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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the creditor on my credit file. The bureau has failed to provide documentation and only respond back with a generic " verified '' response. They havent indicated how it was verified, or whom they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Our mortgage was acquired by Fulton Bank ( aka Fulton Financial ) on XX/XX/XXXX. Our statement/billing address has been incorrect since then. We have tried every month to get this issue correct by both online servicing and calling in to their customer service center. Most recently on XX/XX/XXXX we called in an were told their mortgage servicing system is " down ''. While this is believable, there is always some reason why they can not accomplish this basic task. Their website also does not allow us to login - we were able to access it one time but since then it also either has issues or does not recognize our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX reported a debt of {$5600.00} on my Experian credit report. This is identity theft and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( the consumer ) noticed a lot of random inquires on my account that I didn't authorize, i think i may have become a victim of identity theft and want these accounts/ inquires removed. I believe I have a right to privacy and I also think that by having this information on my consumer report is a violation of 15 usc 1681.
Product: Payday loan, title loan, personal loan, or advance loan

I saw my XXXX auto-pay amount would be insufficient to pay off the loan by a small amount, so I made a manual payment to pay it off. I then received an email that my regular automatic payment would not be cancelled. I tried calling the customer service # in the email they sent. I was told that I had to complete a survey and sign up for a monthly purchasing program trial before they would connect me to customer service to help me with my payment issues. I was unable to get past this and calling back resulted in the same treatment.
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. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX and 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: Bank account or service

The employee took down all of my information. He signed me up for an account. Then asked me to wait a second left the office and came back with an adverse action letter. He said some banks may be reporting incorrect information and this is why he is denying me an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX. To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. WHOLE ACCOUNT REMOVED ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN/CLOSED ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 card

On XX/XX/XXXX, I booked a round-trip flight # XXXX to XXXX, Minnesota, to the XXXX XXXX for medical attention . The booking was made through American Express XXXX XXXX using their website. Tickets were issued for flights ( # XXXX ) on XX/XX/XXXX from XXXX and for a return flight on XX/XX/XXXX from XXXX [ one stopover at XXXX ]. American Express booked the flights on XXXX and billed my AMEX card for {$510.00}. 
I discovered that I would not need to stay in XXXX for the full period from the XXXX through the XXXX, so I changed my reservation to get a return flight on the XXXX. This led to an increase in the ticket price, which added {$160.00} to my bill bringing the total to {$670.00}. I selected a flight that left XXXX at XXXX XXXX. and was routed through XXXX ( XXXX ) for a return flight to XXXX. The next day, I received an email from American Express showing that my XXXXXXXX XXXX flight routing had changed, and the flight would now take me from XXXX. 
I received notice on XX/XX/XXXX that my XXXX XXXX visit was no longer necessary, so I called AMEX and initiated efforts to cancel the trip. After spending at least 20 minutes on the phone with an AMEX agent, assuring him that I needed to cancel the booking, he apparently did nothing. I checked back on XX/XX/XXXX to find that the booking had not been canceled. I called AMEX again and told them to cancel the flight. They refused to cancel the booking unless I verbally agreed to give XXXX the {$680.00} for some future flight. I again requested cancellation and emphasized that giving XXXX my money was not part of any agreement I saw or agreed to when I booked. 
My plans were not finalized when I initially booked the trip to the XXXX XXXX, and I only booked then because the American Express website said the booking could be canceled up to 24 hours before the flight. Nothing on the website informed me that the ticket was non-refundable and that I would only be given a credit on the airline ( XXXX ). If, in fact, this was the case, this should have been displayed on the webpage. 
I have personally had no interactions with XXXX, only AMEX. AMEX should be responsible for returning my {$680.00}, and they should not give it to XXXX. 
This is my second bad experience with AMEX in less than a year. In XXXX, AMEX booked me with an unscrupulous rental car company in XXXX XXXX operating under over 20 names. They ( AMEX ) advertised the rental company as the lowest-price provider. Although I already had car rental insurance, the company refused to accept it ( I have a rider on my AMEX card ) and insisted that I buy insurance from them at the cost of {$500.00}, for they would not rent me a car. Stranded in a remote location without transportation because of this shady rental company AMEX was pushing on its website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent Experian a complaint letter certified mail, which i was notified when they received it. It has been almost 30 days and the items still remain on my report and I have not received a response from Experian. Experian is in violation pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft within 4 business day upon receiving all necessary documents which i have attached to this complaint along with the complaint that was mailed to Experian.
Product: Mortgage

Shellpoint ( newrez ) Mortgage has acquired my mortgage from XXXX mortgage. I made my XXXX payment on XX/XX/year> on XXXX ' website. XXXX Mortgage now seems to be defunct as I can not access the information or website any longer. The website automatically points to Shellpoint mortgage. The balance of my mortgage, escrow, and monthly amount due shows up in the new Shellpoint mortgage web portal, along with my personal and address information. However, no prior payment history has come over and no record of my XXXX payment. 

I asked about my payment was was told to e-mail Shellpoint 's loan servicing team, which I did, to request that the XXXX payment be returned to me so that I can pay the amount in the new web portal. I did that yesterday, XX/XX/year>. HoweveXXXX XXXX, I received an e-mail from Shellpoint notifying me that there is no record of my payment. I called Shellpoint again and escalated my call to a supervisor and asked them to track down my payment. After a brief hold I was told the transfer process to apply the funds will take XXXX to XXXX business days. 

This transfer from XXXX to Shellpoint has been a disaster. No payment history and now the XXXX of a {$2800.00} payment that is in cyberspace while I am receiving information that no payment has been made via e-mail and the new portal. I hope CFPB is aware of this issue and can better protect consumers from this negligence or homeowners who are trying to make their payments on time without hassles from mortgage companies.
Product: Student loan

XXXX calls me anywhere from 1 to 4 times a day, starting early morning and calling as late as XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account on all three credit bureaus. The company is transform credit inc . I did not open an account this company and I did not recieve any money from then. The website is https : //transformcredit.com/ I need this removed from my credit immediately
Product: Credit reporting or other personal consumer reports

I have accounts and inquiries on my report. 

Accounts XXXX. XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$75.00} XXXX. XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$220.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft WELLS FARGO HM MORTGAG Account Number : XXXX This is not mine.
Product: Student loan

On XX/XX/2022 I submitted a request to change my payment plan at Edfinancial from the standard plan to the extended repayment plan, I have receipts of this transaction stating that we would receive confirmation in 7 to 10 days. I called on the XXXX to check in on the process, and reaffirmed the payment plan I previously submitted was being processed. I again called Edfinancial on the XXXX to check the process, and was assured that after 10 business days I would have the payment plan processed. The XXXX, 10 business days after the online submission, I am told to check back on the following Monday or Tuesday. Today XX/XX/XXXX, I call once again. I am told that their system doesn't say I have ever requested this payment plan change. I am left believing that EdFinancial has no functional processing department, further enforced when I asked to be transferred to that department and was informed that they do not receive calls. This information is the final piece required for my mortgage process and we could be financially liable for breaking or re-writing our mortgage contract.
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 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 on my account 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: Credit card or prepaid card

Beginning in XXXX of XXXX I signed up for XXXX insurance on my zales store card. I've made the payments every month, and my billing statements show the transactions. In XXXX of XXXX  I had XXXX that left me out of work for more than 30 days, when I attempted to exercise my benefits I was told I had no XXXX insurance. They began a new policy for XXXX insurance even though I assured them I had the insurance already. I went through multiple stages to try and work with Zales as well as account assure to find my information, but they continue to say they can't find the information and inform me they are escalating the problem. This has been over a month now and they are still saying there is no record of my benefits even though I have the billing statements to prove otherwise. Account assure and Zales are both refusing to honor the benefits that I have put in place, and have continued to fraudulently charge me for my XXXX benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This request can not be processed online. XX/XX/XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX Account NameXXXX, XXXX. 
Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$280.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$280.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$280.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX Payment History Account NameXX/XX/XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusPaid in settlement. {$430.00} written off. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$300.00} Highest Balance {$430.00} TermsNA On Record UntilXX/XX/XXXX Payment History General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XX/XX/XXXXXXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXXStatusAccount charged off. {$4100.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$4600.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$4500.00} Highest Balance {$0.00} Terms34 Months On Record UntilXXXX XXXX Payment History Account NameXX/XX/XXXX Account NumberXX/XX/XXXXAccount TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid in settlement. {$2000.00} written off. 
Status UpdatedXX/XX/XXXX fcra violations not mine remove it XX/XX/XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violaitons never late
Product: Credit reporting or other personal consumer reports

As per the guidance from Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule XXXX ( b ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block information from my credit report within XXXX business days pursuant to section XXXX of Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>