23daVinci/CFPB_Complaints huggingface dataset:
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. 

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 did NOT give written permission to anyone at any time to furnish this information. The following accounts have are in violating my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that the same accounts was erroneous. The XXXX, Equifax and XXXX credit Bureaus are required to reinvestigate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated.
Product: Student loan

I spoke to on the phone to the representative and was told that my payment could get an override, i.e. changed from the incorrect amount they charged me of {$5000.00} to less than {$400.00} ( date of phone call XXXX/XXXX/16 ; representative name XXXX ). This did not happen. Instead I was charged {$5000.00}. The company 's response was to do a forbearance, but this is not a reasonable solution, since on my repayment plan I will just have to make a similar payment at the end of the repayment period.
Product: Mortgage

Rushmore Loan Management bought out our loan was told I was 3 months behind my husband 's daughter paid the loans to catch it up. I paid off the loan early I thought logged into the web site it says I owe almost 16.00. I then received a notice that I owed a deferred payment of almost XXXX called and was told that I have three payments behind was told that I could make payments until it was paid because it is due in XX/XX/XXXX so I sent XXXX  last month they kept the money it shows it is in escrow account sent XXXX More then sent XXXX  to make sure the deferred payment was paid off. Noticed today the second payment of XXXX was returned plus the XXXX was returned. I called them was told we do not take partial payments but yet they still have the first XXXX I sent and I'm still getting letters that if I don't pay it off beforeXX/XX/XXXX they will foreclose on our home
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card with XXXX ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ) was opened in my name without my knowledge or consent. I never filled out an application ... i had never even been on their site. When I received their credit card in the mail, I not only immediately checked my credit report and put out a fraud alert, I also contacted XXXX directly. I had to leave a message with their customer service department because the fraud department was unavailable. Approx. 2 weeks later, I received a letter in the mail stating that the account was sound ... meaning they didn't ' find anything fraudulent about it and left the account open. I immediately contacted XXXX again, and they said because the information ( except for the email address ) was correct there was nothing they could do. I again informed them that I didn't open the account, obviously my information had been stolen. They didn't seem to care because they said there was nothing they could do. I instructed them that they needed to close account, which they did but they reported back to the credit bureaus that the account was accurate. So, now my credit report is inaccurate and i still have no idea how this account was opened. They never provided me a copy of the credit application that I supposedly filled out and signed. I am in the middle of a bankruptcy and am unable to apply for any type of credit at the moment, which is why I am 100 % certain I didn't apply for this card. I have no supporting documents because I never filled anything out. All the information i have is from XXXX. I have submitted a complaint with the XXXX XXXX XXXX for this exact same issue. I want this to be reflected correctly on my credit report ; which is that the XXXX account is a fraud account.
Product: Credit card or prepaid card

I received a notice in the mail about a credit card application being submitted in my name and they needed more documentation. I did not submit the application. I called the credit card company and they closed out the application. I notified my police department and submitted a case report that someone was using my information to fraudulently open a credit card in my name.
Product: Debt collection

On XX/XX/2019, I arrived at my office and received a summons. The summons contained information regarding the amount owed, the name of the creditor ( which is a medical provider ), and personal information. Additionally, I asked the creditor for a copy of the debt and I did not receive the information.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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. 


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 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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with 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 my account 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.

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 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

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Bank of America has charged us over {$200.00} in overdraft fees recently because we lacked sufficient funds for a bill pay service utilized to send payments to the artists we employ. As a registered 501 ( c ) ( 3 ) nonprofit organization, our resources are limited, and these fees pose a significant burden on our operations. Such fees can have detrimental effects on businesses like ours. Therefore, we kindly request your assistance in waiving these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX received a Cease and Deist by certified mail. Attached is the proof of delivery, cease and desist and invoice. XXXX XXXX is to cease and desist all forms of communication with me through all mediums. A consumer report is in fact a medium. And by reporting the account it is a indirect communication. By not deleting my account from all credit reports, XXXX XXXX is in direct violation of my Cease and Desist.
Product: Checking or savings account

On XX/XX/2021 I received an email from my credit card company that my payment was returned by my bank. I called th3 credit card company to assess the issue as I have never have payment was posted to my account on XX/XX/2021 by the credit card company. Now I havr been making payments with my credit card company for a whole year. If they give you a post date the will take the funds from your bank the NEXT business day. I received a post date of XX/XX/2021. USAA stated that the credit card company attempted to take the funds on the XXXX and because it wasn't available they returned the payment. USAA didn't post the payment to my account to make my account negative to give me the opportunity to add additional funds to my account to bring it back position like most banks that don't try to charge you erroneous fees. They magically show you NO ACTIVITY of the negative item they just charge NSF fees for phantom items that are never presented to my account. I believe USAA has bad banking practices and doesn't have the best interest of the military and their family in mind when creating these practices during a global pandemic. I believe they are trying to get money from their members they have lost because of the global pandemic.
Product: Credit reporting or other personal consumer reports

My accounts with XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  were never late! I have had exceptional payment history witH capital XXXX 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 in XXXX, XXXX, XXXX, AND XXXX 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. XXXXXXXX XXXX XXXX and 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 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 am writing to formally dispute the accuracy of information reported by Absolute Resolutions Investments regarding an account allegedly owed to XXXX XXXX XXXX XXXX. I would like to bring to your attention several critical issues surrounding this account, including a violation of the Fair Credit Reporting Act ( FCRA ). 
1.Account Details : Creditor : XXXX XXXX XXXX XXXX Debt Collector : XXXX XXXX XXXX Date of Dispute Initiated : XX/XX/year> Date of Negative Reporting : XX/XX/year> XXXX. Background Information : I initiated a dispute regarding this account on XX/XX/year>, requesting validation of the debt. However, XXXX XXXX XXXX posted a negative remark on my credit report on XX/XX/year>, before the legally mandated 30-day dispute period had expired. This action is not only premature but also constitutes a violation of the FCRA, specifically Section 623, which mandates that furnishers of information must not report information while a dispute is pending. 
3. Lack of Documentation : The documentation I have received, dated XX/XX/year>, does not substantiate their claim. Specifically : here is no contract with my signature indicating that I owe this debt. 
here is no 1099-B form. 
The only items provided were copies of remittance coupons and proof of security purchase, which do not establish my liability. 
4. Request for Action : I am requesting the following actions : An immediate investigation of this matter under FCRA Section 609, which allows consumers to dispute inaccurate information. 
The removal of the negative remark related to this account from my credit report due to the violation of the FCRA while my dispute was pending. 
Verification of this debt per my original request, as I have not received sufficient documentation proving that I owe this amount. 
5. Legal References : I am asserting my rights as a consumer under the Fair Credit Reporting Act, particularly : Section 609 : Right to request information regarding the account. 
Section 611 : Procedures for disputing inaccurate information. 
Section 623 : Responsibilities of furnishers of information during disputes. 
MY PROOF OF ID IS ATTACHED FOR THE CREDIT REPORTING COMPAINIES
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Equifax have 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, and I HAVE NOT given ANY consumer reporting agency written instructions to furnish anything. 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 purpose.15 USC 1692b without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. I have not given consent to ANY collection 's agency REMOVE ALL LATE PAYMENTS AND COLLECTIONS FROM MY CREDIT PROFILE IMMEDIATELY!
Product: Debt collection

I was under influence of XXXX  for health issues after XXXX XXXX in XX/XX/2018 and was forced to sign on a car loan by my live in partner who bought a car on his own paycheck and put on refinance with my credit.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days 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. 


XXXXXXXX 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 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 XXXX
Product: Debt collection

All DEBTS PRIOR TO XXXX/XXXX/XXXX HAS BEEN DISCHARGED THRU MY CHAPTER XXXX BANKRUPCTY A CREDITOR NAMED ( XXXX XXXX CREDIT BUREAU ) IS REPORTING A COLLECTION WITH TOTAL OF XXXX WHICH SHOULD NOT HAVE BEEN ALLOWED TO APPEAR. THIS HAS BEEN PLACED ON CREDIT REPORT ILLEGALLY AS OF XXXX/XXXX/XXXX
Product: Debt collection

This company is furnishing my report with an account related to identity theft traffic
Product: Debt collection

XXXX XXXX tried to collect for a debt from XX/XX/2011. The debt was sent to Midwest Recovery. This account is too old to be reported, and it is also not my account. I recieved no communication from Midwest Recovery on it. They put the info on my credit report.
Product: Debt collection

Received collections letter from Receivable Mgmt Group regarding alleged medical debt. Asked company to verify / substantiate debt, have not received any  proof that the debt is mine. Ask to have debt removed from my account.
Product: Checking or savings account

My account was closed after receiving my IRS check and funds were all taken. Ive asked for further assistance but they havent responded to my emails or phone calls
Product: Debt collection

XXXX XXXX XXXX XXXX is attempting to collect a debt for {$810.00} I never incurred through a collection agency. I have never visited nor heard of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sold the debt to Wakefield and Associates LLC, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. Wakefield and Associates are claiming the debt is for the date XXXX and I have discharge papers from XXXXXXXX XXXX for this day. My debt with XXXX XXXX has been settled.
Product: Credit reporting or other personal consumer reports

To whom this may concern, My name is XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

Subsections 1681-2 ( a ) and ( c ) and 15 U.S.C 1681-B, to demand immediate removal of the listed accounts in my report and in this file. These accounts were added without my expressed written consent, a violation of my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts in my statement. Additional Unauthorized Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX