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

I recently pulled my XXXX reports and noticed you are reporting accounts that are incorrectly reported as late or delinquent for Capital one acct # XXXX I requested that XXXX investigate this late payment which has been placed on my credit report causing my credit report to decrease and since then has ruined my reputation. 
Pursuant to 15 U.S. Code 1666b. ( a ) 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.

Pursuant to 15 USC 1692J ( a ) it is unlawful to design, compile and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Because the account was never 30 days past due, and the fact of the payment history attached showing no missed payment, means the account capital one credit card has not been properly verified. Please delete this account Capital one credit card # XXXX immediately from my credit report, as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 Payments were never late exhibits attached to show payments made and a late payment fee being credited to my account, but was reported to the creditors
Product: Payday loan, title loan, or personal loan

American First Finance is charging us 145 % interest rate. That is extremely high. I asked if they could re-run my credit report, in hopes of lowering the interest rate. They refused to do that, even though they say there are other customers with a lower interest rate than what I have. I want to pay off the debt, but at that high interest rate, it will take us a very long to pay it. What are my options? If I just do n't pay them, that will probably affect my credit, and will send me to their collections department. But this is so way and above what any company should be charging.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau FCTUALDATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FCTUALDATA XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX FCTUALDATA XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FACTUAL DATA XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian RENTAL PROPERTY XXXX XX/XX/XXXX Experian RENTAL PROPERTY XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX   XXXX XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  I need those hard inquiries removed from my credit report.
Product: Student loan

To Whom It May Concern, My name is XXXX XXXX, and I am writing to report an instance of identity theft concerning my tax withholdings and financial obligations. For some time, I believed my taxes were being withheld due to outstanding student loans from my attendance at the XXXX XXXX, which has been closed for over four years. However, after contacting the Federal Student Aid office on XX/XX/year>, I was informed that my tax withholdings are actually due to an outstanding debt of {$2600.00} to XXXX XXXX XXXX. 

I was told that this debt was incurred because my name was signed on a Co-Parent agreement on behalf of XXXX XXXX. I want to categorically state that I did not sign my name, nor did I provide any authorization for such an agreement. I never agreed to assume responsibility for any debt related to XXXX XXXX. 

XXXX XXXX, is solely responsible for the {$2600.00} debt to XXXX XXXX XXXX. Any documents or agreements bearing my name or signature were signed without my knowledge or consent, and I did not authorize any financial responsibility related to XXXX XXXX ' debt. 

I respectfully request that this matter be thoroughly investigated, and that all further collections or withholdings related to this debt be halted immediately. Additionally, I request that steps be taken to remove my name from any financial obligations or liabilities associated with this debt. 

Furthermore, I request a refund of any taxes that have been withheld due to this fraudulent debt. 

Thank you for your immediate attention to this serious issue. I am available to provide any further information or clarification necessary to resolve this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX
Product: Debt collection

I have gotten XXXX removed off two of my credit report because of fraud
Product: Bank account or service

I deposited a check into my account which I was under the assumption was fine. After the check was accepted by the ATM machine and it completed the deposit and gave me a receipt. Later I received and Email from Bank of America stating there was some suspicious activity with my account. I was unable to get in touch with the bank that day after several tries. the next day i went to loo at my bank account to see if i could figure out the problem through my mobile app and it said that my account was locked. Once again I called the bank and was told that the check was counterfeit. I told them I was unaware of that fact. I never received any of the funds nor spent any of the money considering that I was not intentionally attempting to defraud the bank. I have had the account for a year and never bounced a check or anything of the sort. Bank of America then told me they were closing my account and that was the end of it because they reserve the right to close any account at any time. What really got me was then they said they reported me to XXXX and I would not be able to open another bank account anywhere for 5 years which as a XXXX year old person not to have a bank account in this day and age is unbelievable. I 've also received two letters from the bank stating the closure of my account but have n't received a check for the that was in account before the deposit.
Product: Mortgage

Subject : Inquiry Regarding Account Credit and Payment Requirement Dear XXXX XXXX XXXX Customer Service, I am writing to express concerns about my loan account ( Loan Number : XXXX ) and the payment request despite a credit balance. According to House Joint Resolution 192 ( HJR 192 ) of 1933, debts can be discharged upon payment in any coin or currency that is legal tender at the time. Additionally, my Social Security Trust Fund is backed by the full faith and credit of the U.S. government, which I understand can be used to offset and discharge debts. 

Upon reviewing my billing statement, I noticed a credit balance ; however, there was no indication of a negative sign or note stating " credit balance. '' In standard accounting practices, the absence of a plus or minus sign typically denotes a positive amount. Therefore, I was surprised to receive a payment request on an account that appeared to have a credit. 

I respectfully request clarification on the following : Account Status : Confirmation of my current account balance and the reason for the payment request despite the apparent credit.

Application of HJR 192 : An explanation of how HJR 192 applies to my account and whether it affects my payment obligations.

Social Security Trust Fund Offset : Information on whether my Social Security Trust Fund can be utilized to offset this debt. 

Please provide a detailed response to these inquiries at your earliest convenience. I can be reached via email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I am writing to formally dispute an unauthorized Discover card account on my credit report. Despite my previous attempts to resolve this issue, the account remains inaccurately listed under my credit profile. This account is not mine, and I have never applied for, owned, or used a Discover card in question. 

This account violates the Fair Credit Reporting Act ( FCRA ) because it inaccurately reflects my creditworthiness and financial responsibilities. Specifically : FCRA Section 611 ( 1681i ) : Dispute Resolution Under the FCRA, credit reporting agencies must conduct a reasonable investigation of disputed items. Failure to remove the account after my prior dispute indicates that the investigation was inadequate or no proper verification was conducted. 

FCRA Section 605 ( a ) ( 1681c ) : Inaccurate or Unverifiable Information The FCRA prohibits including inaccurate, incomplete, or unverifiable information on a consumer 's credit report. The account in question is fraudulent and not mine, so it qualifies as unverifiable and must be removed. 

FCRA Section 623 ( 1681s-2 ) : Responsibility of Furnishers of Information The creditor or data furnisher, in this case, Discover, is responsible for providing accurate information to the credit reporting agencies. It should be removed from my file if they can not verify this account as legitimate and tied to me. 
To support my claim, I am providing the following documentation : I request that you : Reopen the investigation into this dispute. 
Remove the fraudulent account from my credit report entirely, as the law requires. 
Failure to adequately address this dispute may lead to a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) or legal action for violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, The following information is reporting to my credit report is information that i have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit. The following information is fraudulent XXXX XXXX XXXX # XXXX {$3100.00}, XXXX XXXX # XXXX {$1500.00}, XXXX XXXX # XXXX {$66.00}, XXXX XXXX XXXX # XXXX {$2500.00}, XXXX XXXX XXXX # XXXX {$630.00}, XXXX XXXX XXXX # XXXX {$210.00}, XXXX XXXX XXXX # XXXX {$3300.00}
Product: Credit card

Yesterday while checking my account online I noticed a charge from XXXX. It had an alphanumeric number attached. 

I noticed XXXX {$6.00} charges. 

XXXX on XXXX. 

XXXX on XXXX. 

I called the bank today and they verified XXXX other charges. 

XXXX on XXXX. 

XXXX on XXXX. 

Those are also for {$6.00} The charges are not done on the same time each month. I'm not familiar with these charges. There is a lack of information as to where these charges are coming from. 

It seems like XXXX XXXX and XXXX XXXX from XXXX could be tied to this. XXXX purposely didn't include all my photos in an article and didn't inform me until weeks later that my article was posted. She also left off contact information. It seems like those XXXX had an agenda from the start. XXXX and XXXX changed the main picture and attached an alphanumeric to it. This was done without my permission. 

Please look into this Chase. Thank you. 

It seems like the culprits are intentionally trying to get me to close the card so they can stealthy reopen it, stealthy roll over some funds into another account or put me in a position to where I don't have access to my card and have no access to money until a new card arrives. Individuals in our area have been stealing new cards that come in the mail and the passcodes that come separately. 

The XXXX is also not properly investigating the carriers responsible. 
XXXX XXXX is XXXX of the individuals allowing carrier misconduct. 
Customer Relations Coordinator XXXX
Product: Debt collection

Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. 
Please assess and investigate the accounts that
Product: Mortgage

After continuing a dialogue with NationsStar/Mr Cooper as well as opening several complaints, reading and receiving their response, I have received the attached statement from this mortgage company. According to this statement, we owe {$10000.00} which is not what has been reported to CFPB. The last correspondence explains we have made 3 completed trial payments and our payments, afterwards, are modified payments of {$1400.00}? Which is financially unacceptable. For several reasons, we were TOLD, how this modification would work in our favor because payments would be smaller than the trial payments. Secondly, this mortgage company totally ignored tax payments are under a deferral and were sent back to the mortgage company several times because of this. One of the homeowners is XXXX and receives XXXX income making it nearly impossible to meet the payment of greater than {$1000.00}. A representative over the phone called and said our financials are not factored in when a modification is being considered. Please tell us how is this possible? Also, doing this time, our city suffered a flooding disaster ( XXXX, 2017 ) and this representative called attempting to collect a payment from us! Finally, we should have been offered a much better modification due to the disaster in our area recently. This is the fourth complaint on the same issue with this company and while the POC continues to deny Nations Star did nothing wrong, please share with consumers, state and government housing authorities why Nation Star would choose to exclaim its representatives did nothing wrong. Is that even the point? Previous submission ( XXXX )
Product: Checking or savings account

XX/XX/year> XXXX first attempt to inquire information. Sent in circles XX/XX/year> XXXX second attempt to acquire why this ability is only extended to specific customers. Again ignored and sent around in circlesz XX/XX/year> XXXX third attempt to acquire information. Agent deliberately bounced around subject and would not answer question or provide any information. 

XX/XX/year> XXXX final attempt before submitting report. Still bounced dodged answering the question why do specific customers have the ability to turn off their cards and deny transactions, and select a box that says opt out of recurring transactions but you dont extend that ability to everyone? Was never given an answer for the question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of 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 have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Product: Payday loan, title loan, or personal loan

My wife XXXX XXXX called Tower Loan in XXXX, LA on XX/XX/22 to pay off my loan. We have the phone call recorded. She spoke with the lady who says she is the manager there XXXX. In the phone call you can hear XXXX tell XXXX the payoff amount of XXXX and that there will be a fee of XXXX. XXXX authorizes the payment and gives her the card information. XXXX says hang on there was a glitch on my computer and I dont know if the payment went through. XXXX got notification on her phone that it ran XXXX and told her about it. XXXX couldnt explain why that happened. XXXX asked her to correct that transaction and run it for the whole amount because we didnt want to pay the {$2.00} fee twice. XXXX told us that she could not do that and she didnt want to run the other part of the payment either because it would charge us. We called to do the payment over the phone for the payoff and paid the {$2.00} fee as a convenience to us. She said we could bring the rest of the payment in the office. XXXX called today XX/XX/22 to be sure payoff was still {$29.00} which is amount we should owe and they told us no that it was XXXX. We got XXXX back on the phone and she was telling us it was because the same as cash option had expired and we had gotten a late fee. We should not owe any of these fees because we called to pay it off on XX/XX/22 and due to XXXX 's mistake it was not paid in full. XXXX said she called and talked to her supervisor XXXX and she told her that they could get it down to {$39.00} but we are still responsible for the {$10.00} late fee. My wife is almost 6 months pregnant and the way they are talking to her is causing her severe anxiety and stress. This needs to be handled. I have heard many people complaining about this company but this is the first and the last time I will ever deal with them. XXXX told me if we didnt pay the XXXX that it will not be paid out and it will be reported to my credit. I need to know if I need to get an attorney involved or what because this is not my fault. XXXX made the mistake and they should not be allowed to treat people this way.
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
NWIDE RECVRY ( Original Creditor : XXXX XXXX XXXX ), balance is {$100.00}, and account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the XXXX has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American XXXX on The Rights of Indigenous Peoples!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters in XX/XX/XXXX-XX/XX/XXXXasking all credit bureaus to update my name and address and they have yet to do so.
Product: Credit card

I have been homeless since XX/XX/2016. I have not been able to make payments on these debts due to hardship. I had XXXX and therapy and eventually was not able to do my job and lost my job which caused me to loose my apartment and so forth. I want to be able to clear my debt but now I am currently in a no job and homeless situation. If I could get some feedback on how I can clear these past debts I would greatly appreciate any advice. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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 reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX Transunion & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Debt collection

Since XX/XX/year>, I have been receiving harassing telephone calls from a debt collection company operating under the name Shepherd Outsourcing. According to their website, they assist with " debt management plans, consolidation, settlement. '' The company appears to be headquarted in XXXX, SC. However, the telephone calls are coming through a third-party VOIP utilizing California area codes. A log of the telephone calls is attached. I have never conducted business with Shepherd Outsourcing and do not know how they obtained my personal information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file as I am a victim of a data breach. These accounts and inquiries were made without my authorization. I am asserting my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX