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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA 3 credit bureaus are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

Re : Navient Account XXXX Dates : XXXX XXXX, XXXX XXXX, XXXX XXXX Dear Sir/a'am : Last year, I submitted a certified letter to XXXX, XXXX and XXXX to notify them of gross inaccuracies on my credit report. I filed a dispute against Navient because Navient reported 60, 90, and 120 day late payments in XXXX, when the payment was not as late. For example, the payment was received in XX/XX/XXXX, but the following month ( 30 days later ) they said my payment was 60 days late. This is erroneous and mathmatically incorrect. The investigation was speedy, instead of thorough. I also filed additional disputed online for the same issue, due to failure to be resolved. Unfortunately, I never received a copy of my results of the investigations on how they came to the conclusion to keep errors on my credit report. Their errors have impacted my ability to purchase a home for my family. Please, help!!!!! I have attached the file for your review. Please review carefully to see the error. Thank you
Product: Credit reporting or other personal consumer reports

I asked each credit bureau for proof that the United States Court or I requested them to report a bankruptcy on my credit report. They never provided proof. I asked the court did they report bankruptcies on consumer 's credit. They said they do NOT ever request bankruptcies to be reported to the credit bureaus.

The credit bureaus violated FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit report file. The Federal Credit Reporting Act Section 609 ( a ) ( 1 ) ( a ) states they are required by federal law to verify through physical verification of the original signed consumer contract and or / judgement ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Credit card or prepaid card

In XXXX of XXXX, I reviewed my Visa statement from UPGRADE, INC. and found several fraudulent charges made to my account ending in XXXX. These charges were listed as being placed by " XXXX XXXX, XXXX XXXX XXXX '', a company I have never heard of nor done business with in my lifetime. 

I immediately contacted UPGRADE, INC., the card company, and explained the situation. The charges were {$25.00}, {$25.00}, {$25.00}, {$25.00}, {$25.00}, and {$9.00}. All charges were listed as taking place on XX/XX/XXXX totaling {$130.00}. Approximately 5 weeks after filing the dispute, I received notice that the investigation was complete and that I would be credited all monies to my account. UPGRADE credited my account {$100.00}. At some point, they also credited {$15.00}, however, this left a balance of {$15.00} on my account. 

I am currently receiving a bill for {$15.00} which I've been disputing now for months. I have made several calls concerning this issue. On my last call, I spoke to a customer service representative named XXXX at XXXXXXXX XXXX on XX/XX/XXXX. I spent XXXX minutes and XXXX seconds with her on the phone, where XXXX minutes of it was spent holding while we waited for someone in the disputes department to answer. We finally hung up with the promise that she would call me back as soon as she got word from the disputes team. She called back at XXXX XXXX and basically told me to take care of the matter in some other fashion because they were not interested in taking care of the issue, even after I mentioned contacting CFPB to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Auto Financing Companies ) Inquiry date : XX/XX/2019 - This inquiry does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates XXXX, XXXX, XXXX and XXXX I submitted disputes to Experian and XXXX XXXX credit reporting agencies informing them of their violations of 15 U.S. Code 1681. FCRA 623 ( a ) ( 5 ) and FCRA 609 ( a ) ( 1 ) ( a ), ensures that correct methods are used to investigate, correct and report the correct information from its original source. On the XXXX of XX/XX/2020 Experian and XXXX XXXX credit reporting agencies voluntarily committed to violating both U.S. codes and verbally insured me that they would not comply after I informed them that the agency ( XXXX ) of their choice to verify consumers correct information have complied with the same explained information and sent Experian and XXXX XXXX the documented proof, they still vow to violate both U.S. codes protecting consumers Privacy and said accuracy of their reported credit history. 
These actions of Experian and XXXX XXXX cause serious derogatory discrimination, harsh negative results and serious collateral damage to a consumers life preventing them from purchasing a home, obtaining dependable transportation and even obtaining a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion and told them that we 're fraud charges on my account I did not fill out for credit cards or auto loans they would n't delete them ask to speak to a supervisor they hung up in my face.
Product: Mortgage

Loan was with XXXX XXXX. I utilized CARES act to temporarily halt my mortgage payments. 
I began repaying in XXXX of XXXX. The loan modification process kept being dragged and I was getting excuses, so I filed a complaint. As soon as they received the complaint, they approved a loan mod at XXXX percent and then sold my loan to PHH before I could even sign the paperwork.

I contacted PHH in XX/XX/XXXX to start making payments in compliance with the terms of the loan modification. They didn't even have an account number to give me, and I had to got o a supervisor to make payment with them. Since the very first contact they tell me every time that I am one week away from my documents being complete.

They sent me a loan modification in XXXX that had raised my interest rate to 4.15 percent. I immediately contacted them and told them that they had to comply with the interest rate offerred to me via XXXX XXXX. They said that they would have the loan mod updated and sent to me XX/XX/XXXX. I contacted them today and they have given me the standard line that give them a week to have the loan updated. Meanwhile, I am getting emails from them stating I haven't made my payments ( all three loan trial payments were made. Two in XXXX and one XXXX. They also emailed me what they said is the updated loan modification. But now are saying its still being reviewed. I have a payment due in XXXX and do not know what my payment is because they haven't completed the documents or are sending me false/fraudulant documents. 
I can scan and send all emails and mortgage docs you need upon asking.
Product: Mortgage

I am not a customer of Patriot Home Mortgage, I received an advertising mortgage offer from Patriot Home Mortgage posing as my actual mortgage lender who issued my loan. 

I received an advertisement posing as my mortgage lender ( I currently have a VA mortgage on my house ) on XX/XX/2021. The view window of the letter piggybacks on the title of the lender of my closing so that I think the letter is an official communication from my lender. The advertisement came from Patriot Home Mortgage NMLS ID # XXXX. The concern I have that I wanted to bring to the attention of the CFPB was the misleading reference to a " Fixed Rate '' that doesn't follow my understanding of the CFPB rules for advertising that I have included references for. 

The advertisement presents a " New 30-Year Fixed Rate '' of 1.75 % /2.433 % * APR. 

Not until the fine print at the bottom of the page does the ad detail in very small print that the " fixed '' rate is in fact an ARM, it does not indicate that the rate is subject to future increases, but mainly the advertisement does not follow CFPB regulations that I've copied in the below link and pasted the subsection below relating to points A and B. The footnotes do detail that the rate is fixed for 3 years. I am a veteran and I work in finance and I found this to be predatory and/or deceptive. 

I have attached a screenshot of the picture of the letter blocking out my identifiable information, if more information is needed I can be contacted. 

Referenced material : https : XXXX # XXXX ( 1 ) Misleading advertising of fixed rates and payments. Using the word fixed to refer to rates, payments, or the credit transaction in an advertisement for variable-rate transactions or other transactions where the payment will increase, unless : ( i ) In the case of an advertisement solely for one or more variable-rate transactions, ( A ) The phrase Adjustable-Rate Mortgage, Variable-Rate Mortgage, or ARM appears in the advertisement before the first use of the word fixed and is at least as conspicuous as any use of the word fixed in the advertisement ; and ( B ) Each use of the word fixed to refer to a rate or payment is accompanied by an equally prominent and closely proximate statement of the time period for which the rate or payment is fixed, and the fact that the rate may vary or the payment may increase after that period ;
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX XXXX XXXX XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXXXX/XX/XXXX
Product: Debt collection

I reported this to the XXXX P.D department as fraud.I noticed a account was put in my name from XXXX that was mine. I never had a phone account with them.I have been staying in Louisiana for XXXX years and this account was fraudulent opened in XX/XX/year>.
Product: Mortgage

This will now be my 2nd complaint, as I had sent a complaint on XX/XX/22 and was then given a date when funds would be applied to my account. I have called mortgage company again on XX/XX/22 with no explanation on when the funds would be applied and was told at that time that a late fee would not be applied as it was noted on my account HAF payment was pending and they have my award letter that was emailed to them by me. Last month payment in the amount of XXXX was applied on XX/XX/22. This month nothing has been posted as of yet and a late fee was applied on XX/XX/22. HAF says check was mailed out and Im waiting on XXXX to post. Payment was also mailed out to my electric company and that was posted on XX/XX/22 with no issue. Not sure why no one can tell me when this will be applied. I am very concerned at this point because it seems I will have to file a complaint every month for payment to be applied timely to my account.
Product: Credit reporting or other personal consumer reports

XXXX was given a instrument to discharge the debt to the irs and willfully violated my consumer rights according to : House Joint Resolution 192 - to suspend the gold standard and to abrogate the gold clause.

18usc8 Obligation or other security of the United States defined - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks. 
31 U.S. Code 5118 - Gold clauses and consent to sue- ( a ) In this section ( 1 ) gold clause means a provision in or related to an obligation alleging to give the obligee a right to require payment in ( A ) gold ; ( B ) a particular United States coin or currency ; or ( C ) United States money measured in gold or a particular United States coin or currency. 
( 2 ) public debt obligation means a domestic obligation issued or guaranteed by the United States Government to repay money or interest.

ucc 3-311 ACCORD AND SATISFACTION BY USE OF INSTRUMENT - ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim Ucc 3-603 TENDER OF PAYMENT ( copy of rejection letter provided ) - ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 
XXXX is entitled to enforce the instrument i sent them and willfully reject to do it which pursuant to ucc 3-603 makes this account of my credit report unaccurate. 

I got a letter through this case number with a pdf attached to the case. 
CFPB XXXX XXXX. : XXXX XXXX Account XXXX. : XXXX in XX/XX/2023 through pdf provided stating " XXXX XXXX XXXX XXXX does not accept promissory notes or a Form 1099A as payment and will only accept valid legal monetary instruments in the form of United States currency for payments or payoffs. '' This accepting that they got the legal instrument to discharge debt but willfully denied and pursuant to ucc 3-603 there is discharge.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Product: Credit reporting or other personal consumer reports

Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Net Credit regarding a loan that I took out under extremely unfavorable terms. I believe the practices employed by this lender are predatory and have left me in a financially precarious situation. 

Loan Details : - Lender : Net Credit - Loan Amount : {$5000.00} - Interest Rate : 140 % - Date of Loan : XX/XX/21 I have diligently made payments on this loan, but the exorbitant interest rate has resulted in me paying more than triple the original loan amount in interest alone. Regrettably, I am no longer able to sustain these payments due to unforeseen financial challenges. 

When I approached Net Credit seeking assistance or alternative repayment options, I was met with an unhelpful response. No viable solutions or options were presented, exacerbating my financial distress. 

I am seeking your assistance in investigating the predatory lending practices of Net Credit and request the following : XXXX. A thorough review of the loan agreement and terms to assess the legality and fairness of the lending practices. 

XXXX. Removal of all negative remarks associated with this loan from my credit report, as I believe these were incurred under exploitative lending conditions. 

I understand the importance of personal financial responsibility, but I am seeking your intervention due to what I perceive as an unjust and predatory lending situation. I appreciate your attention to this matter and your commitment to consumer protection.
Product: Payday loan, title loan, or personal loan

XXXX & Wellsfargo. WEllsfargo worked with other shareholders of my company to keep me off a PPP loan now I can't even apply for one on my own for my own personal companies. I also can not apply in compliance with Reg B
Product: Mortgage

Our town taxes are escrowed and for the first payment of this year it has not been paid! We just received a letter from the town with accumulating fees because it has not been paid! It is usually paid the end of XXXX and now we are coming up on XXXX taxes and the one from XXXX has not even been paid! This is not the first time we have had problems with the awful company!
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the XXXX latest CFPB complaints ( of 5 plus years ). XXXX XXXX XXXX XXXX. automatically labels complaints as duplicate. And yet NOBODY has yet to send the permissible permission used to access my credit report in XX/XX/XXXX by Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And yet nobody has even given an explanation of why they feel like they dont have to comply with the CFPB request and complaint. 

CFPB Complaint # XXXX 5 years of requests and XXXX XXXX XXXX XXXX XXXX XXXX XXXX just labeled the latest CFPB complaint # XXXX as duplicate. They have never supplied the permissible permission to have accessed my credit report in XX/XX/XXXX as I have requested for more than 5 years. Experian has just played the paper game for 5 years by saying they are investigating by sending complaint to XXXX. This is shameful and surely these can not be American Companies. 
CFPB Complaint # XXXX Attached is XX/XX/XXXX letter from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  sending items they claim I requested. I requested the permissible permission used to access my credit report in XX/XX/XXXX not the documents they keep sending. I require this document to prove the loan was fraud. When I say fraud, XXXX requires more of my personal information to do a fraud investigation when they didn't even have the right to have any information on me in the first place. My request is simple, send me copy of the permissible permission used to access my credit report in XX/XX/XXXX to allow me to prove the loan was fraudulent.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal statement and complaint regarding the reporting of multiple, inaccurate late payments on my VERVE credit card account issued by Continental Credit Services. Despite maintaining compliance with all payment obligations on this account, I have found that Continental Credit Services has been reporting late payments erroneously.

I want to emphasize the illegal nature of this reporting as per the following federal statutes and regulations : 1. **15 U.S.C. 1681 ( 2Xi ) ** : This provision mandates that all consumer reporting agencies, furnishers of credit information, and relevant entities ensure that all reported credit information is accurate. False reporting of late payments violates this federal mandate.

2. **15 U.S.C. 1666 ( b ) ** : This law clearly states that creditors are obligated to correct billing errors upon notification, which includes any disputes related to incorrect charges, erroneous reporting, or any other billing inaccuracies. My requests for correction have gone ignored by Continental Credit Services, reflecting a complete disregard for this statute.

3. **12 C.F.R. 1026.13 ( Billing Error Resolution ) ** : This regulation obligates creditors to investigate, promptly resolve, and rectify any billing disputes reported by a consumer. I have made multiple attempts to resolve this issue directly with VERVE, XXXX, XXXX, and XXXX to no avail, indicating systemic non-compliance with federal billing error resolution requirements. 


These erroneous late payments have significantly impacted my credit report, despite my proactive steps to rectify this matter. After attempting resolution directly with VERVE via email to their back office per their instructions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX disputing the inaccuracies also with XXXX, XXXX, and XXXX, I have yet to see any correction to my credit file. I made on time payments all of the months they are reporting late. XXXX and XX/XX/XXXX XX/XX/XXXX I sent Payment in the form of a bill of exchange via registered mail they claimed that they did not receive it for 2 months despite my provided tracking number. They then admitted that they did receive them but would not honor that method of payment. So XXXX and XXXX payments were made on time with standard checks which were accepted and applied which reflects on the statement I received however they are still reporting that they did not receive payment for XXXX and XXXX as well. 


I expect immediate action to address this issue, as well as the removal of all incorrect late payment records from my account. This complaint is submitted with the full expectation that CFPB will conduct a rigorous investigation to enforce compliance with the relevant statutes and to ensure that Continental Credit Services rectifies its ongoing unlawful reporting practices.

Thank you for your immediate attention to this urgent matter.