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

My information was sold and bought illegally because I was a victim of the Equifax Data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, & XXXX CARD 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 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 60 days 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 XXXX  days before the payment due date. 


XXXX XXXX, & XXXX XXXX Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

I made a purchase and change my mind. I contacted XXXX to no avail. I chatted, emailed on numerous occasions. All unanswered with a final one that gave some glimmer of hope- they confirmed the request to cancel was in the cancellation window and even offered ways to have my funds returned. When it was time to confirm the funds were to go back to my card, they said there was some kind of issue and that it would be escalated, and I would hear from them in the next 7 days. I never did. I opened a dispute and explained and sent PROOF of the many attempts I had made, confirmation of being in the cancelation window and being asked how I wanted my funds back. That proves I was correct. BUT Capital One sided with the XXXX and closed the investigation, I even spoke to a supervisor. She told me to send more emails to " build my case ''. I did so for absolutely nothing. Case closed. What in the world do I need them to dispute anything if they are not investing but rather taking the word of the merchant? The merchant that has so many complaints against them? They do not have a number to speak to anyone. I wonder why!! I spent hours trying to cancel. This is horrible and crazy!!
Product: Debt collection

D2 Management with phone number XXXX is calling me all day even at work threatening me with legal action if I dont give my personal information about a debt collection. I asked them whats all about they told to do what they told me to do, I asked them for information and license of their company but he refused.
Product: Mortgage

Bank of America willfully commit fraud by allowing their attorney XXXX XXXX XXXX XXXX, XXXX, with the XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX to issue an order to auction off property to satisfy a debt by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, knew that XXXX XXXX XXXX does not own the property to be auctioned off by the XXXX County Clerk of Court, to continued the fraud. 

It is illegal to sell a third party 's property to pay off a debt by for someone else. 

Please find attached a copy of the filing # XXXX E-Filed XXXX/XXXX/XXXX by Bank of America to auction off property by XXXX XXXX XXXX. 

The Foreclosure judgement was against XXXX XXXX XXXX, as per the Notice of Auction Sale. There was NO Judgement against the " XXXX XXXX '' The " XXXX XXXX '' was never a party to the foreclosure action Please find attached a copy of the XXXX County Property Appraiser of XXXX, FL., confirming that the property is owned and deeded to the " XXXX XXXX '' The XXXX County Property Appraiser of XXXX XXXX confirms that on XXXX/XXXX/XXXX in Book/Page XXXX a QUITCLAIM deed was executed and transferring ownership to the " XXXX XXXX '' Please find the tax record by the XXXX County Tax Collector , XXXX , FL. , that the property is taxed under the name of the " XXXX XXXX,. XX/XX/XXXX
Product: Credit card

In XXXX of 2015, I did a transfer fee to my Discover Cards in the amount of {$3300.00} to consolidaye my debt. I opted for the 0 % APR with a {$99.00} transfer fee. However, I was then being charged a " Minimum Finance Fee '' of {$0.00} per month. Come to find out, this was interest on the " Payment Protection Program '' I was enrolled in that is assesed monthly. The " Minimum Finance Fee '' is automatically charged the same time as the " Payment Protection Program '' fee because I have a running balance due to the transfer ( even though that running balance is at 0 % APR ). There is no way for me to pre-pay this " Payment Protection Plan '' fee except by paying off the total amount owed, which is currently {$1500.00}. They claim this is because of " Daily Residual Interest '' but they do n't even give me 24-hours to pay off the " Payment Protection Plan '' fee. Is this legaL?
Product: Debt collection

I am submitting a claim against Midland Credit Management and XXXX XXXX XXXX regarding their actions in a lawsuit filed against me, their failure to provide the required verification of debt information, and their failure to comply with the court-ordered arbitration. 

Background Information On XX/XX/scrub>XXXX XXXX XXXX, I received a lawsuit filed against me by Midland Credit Management and XXXX XXXX XXXX. In response, I sent a request on XXXX XXXX XXXX requesting the following information to verify the debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ) : The amount of the alleged debt. 
The name of the original creditor. 
Verification or a copy of the original contract or agreement. 
Proof that Midland Credit Management is authorized to collect this debt on behalf of the creditor. 
The original creditors contact information. 
The original account number. 
The date the original creditor transferred the debt to Midland Credit Management. 

Despite my formal request, I received no response from Midland Credit Management or XXXX XXXX XXXX. Additionally, on XXXX XXXX XXXX the court ordered that the case require arbitration per the original creditors agreement, further emphasizing proper verification and compliance. 

Failure to Respond and Further Actions On XXXX XXXX XXXX, after the XXXX validation period had expired, I sent a follow-up letter demanding that Midland Credit Management drop XXXX XXXX and remove all negative entries related to this debt from my credit report. This request was made because they failed to provide any of the information I had asked for, as required by law. 

I have not received any documentation or communication from Midland Credit Management or XXXX XXXX XXXX to substantiate this debt, nor have they complied with the courts order to enter arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not mine inquires/ 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: Credit card or prepaid card

My credit was impacted negatively from American Express reporting to my credit that I was 30-59 days late as my worst payment status from XX/XX/2022 through XX/XX/2022. I communicated to American Express that I was impacted negatively financially due to XXXX and was put on a payment plan but I was not aware that negative credit history was going to be reported on my credit report. This charge card is since paid off and I would like to request that American Express removes the negative late payment history reported from my credit reports all 3 credit bureaus. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

I am a victim of identity theft by a collection company called XXXX XXXX  XXXX and now by the Credit Bureaus Experian XXXX XXXX and XXXX, I sent a copy of my identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I requested that the consumer reporting agencies place an immediate block on the following fraudulent information ( documents attached ) in my credit file within 4 days upon receipt of my correspondence, and they ignored my request. 

I filed a complaint with the Attorney General as well. ( Attached ) all documents sent in support of my claim ( attached ) XXXX to cure letter ( attached ) why the XXXX XXXX XXXX wants to take advantage of consumer rights, they don't care and just violate the FCRA law day by day. They do what ever they want with your consumer report and No one stops them.
Product: Vehicle loan or lease

I enrolled in autopay as soon as I was able to. I received electronic and written confirmation that I was " successfully '' enrolled in autopay. I therefore assumed that autopay was working, as I had no reason to believe otherwise. Then, about a month later, after having no further contact with the lender, I received a phone call that my account was in default. Apparently a disparity between the legal name on my bank account and on the title to my car had caused the bank payment to bounce. The bank account numbers were all correct. Even though the original payment bounced on XX/XX/XXXX, and I enrolled in autpay on XX/XX/XXXX, I never heard a XXXX peep until the account was more than 30 days past due. This is the part that the lender dropped the ball on : sending confirmation of enrollment in autopay through multiple channels of communication, and then never saying that the autopay never even worked to begin with (?! ) until more than 30 days had elapsed after the payment due date. The account is now current, but I'm stll horrified that the lender would mislead me about enrollment in autopay, and worried about my credit. Were it not for a shocking phone call that arrived last week, when the acount was already overdue, my last communication with the lender would have been to confirm successful enrollment in autopay.
Product: Checking or savings account

On Thursday XX/XX/XXXX and every 2 weeks I receive my early deposit of my paycheck around XXXX or XXXX. At that time I got nothing. Went to my dr appt and when I got home around XXXX we got an email stating there were issues with a vendor on XX/XX/XXXX and it would be resolved on Friday morning XX/XX/XXXX. Friday morning is coming and going. I called capital one 3x and was disconnected all 3x. I called a local branch and they said they were supposed to have it fixed this morning but its not and no eta and its 3 day weekend. I was supposed to buy food for the family and I can not feed my family. And there is zero communication from capital one. I want my money with interest because Im going to get a ton of late payments and they are gon na gon na get rejected.
Product: Mortgage

The mortgage company caused multiple delays in the closing process. These delays caused much stress for both me the buyer, as well as the seller who almost cancelled their contract. This issue resulted in XXXX closing dates not achieved, as well as several thousands of dollars of extension fee 's that were levied onto my loan even though I had nothing to do these delays, XXXX % of the time I returned any requests, or documents requested before the next day. I feel this was a form of extortion, for that regard, it would be next to impossible to restart the process with another institution this far into the process. Furthermore upon reflecting back to those issues, I feel that maybe those issues were intentionally caused, maybe to create a stream of revenue for the bank, which if that is the case I think it maybe fraudulent.
Product: Debt collection

I am disputing the above reference reported to XXXX, XXXX and XXXX credit bureaus agencies account in collection Please correct status required by the Fair Debt Collection Practice Act. 

I dispute this accuracy because I did enroll in debit program with In-person payment made issued an amnesty payment of {$25.00} Aldous & Associates : notifications to representatives on my account, thus, having to extra time to pay the monthly payments due amounts in a timely matter to Aldous & Associates : It appears as Collection negative accounts on my credit report. I believe this business practice is reflecting the inability to obtain a financial position in the job market. Please remove from all three credit report agencies entirely. 

I am disputing this day you record, you should not report it to the credit reporting agencies, if you have already reported it, please notify the credit reporting agencies that the delinquency is disputed and delete the trade-line from my credit report. Reporting information that you know to be inaccurate, and failing to report information correctly, violates the FDCPA and Fair Credit Reporting Act. 

Aside from verification of the days, do not contact me about this debt. The FDCPA requires that you honor this request. Thank you. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo deactivated my account on XX/XX/year> they didnt tell me the specific violation against their agreement terms that I violated I asked and requested this information numerous times .. venmo wont allow me access to the funds that are in my deactivated account they wont release these funds to me or let me withdraw my money to my bank account this money is not fraudulent at all the money is rightfully mines, I have won this money from XXXX XXXX  and XXXX, XXXX XXXX  Venmo only said I violated there terms and agreement that does not give Venmo the right to keep me from accessing the money thats verified and not fraudulent I demand Venmo to give me access to my money immediately .. Venmo has denied me access to my money for 180 days and this will put me in a financial crisis and I will lose my job and my home is I cant access and withdraw this money from my deactivated Venmo account asap.. I request Venmo to unfreeze my account so I can withdraw my money thats rightfully mines
Product: Credit reporting or other personal consumer reports

Fraudulent Activity and Violation of Privacy Rights by XXXX, Equifax, and XXXX. I am writing to formally lodge a complaint regarding significant violations of my rights by the credit reporting agencies XXXX, Equifax, and XXXX. I believe these agencies have engaged in fraudulent activity by violating my right to privacy, sharing false and misleading information about me, and reporting an erroneous account on my credit report. The following company have been listed on my credit report as fraudulent or inaccurate accounts, none of which I have authorized or have any relationship with : XXXX XXXX XXXX. This account has severely impacted my credit score and financial standing, and despite my efforts to rectify the situation, the credit reporting agencies have continued to report this inaccurate information. This not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ) but also represents a breach of my right to privacy, as my personal information has been handled and shared improperly. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take the necessary actions to ensure this fraudulent and inaccurate account is removed from my credit report. I am also requesting that the CFPB ensure that XXXX, Equifax, and XXXX comply with their legal obligations to protect consumers privacy and accurately report credit information. Please feel free to contact me should you require any additional information or documentation regarding my case. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Mortgage

My husband passed away on XX/XX/XXXX. He had a first loan and a second loan on the house. The second US Bank, I have been having difficulty with communication. US Bank said they needed {$6400.00} in XXXX to bring it current. I sent US Bank a cashiers check via overnight mail. Weeks went by, and I received nothing by mail. I contacted them, and they said I should receive something in the mail. I wait. In XXXX, I called and inquired again about the {$6400.00} XXXX sent, and they could not talk to me because I was not on the loan. I said well, you took my {$6400.00} to bring the loan current. They said sorry, you are not on the loan, but we can accept the money to bring the loan current. By this time, they stopped sending statements in the mail. In XXXX ( possibly the XXXX ), I came home to a Notice of Sale on my door, set for XX/XX/XXXX. I immediately called them back, and they said yes. I spoke with a gentleman named XXXX. He said that US Bank did not file a paper that stopped the foreclosure when the account was brought current. In the meantime, I had to contact the US Bank attorney to try to get it stopped. I received a letter of rescission on XX/XX/XXXX. At that time, I applied for assistance. The bank responded by mail they are reviewing it and could take up to 30 days. Last week I received a letter saying they have closed the application for assistance due to Successor in interest has not been established. This is so frustrating that they can not just let me know they need documents that I have. They closed the case as of XX/XX/XXXX. I am currently seeking an attorney or other guidance.
Product: Debt collection

XXXX XXXX XXXX XXXX is reporting a non-existing account to the credit reporting agencies. I do not owe this collection agency ; I have never signed a contract with this collection agency. The collection agency is trying to collect a debt that is over XXXX years and XXXX  days. The collection agency is fraudulently trying to collect on a debt that does not exist or belong to me. The collection agency has not supplied the first delinquency date to prove the age of the debt, nor have they provided any of the requested validation of debt information.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT PURSUANT TO SECTION 605B, YOU MUST REMOVE THIS ACCOUNT. THE FRAUDULENT ACCOUNT IS XXXX XXXXXXXX ACCOUNT XXXX.
Product: Debt collection

XX/XX/XXXX - XXXX XXXX  sites this date as when debt was owed/product delivered. However, this was a subscription that was cancelled prior to alleged delivery. Additionally, the product this company offered is paid upfront, not after the fact, and product was not delivered/not received by me. 

Further, I never received a bill from the company. I only received ads and promotional material by mail. 

I did pay this bill in full once I received a collection notice on XX/XX/XXXX ( collection notice dated XX/XX/XXXX from Credit Collection Services Ref : XXXX XXXX XXXX ), even though I disagreed with owing this amount. 

I would like to request that this collection be removed from any credit reporting ( if it was indeed reported to credit bureaus ). I would also request amount paid to be refunded as product was not received. 

Thank you, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, we filed a CFPB complaint against USAA for closing our accounts without warning. Since XX/XX/year>, we have been trying to retrieve our money from USAA. As of today, they informed us that we can not access our funds because of the CFPB complaint, and they now need another week to review our account.
Product: Debt collection

ALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors
Product: Debt collection

Credit Management, L.P. is attempting to collect a debt that is not mine. They are finding my number online and using " associated number '' tactics to look for this person. I have stated to them countless times to not call me because I have nothing to do with the debt. I have not cosigned, I have not given them my number as a contact. They are just looking for numbers online and calling to collect the debt. This company is associating names and 'possible ' relationships and just calling blindly. They have been calling for months and is still calling my phone, after I have told them.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, which has resulted in unauthorized accounts and inquiries being added to my credit report. As a result, I am requesting that all fraudulent accounts and inquiries listed below be blocked and deleted in accordance with my rights under XXXX XXXX  XXXX ( a ) and FCRA XXXX ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$13000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$76.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still refuse to uphold the law that applies to them .Equifax deletes then reinstate a account that does not belong to me back on my credit report.