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

My account with EQUIFAX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be updated.

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. 


EQUIFAX XXXX 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 XXXX 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

The creditor admits to contacting me eight times even after opting out of communications. They have been sending letters more than once. They spoke of a contract that was not provided from original creditor showing my signature. I did not acknowledge any ownership of such account or any knowledge.The FDCPA at 15 U.S.C. 1692d prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 U.S.C. My information was also breached in XXXX by XXXX. My personal information was leaked to the dark web including my social security number several times. I have disputed several times with original creditor. The address listed is also not the address I resided at the time. The data breach and opening of the account match with year of opening of account. I have provided proof below.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center 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  Subject : Dispute of Account # [ XXXX ] To Whom It May Concern, I am writitng to forrmally dispute the accuracy of the information reported on my credit report by TransUnion, XXXX, XXXX, and XXXX XXXX regarding Account # [ XXXX ]. 

I have no knowledge of this account and believe it to be inaccurately reported on my credit report. As such, I am formally requesting an investigation into this matter and the removal of this account from my consumer reports.

Under the Fair Credit Reporting Act ( FCRA ), furnishing inaccurate information about a consumer is a violation. Additionally, violations of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) further support my claim that this account is in violation of my rights and tarnishing my creditworthiness. 

I request that the account # [ XXXX ] be thoroughly investigated, and if found to be inaccurately reported or in violation of any laws or regulations, be promptly removed from my consumer reports.

Please conduct a comprehensive investigation into this matter and provide me with a written response detailing the actions taken to rectify the inaccuracies.

I expect prompt action in resolving this matter and appreciate your attention to this dispute.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of XXXX of XXXX Requests were ignored by the company since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that XXXX Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXL XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I placed a dispute with the company Comenity - XXXX XXXX due an account activity mail I received of a credit that someone fraudulently opened in this institution using my personal information, they made purchases for XXXX USD onXX/XX/XXXXbut I didn't received any letter before of that. I sent this company a dispute onXX/XX/XXXX, and they responded on XX/XX/XXXX denying my dispute. I need this company to cancel all the debt and close the account linked to my personal information that was opened doing a fraud using my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

This company was attempt to collect said I opened an account with Wells Fargo checking and they sent numerous mail pieces in the mail to attempt and the account was turned over to them! Said I owed over XXXX to Wells Fargo! This company has my address my full name my full social security everything! I have never had a Wells Fargo checking account and told them I didnt and they said have fun in court and hung up on me
Product: Debt or credit management

Bank of America has not tried too prevent foreclosure measures on our account. My husband was diagnosed with XXXX XXXX. My husband will have to recover. We keep asking for an option to keep our home. Forbearance or payment plan! We were told no without consideration of that option. Discrimination due to my husband XXXX XXXX. 
Payment plan was offered and then when we asked to make a down payment we were told no. 
Still do not know what happened.
Product: Mortgage

On XXXX XXXX my husband got a call from Ditech Mortgage that our payment was 111 days past due and we are in danger of foreclosure. I called to ask them what are they talking about and 3 days later after spending numerous hours talking to different very rude people it was explained to me that in XXXX of XXXX a check for {$2400.00} was credited to my mortgage. Ditech entered this amount twice. They had an audit in XXXX saw the error and their way of correcting it was to take my XXXX payment. I also was so far ahead on my payments that my XXXX statement said my next payment date is XXXX XXXX so the money they had to cover XXXX and XXXX they took that money as well. When this was explained to me I told her there is no way this could be legal because those were my house payments and now youre threatening foreclosure. She said they are willing to make my payments for the next year {$760.00} instead of the {$620.00} we are supposed to pay. It was their mistake and they fix it by putting a horrible hit on my credit score and a finically burden on me. Is this legal? Can they just get away with business practices like this?
Product: Mortgage

A HELOC opened in XXXX it was charged off in XXXX. 

Over a decade later, XXXX XXXX XXXX XXXX XXXX/NewRez/Shellpoint and its predecessor XXXX XXXX XXXX  XXXX unlawfully inflated mortgage balances, failed to provide legally required monthly mortgage statements, and wrongfully pursued collection and foreclosure efforts. 

These companies have violated the Federal Trade Commissions Truth in Lending Act by not providing periodic or monthly statements. 

Furthermore, this debt was a HELOC. 

Because a HELOC does not establish a fixed debt obligation at loan origination, HELOCs are not negotiable instruments. 

Unlike negotiable notes, non-negotiable promissory notes, such as HELOCS, are not self-authenticating. This party has no grounds to foreclose on a non-negotiable promissory note that is non self-authenticating.
Product: Student loan

I have not been able to re-pay a student loan that I took out for my son, with the school that he attended. I spoke to representatives of the agencythat represents the school, XXXX XXXX XXXX XXXX, filled out all of their forms and sent them a request for a hearing. The hearing was denied and even though I said that I would accept arrangements to re-pay the loan on terms that THEY offered, they have only responded to me with another round of threats to garnish any income and the same forms that i previously filled out and sent to them ( that they acknowledged in declining to allow me a hearing ).
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Product: Money transfer, virtual currency, or money service

I've tried reporting this issue to US Bank 's Fraud Liaison Department but no one would forward my call to a higher authority - I've even reported this to the CFPB & have had e-mails bounce back from the US Banks 's support e-mail address. I need a supervisor to contact me regarding reporting fraudulent activity internally at US Bank ( recipient bank, XXXX XXXX XXXX account holder ) as soon as possible. I am a customer of XXXX XXXX  with fraudulent activity to report to US Bank which is shown below yet US Bank is not taking this information seriously to report to their executives. 

I've reported this money wiring/job scam to the local authorities ( XXXX Police Department ), FTC, FBI ( IC3 ), XXXX Police, XXXX XXXX XXXX Police, XXXX XXXX, XXXX, as well as attempting to contact US Bank to have this issue reported internally but no one would take down my information or have my calls transferred to speak to higher personnel at US Bank at all ; I've also tried contacting the Fraud Liaison Department as well at XXXX. Below is a fraudulent account holder at US Bank that has scammed me out of {$2600.00} in which my bank has tried to issue a SWIFT recall to US Bank - no refund has been issued. Fraudulent US Bank account holder, XXXX XXXX XXXX, is posing to work for XXXX XXXX to issue out a Traveler 's Insurance Policy to the XXXX under XXXX XXXX XXXX XXXX XXXX, along with a MrXXXX XXXX XXXX at XXXX. Please see below. 

XXXX Attachments Wed, XX/XX/2020, XXXX XXXX  to me Attention, Based on the urgency of your Application and to serve our customers betters and avoid delays in providing fast track services to our customers, we have mandated you to make Payment via our Agents in region USA so Certificate can be issued on confirmation of payment within 24hrs from Date of payment Premium for Plan B is XXXX XXXX pounds sterling equivalent exchange rate of {$2600.00} USA Dollars. Kindly note Payment for any Premium Plan must be paid in full to enable swift issuance of Certificate Contact your Financial Banking Institution in your region USA and notify your Bank to make Bank Transfer Payment payable to our Agent in region USA via Account Details Below : Account Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Bank Name : US BANK Bank Address : XXXX XXXX  XXXX XXXX OREGON XXXX USA Beneficiary Address : XXXX XXXX XXXX XXXX XXXX OREGON XXXX USA Kindly send us the transfer payment receipt once funds have been deposited to enable us issue your certificate swiftly Yours truly, Mrs XXXX XXXX, Account Manager XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX 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 reporting or other personal consumer reports

I have sent complaints to the company directly as well as to all 3 credit reporting agencies. This false incorrect information continues to be reported on my credit reports XXXX, Experian, and XXXX. These accounts do not belong to me but yet they continue to report these accounts XXXX account # XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company contacted me called the XXXX XXXX XXXX on XX/XX/2022. They said they were working with the government and that I could be eligible for their plan. I signed numerous of documents and one of the documents included the power of attorney document and monthly payments of {$190.00} from XX/XX/2022 to XX/XX/2022 which is a total of {$970.00}. They also stated that after those payments are done, Ill have to pay 5 $ for the next 240 months then when that is done, theyll take away {$26000.00} from my loans. I didnt give them my FSA ID but they somehow got into my FAFSA and gave me a new password. I started realizing this may be a scam the day after which is now when I started doing my research and wasnt seeing any information of this company.
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 XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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 XXXX 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: Debt collection

XXXX continuously contacted me for years to collect on a debt then sold it after charging it off to NCB Management and give them my emails which has never been an authorised form of communication with anyone to share but myself. That company proceed without any confirmation from myself or even contacting to create an account on my behalf without my permission. Sadly, I no longer have access to my previous phone where both of these companies were continually harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed dispute letters to XXXX, equifax, and XXXX on XX/XX/21. It is now XX/XX/21 and I have yet to receive one response back. Per FCRA law, if the investigation takes over 30 days the credit bureaus are supposed to remove the disputed information. I am requesting that you enforce the 30 day rule and have XXXX, equifax, and XXXX  remove the accounts I disputed on XX/XX/21.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 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. 


XXXX 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: Vehicle loan or lease

On XXXX I was told that I was approved for a loan with a XXXX dollar amount loan. Supplied my statements and then was told my income was only XXXX a month in one month and XXXX in another month, and XXXX  in another month. They denied me a loan because they used the lowest month of income and said it must be at least the lowest amount of the three months and it was not enough to get a loan. Advised I did not agree with this and told then it was discriminatory lending against small business owners and independent contractors since I use more than one account for my income. They were not willing to accept the income from all three of my accounts and they denied me a loan. I think this is unfair credit practices and I advised them I was going to file a complaint. The company is Captial One Bank auto navigator.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.