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

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 accountwas never late! I have had exceptional payment history 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 to be updated.

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.

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!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that does not belong to me this is not my account I have not used signed or authorized this account I need this removed from my credit report!!! 

XXXX  - Account # XXXX XXXX XX/XX/2020 XXXX $ {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THER ARE SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT ARE REPORTING INNACURATE INFORMATION I HAVE REACHED OUT TO BOTH THE XXXX AND THE CREDIT BUREAUS SUCH AS XXXX, TRANSUNION AND XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In or around XXXX of 2020, I disputed a charge in the amount of {$200.00} from XXXX  XXXX XXXX XXXX  with Citi as a result of the merchant refusing to accept the return of a product that they sold to me incorrectly. Apparently, the representative that I spoke with did not initiate the dispute ( which I believe was a direct result of a language barrier ) and I had to refile the dispute which was out of the dispute timeframe. As a result, Citi did not conduct the dispute accordingly.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX INCORRECT Following information to be REMOVED FROM MY CREDIT REPORT Due to IDENTITY THEFT AND ERRORS. 

Equifax & XXXX : Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax : XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX {$8700.00} - XX/XX/XXXX Account XXXXXXXX XXXX XXXXXXXX {$10000.00} - XX/XX/XXXX XXXX & Equifax XXXX XXXX XXXX Account XXXX .... {$2600.00}. - XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. - Account XXXXXXXX XXXX XXXXXXXX {$68.00} - XX/XX/XXXX Equifax : XXXX XXXX - Account XXXXXXXX XXXX XXXXXXXX {$9700.00} - XX/XX/XXXX Inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I HAVE SENT ON SEVERAL OCCASIONS for YEARS SENT THE FOLLOWING : XXXX. AN STATE ID XXXX. POLICE REPORTS XXXX. SSN XXXX. LIST OF ACCOUNTS YEARS OF ZERO RESPONSE. AGAINST THE. LAW. 
AS A RESULT ; I HAVE BEEN UNABLE TO FUNCTION IN GETTING A HOME, A JOBS AND AIDING MY BUSINESS. THIS HAS COMPLETELY HANDICAP MY ABILITY TO TAKE CARE OF MY FAMILY.
Product: Credit reporting 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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 if 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. Fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.

XXXX XXXX XXXX
Product: Debt or credit management

I used Lexington Law firm in XXXX and XXXX and they did not fix or change anything I noticed when my score dropped I didnt know how to get in touch with someone to help me solve the issue and I figured they wasnt going to be honest about the problem so I just left it alone I was just trying to do the right thing and build my credit to buy a house for me and my kids
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report with Experian has dropped 10 points, from yesterday. Nothing has occurred in my accounts except paying them off. I filed a previous report and I think this is retaliation. My credit score is extremely important to me and for it to change without any differences from yesterday. My score yesterday was XXXX as of today it is XXXX.
Product: Credit reporting or other personal consumer reports

I have a private student loan through XXXX XXXX XXXX, a private loan through XXXX XXXX, and federal loans. I have never once EVER had an issue with my loans from the federal government nor have I ever had an issue with my private student loan through XXXX XXXX. From day one, there have been nothing but continuous issues with XXXX. Even when Im a student they put me in repayment and do NOT defer my loans. My co-signer and I have credit reports backdating to XXXX when they initially started making these reports and I was a XXXX XXXX XXXX. Fast forward to XXXX. They started reporting in XX/XX/XXXX to the credit reporting agencies that I was not making payments. No I was not making payments as I was a FULL TIME XXXX XXXX IN XX/XX/XXXX! When confronted with the facts and that they CAN NOT EXPECT ME TO PAY ON MY LOANS FOR AT LEAST 6 months. They continued making reports and both mine and my co-signers credit scores have dropped tremendously. The ONLY BAD REPORTS are coming from XXXX XXXX XXXX. As I have explained to these people. I will be back in seat in my XXXX XXXX on XX/XX/XXXX. Nonetheless, they can not continue making these false reports because I had 6 months from the time that I ended the semester in XXXX to make my first payment. We want to seek legal action as we have well documented records clearly depicting that I have always maintained XXXX XXXX XXXX status. Which is evident by the FACT that both XXXX XXXX and the FEDERAL GOVERNMENT HAVE NEVER EVER EVER put my account in repayment. The attorney that I spoke with said to put it in writing with you first so that is what my co signer and I are doing.
Product: Debt collection

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. I need to see all paperwork associated with this account
Product: Credit reporting, credit repair services, or other personal consumer reports

date opened : XXXX XXXX Amount {$1000.00} n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I send dispute letter to XXXX, Equifax and XXXX asking them to remove or correct any errors, XXXX XXXX XXXX account # XXXX which is Missing Paid Off, and Original balance and Payment Summary are different on XXXX and Equifax in violation of 15 U.S.C. 1681. warning them that they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first and second re-investigation, they stated that they verified that these items are being reported correctly and yet still nothing got removed or updated.
Product: Bank account or service

I utilize TCF Bank 's online bill pay. 
TCF allows you to set a " deliver by '' date, which is great, except it rarely actually happens. Historically, my rent check is often delivered XXXX3 days AFTER the deliver by date. 

I time my payments to correspond with my payroll deposits, to make sure that I am timely with my payments. I have payments going out biweekly. The payee in this case is my Chapter XXXX Trustee, for Bankruptcy repayment. 

The payment that was to be delivered by XXXX XXXX, was sent on XXXX XXXX, and actually received on XXXX XXXX and then deposited on XXXX XXXX. Meaning that the check was processed two days prior to my direct deposit from my employer. 
TCF then assessed an over draft fee for the {$500.00} Check, as well as an automated transfer to a small investing firm ( XXXX ). As my direct deposit would not be delivered to the account until roughly XXXX, XXXX XXXX there were no funds to cover the {$500.00} check. 

Historically, all checks to this recipient have cleared the day AFTER the " Deliver by '' date. 

It is my belief that this practice leaves open a potential for fraud, by processing mailed payment runs early, collecting overdraft fees and then hiding behind some disclaimer ( That I can no longer view on their site ).
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to request an urgent investigation into multiple companies listed on my XXXX credit report, which appear to be engaging in fraudulent practices. Specifically, these companies have reported accounts as charged off as bad debt on my credit report but have failed to issue IRS Form 1099-C for the canceled debt, as required under federal law for debts exceeding {$600.00}. Additionally, these actions may constitute violations of 15 U.S.C. 1692g, and 18 U.S.C. 1028A. 

The companies in question, as listed on my XXXX credit report, include but are not limited to : XXXX XXXX XXXXXX/XX/XXXX : Failure to Issue IRS Form 1099-C : These companies have written off debts as charged off or as profit and loss write-offs in their books but have not issued 1099-C forms to me, nor reported these cancellations to the IRS. This failure to meet federal reporting obligations creates a misleading representation of their financial activities and raises concerns of potential tax fraud. 

Violations of 15 U.S.C. 1692g : Under the Fair Debt Collection Practices Act ( FDCPA ), consumers are entitled to proper validation of debts. These companies have failed to provide the required validation and verification of the debts they report. Their lack of compliance leaves me with unverifiable and likely inaccurate accounts on my credit report.

Potential Violation of 18 U.S.C. 1028A ( Aggravated Identity Theft ) : Reporting inaccurate or fraudulent information and failing to issue proper documentation, such as 1099-C forms, undermines my ability to verify these debts. This could be construed as an abuse of personal information or even identity theft under federal law. Their actions have inflicted harm on my financial standing and exposed me to potential legal and tax consequences.

I have also filed IRS Form 3949-A to report these companies for suspected tax fraud and abuse related to their failure to issue 1099-C forms for canceled debts. However, I believe the CFPBs intervention is necessary to address their broader practices of noncompliance and potential fraud.

Requested Actions : Investigate these companies failure to comply with the requirements of 15 U.S.C. 1692g and other federal laws, including their obligations under the Fair Credit Reporting Act ( FCRA ).

Investigate the potential tax fraud stemming from their failure to issue IRS Form 1099-C for debts they have canceled.

Hold these companies accountable for the harm caused to consumers and take appropriate enforcement actions. 
I have attached a copy of my XXXX credit report and additional documentation for your review. I am available to provide further details or evidence as needed. 

Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to protect consumers and ensure these companies comply with federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed this closed account on my credit report that hasnt been removed after amount was paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown items on my credit report. To this day XX/XX/21 I have not received an response yet. I feel like I am be taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so these items should be deleted promptly. I demand these accounts be deleted immediately or I will proceed with the litigation process due to the stress it caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

This debt from Midland Credit is not mine.I asked them to send original contract with my signature. THEY did not do this.
Product: Debt collection

WAKEFIELD AND ASSOCIATES They have added a duplicate account to my credit report saying I owe something I do not. It is a fraudulent accusation an I have attempted to fix this via a direct dispute an threw the company but have been unable to find a solution. 

WAKEFIELD AND ASSOCIATES XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through XXXX XXXX, XXXX XXXX XXXX, TD Auto Financial. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this company.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 those account to be removed. 

They are not in compliance with the following law. XXXX USC XXXX 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! 

XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 card

American Express has advised the XXXXXXXX XXXX Florida that I have unclaimed property under my name for American Express prepaid cards under my name by will not provide the value on the cards to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report that I believe to be inaccurate. On XX/XX/XXXX, I contacted TransUnion to address discrepancies, but as of today, there has been no response. I am seeking your assistance in rectifying these issues in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$540.00} ) : This account does not belong to me, and I request its immediate removal from my credit report. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$460.00}, Account # : [ Your Account Number ] ) : I dispute the reported balance of {$460.00}, as I believe it to be inaccurately high. 
The account is closed and charged-off, and the Past Due amount is incorrectly presented. 
Please mark this account as disputed while I address the issue with the creditor. 
I request verification of the Date Opened, Date of Status, and First Reported. 

XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$390.00} ) This account is not mine, and I request its immediate removal from my credit report. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ) : I dispute the reported balance of {$260.00}, believing it to be inaccurately high. 
The account is closed, and the Past Due amount should not be reported. 
I intend to address this with the creditor and request that you mark this account as disputed during resolution.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

LoandDepot, LLC reported negative credits for both of my mortgage accounts ( loans # XXXX and XXXX ) since XX/XX/2023, while I was in the review process of loss mitigation applications. I applied for loss mitigation application for six other mortgages from other mortgage companies, none of which shows any negative reporting in my credit history ( see attached of credit reports from XXXX, XXXX and XXXX ). I was approved for mortgage forbearance for both accounts in XXXX and XXXX, but the negative credit reporting is still being reported by LoanDepotLLC. I asked to have the negative reporting reverse, but it was rejected ( See attached ).