23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX asserts no impact to personal credit score when running XXXX small business credit card application. 
My personal credit score was impacted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.
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 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 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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Bankruptcy Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I value your assistance in removing a portion of the data in my credit file that resulted from fraud. I have accounts that need to be taken out. According to FCRA Section 605, you are required to remove any records listed in an ID THEFT REPORT # XXXX. I have already included this report in a previous letter, and I am including it again. I have informed my attorney of my intentions, and they are prepared to hold you accountable for any continued non-compliance. Please address the following : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute negative credit activity reported by Experian on my credit report. I recently reviewed my credit report and identified inaccurate and/or unfairly reported information that is negatively impacting my credit score.

According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate, complete, and verifiable. I believe this negative activity is either incorrect, outdated, or unfairly reported. I have attempted to resolve this matter directly with Experian but have not received a satisfactory resolution. 

I kindly request that the CFPB investigate this matter and take the necessary steps to ensure Experian corrects or removes the disputed information. Enclosed are copies of relevant supporting documents, including my correspondence with Experian and any proof that supports my claim. 

I appreciate your time and assistance in addressing this issue. Please keep me informed of any updates regarding my complaint
Product: Credit reporting or other personal consumer reports

I am writing to formally follow up on my previous complaint regarding the failure of my credit bureau remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of the Credit Bureau may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. 

XXXXXXXX XXXX XXXX XXXXXXXX I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchase a car from car max in XXXX for XXXX dollar. I had the car until XXXX was repossessed. The finance company was XXXXXXXX XXXX. I get a credit alert that collection agency was XXXXXXXX XXXX I never received anything about how much the car was sold for or nothing. I call XXXXXXXX XXXX to see why it was on my credit for owning XXXX its no way I had this car for 6 years and still own this amount. So I agree to pay XXXX a month and reduce to XXXX was the agreement but they still have it on my credit for XXXX its making my debt on my credit high. I just want to know how much is actually own and what can I do to get the XXXX off my credit. Im trying to resolve this matter. I also reach out to credit bureaus and file a dispute and they said its accurate its no way XXXX is still owe out of 6 years. Thanks
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/XXXX and prior, Ive been going back and forth w/ Navient regarding several issues with my account. Being that several people were emailing me in regards to my concerns. No one was really checking my account for notes prior to contacting me after the last person. 

Anyway, the remaining issue still exists. On XXXX  report under Navient, instead of 2 accts. Only 1 acct. shows for Navient, that account shows as CLOSED, that acct. also has in the remarks section that they were included in my Chapter XXXX Bankruptcy ( Case # XXXX, filed XX/XX/XXXX, XXXX XX/XX/XXXX ) IF you so choose look up this public record, it will confirm that NO STUDENT LOANS WERE INCLUDED IN MY CHAPTER XXXX BANKRUPTCY. I have told all 3 credit bureaus this repeatedly, they have not removed this information. I have requested repeatedly from the student loan servicers to have this information removed & reported accurately. Instead on my report it just shows, consumer disputed ... .consumer disputed. Im disputing but nothing is being resolved. Whats the point in going through their processes in contacting them if they dont care? Please enlighten me. It is MY credit scores that are effected. It is me, thats buying a home. 

They can send out the right paperwork when billing but not care what the credit bureaus report based on THEIR information. Thats not ok.I need all Navients information to be reported accurately across all 3 credit bureaus. There are 2 ( TWO ) accts. not one, both are OPEN, under no circumstances were either filed in my Chapter XXXX Bankruptcy. Correct it. 

ALL DOCUMENTS ARE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX PA XXXX is a fraudulent address listed on all 3 credit bureaus and every account associated with that address is fraudulent as well. Please assist in removing this information off of all 3 credit bureaus and my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting incorrectly. I never payed late and this is reflecting multiple late payments. It is actually reporting a lot of inaccurate information which i have circled on a copy of my 3 reports which i have attached to this complaint. Please remove the late payments this is hurting my ability to obtain credit, and report them as paid on time. If you want to remove all reporting of this account do so.
Product: Checking or savings account

Bank of America charged me an overdraft fee for the account being overdrawn by couple of dollars. They charged a hefty {$35.00} for that.     Usually other banks do n't charge you such overdraft fee if the account is withdrawn by {$5.00} or less. This is definitely deceiving.     The other thing is that it did n't even show any negative balance so I can go and deposit some funds to cover this overdraft. I had  an   XXXX   XXXX    Credit Card charge of {$4.00} and another restaurant charge ( was still pending final amount ). Once those  XXXX  charges have posted, I was hit by an overdraft overnight. It usually shows a negative number ( marke d in Red ), and this gives the chance for me to go and deposit some money to bring that number back to positive.      On the other hand, my account cut off time is  XXXX   XXXX  ET ( While I am living in California ). This should be always  Pacific Time a ccording to my residence. So Whenever I need to protect myself from account overdraft, I always have to think of Eastern Time which is  3 hrs ahead of Pacific Time. ( While I am living in California ). Its definitely frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Debt collection

At the end of XXXX this year, I went to the hospital and paid expenses up front for my visit. Later received notices for a physician bill I was unaware of until it was being handled by XXXX. The bill was for {$92.00} and it took a couple months for XXXX to verify the debt with me, so then I paid directly to them. I was also receiving calls from HRRG stating that I owed the {$92.00} physicians bill that I already paid, and I had never even received physical notice from HRRG that they were tying to reach out. I asked them why I havent received anything and they told me they mailed out a notice in XX/XX/XXXX and XX/XX/XXXX, then I asked them what my address on file was and she then told me they dont have one. Well I asked how they are supposed to notify people of a debt before its in collections if they dont send out letters, and she followed up with will you be taking care of this with debit or credit I explained that I already paid and she told me okay and disconnected. A few weeks later I received a call again to collect the debt so I called back and provided the exact date Id paid the bill to XXXX : XX/XX/19, and they told me theyd reach out to XXXX to confirm and if it was paid theyd stop their attempts to collect. Theyve called three times this week. They have no reason to call me and they continue to do so after Ive provided everything theyve asked for to verify that Ive paid the bill.
Product: Checking or savings account

On Friday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I contacted Huntington Bank to handle a bill of sale from an automotive dealership in XXXX. I contacted the customer service department so they could handle processing a 1099a acquisition form to settle the bill of sale via my trust. They could not handle my situation because they were in another country and unfamiliar with the process. I was transferred to an agent/supervisor, XXXX, who is located in XXXX XXXX XXXX XXXX She told me on a recorded line, which can be retrieved for verification, that she could not handle my situation, even after I asked to speak to a manager in the Wealth Management Department. She told me she did not have their contact info but sent them an email to contact me.

Huntington is failing to honor their fiduciary obligation as my trustee of my trust, XXXX XXXX XXXX XXXX XXXX XXXX  managed at their bank since XX/XX/XXXX. Today 's request was to submit the bill of sale to the U.S. Treasury via the 1099a, 1096, and 1099OID. 

I want Huntington to honor their obligation as my fiduciary agent, knowing they already submit documentation to the Treasury on my behalf. 

Please let me know how this matter will be handled. 

Thanks. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account, XXXX, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding accounts that were fraudulently opened in my name due to identity theft. After reviewing my credit reports from XXXX, XXXX, and Equifax, I identified multiple accounts that were opened without my knowledge or consent. These accounts were listed as fraudulent, and I am requesting the CFPB 's assistance in resolving this matter. 

I have also attached my official Identity Theft Report to this dispute, which provides details regarding the theft of my personal information and is being submitted as part of my claim. 

The following accounts are the subject of my dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Debt collection

I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX, Navient XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.
Product: Mortgage

In XXXX we formed an XXXX XXXX for a small commercial property in XXXX CA. 

It was an inheritance and XXXX XXXX XXXX called the loan based on my fathers death. 

We had a relationship with Washington Mutual so we reached out and explained our needs In XX/XX/XXXX we came to an agreement secured a 15 year fixed loan which terminates in XXXX of XXXX We thought our loan was 15 year fixed and our last payment would be our last payment. 

In XXXX of XXXX our group had a bit of a riff. I requested an Amortization schedule as part of due diligence as a Managing Member. 

This was the first time I was aware of a balloon payment associated with our loan. 

I called again after we resolved and was told there was no balloon payment by a rep. I was still uncertain however I did not pursue it at that time as we had a loan called prior and were in no position to pay off our loan at that time. Now we are. The loan is now serviced by Chase. 

I reached out to Chase with my concerns in XXXX. We moved from our initial contact to another department and traded several emails and one initial phone conversation and one recent group call from Chase and two different departments. 

I admit to being a bit unsophisticated at signing. I did not know what a XXXX XXXX loan or an Actual XXXX was. I did question the XXXX have a balloon payment at the time and it was explained in case there was an issue down the road. 

We feel there was insufficient disclosure. We brought this matter to Chase. They feel there was. We are in disagreement. 

The the Note does say XXXX have a balloon payment There is no other description An Amortization schedule was not provided at signing Washington Mutual Billed XXXX XXXX but charged Actual XXXX they then took the difference between the actual XXXX and XXXX XXXX and added to the difference of the principal monthly. 

We feel disclosure was insufficient and had we known that we could we would have made extra payment to account for the difference if we could. In fact even now we are unsure if we could have due the rather aggressive prepayment schedule with our loan. 

Our argument to Chase was based on the way the loan was structured and billed there was a known balloon payment from the beginning by design of Washington Mutual. Furthermore, it was disclosed inadequately. 

This and lack of the Amortization schedule would have alerted us to this. 

We sought out Chase to correct this. They denied and defended the note and feel that disclosure was sufficient as of yesterday.