23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Made payment arraignments on XXXX/XXXX/XXXX for XXXX to be made on XXXX/XXXX/XXXX spoke with XXXX XXXX he was very rude and nasty towards me. I made my payment on XXXX/XXXX/XXXX and on Sunday XXXX/XXXX/XXXX the took my car saying they did not see the arrangements in the system. On Monday XXXX/XXXX/XXXX I spoke with XXXX XXXX and she told me in her own words she sent out a email to stop the repo but it did not get to the person it was supposed to get too. I lost my new job due to not having my car on Monday XXXX/XXXX/XXXX. it was not returned to me until late afternoon on XXXX/XXXX/XXXX by that time it was too late for me to retain my job. This was totally out of line on this companies behalf.
Product: Credit reporting or other personal consumer reports

According to IRS UNPAID CHARGE OFF IS INCOME AND FOR ACCOUNTS THATS STATE ON MY CURRENT CREDIT REPORTS I HAVE RECIEVED 1099-C FOR ALL ACCOUNTS ALSO ACCORDING TO FCRA INCOME CAN NOT BE REPORTED ON CONSUMER CREDIT REPORT AFTER CHECKING MY MOST UPDATED CREDIT REPORT IM STILL SEEING ACCOUNT REPORTING FOR ACCOUNTS AS FOLLOWS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SYNCB/VALUE CITY XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My funds were taken from my personal and business bank accounts without justification.

I requested a monthly payment plan with the bank resolution department and the bank took the full amount owed without consent or authorization.

I tried to rectify this problem with the bank to no avail.
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 XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Multiple deposits and withdrawals came from my account by the way of ATMs. I was not in the same state the deposits and withdrawals took place in. 

XXXX XXXX multiple deposits and withdrawals came from my account. I put in a fraud claim and they handled it and credit my account of {$2800.00}. XX/XX/XXXX the fraud people withdrew that credit of {$2800.00} leaving my account in the negative. 
XX/XX/XXXX a {$7800.00} check was deposited ( the bank agreed that was fraud, but {$8.00} worth of items were bought at a gas station that wasn't me. 
XX/XX/XXXX {$180.00} was withdrawal. 

In the documents attached you're going to see my whereabouts during all these transactions. Even an app called XXXX was tracking my movements for three days ( XXXX XXXX ) stating that I was in Florida. I have a XXXX delivery on XX/XX/XXXX and XX/XX/XXXX showing that I was home in Florida. I have grocery store runs ( XXXX XXXX XXXX ) during the dates of XX/XX/XXXX and XX/XX/XXXX being in Florida. I have video evidence of me going to a cafe on XX/XX/XXXX in Florida. I have XXXX XXXX on XX/XX/XXXX of me being in Florida all day. 

All of those transactions taken place in Georgia was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C1681. XXXX XX/XX/XXXX # XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15U.S.C 1681 C ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES THAT ANTIDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681 S-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 RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS IN ACCURATE..
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report I have noticed XXXX accounts reporting as a charge-off. The two accounts reporting were from XXXX XXXX XXXX XXXX. On XX/XX/2024 I mailed a letter to them requesting a copy of a 1099 form associated with my account. In the same letter I requested a copy of as a promissory note or any relevant documentation related to this account. On XX/XX/2024 XXXX responded to the request stating that " a 1099-C is not appropriate as we have not performed a " cancellation of debt ''. In this letter they have also stated " some information we reported was inaccurate ''. On XX/XX/2024 I mailed out via certified mail my correspondence. I stated that they're in violation of 15 USC 1681S-2 ( a ) ( 1 ) ( a ) reporting information with actual knowledge of errors. I also requested in that letter a list of requested information from XXXX XXXX XXXX XXXX from their investigation. I requested a list of questions 1-10 of who investigated these accounts. I requested a notarized affidavit that their responses were true and correct. They have failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting fraudulent account on my report
Product: Debt collection

I received several threatening, harassing, and deceitful debt collection letters from TriVerity , Inc. on XX/XX/XXXX, XXXX, and XX/XX/XXXX of XXXX regarding an alleged debt of {$9100.00} as of XX/XX/XXXX. 

The alleged Loan # XXXX was acquired from XXXX XXXX XXXX XXXX located in the state of Georgia. 

I do not know this company ( Triverity , Inc. ) and I have not entered into a contractual agreement regarding said alleged debt owed to XXXX XXXX XXXX XXXX and I told them of such. 

Hence via Affidavit of Validation of Debt, I, vehemently, dispute the debt and requested validation of the alleged debt. To this date, I have not receive an Affidavit proof of validation of this debt from Triverity , Inc .

Additionally, via Affidavit of Truth and Fact, Triverity , Inc. was notified that they have violated several of my consumer rights via the Fair Debt Collection Protection Act. To this date, I have not received Affidavit of Truth and Fact response from Triverity , Inc .

They are as follows : 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( B ) ( 2 ) 15 USC 1692 ( D ) ( 2 ) 15 USC 1692 ( F ) ( 1 ) 15 USC 1692 ( B ) ( 5 ) Finally, I have sent a second Affidavit of Truth and Fact and a Notice Of Demand for Cease and Desist which I have yet to receive an adequate Affidavit response from Triverity , Inc .

I have an attachment of All Affidavits and Exhibits that show how Triverity , Inc. has on numerous occasions via mailed letter violated my consumer rights and caused mental, emotional, and financial stress to me and my family.

Please peruse the Affidavit of Truth and Fact, the Second Affidavit of Truth And Fact, the Affidavit of Validation Of Debt, and the Affidavit of Notice Of Demand To Cease and Desist.
Product: Mortgage

The mortgage broker XXXX XXXX XXXX XXXX # XXXX XXXX from OneTrust homes never disclose the interest rate to me. After she got back to me with high interest rate ... I told her I would like to change the plan for 7 arms she asked me to pay her money after I agree and got the letter and confirmation she decided to change the plan saying it 's not longer available.
Product: Debt collection

Bankruptcy was filed approximately 25 years ago and these were credit card charges. I recently purchased a house in my name and Portfolio Recovery inquiries and phone calls started. No negative credit has been listed on credit reports, but I have paperwork leading me to believe I could have IRS issues. The stress this has created has been unreasonable as I was a homeless veteran finally getting off the streets, and it appeared the fraud they were perpetuating on me was going to stop the process. I did receive a post card in the mail recently that there is a class action suit about these calls, but there has been more than just phone calls in my case and I wish to document this. My identity and history has been stolen too.
Product: Mortgage

Nation-star, Mr. Cooper, RightPath refuse to honor Covid forbearance transition to deferment. RightPath demands lump sum payment for 18 month forbearance period or they will foreclose. 35 day notice to comply. On its face, intentional scheme to Force modification at MUCH higher rate and/or unjust enrichment with forclosure ( $ XXXX equity ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted on Time : I made the payments on time ; however, due to a clerical error by XXXX, the payment was not processed until after the due date, resulting in an incorrect late payment entry on my credit report. I have attached a copy of my bank statement and payment confirmation showing the transaction date. 
Inconsistent Reporting : There are inconsistencies in how the late payment was reported across different credit bureaus, which further suggests an error in the data handling by XXXX. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXXILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

In accordance with The Fair credit reporting act. The list of the accounts below has violated my Federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 206A States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 it also States a consumer reporting agency can not furnish accounts 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 items of information, other than records of convictions of crime which antedates the report more than 7 years.

15 USC 1681 s-2 A1 a person shall not furnish any information relating to the consumer to any consumer report agency if the person knowing or has responsible case to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is repeatidliy breaking the law and is failing to verify the unauthorized hard inquiries they are furnishing on my report. Specifically, Section 607 ( b ) requires credit reporting agencies to : 1.Adopt and implement reasonable procedures '' to ensure the accuracy of the information in a consumer 's credit report. 

2.Maintain strict procedures '' to ensure that only accurate and complete information is furnished to creditors, employers, and other users of consumer credit reports. 

3.Take appropriate corrective action '' when errors or inaccuracies are identified. 

4.Review all relevant information '' when reporting information about a consumer 's credit history, including the source of the information and the age of the information. 

i called and they told me to call the companies and ask them to remove the inquiry which doesnt make sense. the following are my dispute confirmation numbers. 

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

Using the www.annualcreditreport.com site, I tried to access my three free credit reports. XXXX  was able to present me with a report. TransUnion and XXXX  claim that they were unable to verify the information I provided and did not provide me with a report. There was no explanation provided. My understanding is that the three agencies provide and support that site. So how come they can not collect the information that can ensure my identity is valid? Of course, they offer the ability get a report by mail. This is all designed to frustrate the user until they give up. They are not living up to their responsibilities.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX. I am writing this complaint after reviewing my consumer report. EXPERIAN is reporting a bankruptcy reference # XXXX to my consumer report and I have no idea where they got this information from. XXXX is reporting a bankruptcy reference # XXXX to my consumer report as well. I have no idea where EXPERIAN and XXXX received this information from to put on my consumer report.
Product: Mortgage

In the process of refinancing my house with suntrust mortgage company I was providing all the documents required and following all their instructions to have my house refinanced. The whole time I was being led to believe that everything was on track. during this time I was told that I need an appraisal on my house and that cost XXXX. Everything is on track I believe. I would call suntrust to follow up on the progress of my refinance and was told that paperwork was being processed. Approximately two weeks after the appraisal someone from suntrust called me and said that I was denied to refinance my house because my income to debt ratio was to close. I had never spoken with this person during my refinance process and he could not answer any of my questions. I called the agent I was working with and had to leave several messages before he would return my calls. When he finally called me back I explained to him that they should have known I was approved before they took my money. I have spoke with other lenders who said they should have never taken my money until they knew the deal was going through. My agent at suntrust assured me that the money would be refunded to me within seven to ten business days. It 's been over two months now waiting for my refund. Every time I call suntrust I get an assurance that the money is on its way. I have been very patient but I feel like their giving me the run around. The last time I called he told me that the appraiser is sending me the money but I have yet to see a check in the mail. I spent almost XXXX with no service provided. I think it 's wrong, illegal and very dishonest what they are doing and how they handle their business. I would like my money back so I can use that to go a different route in refinancing my home. During the process there was never a change in my income or credit. They had all the proper paperwork with my income/debt. With that information with them they should have been able to determine weather or not my refinance was going to go through before they charged me for the appraisal.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on 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 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 XX/XX/year> to XX/XX/year> 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 XXXX ( 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 XXXX ( 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 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 reporting, credit repair services, or other personal consumer reports

Its been over 30 days, and the creditor has not updated information nor provided proof or documentation in regards to a late payment. They have not supplied this information. They must delete the alleged late payments on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am making a dispute against Synchrony Bank/XXXX XXXX  for making a hard inquiry I just noticed on my credit report. I was provided a pre-approval offer letter in the store and when I specifically asked if this would affect my credit as a hard inquiry, I was told that it would be a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet. Being that I was considering getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lender on my credit report. Had Id known that this would be a hard inquiry, I would have never done business with this bank.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax and XXXX XXXX XXXX XXXX XXXX refused to remove fraudulent account form my credit report, after I sent them a copy of my Identity Theft Report, Police Report, ID, SSN and utility bill which I will include in this compliant. I am requesting that all companies listed send verified documents and the methods that was used to verify this fraudulent account per the information act and FCRA. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bal : XXXX Date Opened : XX/XX/.
Product: Student loan

Navient has continuously harassed, lied and pushed me into forbearance. I had my student loans with them since they took them over nearly 10 years ago. I have more than $ XXXX in student loans and I was forced into consolidating them with another company. Unbeknownst to me, I was bombarded with refinance/consolidation letters from a few companies, but it was always this one company called XXXX. When I was receiving the letters, I was never told that Navient owned XXXX. When I requested my loan promissory notes, they told me to do it online, yet you can not. My biggest concern is that Navient has essentially coerced me and many others into believing they could get student loan help by using this other company XXXX. But, they own the company they are telling you to move to. What a bunch of bull.
Product: Debt collection

There is negative information reporting on my credit report for collections that I have no knowledge of. I have not received written notification therefore Ive been denied my right to the timeframe allowed to request validity of said debt.
Product: Checking or savings account

On XX/XX/2021, I opened a letter from Wells Fargo dated XX/XX/2021 that was mailed to my parents address. The letter stated that a personal loan application in my name was denied. This was a fraudulent application as I did not apply for a loan. On XX/XX/2021 I called Wells Fargo and discovered that in addition to the fraudulent loan application, fraudulent credit card applications were submitted and a fraudulent checking account was opened under my name. I reported this as identity theft and submitted a fraud claim with Wells Fargo for all accounts. Wells Fargo acknowledged that the personal loan and credit card applications would be closed and would request the credit agencies to remove the inquiry from my credit report. 

I later received a letter dated XX/XX/2021 from Wells Fargo stating that my fraud claim on the checking account was denied that I am responsible for all charges on the account as a welcome package and email had been sent during account opening. This fraudulent account was opened without my knowledge and I never received a welcome letter or email to be aware that this account even existed. The email address they had on file was a fraudulent email address and is not my email address. Also the home and mailing addresses they had on record were also fraudulent. I went into the branch to obtain copies of the transaction history and discovered the account also has multiple fraudulent checks deposited. I had multiple calls with the Wells Fargo Online Fraud Claims department and they refuse to reopen the investigation and provide any assistance. 

I filed a police report and FTC Identity Theft Report.