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

After reviewing my credit report, I discovered accounts that I did not recognize or apply for.

Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered some accounts on my credit report that did not be long to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and found out that the disputed accounts were still there, These accounts are as follow : 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 ), and XXXX XXXX XXXX ( XXXX XXXX ) these accounts are not mine and they are reporting on my Experian and XXXX credit report, I am now reaching out the CFPB, because I am just tired of this Bureau, I need these accounts off of my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Oh, please verify by providing color copy of my ID wet signature of original contract or immediately update to paid never missed a payment. 

XXXX XXXX, Experian, and XXXX have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays reported to the Credit Reporting Agencies that my father was deceased ( he's alive ). 

As a result, my father ( whom I have a power of attorney for ) had another credit card close his account causing direct consumer harm. 

Barclays has received no information indicating my father passed away, and has directly violated FCRA and UDAAP. 

I have called Barclays, and each time their office seems to have limited understanding/knowledge, and has not been able to provide any information. I have been transferred to a voice message. Each phone call is spent confirming PII for customer verification, blind transfers where I am forced to repeat all of the same information. 

Barclays requested speaking with my father, and I advised them I am handling his business. Barclays further insisted on speaking with my father, and I advised the point of a POA is so I can handle his business for him. I resent the POA to Barclays twice.

When I called XX/XX/XXXX, I was transferred to Barclays outsourced ( XXXX office ). I advised them that my father is not dead and asked what is being reported to the CRA 's. 

I was advised they would investigate and determine in 7-10 days. I asked how I would be advised of the resolution, and I was told I could call back. 

Additionally, I advised that a payment was sent in XX/XX/XXXX or XX/XX/XXXX and advised that I have not received any further bills. I asked how I could be provided, and no indication that I should anticipate receiving anything.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed lawsuits against Transunion in the past, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing hardship to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer.
Product: Debt collection

I have an item that is on my credit report that is effecting the integrity of my score and credit worthiness. The item information can be found below : I am not aware of this item or where it came from as this is a debt that I do not own. 

ONEMAIN XXXX XXXX XXXXXXXX XXXX, IN XXXX Balance : {$2900.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number XXXX XXXX which is enclosed with this correspondence.
Product: Mortgage

We are trying to pay our monthly mortgage payment with extra principal amount in two payment each but Mr. Cooper our mortgage company is not applying our payments correctly. On these dates XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX we paid our monthly payment but it wasn't applied until the XXXX of the month. They are holding our payments in an unapplied funds account until the XXXX of the month. We have spoken with them many times but they refuses to apply our funds properly because they are trying to prevent us from payoff our loan before the time. We don't have a penalty in our contract on pay off our loan before the maturity of the loan. We want Mr. Cooper to applies all our payments and to stop calling us between the XXXX of each month and the XXXX before our mortgage is late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ( XXXX ) ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing during this pandemic? Taking more than 60-90 days - i was not late. Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late on the days shown. Something is weird going on my account. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

Business Checking Account BMO Business Checking Business Name : XXXX XXXX XXXX XXXX XXXX Nature of Complaint : Account Closure Handling, Customer Service I have attached my full complaint herewith. 

Thank you
Product: Credit reporting or other personal consumer reports

I have asked TransUnion and Equifax to remove these accounts and inquiries that they keep reporting, i have shown them that none of these accounts are mine, and have sent them everything needed to prove that these accounts and inquiries are not mine. 

accounts such as : XXXX XXXX XXXX OPENED XX/XX/year>, BALANCE {$730.00} XXXX XXXX XXXX XXXX XX/XX/year>, BALANCE {$480.00} XXXX- XXXX XXXX, XXXX, BALANCE {$7100.00} AND INQUIRIES SUCH AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EVERYTHING I STATED ABOVE IS ILLEGAL PURSUANT TO : 15 USC 1692 15 USC 1601 15 USC 1681 B 15 USC 1681 C-2 AND 15 USC 1602 ( P )
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove unauthorized, possibly fraud hard inquiry, XXXX via XXXX. I did NOT authorize this inquiry. I have filed a FTC complaint, provided affidavit and CFPB Complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is already been paid on full I ask them to deleted they refuse same as XXXXXXXX XXXX XXXX XXXX XXXXXXXX, affirm, XXXX, XXXX  possible
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Incorrect Information Mixed Accounts Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute certain accounts that have been erroneously reported on my credit report. After reviewing my credit profile, it has come to my attention that some of the accounts listed do not belong to me and appear to be the result of mixed information with another individuals credit file. These incorrect accounts are negatively impacting my credit profile and causing significant issues with my current lenders.

Below are the details of the accounts that appear to be mixed up : XXXX. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. 
XXXX. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. 
XXXX. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. 
XXXX. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else.

I respectfully request that you investigate this matter and correct my credit file by removing these incorrect accounts. Please confirm that this dispute will be addressed and that the necessary steps will be taken to ensure my credit report reflects only accurate and relevant information. I would appreciate a prompt resolution, as this issue is currently affecting my ability to maintain positive relationships with my lenders.

Please find attached a copy of my credit report highlighting the disputed accounts. If you require any additional information or documentation from me to facilitate your investigation, kindly let me know.

Thank you for your attention to this matter. I look forward to your prompt response and the necessary updates to my credit report.

Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

From XXXX I have mortgages loans with Bank Of America. My original problem was an Auto Draft account used only for the mortgages payments. Seeing misapplied payments and wasting hours on the phone I decided in keeping it simple. So I closed the auto draft accounts and paid each mortgage in person by cashiers check only. Bank American would then apply payments to the closed auto draft accounts paying fees and such which they had already corrected but still shows back up. It took me XXXX times to force close those auto draft accounts. XXXX a manager with XXXX XXXX had directed me to make payments only by cashier checks payments in person for record which I did. All cashier checks are from XXXX XXXX. Then Bank America said I was missing several months of payments. As of XX/XX/XXXX XXXX personally helped by calling Bank Americas talking to several managers to resolve this. We would get a manager that would ask for several months copies of cashier checks starting in XX/XX/XXXX so we fax them copies.. She would always ask for a direct contact number which they said they did not have one and call customer services. XXXX also asked for a conformation letter for problem resolve which they would never send. A few weeks later the problem would started again with a different manager and same ending story nothing solved. Now all XXXX properties are all in a foreclosure. XXXX reviewed the statement they sent out which shows that I did not miss a payment and that Bank America had misapplied payments. Bank America now shows that my XXXX accounts are from {$1300.00} TO {$2000.00} behind and when asked which months they need a copies of the cashier checks to resolve this matter never gets resolved and is always a run around. Several times I personally went into a branch to resolve this and they told me I need to call customer service. Now working with a XXXX XXXX in the debt collector department goes on week after week. I also called her manager XXXX XXXX for three weeks now and he will not return my call
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

When to the bank to withdraw money but only XXXX cents wasn't in my account I call immediately to dispute three unauthorized transactions where on my card on two on XX/XX/23 for XXXX $ and XXXX $ and another one on XX/XX/23 for XXXX $ after the call i got message 21 days later saying that there was not enough evidence to prove my case so I sent a police report and thru email because no one is available on phone which is shady also ask what other evidence can I provide to prove my case got the same generic email I'm convinced this company is a scam comdata fintwist this is hard for me because a total of XXXX $ dollars was taken of my card and the company who job it is to protect it wont help get it back even though I the under 21 day which states im am covered by there zero protection policy this is not right please help
Product: Checking or savings account

I am writing to express my dissatisfaction with the recent experience I had with Capital One Bank concerning the advertised bonus for opening a savings account. 

As per the promotion, I fulfilled all the requirements by depositing {$100000.00} into a Capital One savings account and maintaining it for at least XXXX months. However, instead of receiving the advertised {$1500.00} bonus, I only received {$750.00}. 

Upon reaching out to customer service to inquire about the discrepancy, I was informed that only qualified money from external banks qualifies for the bonus, and transfers from a Capital One checking account are not considered as " new money. '' While I understand the bank 's policy, I transferred the funds into my Capital One checking account from an external bank before transferring them into the savings account simply for ease of transaction. In my understanding, the checking account served as a transfer station, and the funds originated from an external source, thus qualifying as " new money. '' I am puzzled by the definition of " new money '' used by Capital One and feel that my actions met the criteria outlined in the promotion. Despite explaining my perspective, I was informed that no exception would be made. 

I am reaching out to request a thorough review of this matter and reconsideration of the bonus eligibility criteria. 

Thank you for your attention to this matter. I look forward to your help and a resolution to this issue.
Product: Mortgage

Subject : Complaint Regarding Credit Protection and Payment Mismanagement To Whom It May Concern, I am writing to formally lodge a complaint regarding my experience with XXXX  XXXX  and the subsequent transfer to PHH Mortgage during my ongoing loss mitigation process. 

For over a year, I have been engaged in a loss mitigation process with XXXX XXXX. As part of this process, I was instructed to make a mortgage payment of {$1500.00} for XX/XX/year>. Despite being advised to proceed with this payment, I later discovered that my loan was transferred to PHH Mortgage after the payment was processed. 

Upon reviewing my statement, I noticed that the payment was not applied to my mortgage account. I initially assumed that the payment was being held until the loss mitigation process was resolved. However, it has come to my attention that this payment has not reflected in my overall mortgage balance. 

I was approved for a partial payment option with an agreed mortgage amount of {$1400.00}. However, to my dismay, PHH Mortgage is now requesting a payment of {$1500.00}, less than a month after this agreement was established. This sudden increase in the payment amount is both confusing and concerning. 

I have contacted PHH Mortgage multiple times seeking clarification on the status of my payment and why it was accepted while I was still in the loss mitigation process. Unfortunately, I have yet to receive a satisfactory explanation regarding the whereabouts of my payment. 

Despite my repeated requests for information via phone, email, and mail, there has been no response from PHH Mortgage. This lack of communication and transparency is deeply concerning and has left me feeling frustrated and uncertain about my mortgage situation. 

I kindly request immediate attention to this matter and a thorough explanation of where my payment has gone, the rationale behind accepting it during the loss mitigation process, and the reason for the sudden increase in my payment amount. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX Acct # XXXX