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

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXX 

Subject : Cease and Desist Request for Deletion of Collection Account Dear XXXX XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. 

According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. 

For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name. 

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 


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

I've been a victim of capital one data breach, I've had over 29 mortgages attempted to be get a loan in my name dozens of inquiries about me searching and applying for credit, two fraught XXXX bank accounts opened At XXXX XXXX bank I got five XXXX debits cards in one week and someone applied for a credit amcard got approved in my name, so because of this data breach, I think people have my information I've contacted tge credit unions and XXXX XXXX XXXXXXXX but how do I make it all stop I wanted to get a buisness loan to start a buisness but can't even get approved because there's so many accounts being searching for loans I get calls from a certain phone number, it's tge same prefix as mine, when I answer it they don't say nothing, so I hang up and block the call, about three minutes later, it's tge same prefix and it's just a different 4 number ending In, and they called 60 times in a house after me blocking each individual call, they will leave me messages humming in to my voicmail, I have student loans that I've never went to collage, and I can't seem to get any help nowhere and can't afford to hire someone to help, so all these data breaches I'm in apparently XXXX capital one and XXXX was the start of all this back in XX/XX/2019, and ever since then my identity and everything else went to XXXX, how are you supposed to survive in this world when 99 out of 100 people are out to get you, I don't know if you cam help but let me know whst you think I shoukd do, thanks and I'm tryingbto start a business and can't even get that so I need to know which dirrevmctiom to go, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I wanted my XXXX  n experian updated correctly idk if do to covid 19. I am an authorized user on following 3 cards which I will show pictures from XXXX  for some odd reason I been going around in circles to get my accurate credit score with this information on it. I am also on a XXXX card that hasnt reported. I been using to help a family member get there grocery 's and improve my credit same time using it and paying off each month. Any questions or problems please call me
Product: Mortgage

I am on Social Security and was paying my property taxes monthly. The total amt was approx {$630.00}. I was paying monthly and was down to approx {$490.00} when Chase decided they would pay the balance but instead paid the full amount. They then put the XXXX into escrow and was charging me monthly on that amount. Chase never bothered to verify the amount due with the XXXX XXXX XXXX before paying the full amount shown on my yearly taxes. Spoke to manager who agreed correct amt was {$490.00} and would send request to tax commission for repayment of overpayment. Never happened. Then Chase decided to charge me over $ XXXX in ANTICIPATION of my not paying by 2023 taxes which I haven't even received yet. Chase has no right to charge me for what they THINK I may not be able to pay in the future. I was willing to pay the approx {$41.00} in escrow on my tax balance of {$490.00} but they never corrected the amount. Chase then informed me they don't have to verify the tax balnce, just pay what they see. This is definitely unacceptable and so is the {$78.00} in anticipation of what may be due in the future. I want Chase to be fined for the backhandedness in charging me for an invalid amount and for charging me more than due on my balance of property taxes. Please Help resolve this matter ASAP. How many others are enduring this same issue? An investigation needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since May of 2022, I have put in many requests for investigative consumer report due to inaccuracies noticed on all 3 of my credit reports. 15 USC 1681 section 603 ( 3 ) ( E ) States ; " Investigative means a consumer report '' or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous of times, I have tried doing investigative reports.

The credit Bureaus violated my given rights under 15 USC 1681 It States that : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also, 15 U.S.C 1681 Section 604 A Section 2 states that consumer reporting agency can not furnish account without my written instructions.

According to : 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. 

Account Name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX  XXXX Account number : XXXX
Product: Mortgage

This information is pending and was not aware of property undergoing auction sale? I am also needing assistance with funds if there are available grants. 
This information is being requested due to different information given that my property is undergoing foreclosure process in XXXX XXXX and I was informed that I had forebearance until the end of XXXX XXXX I have been receiving false information and this could have been resolved prior to the current state that my property status conditioned.
Product: Vehicle loan or lease

The years between XXXX and XXXX, my old co workers from XXXX XXXX named XXXX and XXXX. I don't know their last names. We used to work together at XXXX XXXX XXXX under our boss XXXX XXXX. I believe that XXXX opened my Chase bank account auto loan in my name and was trying to get a fruadulent auto loans in my name. She has a gas station credit card in my name. Both of them XXXX and XXXX keep complaining and wants me to buy too many cars. Also, they were trying to get a fruadulent home mortgage loans and home title in my name. They always being contacted by my employers and all of applications where I applied to and always accessing in my accounts ( XXXX page, email addresses, and cell phone accounts ) They have my identity and fake driver 's license in my name. They are trying to steal my money in savings accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I made payments XXXX and showing account open. Attached showing account closed on credit report yet showing open on XXXX and Transunion. Showing made payments on Transunion yet late payments on XXXX. However, no payments from me were never made showing from XXXX to now. 
No balance is due Airport Infinity fraud and XXXX XXXX gave wrong information to XXXX 

PLEASE PROVIDE PROOF PAYMENTS WERE MADE FROM ME FROM XXXX. 

PLEASE PROVIDE PROOF OF THIS BALANCE STATED WERE DUE. 

PLEASE PROVIDE PROOF OF ANY LATE PAYMENTS. 

PLEASE PROVIDE STATEMENT FROM CAR DEALERSHIP WHO PROVIDED THIS INFORMATION TO XXXX XXXX PLEASE PROVIDE WHO IS DIRECTLY REPORTING THIS INFORMATION. 

PLEASE PROVIDE PROOF IF PAYMENTS WERE MADE BY ME FROM XXXX TO XXXX WHY IS THE BALANCE THE SAME AND DOESN'T CHANGE OR GO DOWN? 

WHY WOULD THE BALANCE REMAIN THE SAME IF I WAS MAKING PAYMENTS? 

WHY IS THIS ACCOUNT SHOWING 7 YEARS AND 7 MONTHS ON CREDIT REPORT? 

PLEASE PROVIDE PROOF WHY THIS ACCOUNT IS SHOWING OVER THE 7 YEAR STATUE PER THE CFPB GUIDELINES.
Product: Mortgage

I fell behind on the loan payments XX/XX/XXXX. XX/XX/XXXX I made an attempt to pay all back due payments. I was told the loan was in default. Important information concerning the loan status had been sent to the physical address instead of my mailing address so I was unaware of the default status and unaware that I had been approved for a Modification offer because this information was sent to an address other than the office where I receive all mail. The physical building is a small apar apartment with XXXX units and I do not live there. I sent written correspondence dated XX/XX/2016 explaining the situation and asked tha to be taken off default status and allowed to pay my loan current. 
My request was denied by letter on XX/XX/2016. I was informed that if I wanted to keep the property, my option would be to apply for a loan modification. I sent all documents requested on XX/XX/2016. 
I waited because Seterus, Inc. told me it would take 45 days to process. 
I called Seterus offices several times to check the status of the modification. I was told each time just to keep waiting that they had all documents required and that I was in process for modification. Finally on XX/XX/2016 XXXX XXXX, who is a representative at Seterus told me that our documents were not in process because they needed more information. She said it was a mistake that I was told otherwise. I again submitted more documents on XX/XX/2016. 
I waited again and each time I call to check the status of my modification I am told something completely different! I do n't know what is going on. 
I am not permitted to speak with anyone other than a service representative. There are no supervisors and I am not permitted to speak with the loan modification specialist. I want my modification package to be reviewed and accepted. It is their error that I am in a default status. They sent important documents to the incorrect address where I could not possibly receive them and therefore I did not respond in a timely manner. I do n't know how to communicate with them because each person I speak with tells me something different!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I reviewed my credit report and was in shock and disbelief after discovering an auto loan account that was never mines and also appeared to be reporting inaccurate data or information. I've reached out to Experian several times since XX/XX/XXXX with disputes ranging from dispute letters, Identity theft affidavits and a police report as the Federal Trade Commission suggest when you've been a victim of identity fraud. Upon researching laws under the Fair Credit Report Act I also realized that this account had not been blocked as per section 605b states once a consumer notifies a bureau he or she has been a victim of identity theft. In addition, how can Experian currently be reporting this account 180 DAYS PAST DUE IF THE ACCOUNT WAS 120 DAYS PAST DUE IN XX/XX/XXXX?? THAT IS OBVIOUS INACCURTE INFORMATION AND GROUNDS FOR REMOVAL FROM MY CREDIT REPORT ALONE. Experian seems to have simply ignored my information ( Identity theft affidavit and Police Report ) since this account still appears on my credit file. I find these actions unjust and deliberate violation of the Fair Credit Reporting Act sections 609 and 611. After submitting all the necessary documents to support my claim, this account should not be reporting on my credit file period. I am well educated when it comes to consumer laws and rights of the FCRA and for Experian to attempt to accuse me of using a credit repair company would be not only false, but a deliberate refusal to honor my request. I am filing this complaint in attempt to try to resolve this matter
Product: Credit reporting or other personal consumer reports

I am disputing this ( Absolute Resolutions ) account on the basis of the following legal grounds : Failure to Validate Debt - Under 15 U.S.C. 1692g, the Fair Debt Collection Practices Act ( FDCPA ) requires that the debt collector provide proper validation of the debt upon request. This includes the original contract bearing my signature and a complete payment history.

Violation of 15 U.S.C. 1681e ( b ) - Credit reporting agencies must ensure " maximum possible accuracy. '' If the information is inaccurate or unverifiable, it must be removed.

Violation of 15 U.S.C. 1681s-2 ( b ) - The data furnisher has a duty to conduct a reasonable investigation upon dispute. If they can not provide original documentation proving the validity of the account, it must be deleted. 


Reporting of an Account in Violation of the Statute of Limitations- If the debt is beyond the statute of limitations for collection or litigation in South Carolina, it is no longer legally enforceable and must be removed from my report. 


I request the following actions : Conduct an investigation as required by the FCRA. 
Provide me with documentation verifying the accuracy of the account. 
If you can not verify the accuracy, remove this account immediately. 
Please be advised that failure to comply with federal laws may result in legal action being taken against your agency for damages as allowed under FCRA and FDCPA. I expect a response within 30 days as required by law.
Product: Debt collection

I get numerous calls a day in regards to a debt that I do not owe or even know about. I keep telling them to stop calling its not my debt. I asked them to furnish proof that this is me and they insist I give them my social security number. I refuse and they hang up and try again.
Product: Credit card or prepaid card

I have 3 accounts with American Express that were included in a debt consolidation agreement with my now ex-husband in XX/XX/2019. ( See attached debt consolidation agreement ). Amex marks these 3 accounts as late in XXXX of 2019 despite being part of the debt consolidation agreement ( once the agreement is signed, which is was on XX/XX/XXXX, it's out of our hands and the debt consolidation company takes over ). The payments were not late as they were all done through the debt consolidation agreement, and the payment plan has now been completed TWO YEARS AHEAD OF SCHEDULE, so it's very obvious that we weren't shirking our responsibilities, we paid everything on time and even several years early, yet it's still showing late payments in 2019 when they were under the debt consolidation agreement. I disputed it with XXXX and XXXX, and Amex replied to XXXX that they had updated the account, but it hasn't happened, the payments are still showing as late, and with XXXX Amex said the accounts were correct as reported so no changes were made.
Product: Debt collection

I reached out to Transunion to remove a bankruptcy from my credit profile and for proof of the reporting company who furnished this bankruptcy report to my credit profile. I was told by Transunion that XXXX XXXX is the furnisher whom they received the information from. I reached out to XXXX XXXX and they denied having a bankruptcy on file to furnish to Transunion. I also received a copy of my XXXX XXXXXXXX credit report showing proof that it doesnt exist and Transunion is not being truthful. Im submitting a copy of my report from XXXX XXXX as proof that their is no such reporting.
Product: Credit reporting or other personal consumer reports

Company is blaming a secure portal for misusing and allowing other individuals to access PII
Product: Debt collection

I left from being a resident of XXXX of XXXX in XX/XX/XXXX. I told them I would no longer be a resident in XX/XX/XXXX and to switch me to month to month until I finally leave in XXXX. They said no problem. Upon moving out in XXXX and turning in my keys in the drop box. I get multiple calls, telling me that I did not expressly notate when I would be moving out and therefore owe another month 's rent. After speaking with the lady for about 2 weeks about how I told them almost 3 months in advance. We compromised, so they told me I owed a few payments of however much, this is after they took my deposit from me. I make payments 3 which were the agreed amount. They call me a month later and express I still owed additional final payment of XXXX - XXXX dollars. I disagree, I asked them to send me information to verify how much I owe, they do not. I asked them to forward me my mail from my residency there, they also do not. Of course, for the most part I have e-communications for most of my information, however the lack of cooperation and the continual adding of balances which are never verified are ridiculous. I then get a call XX/XX/XXXX from a collection company after purchasing said balance now the amount owed XXXX dollars. Again, I asked for verification of debt, or information about the balance and information that says I agreed to selling my information over to a third party. No information was given, even now.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.s. code $ 1666b timing of payment A creditor may not treat a payment on a credit card account under any open or consumer credit plan as a late payment 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 titlw is mailed or delivered to the consumer not later than 21 days before the payment due date... the acxount came back verified 611-15 u.s.c {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning inaccurate negative reporting on my credit reports from XXXX XXXX. As of today, XX/XX/XXXX, my XXXX and Experian reports are reflecting that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the XXXX XXXX to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with XXXX XXXX I have email confirmations of my payment schedule and payoff dates from XXXX XXXX to confirm. 

I have attempted to dispute this inaccurate infomation with Experian and XXXX, and I have contacted XXXX XXXX via email to resolve this issue. XXXX XXXX refuses to remove the inaccurate reporting from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Appearing on Experian and XXXX  is XXXX. XXXX .XXXX  account XXXX. 
The balance on this account is XXXX dollars not what is being depicted. 
Experian automatically says the dispute is frivolous and won't allow a dispute..Experian breaks the law the FCRA in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrectly reporting late payment. NEVER LATE XXXX XXXX ACCOUNT # XXXX BALANCE XXXX
Product: Bank account or service

XXXX : Citibank promised me a {$400.00} bonus for opening a checking account. 
XXXX : Citibank reneged on this promise. 
XXXX : I filed a complaint XXXX with CFPB. 
XXXX : Citibank promised to pay bonus on or around XXXX XXXX. 
XXXX/XXXX/XXXX : Citibank again reneges on promise. 
XXXX/XXXX/XXXX : I filed a complaint XXXX with CFPB XXXX/XXXX/XXXX : Citibank promised to pay bonus in 48 HOURS and left contact number XXXX XXXX/XXXX/XXXX : After waiting 12 days, still no promised bonus. Voicemail messages to given number go unanswered XXXX/XXXX/XXXX : I am filing my third complaint on this issue
Product: Debt collection

My credit report states that a Kohls Department Store was opened in my name on XX/XX/XXXX and states Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. I filed a dispute with XXXX  and the dispute is stated it was updated. When I asked Kohls information on this account, I have heard nothing back from them.