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

I have a lot of info on my credit report that is not correct and I had identity theft with a checking account and the address below do not belong to me. Please remove incorrect info Never Lived at the below address XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My address is XXXX XXXX XXXX, XXXX Ohio XXXX and i have lived there for over 10 years Please remove all other addresses address Below inquires I never applied for anything during this time, please remove these from my credit report. This is very scary, Im young and don't even want credit at this time. 

XX/XX/19 XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/19 XXXX  AZ 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 XX/XX/19 XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XX/XX/19 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

This all began in XX/XX/2021 if my memory serves me correctly. I receive a call from this lady telling me that she is collecting money from me that I owed from a personal loan company. Due to the pandemic, I was unable to continue paying the loan and it went to a 3rd party agency I guess. This lady was extremely rude. It was oppressive speaking with her, as I felt berated by her tone. Anyway, I setup arrangements to pay bi-weekly and honestly it was because the woman freaked me out. She acted as though she was an attorney and like she was threatening me with actions that she legally can not do. she intentionally set up the payment on my pay dates and would attempt to withdraw the funds before my bank even processed my pay. I received several calls from my bank inquiring about the agency. I honestly don't even think I owe the amount she said I did. I honestly feel as though she is a scammer and I don't know what to do. I would welcome the opportunity for someone to be on the telephone when she calls to witness this rude oppressive harassment. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of these and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$310.00}, XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}
Product: Credit card

Let me be really clear at this point, I will not tolerate being discriminated against by you for being from the XXXX XXXX, you provided false information to a complaint raised to the CPFB a federal agency. 

Your last response to the CFPB, stated very clearly in writing, a lie. You wrote in your response that I was told if I had not completed a tax return, I should call you. This is blatantly untrue. 

The email is attached, the email says that if for any reason I am unable to complete the form, I should contact you, to be clear, there is no reason I could not complete the form, so I signed it and sent it back to you, I did then contact discover, who explained to me how to fill out the form. 

The Equal Credit Opportunity act requires you to not discriminate based on national origin, I did not know what this form is, nor what information the IRS holds about me, since I'm not from the XXXX XXXX. Failing to provide information on this, or an alternative means that you violated this law. 

To be clear, this is a blatent violation of Federal Law. You will not be allowed to get away with this, DO THE RIGHT THING AND RESOLVE IT. This isnt about some corporate power struggle, you have ruined my credit score, on purpose, because of my national origin. Thanks a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below violated my federally protected consumer rights to privacy as well as confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX for XXXX XXXX account # for Experian XXXX for XXXX XXXX XXXX XXXX- account # XXXX for XXXX account XXXX for Experian XXXX XXXX # XXXX XXXX XXXX account for XXXX # XXXX XXXX account # for Experian XXXX for XXXX XXXX XXXX XXXX account XXXX XXXX for XXXX, account XXXX for Experian XXXX XXXX XXXX XXXX XXXX account number for XXXX # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX for XXXX account # XXXX for Experian for XXXX XXXX XXXX account # for XXXX, for XXXX XXXX XXXX XXXX XXXX account for XXXX XXXX XXXX XXXX account for XXXX All violated my rights 15 USC 1681 section 602A states that I have the right to privacy. 15 USC1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX 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, In accordance with Fair Credit Reporting act XXXX  account # XXXX has violated my right 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 instruction.I sent a letter to Experian, XXXX, XXXX, on XXXX its been well over 30 days i still have not received anything back according to 15 USC 1681 ( a ) (! ) ( A ) Experion, XXXX and XXXX have 30 days to respond to my dispute This is a violation of my right. According to 15 USC 1681. I have the right to privacy and i did not give XXXX, XXXX, Experian written permission to furnish these accounts
Product: Credit reporting or other personal consumer reports

To whom it may concern I have read through my credit report, and it does not make sense of this data that is on it. 
I need your help and would appreciate it an expedited investigation on this collection account that should not be on my report A collection is late by default and therefore can not report a late or past due payment. Please remove account for violation Account name : XXXX XXXX and XXXX Account Date : XX/XX/XXXX Collection Original Account : {$2800.00} Collection Current Balance : {$4800.00} as of XX/XX/XXXX Please send me updated credit report showing these changes Thank you very much
Product: Credit reporting or other personal consumer reports

My account with 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 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: Debt collection

The following accounts have violated my consumer rights : XXXX XXXX XXXX : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ).

Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ). 
Seeking prompt resolution per XXXX guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching XXXX compliance. XXXXmmediate action requested, including deletion of derogatory info.

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings.

Prompt attention and resolution expected.
Product: Debt collection

On XX/XX/2021 I have discovered an adverse reporting on my bureau with experian for a collection with a bank I have not had a relationship with. I have a collection on my account for {$30000.00}. I have disputed the matter with the credit bureau. I have also called the bank directly to find out what this was about and what their procedure to remove the claim was. Centerstate bank was completely unwilling to share practices on how to go about stopping the claim, including sending a police report filed for identity fraud. I have made the point if this was a valid collection, why was a letter, not one, was ever sent to us. It's as if this debt appeared out of nowhere. I'm not 100 % sure why Centerstate bank does not help us out or why procedures to dispute this are not handled. We are ready to formally proceed with whatever need to be does to prove this debt is not mine. 

Centerstate bank mentioned this was a mortgage for XXXX XXXX XXXX, XXXX, fl XXXX. A property we own and finance with XXXX XXXX XXXX. The mortgage ( balance around $ 58k ) is current and paid timely. This mortgage is also under my husband 's name, XXXX XXXX. Once again, how is there a mortgage for $ XXXX for a property that was never even under my name, with a bank we've never done business or signed a contract with? And once again, they are completely unwilling to work with us to fix this matter. 

The associate i've spoken spoken to at Centerstate bank was called XXXX in their winter park branch. She said she would 'call me back '. Her tone was telling that I would never get a call back from them. The phone number I dialed was XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to formally request the deletion and removal of specific accounts and associated information from my consumer report. It has come to my attention that the inclusion of these accounts and information on my consumer report is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly urge you to take immediate action to rectify this situation by deleting and removing them from my consumer report. 

The presence of these accounts and information on my consumer report not only constitutes a breach of multiple laws but also undermines the accuracy and integrity of my credit profile. It is of utmost importance that you swiftly address this matter and ensure compliance with the FDCPA and FCRA. 

I trust that you recognize the gravity of this issue and the legal obligations entailed. I request your prompt attention and immediate removal of the aforementioned accounts and information from my consumer report.
Product: Vehicle loan or lease

RE : CHASE AUTO XXXX Dear Consumer Financial Protection Bureau , The reason I write to you today, is because I have an auto account that is reporting me late, even though the account has been paid for years. 

Please find the below screen shot that is was provided to me by Chase. You will see, that from XX/XX/XXXX to XX/XX/XXXX there were no fees. Then, in XXXX, XXXX, a fee is assessed resulting in the consequent late payments below. 




Additionally, please note, that Chase is indicating to the bureaus that the payment status is 'late 90 days ' while in fact, the account is paid off with no balance showing. 


My credit has suffered because of their error and I would request that Chase remove this account entirely from my credit report, as recompense for their error, which has caused me to pay higher interest rates since this error was reported almost two years ago. 


Many Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  is inaccurately reporting on my credit with XXXX. They are inaccurately reporting an account I have with XXXX XXXX XXXX  ending XXXX, with XXXX XXXX XXXX XXXX  account ending # XXXX. The account is the same property. period of times and dates. 

I contacted them as well as XXXX previously indicating they had incorrect delinquent information ; they said they removed it. Although, in the summary, the account says it was paid as agreed, yet it appears on account # XXXX I was 60 days late in XX/XX/year>. This is false. 

I have copies of my XXXX XXXX  statements which show XXXX XXXX XXXX XXXX  electronically deducted the payments from my checking account for that month and the two months prior, so the account is not past due. 

Also, XXXX XXXX XXXX XXXX  's records for account # XXXX, which is the same loan and the same period, the Bank reports my payment was paid as agree and the historic payment history provided on this account do not report any my payment being delinquent in the payment history they provide during the same time.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized and incorrect. This inquiry is inaccurate and has negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS BEGAN ON XX/XX/2018 when I pulled my yearly credit report. XXXX XXXX XXXX collecting on the behalf of XXXX for {$610.00}. I have disputed ( via certified 611 letter ) this ONCE WITH XXXX  AND XXXX AND IT WAS PROMPTLY REMOVED. I have disputed this ONCE with XXXX. I have disputed THREE TIMES to date with TRANSUNION ... ONCE online and TWICE via TWO CERTIFIED 611 LETTERS. They have removed it TWICE and put it back for a THIRD TIME. TRANSUNION is the ONLY credit reporting agency, STILL reporting this fraudulent account. They also report as XXXX XXXX XXXX HAS ALSO PLACED THIS FRAUDULENT DEBT UNDER " XXXX '' ... it's AKA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported identity theft to FTC, I have police reports and evidence. I spent over 37 hours of my own time calling and writing to Equifax. XXXX and XXXX XXXX no avail. 

I have filed XXXX disputes they do not even look at evidence and are impossible to reach. This is the company who breached my information to begin with! They are not only responsible for data breach but they have done nothing even after being charged as guilty in court. How this company is still allowed to monitor the nations credit is just insane. Its criminal. 

I reported disputes on the following days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Over and over I have file disputes for the identity theft that I have clear cut evidence for. 

My identity was stolen and they opened up a XXXX XXXX, XXXX XXXX, XXXX and took out loans! 
My credit score was XXXX and now its XXXX! 
I cant get an apartment or a loan this is destroying my life! 
Destroying my credit and Equifax is partially responsible its incredibly ironic that they have control over my credit score!
Product: Debt collection

XXXX  ( XXXX XXXX ) XX/XX/XXXX I spoke with XXXX about ended my contract with them. I asked them of I owed thwn anymore money and if I did I wanted to pay it so I could end all ties with them. I was told I didn't not owe them anything bill was paid in full. I believed what they said and moved on to another phone company. After many months I got a letter saying I owed them XXXX  dollars I called and spoke with them about it and I told them what I stated above I tried to fix the situation and figure out how to resolve it even though it was on their end. They wanted nothing to do with they threatened to sue me, garnish my check, anything they had to do to get their money. I have XXXX children and Bill 's I have to pay I have tried to fix this and I need this off my credit I can't do anything with this issue.
Product: Mortgage

I received a letter dated XX/XX/2020 from '' XXXX XXXX '', informing me in this letter statement : " This letter is to inform you that we have received the request and will begin withdrawing the monthly mortgage starting on XX/XX/2020 ''. This amount was to be withdrawn from my banking account using my routing number and banking account number. But then I got another notice from " XXXX XXXX '' saying that " The Money Source '' ( TMS ) will begin excepting payment and managing my payments on XX/XX/2020. It turns out that TMS debited the mortgage  payment out of my checking account on XX/XX/2020. It used my banking information that it had on file from the previous times of me making my mortgage payments to TMS, that were set to auto pay electronically to TMS, before I even applied for refinancing through XXXX XXXX, on around XX/XX/2020. So because I was under the understanding that ( TMS ) would be debiting the payment for the following month ( XX/XX/2020 ), because of the auto-pay setting that debited the  XX/XX/2020 payment, it would make that next payment for me. But the payment was not made because TMS told me that the payment would not be automatically debited from my checking account that was, and still is, on file with TMS, to use to draft the payment. As consequence for  this XX/XX/2020 payment not being made, TMS reported me to the reporting credit agencies to let them know that I failed to make the XX/XX/2020 payment. Again, I was under the impression the payment would be automatically paid. This has had a negative affected on my credit score, in such a way that is preventing me from receiving refinancing at an even lower interest rate. I am veteran, and this has been a little confusing for me. Being a veteran is how I got this mortgage in the first place, and I do not think that I should be held responsible for the some what confusing information that I got from both of these companies regarding how the payment will take place. I have  always made all my mortgage payment on time with XXXX XXXX, as well as with TMS, before this latest incident happened. I hope that I can receive some fair help in dealing with this situation. Thank you. XXXX XXXX
Product: Mortgage

I have had on going issue with Phh Mortgage They misapplied my XXXX XXXX 2015 house payment to principal only, I contacted them XXXX XXXX 2015 and they have not corrected the situation they did finally correct XXXX XXXX 2015 house payment but have now done the same with XXXX XXXX 2015 house payment I have several emails from there customer service members stating in writing that problems would be corrected ( which they have not ) as of today XXXX XXXX 2015 I received papers from PHH Mortgage stating they intend to start foreclosure process.
Product: Debt collection

Im being charged from Best Buy credit card when Ive never gotten a credit card from them. They want to charge me over {$2000.00}
Product: Checking or savings account

I am filing a complaint for a second time regarding the multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This situation mirrors the recent findings by the CFPB regarding XXXX XXXX 's practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question!
Product: Credit reporting or other personal consumer reports

I have paid my bill on time with an automatic ach debit payment for over a calendar year and more on the twenty fifth of every month. Experian- social security number compromise. 

XXXX XXXX XXXX XXXX-This situation involves XXXX XXXXXXXX, XXXXXXXX XXXX XXXX. All completed payments and listed transactions have been satisfied while the entire time it's never once reported a successful payment and over a few calendar years. 

I have disputed it numerous times and also have followed numerous guidelines and channels, to correct the information and continue the information to remain correct factual status. 

I have received zero Credit building ; positive remarks or notations. It's potentially negative status has done nothing but cause negative remarks and negative information to anyone inquiring. It needs to be adressed and a solution applied. The company still chooses to not accept liability and also because of that response, there has been zero change even as I continue to pay the bill every month in full to the agreed amount that both of us have signed integrade to both of us, meaning capital one and myself.As the consumer.

2 ) EXPERIAN- the company experience contacted me over my chase bank credit app and mentioned there was a data breach in that my social security number was compromised.. 

This has caused unnecessary freezes on my account as well as alterations and um, and you know, financial adjustments that contributed to nothing but negative remarks and all things entailed. When situations like this occur on top of everything that has taken place. I have yet to receive Any settlement or compromise from the company Itself. i've been left with no one to talk to and no one accepting liability for the breach that occurred unbeknownst to me. Completely out of my control. 


Truly, XXXX XXXX XXXX