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

Notice of Violation of FCRA 15 U.S. Code 1681s2 I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences.

However, to my dismay, these disputes have not been duly noted as required by law.

Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.
Product: Credit reporting or other personal consumer reports

My account with ( 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 ( MONTHS REPORTING 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 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: Mortgage

I have tried for several days to speak to someone about my mortgage. They WILL NOT allow you to speak to an agent / no one answers the call. How can this be allowed?? A mortgage is most people 's largest financial investment that they ever make and this company is absolutely not fit to be in business. Their web tools do not work. I have 2 mortgages with this company because the bought my loans. I did not choose them. How can CFPB allow a company to act this way with such horrible customer service? This is an industry that is too important to allow a company like amerihome to take over my mortgage without my choosing or consent and then not provide a usable website or any live agents. This is insane. I can easily get someone on the phone for any service that I use but I can't get a live service agent on a mortgage??!!
Product: Debt collection

To Equifax To XXXX To XXXX XXXX XXXX.D.O.B. XXXXSSN : XXXX XXXX XXXX, XXXX, Va, XXXX number : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Texas XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of Convergent Outsourcing. Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and Convergent Outsourcing to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requested ... PLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion/XXXX have done two investigation with the XXXX child support division and come back with the incorrect information both times, when I am able to call during any business hours and get the correct information from the first person I speak to. Transunion/XXXX   has my obligation starting before it was ordered to start, as well as missed payments when I have not missed one payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been made aware that my private and personal information were compromised in the announced Equifax security breach. Reports suggest that Social Security numbers, addresses, and more were taken.

Clearly this is hugely unacceptable and I can only hope that the government is working to punish this group for their mistakes!
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and other incoming deposit. Capital one cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concern about consumer Protection laws, and I request your assistance in investigation this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Accounts : 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 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 of 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

I have recently monitored my Credit Report is all Credit Berues ( XXXX, XXXX, and Experian ) and have noticed High Supeciour Fraud Activity in Unsolicited Credit inquiries. I have not made or Authorized any credit application on my behalf to anyone, card, or no new accounts, made by me At this moment. I have counted at least XXXX new inquires and three major Bank Card application inquiries, XXXX XXXX, and One bank XXXX. made from XX/XX/2022 thru XX/XX/2022. One is from XX/XX/2022, from XXXX. Also was unsolicited or Not initiated or made by me. 
The following accounts are Fraud. I never initiated or applied for this. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ANY Transactions, inquiries, loan applications, credit cards, or any type of inquiries applications, made after, or initiated after My Escrow account started with XXXX on XX/XX/2022 XXXX XXXX consider as fraud and it should be investigated as such. I have not used my credit to prevent any credit discrepancies and I was taking care of my finances so that I could've able to purchase a home. Therefore, this is very concerning and I would like to report this as Identity Theft and FRAUD Transactions. I am including my current credit report and have placed a Credit Freeze on All Credit Bureaus ' reports. effective today when I became aware of this.
Product: Mortgage

Despite having continuous coverage and my insurance broker and I sending 12 emails with proof of insurance, the 3rd party insurance verification company reported no coverage. Consequently, Amerisave placed an over-priced policy on my home and an escrow to my mortgage. This doubled my monthly payment for nearly one year, creating a major financial hardship in our home. 
After proving coverage 12 times, ( I have emails, my broker has emails, and XXXX has emails proving coverage ) Amerisave finally removed their coverage, and closed the escrow account. I called after the account closed asking when would the funds be returned so that I could make the payments I fail behind on, a customer service rep stated that I would received the {$6800.00} in 10-20 business days. After I did not receive the refunded escrow money that Amerisave should have never placed on my loan, I called and the customer representative said they will not return the escrow until I catch up on the two payments I fail behind. I reminded them that I fail behind because of the increased ( my monthly payment doubled ) payment due to the escrow. They still refused. I authorized them to take the payments from the escrow and return the reminder. They refused. PLEASE HELP. The mortgage company is creating a financial hardship by refusing to hold money that is NOT in escrow and thereby they are illegally withholding my funds with no justification other than missed payments, which are the result of them not RETURNING MY FUNDS.
Product: Debt collection

Greetings, My name is XXXX XXXX XXXX and I have been getting these letters from the city of XXXX XXXX district court on a debt that is a decade old for years now. This continuous harassment for years is criminal. The case # XXXX The plaintiff 's name is Midland Funding LLC as successor in interest of XXXX XXXX XXXXXXXX, the attorney 's name is XXXX XXXX XXXX XXXX P.C by : XXXX XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX Mi XXXX. This latest letter is filed as a Civil Judgement # XXXX. The court address is XXXX XXXX XXXX XXXX according to this letter the money Judgement was entered on this action on XX/XX/year> in the amount XXXX.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account 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 instructions15 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: Debt collection

I used a credit line with XXXXXXXX XXXX XXXX in XXXX and due to XXXX my wife could not work and we fell into hardship. Also I am a XXXX Veteran with a limited set monthly income and I am severely struggling to make due and provide for my family because of high costs today. Because of the hardship I fell behind in the payments. Now XXXX years later without any notification or attempt to collect the debt by Pressler , Felt & Warshaw , LLP. I also have never received a debt validation letter and I have requested a debt verification letter. They did not provide me an opportunity to work with them to make monthly payments to pay off the debt in full. Now on XX/XX/XXXX I am being sued for not paying the debt by this firm and I am in the process of filing a dispute and counter complaint with my local XXXX.
Product: Debt collection

The company called my mother and told her that I was going to go to jail if I did not get in touch with XXXX XXXX XXXX. Also, and address was needed to serve my paperwork for court. She gave the company my address and told them a time that I would be home so the said company can serve me some type of paperwork. The address listed on the paperwork is mine however, it was received by a neighbor of my mother. After, knowing my address. The neighbor daughter gave me this information a week after someone gave it to her father. The information provided has inconsistencies and multiple addresses. The paperwork that was given did not come in an envelope with a return address. A letter about debt repayment options was mailed to my mother house as well after my address was given.
Product: Bank account or service

Institution ( USAA Federal Savings Bank ) does not want to allow me access to websites and account information regarding an unsecured " personal '' loan that was used for business purposes. Originally I had access to this information but now the company is denying me access to any documents that reference or state the amount they approved of {$50000.00} and any history relating to it. ; This documentation is needed for financial reporting and records. They also canceled my automobile insurance which stayed up to date and other accounts I had with them and restricted online and mobile account access for quite some time due to this unsecured loan being charged off as of XX/XX/XXXX-XX/XX/XXXX. I contacted the company over the phone and in writing on several occasions and the company barely helped if any and the employees did n't even have the clearance or knowledge as to what was going on.
Product: Checking or savings account

I'm incredibly frustrated with USAA Federal Savings Bank for placing my funds on hold after depositing a check for XXXX XXXX which caused me to overdraft. After requesting the hold be lifted due to hardship, I received nasty responses and attitude. It's infuriating that ordinary citizens like myself are treated with such disrespect, while millionaires likely dont face this level of scrutiny.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX are reporting inaccurate information on my credit report. 
They have RE-AGED the date of last activity on my account, and in the FCRA lawbook under section 605 ( C ) running of the period it is a violation to re-age the date of last activity and it is a VIOLATION that I can sue them for up to {$1000.00} in fines. This week i am looking to take my credit reports to an FCRA attorney to start the process of seeking damages for EACH violation.
Product: Debt collection

On XX/XX/24 I received a debt collection notice from Selip & Stylianou , LLP Attorneys at Law trying to collect a debt in the amount of {$740.00} from original creditor XXXX XXXX XXXX. 
As of this date I have several fraudulent XXXX XXXX accounts not accrued by me that have gone into collections. 
I have put a freeze on my XXXX XXXX and done all I can to resolve this matter. 
This debt is not mine and I am asking for this debt collection agency to recognize that and close this account immediately. 
I also have a identity theft report filed with the Federal Trade Commission and the reference number for that is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues reported open with closed account and balance with XXXX XXXX that been closed not listing dispute or verifying account they continue to report a balance on closed account They failed to provide verification of accounts which could not be verified reopened and account status that was once reported closed, they continue to do so and reset the statue of limitation which is against the law. They continue to report account verified that could not be verified by the reporting company XXXX XXXX.
Product: Debt collection

I have never done business with " Affirm '' and have not taken out loans that have been sold to them. However, they keep sending emails to my address stating I owe overdue payments on three different loans. 

I frequently get misdirected emails for other XXXX XXXX, so I called Affirm and suggested they might have the wrong email address, that I had never taken out any loans through them and did not owe them any money, that they should call the person for the identified loans and get the correct email address, and that they needed to stop sending me emails. I am still getting emails. They also send me emails through " XXXX '' that says I owe money. 

I definitely do not owe them any money and there was never any process through which I verified my email was associated with any account. I have received dozens of these emails in the last two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 XXXXXXXX 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 a account without my written instructions.
Product: Bank account or service

Money was taken off my account from XXXX I did not sign up for that so how do I get my money back
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. These collection account is reporting not only as OPEN, but also shows a past due balance of {$380.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
ACCOUNT XXXX XXXX XXXXXXXX.
Product: Checking or savings account

HD XXXX unauthorized transactions XXXX on my debit card made at a XXXX in XXXX, Florida 1 day after I made a deposit at a XXXX next to my home in XXXX ma XXXX XXXX {$500.00} XXXX Ma, XXXX unauthorized purchases for {$320.00} made at XXXX in XXXX Florida, Chime says nothing suspicious will not refund my stolen money!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When i called the credit bureau ask can i have a copy of my credit File ( not my report ). I was told it would be sent to me and i never receive it. This was over 30 days ago. I would like to know why i havent received it. If this suppose to be my credit FILE why I cant have a copy of my FILE. This goes against my consumer right.
Product: Vehicle loan or lease

I know that I have a XXXX XXXX XXXX trust that is used to draw funds out for loans, mortgages, etc. I realized that when I gave my ssn on the fraudulent loan that I signed the funds were taken out of my trust fund and not loaned from the bank. When I tried to get them to discharge this debt Ally financial made it very difficult to pay the loan they locked my account and would only accept certified funds. I sent them a money order from XXXX # XXXX {$320.00}. They accepted the money order and cashed it. But they never credited my account for it and they put a notice on my credit report as not being which is not true. It was paid they stole the money. They received it on XX/XX/23 and cashed it on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item on my credit report from XXXX, XXXX, & Experian that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be closed.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check via BB & T s mobile banking app. It was set to be released on XX/XX/XXXX. On XX/XX/XXXX, I realized I was hit with 6 overdraft fees. I spoke with someone in my local branch ( XXXX, SC ). I was informed that when I submitted the check, instead of them not making the funds from the check available, the deduct the amount of the check deposited from my available balance. Not only did they deduct that amount, but they sent my account into a negative balance. Meaning any bill payments set to post on that day, received an overdraft fee on XX/XX/XXXX. I had funds in the account to cover any purchase/bill payment prior to depositing my check. Now they will not waive those overdrafts. They also took my entire first check causing me to be late on house bills.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT INFORMATION IN MY REPORT. ACCOUNTS : XXXX {$14000.00}. XXXX {$11000.00}. XXXX XXXX XXXXXXXX {$11000.00}. XXXXXXXX XXXX XXXX  {$800.00}. XXXX XXXX {$800.00}. XXXX XXXX {$11000.00}. XXXXXXXX XXXX {$4800.00}. XXXXXXXX XXXX  {$3000.00}. XXXX {$6200.00}. XXXX {$900.00}. XXXXXXXX XXXX {$16000.00}. XXXXXXXX XXXX $ XXXX XXXX {$7500.00}. XXXX XXXX XXXX {$800.00}. XXXX XXXX XXXX {$5900.00}. XXXX XXXX {$300.00}. XXXX XXXX {$76.00}. ADDRESSES : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX.