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

I have heard and read about the recent credit report and social security number leaks from Equifax, and am concerned about the security of my social security number and my credit information. I have also attempted to check to see if I was affected by this info leak, and then discovered that Equifax has been randomly generating screens that say your information was or was not compromised regardless of the information entered. This is especially concerning, as it implies that Equifax is not even aware of exactly who did or did not have their information compromised. 

I would like to take every step to ensure that my information is made secure again if it was compromised, and I would like a detailed explanation of how this could have happened, how it will be prevented, and how I and others who had their information compromised will be made whole again.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Formal Dispute and Request for Removal of Late Payment Notations Under 15 U.S.C. 1666b, 1681s-2 ( a ), and 12 CFR 1026.13 This letter constitutes a formal dispute of inaccurate and potentially unlawful late payment notations currently being reported on my consumer credit report by [ Creditor or Furnisher Name ], related to the account ending in [ Last 4 Digits ].

After reviewing my account records and applicable federal consumer protection statutes, I have reason to believe that the late payment entries reported to consumer reporting agencies are not only factually inaccurate but also legally unenforceable, based on violations of the Truth in Lending Act ( TILA
) and the Fair Credit Reporting Act ( FCRA ).

1. Violation of 15 U.S.C. 1666b Failure to Provide Minimum Grace Period for Payment Under 15 U.S.C. 1666b, creditors must ensure that any credit card statement reflecting a balance is sent at least 21 days before the payment due date. If the statement was not delivered within this window, any late fee assessment or negative credit reporting tied to that statement may be unlawful.

It is unclear whether the required statement timing standard was met in the billing cycles associated with the reported late payments. If the creditor failed to comply with the minimum 21-day advance notice requirement, any related delinquency reporting is legally defective and should be deleted immediately.

2. Violation of 12 CFR 1026.13 Billing Error Dispute Rights Pursuant to 12 CFR 1026.13, consumers have the right to dispute billing errors in writing within 60 days of the first appearance of the error on their periodic statement. Upon receiving a proper dispute, the creditor must : Acknowledge the dispute within 30 days, and Resolve or investigate it within 90 days ( or two billing cycles ). 
If the creditor failed to properly respond to any disputes I raised in writing concerning incorrect due dates, misapplied payments, or system errors, then continued reporting of a late payment is in violation of Regulation Z and must be removed.

3. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Obligation to Report Accurate Information As required by 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), any information furnished to a consumer reporting agency must be complete and accurate. This statutory obligation includes late payment reporting. If a late payment was reported due to : Misapplied payments ; Failure to honor the 21-day notice ; System, commu
nication, or mailing errors ; or A pending billing dispute under TILA, Then the furnisher is in violation of their statutory duty and must immediately correct or delete the entry.
Product: Credit card

I have sams club master card.I have XXXX stores and all seperate sams club master card.Every week we buy from sams club and pay off.I have {$15000.00} credit limit and every week I buy more than {$12000.00} cigarettes and grocery for my store. Synchrony bank said every week you are paying is unusual payment activity and they close my all three account and he fortified my more than {$7000.00} rewards, I called couple of time he said open new account, I said I dont want to open new account because may be you close account again and you fortified my rewards, I told sams club manager XXXX, XXXX and he tried to open my account but Synchrony bank said no more rewards, so If they closing my account I have no problems but I need my rewards back because it is allmost {$7000.00}
Product: Debt collection

I received court documents that I was being sued Was never notified by New Financial of existing debt This debt is no longer on my credit report, they didnt show state to of my account, payments I made prior THey didnt say they have legal right to satisfy this debt - even after I asked Told me there was on docket number with the court that I was not being sued - after that my job received garnishment papers. 
This company has been sued multiple times for using unfair practices and illegal tactics to satisfy debts they purchased. New century financial no longer owns this debt.
Product: Debt collection

Upon reviewing my Credit Report, I've seen an inaccurate record from Calvary Portfolio Services. On XX/XX/XXXX I've sent them a letter, requesting validation of this debt and ask to stop all collection activities, until such dept is properly validated ( as XXXX XXXX, plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX ). 

Instead of sending me requested documents, Calvary Portfolio Services replied with just an " account is accurate '' letter ( see file attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian National Consumer Assistance Center XXXX. XX/XX/XXXX XXXX, XXXX, TX XXXX Re : Dispute Account Information To Whom It May Concern : Im writing you in regard to these accounts on my credit report you claim I owe. Since Im unaware of these debts and its origins, Id like to formally request validation of these alleged debts. To be clear, I am unaware of these debts and according to the FDCPA, Im disputing these debts and need complete, irrefutable evidence these accounts is legitimately mine and this claim is legally yours, you are legally allowed to collect on it, as well as report it to the credit reporting agencies. 

Name of Account : Open Date : Provide Physical Proof of Validation : XXXX XXXX XXXX XX/XX/XXXX Non-validated Account XXXX XXXX XXXX XX/XX/XXXX Non-validated Account XXXX XXXX XXXX XX/XX/XXXX Non-validated Account XX/XX/XXXX XX/XX/XXXX Non-validated Account XXXX XXXX XXXX XXXX XXXX XXXX Non-validated XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Non-validated Account Please respond to me with the following information : Proof I agreed to this debt with my signature ( s ) Proof the amount you are claiming is correct and legal, which will require all statements and payment history from the original creditor Proof this account is within the Statute of Limitations and has not expired Proof you are the owner of this account, which will require the contract and terms between you and the original creditor Proof you are legally licensed to collect this debt in my state For verification purposes, I will need your business license number ( s ) I am sure you are aware if you are unable to provide these few basic facts, you are in violation of the FCRA and FDCPA, as well as potential state and local laws. That being said, if you can not provide this basic information, and continue to report these unverified, non-validated debts, I will pursue this legally for violating the Fair Credit Reporting Act. 

Until this debt is validated, I request the above accounts be removed from all credit reporting agencies, since it is not been validated. Please remove all references regarding these debts from all reporting agencies until you can provide irrefutable evidence this debt is legitimate and you are legally allowed to collect on it as the owner of this debt. 

If you are unable to provide the proof I requested within 30 days of receipt of this notice, please remove and/or continue not reporting this account from all reporting agencies, which is mandated under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX -Untitled { Collection/Chargeoff, Collection } XXXX -Untitled { XXXX XXXX XXXX } XXXX -Untitled { Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - - - - 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 an account without my written instructions. ''
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  XXXX Account Number:XXXX  FTC Identity Theft Report : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX Consumer Reporting Agency , Equifax Consumer Reporting Agency , and XXXX Consumer Reporting Agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX on XX/XX/year> under account # XXXX. 


This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account and hard inquiries as reported. The aforementioned account and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account and hard inquiries are the result of identity theft and as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I started the process of repairing my credit as it is important to me. I settled and closed the accounts that were listed on all XXXX credit reports. I also disputed any inaccurate information on all XXXX credit reports. I followed all instruction given to me by all XXXX credit bureaus. I called all XXXX credit bureaus to confirm that all information and payments were received, they sent me letters confirming that the paid/settled accounts were closed. I lowered the balance on all active credits cards and made sure they were all in good standing. I also registered with XXXX XXXX to make sure I monitor my credit report daily as instructed to do so. However, there has been XXXX change in my credit score, all XXXX credit bureaus are providing completely different information as well as credit karma. 
Example : XXXX site is stating my XXXX XXXX is XXXX, but Experian site is saying my transunion XXXX XXXX is XXXX. I pay a monthly fee to monitor these XXXX reports and I feel like no matter what I do or what instruction I follow or what monthly fee I pay, I am being scammed because I have yet to see any significant changes in my credit report & score. I am being given the run around and non of my questions answered, and if I want " more access '' its a different fee added. Now that I am complaining to them, all of a sudden I have no access to my accounts. This is exhausting and discouraging. I am trying to make things right with my credit and I am getting no where. I truly need assistance with this matter as I feel I am being scammed by all XXXX credit bureaus and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to ask for your help regarding these unauthorized inquiries in my credit report. Been reporting these for two months now but they haven't gotten them off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
This is my third 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 an alleged fraud or extortion. 
XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Mortgage

Hello, I have a conventional mortgage with Wells Fargo. I was concerned that my mortgage payment had not been successfully debited from my bank checking account, so I logged into Wells Fargo to check my account TWICE - on XX/XX/XXXX and XX/XX/XXXX. On BOTH those occasions, my online account showed that the account was in good standing and my payment had indeed been made to my mortgage on XX/XX/XXXX as it is scheduled to automatically debit on that date. Yesterday, XX/XX/XXXX, I received an email from Wells Fargo that stated that my payment had NOT been made due to insufficient funds in my bank checking account. This was the first time that I had proactively been told that anything was wrong with my XX/XX/XXXX  payment. Conveniently, Wells Fargo only notifies one of a failed payment AFTER their 15 day grace period! They charged my account {$59.00} for late fees. What is also odd is that Wells Fargo let me schedule my payment for the XX/XX/XXXX even though the due date XX/XX/XXXX! This burns 5 days of " grace. '' I always assumed that if Wells Fargo allows me to pay on a particular day, then that is synonymous with the due date. Why would I want to schedule my monthly payment LATE every month?! Seems very odd. On top of this, Wells Fargo has removed the ability to edit or modify your automatically scheduled payment. They make it difficult to alter your payment due date or amount ( e.g. if you want to pay extra against your principle ). They set up their systems to proactively tell you your payments have been made, when they have not and then notify you AFTER their 15 day grace period, that, in fact, the payment had not posted, then charge you fees for this. Their system and processes are created to generate fees. Providing FALSE and inaccurate account information simply is NOT ethical. Showing in your online account that your payment has posted and been made is unethical.
Product: Mortgage

After providing a mountain of documentation verifying both my income and that of my company the lender requested I commit mortgage fraud, see below. I explained our year ends XX/XX/XXXX and we have been working on getting XXXX finalized. Now I am to settle on XX/XX/XXXX- they want me state profitability and certify it with my signature, that is not possible until XXXX  adjustments are made. this loan has been in the works for 2 months and at the last minute they are telling me to commit fraud if I want the loan. 




From the lender : Good afternoon XXXX, So, in order to close on time, we will need a year to date XXXX XXXX XXXX from XXXX to now. This does not have to be a XXXX  certified document. A simple XXXX spreadsheet will do. In the past, we have had companies less involved than yours put it on a napkin before and signed and dated it and that worked fine. Not saying you have to do that but just making it clear that it doesnt have to be a CPA certified document. 

Just needs to show accurate profits and losses this year and needs to be signed and dated by you so underwriting can calculate it and give us the all clear. We will need this as soon as possible so we dont have to push back closing. 

As always, we are on your side and want to keep the process smooth. Let me or XXXX know if you have any questions! 



XXXX XXXX XXXX # XXXX Loan Consultant ( XXXX ) XXXX office ( XXXX ) XXXX cell ( XXXX ) XXXX fax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on any purpose As you may be aware, this section mandates strict permissible purposes for accessing and reporting consumer credit information. The presence of these late payments on my credit report constitutes a violation of this statute. Consequently, I am requesting the immediate deletion of these late payment entries from my credit report to rectify this error and ensure compliance with federal regulations.

Please confirm in writing the deletion of the late payment entries within 30 days of receipt of this letter. I appreciate your prompt attention to this matter and look forward to your swift resolution.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate information reported on my Experian credit report. Despite my repeated efforts to dispute these inaccuracies directly with Experian, no action has been taken to address my concerns or provide proof of an investigation. Accounts in Question : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  ( installment account ) XXXX XXXX ( revolving account ) XXXX XXXX XXXX XXXX Actions Taken : XXXX. XX/XX/year> : XXXX sent my first written dispute letter to Experian, requesting an investigation into the above accounts. I clearly outlined that the information being reported is inaccurate and requested : Proof that an investigation was conducted. Verification and documentation proving the accuracy of the reported information. A deletion of the accounts if verification could not be provided. XXXX. XX/XX/year> : I sent a follow-up dispute letter reiterating my request for a reinvestigation, verification, and correction or deletion of the disputed accounts. I also restated my demand for proof that the reported information was accurate and properly verified. Experian 's XXXX of XXXX : To date, Experian has not provided any documentation or correspondence to confirm that an investigation or reinvestigation was conducted. Additionally, I have not received proof that the reported information is accurate, as required under the Fair Credit Reporting Act ( FCRA ). This lack of action and communication violates my rights as a consumer and has caused undue XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is incorrectly reporting a balance due in the amount of {$65000.00} on a tax lien with the XXXX COUNTY COURT File # XXXX and Ref # XXXX. ( Please see page attached from my credit report. ) This judgment has been satisfied and paid in full. I have attached a copy of the Certificate of Release of Federal Tax Lien filed XX/XX/2019. LexisNexis continues to report this tax lien on my credit report. Since this Federal Tax Lien was satisfied, it should not be reporting any longer. The fact that this is still reporting is a clear violation of the Fair Credit Reporting Act. Under the F.C.R.A. I have the right to dispute incomplete and/or inaccurate information on my credit report. LexisNexis has failed to remove this item despite the fact that I have provided them proof, from the Court, that this tax lien has been satisfied. In addition, LexisNexis has been entangled in a class action lawsuit wherein they were selling consumer information to debt collectors to assist them in collecting debts without treating these reports as a consumer report within the meaning of the F.C.R.A. This continues to show a lack of due diligence in removing inaccurate items on a credit report in a timely manner. I have contacted XXXX County Court, as well as LexisNexis, to remove this item however, I have not been successful.
Product: Mortgage

In XX/XX/XXXX, we received a letter about receiving Homeowner Assistance Funds from the XXXX in FL. The letter states for 18 months at the then-mortgage payment of {$1800.00} ( and some change ). Our lender, Cross Country Mortgage, received payments directly from XXXX in that amount just fine for months until XX/XX/XXXX. The payments suddenly stopped. We have yet to have an XXXX payment go through either. That is two payments missing. Every time I call the HAF XXXX FL they say it was sent, they say the XXXX payment was cashed ( it wasnt ), they say they launched an investigation well nothing is happening. This was supposed to help us. We are in a world of debt, our home is already being listed, and in order to pay the XXXX and XXXX payments, I had to do another balance transfer from credit cards. The HAF XXXX FL is a lying scam, they cut us off instead of completing the full 18 months of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2020 @ XXXX XXXX. two deposits into a hsbc premier checking account in the amount of {$380000.00} these deposits were processed and supposedly deposited into my account. I called hsbc and asked them whats going on and they told me Somehow there was no record of those transactions and that they never existed I have proof that their misinforming me and misleading me. Im confused and I just want understanding and to be redressed. Refer to the pictures and ask them if they have record of those two transactions their going to say no.
Product: Checking or savings account

My account was overdrawn for a month I have called them to ask why? But it was not solved. I didnt understand why my checking account was closed due to overdraft which I had no knowledge of. My checking account was overdrawn for {$74.00} which it should have not been. And then closed by the company Im very much not pleased with the actions that has been taken. I have called many times because charges was made on my account without any knowledge of me doing it!! Thank you