to my house and make incorrect credits to my account sending me a check in error, hitting my credit report in error multiple times. Billing doesn't even explain any charges. It is Deceptive. From the day the fraud started on and I reported it to Macy 's they failed terribly. This is not right at all how this has been handled and the time and pain it has caused me. MOST OF ALL I NEED MY CREDIT REPORT corrected you are preventing me from even trying to apply for a car loan as I do not want to get hosed the rate. Your errors and mistakes are impacting my credit! 

Reference : XXXX and XXXX PS. I have had an account with Macy 's since XXXX, a loyal customer and shopper. You have ruined that. Honestly I can't image what you have done to other customers who are not aware of the resources such as the CFPB.
Product: Credit reporting or other personal consumer reports

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 

The accounts are as follows XXXX XXXX Balance {$450.00} XXXX XXXX/ XXXX Balance {$220.00} XXXX XXXX XXXX Balance {$1900.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.

XXXX XXXX XXXX Balance : {$390.00} & XXXX XXXX Balance : {$1900.00}
Product: Checking or savings account

I opened a checking and savings account with Huntington on XX/XX/XXXX. I had no issue with it until in late XXXX, on XX/XX/XXXX I deposited a check that was worth {$2500.00}, which is within my mobile deposit limit and was perfectly valid. In response, without notice, Huntington closed my account entirely, leaving me with none of my money and to figure out why my card was declining on my own, even though they released the hold on my deposit days later, on XX/XX/XXXX. After reaching out to the bank over the phone and in person multiple times, it is nearly a month later, and I still do not have the money that I was entitled to, and Huntington took from me. They claim that it's in the mail, but the extensively long time Huntington took to close my account, according to the person in the bank, finished on XX/XX/XXXX, the lack of notice, the fact that the check was not " altered '' in any way, shape or form, and that I have not had access to my funds for such a long time is more than a mild inconvenience, and is an abuse of their power.
Product: Credit card or prepaid card

I was told that I can not use my credit card due to too many payments. I often use my credit card because I dont like to use cash. In a 12 day span I made 4 payments. I recently made a payment that placed my account on a 26 day hold and I was told that the funds wouldnt be available until XX/XX/XXXX.
Product: Debt collection

On XX/XX/year> I seen that a collection was added along with a address was added to my credit through Fair Collections & Outsourcing. I have dealt with them around XXXX of XXXX  because of identity theft I told them that this is the same situation but they told me they have to still investigate the matter. They know I have never stayed in XXXX XXXX XXXX because I didn't stay in the other place they said I stayed at. They said they had my account since XXXX & they been trying to reach out to me through mail at the address of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX but once again i dont know stay there! This account was open fraudulently & I want it off ASAP.
Product: Credit reporting or other personal consumer reports

I recently received a small claims lawsuit from a debt collection agency regarding an alleged debt that has never appeared on my credit report. I was never notified by this company prior to receiving the lawsuit, and I was not given the opportunity to validate or dispute the debt before legal action was taken. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to receive proper notification and validation of any alleged debt before any adverse action is taken. 

Under the FDCPA ( 15 U.S. Code 1692g ), I have the right to receive a written notice detailing the debt, including the original creditor, the amount owed, and my rights to dispute the claim before any legal action is pursued. Failing to provide this notice before taking legal action is a violation of consumer protection laws.
Product: Checking or savings account

I deposited my annual bonus check {$17000.00} for third year in row with my bank. This is same account direct deposit every week for more than XXXX  years. 
When I saw XXXX Business Days hold on the check, I notified bank that this made no sense, was not necessary. Even though they were made aware of this issue, they kept the funds frozen for an additional 6 days after I notified them. And it still says pending though funds became available 9 Days after deposit. I have been a loyal customer with the same account since XXXX. I wrote and called repeatedly and got no reasonable explanation. Representatives said it did not make sense to them either. I said then escalate this because I have bills to pay and I am traveling. No matter what I said or wrote TD refused to release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights In accordance with the fair credit reporting act XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to my 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: Debt collection

The company Diversified Consultants sent a letter saying that I owed a debt and that I had a certain amount of time to respond before reporting to credit bureau. I responded with a validation of debt letter. They sent me a one page statement allegedly from the phone company. This alleged bill had my name as well as someone else 's name. I have never shared a phone bill account with anyone. This statement did not verify this debt belonged to me.