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

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2011 my wife and I took out a XXXX dollar HELOC loan to address some issues with the house we presently live in. The credit line was available for five years ; after which, it turns into an installment equity backed loan. 

That has not happened. All 3 credit bureaus are still reporting the loan as a line of credit with available credit and balance. This is not correct and my credit score is being, adversely, affected. My total revolving credit line is incorrect, as well as, my total revolving balance. 

The total credit limit listed is : XXXX Actual : XXXX Current Used : XXXX Actual : XXXX I was informed by the lending entity that this is just the way it is. This would suggest that it's fine for lenders to provide incorrect information that affects future financing endeavors.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On multiple occasions I have submitted a written request to Equifax, asking them to remove all inaccurate and outdated personal information on my credit report. In efforts to protect my privacy ; to prevent identity theft ; and avoid future financial harm. 

I have provided Equifax with all the necessary information, to prove my identity and to date I see that my credit report is still reflecting not only my current address but ALL of the previous addresses and inaccurate name variations and phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I tried to unfreeze my Equifax account to apply for a new credit card. I was unable to create a myEquifax account to do this, as it told me I entered the verification questions incorrectly. All verification questions had nothing to do with me ( including asking about a car loan when I've never had a car payment in my life ). I called Equifax and was told to mail in a copy of my social security card and drivers license to Equifax Security Freeze Department ( I mean seriously, do they want my identity stolen? ). When I tried getting my free credit report to at least make sure someone hadn't stolen my identity, I ran into the same problem and was again asked about car loans in the verification questions. 

XXXX and XXXX  credit reports were normal, so I'm hoping I don't have a problem with my credit with Equifax. But I mean seriously, it should be illegal for them to be so incompetent. Now I have to mail in sensitive information and I can't figure out why. I haven't contacted Equifax since I froze my account in XXXX ( which, incidentally, was done BECAUSE of them in the first place ). I can't apply for the credit I need now. And my identity might be stolen, who knows? Not Equifax, probably.
Product: Debt collection

I honestly dont know what this bill of debt is. My old place I was in the landlord just gave me the letter to collect a bill stating that I had XXXX XXXX. I have the account number and my name is different because I got married again. But the dates saying I used it or for the main thing I havent had cable for 20 years and the times I did back then not one was in my name. So this needs to get taken off of my credit or anything that it can effect
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due because these are obviously billing errors. Below is a list of the disputed account. XXXX XXXX Balance Owed : {$1000.00}
Product: Debt collection

Lvnv sold a debt that they say I owe them. Under 15 usc 1681 b. I have no contract with them or anyone who bought this so call debt. They have no legal right to collect any amount. I do not have a wet signed contact with them. I want the company to prove that they have a legal right to collect this so call debt. I want to see the chain of custody on this debt. XXXX they can collect this debt in my state. Also the debt was from 2017. It's over the legal time to collect. They are breaking federal law. I want them to remove it off my credit reports. All XXXX.
Product: Vehicle loan or lease

I purchased my vehicle in the month of XXXX of XXXX, the car was repossessed a year later in XXXX due to a very high payment of {$490.00} that was impossible to keep up with. Due to the loss of the car, I lost my job and was unable to provide for my family and my children. 

A couple of days ago, I came across an article on the " XXXX XXXX website '' stating that Santander Consumers USA INC. was involved in a nationwide investigation throughout 34 states ( Including Georgia ) and found evidence of sophisticated credit-score tracking methods designed to prey on those with the highest risk of loan default. Santander Consumer USA INC.was later found guilty in the class-action lawsuit for deception and predatory lending practices. In the settlement, Santander had agreed to relieve all defaulted loans and to help repair the credit of the individuals that were affected by Santander 's deceptive actions from the timeline of XX/XX/XXXX through XX/XX/XXXX ( In which my account falls within the timeframe ). 

XXXX reported the date of last payment was XX/XX/XXXX, but XXXX and XXXX are reporting a different date of XX/XX/XXXX which is a 3 years and 9 days difference. 

Lastly, XXXX had another inaccurate information of the date last active that shows a date of XX/XX/XXXX, while XXXX reports:XXXX and XXXX reports:XXXX.
Product: Credit reporting or other personal consumer reports

I am seeking an investigation into these accounts due to concerns about their accuracy on my credit report. Although they were removed earlier, they have been added back without my awareness. I did not receive any notification or correspondence regarding this reinstatement.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXXXXXX 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

DATE : XX/XX/XXXX TOTAL LOSS SETTLEMENT LOAN COMPANY XXXX ALLY AUTO XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX ON XX/XX/XXXX THE REFERENCED VEHICLE FINANCE WITH " ALLY AUTO '' WAS INVOLVED IN AN INCIDENT WHICH RESULTED IN A TOTAL LOSS. THEREFORE, THE VEHICLE 'S INSURANCE COMPANY " XXXX XXXX '' ASSUMED RESPONSIBILITY FOR THE REMAINDER OF THE PAYMENTS/BALANCE ON THE ALLY AUTO ACCOUNT - AS I HELD FULL COVERAGE INSURANCE WITH XXXX ON XXXX VEHICLE. 
AS A RESULT, I AM NOT RESPONSIBLE FOR ANY FURTHER PAYMENT TO ALLY AUTO AS OF XX/XX/XXXX. AS OF XX/XX/XXXX, I OWED {$0.00} TO ALLY AUTO. 

I HAVE A COPY OF MY PAYMENT MADE TO ALLY AUTO FOR THE XX/XX/XXXX PAYMENT AS WELL HAS LEGAL DOCUMENTATION FROM XXXX WHERE IN WHICH XXXX ACKNOWLEDGES THE TOTAL LOSS SETTLEMENT AND THE RELEASE OF PAYMENT FROM XXXX INSURANCE TO ALLY AUTO. ALLY AUTO HAS RECEIVED PAYMENT FROM XXXX FOR THE VEHICLE- I HAVE CONFIRMATION FROM XXXX OF THE PAYMENT RELEASE, NO FURTHER PAYMENTS ARE DUE. 

ALLY AUTO HAS CONTINUED TO REPORT MY ACCOUNT AS OPEN ON MY CREDIT REPORT AND UNLAWFULLY IMPLEMENTED ADDITIONAL FEES TOTALING TO {$1700.00} BETWEEN DATES OF XX/XX/XXXX TO CURRENT XX/XX/XXXX. THIS IS UNLAWFUL AND ILLEGAL. 

I AM REQUESTING LAWFUL JUSTICE, I AM NOT LEGALLY RESPONSIBLE FOR ANY ADDITIONAL PAYMENTS TO ALLY AUTO AS OF XX/XX/XXXX. THE COMPANY NEEDS TO UPDATE MY STATUS TO ALL THE CREDIT BUREAUS AS PAID AND CLOSED AS OF XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This Person ( XXXX XXXX XXXX has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to. THEY HAVE VIOLATED MY RIGHTS ALSO UNDER THE FDCPA UNFAIR PRACTICES. AS STATED UNDER THE CIVIL LIABILITY IN THE FDCPA, AVANT ARE LIABLE FOR A FINE UP TO XXXX XXXX DOLLARS FOR EACH VIOLATION. AS I HAVE DOCUMENTED EVIDENCE UPLOADED.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband add me like an authorized user without my permission to his XXXX bank credit card. When I realized it, I called and bank delete me like and authorized user BUT still report to all credit agencies like I am still on his account and it hurts my credit score enormously! As my husband has missed payments, etc. But I have nothing with his financial problem as I just recently moved to the USA and do not want to suffer from this false information! I called 2 times to XXXX bank and they confirmed that do not see me more as an user but they do not know that to do to eliminate all false info from credit agencies! Please help me to solve this issue
Product: Debt collection

I reviewed my credit report and found several accounts that appear unauthorized and incorrect. I request their immediate removal.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been added to my credit report. These entries were not authorized by me, and under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that they be blocked and deleted from my credit report. 
XXXX Accounts : XXXX. XXXX XXXX Account # : XXXX Date Opened : XXXX XXXX, XXXX XXXX : {$130.00} XXXX. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} Fraudulent Inquiries : XXXX. XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX OF XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charged off account on my credit report with XXXX XXXX. This account was originally reporting to all three credit bureaus but XXXX has deleted this inaccurate account from my credit report. Each credit bureau is reporting inconsistently and many different inaccuracies on my report such as the open date and last active date. Transunion is reporting the open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. XXXX is reporting an open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. I have informed both bureaus of the inaccuracies on my report and Transunion and XXXX refuses to delete this account from my reports and has not provided any valid proof or evidence as to how they are validating this account. If all three bureaus get their information from the same place, how is it that XXXX found that this account was inaccurate and deleted it but Transunion and XXXX hasn't? Furthermore, I have also reached out to XXXX XXXX directly to try and resolve this matter and they have not sent over any documentation or have tried to contact me in any way. It is illegal to report inaccurate information on a consumers report and not only XXXX XXXX  but the credit bureaus are in violation of the consumer laws and should delete this account from my reports.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX XXXX XXXX XXXXXXXX OR XXXX was never late! I have had exceptional payment history witH capital one 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 l
ate 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  XXXX OR 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 previously applied for Mortgage Assistance/Loss Mitigation to be able to resume my loan once the forbearance ended. 
I was approved a XXXX XXXX pending the completion of XXXX trial payments and receipt of the notarization of the loan modification agreement. 
After I completed the XXXX trial payments for XXXX, XXXX and XXXX of XXXX I was told that the Loan Modification agreement would be sent to me via XXXX. 
The loan packet that was due XX/XX/XXXX but it was delivered to my downstairs neighbor which I then received late from her. 
I called AmeriHome immediately in XX/XX/XXXX to ask to make a payment and to tell them that the packet was received by my neighbor and not me, but I was told that I would have to reapply and could not make a payment until the application was reapproved. 
I reapplied and submitted all requested information in a timely manner. 
AmeriHome did not complete my application until XX/XX/XXXX and this time around I they denied me for the following reasons : The hardship provided did not meet the program requirements, Your Hardship duration is long term or permanent, Your account is greater than the maximum number of months past due and The principal and interest portion of your payment is already less than the proposed modified principal and interest payment. 
I called AmeriHome and was told that my only option was to call the attorney and pay the reinstatement amount of over {$40000.00}. Before the sale date of XX/XX/XXXX. 
My hardship has resolved and I am very capable of resuming my loan even if modified at a higher rate. 
AmeriHome having received the packet late was out of my control and I remained in communication with them as their records must show. They should honor my trail payments and application and allow me to resume my loan or modify a new loan. 
And, if not possible then they should allow me time to sell the home that holds equity so that I can pay the loan off in full and not foreclose. 
On XX/XX/XXXX I submitted a request asking that they allow me to apply for a traditional modification if I can not qualify for the flex modification or for whatever foreclosure prevention programs available. I also asked to appeal their denial based on the facts that I was already approved. 
My hardship originated from XXXX as it caused financial burdens on me and my family who were faced with illness and loss of work. 
My financial hardship has since been resolved as I have been employed full time with an annual salary that is sufficient to support the loan. 
PLEASE stop the sale of my home scheduled on XX/XX/XXXX and help me retain my home that I can afford at this time and will resume payment with no further delay. 
It is unjust to lose my home and equity to foreclosure when I have the ability to resume my loan and was already approved.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 
15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 
15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification.

15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX