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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 reported 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never XXXX the periodic statement along with the disclosures from section XXXX ( 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 or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I, Consumer XXXX d/b/a XXXX XXXX XXXX XXXX, entered into a consumer credit transaction with American Express in which multiple federally protected consumer rights were violated. On XX/XX/2021, American Express received documents on my behalf via USPS. One of the documents included a debt validation letter. At the end of this letter, I respectfully demanded that payments made on my behalf to this disputed " alleged debt '' be refunded by check payable to XXXX XXXX XXXX. These demands were made pursuant to 15 USC 1692h which states : If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. To date this has not been done. 

In addition on XX/XX/2021, American Express violated my consumer rights by threatening to take legal action if this alleged debt became past due by placing with a legal collections agency. I understand that this violates 15 USC 1692e ( 5 ) which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 

On XX/XX/2021, a representative from American Express expressed to me that they are handling my account in accordance to ALL applicable laws and regulations. This bold statement informs me that they are knowingly and willfully violating my federally protected consumer rights.
Product: Debt collection

XXXX same as XXXX XXXX XXXX fraud documentation robo signing reied on by co conspirator, indecome globalserices, XXXX, BWW XXXX Collector forecloure mill .for deception and faulty evidence.debts that often could not be verified or may not be owed. Debt collectors BWW and conspirators named XXXX, BWW, XXXX, BANK XXXX use the court system for purposes of intimidation ( ASSIGNMENT FRAUD, FRAUD AND MULTIPLE VERSION COPY OF NOTES, FRAUD allonge, create mortgage notes using modern technology, fraud lost note affidavits none these document were ever certify as true and original copy by a practicing attorney in the foreclosure mill even with almost XXXX foreclosure mill attorney attached to this case. 
XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX knew these documents were fraud but continue o file even fraud note manufactured using the miracle modem technology, undated allonge signed by XXXX XXXX, of XXXX XXXX, and XXXX XXXX fraud stamp that on the note even ( several years she may longer work with residential funding, XXXX, home comming, that no longer cease to exist ), Introducing faulty or unsubstantiated evidence, Intimidating consumers with deceptive court filings THEY used sworn statements OF fraud affidavit, declarations of debts, assignments fraud prepared by XXXX prepared and robo signed from contract robo signer that claimed to be officers of multiple banking institutions attesting to details about consumer debts to support its lawsuits with no personal knowledge of defunct entities.when challenged their defense are baseless without merits.see similar actions of foreclosure XXXX law XXXX Firm Reaches Settlement with CFPB over Debt Collection Lawsuit XXXX XXXX, 2015 Under a settlement with the CFPB, the Georgia-based debt collection law firm will pay a {$3.00} XXXX fine and nsure the existence of a variety of non-monetary compliance policies and procedures. 
On XXXX XXXX, 2015, Judge XXXX XXXX denied the XXXX Firm 's Motion to Dismiss in the case Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 ). In doing so, the district court concluded that the practice-of-law exclusion does not bar the CFPB 's CFPA claims. IN A SIMILAR CASE the CFPB has ordered XXXX of the XXXX law firm 's clients, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, to overhaul their debt collection practices and to refund millions to harmed consumers. The Bureau will continue working to ensure all players in the collections market treat consumers fairly.
Product: Prepaid card

Hello didnt want to do this but I had this XXXX $ Vanilla master gift card purchased for me on XXXX and tried to submit an order but it was cancelled and I never received the refund a couple days past thinking I would get a refund nothing so I contacted this company and they just made it so couldnt use the card until the dispute is resolved. It has now been about 3 months have yet to receive an update anything. I can provide the case number the card number anything
Product: Mortgage

XX/XX/XXXX XXXX  XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX Bank of NY, Mellon XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

This letter addresses the deceit and re-modification denial by XXXX   XXXX XXXX, XXXX. 

We filed a complaint with Consumer Financial Protection Bureau on XX/XX/XXXX against XXXX  XXXX XXXX, XXXX. 
XXXX  XXXX XXXX reached out on XX/XX/XXXX and a request for a re-modification of our HELOC was requested. 
All requested paper was submitted in a timely manner. 
Received a call from XXXX  XXXX XXXX on XX/XX/XXXX informing us that our re-modification was denied. 
We requested an appeal and was denied, the reason being the Investor would not approve the re-modification. 
We were informed the Bank of NY ; Mellon was the investor. 
We tried contacting Bank of NY, Mellon on XX/XX/XXXX at three different numbers, a recording informed us to send regarding our issue ( we were unable to speak to a live person ) An email was sent, and a response was received that they had no control over any approval decisions that was XXXX  XXXX XXXX, XXXX. decision alone. ( see attached ) For the past 15 years we have made interest only payments with no portion going towards to the principle, on time every month. 
The paperwork also state that we were not eligible because the maturity date was past due. We tried to re-modify back in XXXX but did not receive the proper information or any paperwork. 


We feel XXXX  XXXX XXXX, XXXX. is being extremely deceitful, deceptive, mis-leading and misguiding. XXXX  XXXX XXXX, XXXX. and Bank of NY, Mellon are pointing the finger at each other and no one is taking responsibility to try and resolve our issue. 
XXXX  XXXX XXXX, XXXX.s accusation that Bank of NY, Mellon did not approve the re-modification XXXX  XXXX XXXX, XXXX. states they did not investigate any other programs that we may be qualified for. 

This means we are where we started with no re-modification, threats of foreclosure and credit defamation if we do not pay the full amount of the HELOC by XX/XX/XXXX. According to the reply we received from XXXX  XXXX XXXX, XXXX. any payments made will be accepted but will not stop the process We feel very strongly that our experience, with XXXX  XXXX XXXX XXXX, XXXX. has been malicious and not helpful. 
Their communication skills and customer services are simply unacceptable. My husband and I would really like to re-modify this loan so that we may start paying into the principal and eventually pay it off. 

Our goal is still simply to get this loan settled, so that we will still be able to live in the house that we have tried so hard to maintain for our family. If you need any additional information, please feel free to contact us at ( XXXX ) XXXX, ( XXXX ) XXXX, or email XXXX. 

Thank you again for your time and consideration. 

Mr. XXXX XXXX Mrs. XXXX XXXX
Product: Vehicle loan or lease

I was leasing a {$27000.00} car that ended up being a close account so they initially put {$27000.00} on my credit report but that total has changed three times and now its on my credit port for {$43000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, The 3 Credit Reporting Agencies, XXXX, XXXX and Transunion have violated my rights. On XX/XX/XXXX they all received instructions to perform a thorough investigation in which they did not. They had more than 30 days to perform the investigation and did not provide results or deletions. 

Tracking Numbers for Investigation requests are as follows : USPS XXXX # : XXXX XXXX Received XX/XX/XXXX USPS XXXX # : XXXX XXXX Received XX/XX/XXXX USPS XXXX # : XXXX TransUnion Received XX/XX/XXXX XXXX. 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States 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. 

My rights have been violated numerous times as evidence shows and I demand these accounts be deleted from my credit report. I have provided the accounts attached with 2 different credit reports and below as follows. 

Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXXAccount Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX XXXX XXXX Paid Account/Late Payments : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is wrong for companies to receive authorization and permissible purpose to access a consumer 's credit report but then hire another company to acquire the report. The Credit Reporting Agency 's ( CRA ) are allowing this by not requiring all of their clients to have permissible purpose and authorization in their respective name. The risk of a person 's private information then increases because companies are violating  the FCRA. I was surprised when I saw XXXX XXXX on my report and called. They are a lax company owned by a very large company.. 
I was hit by thieves that had too much of my information.
Product: Credit reporting or other personal consumer reports

I'm reaching out to you to discuss a problem with my credit report that has persisted for a while : recurrent bogus accounts. These accounts still show up on my credit report despite my prior efforts to dispute and correct them, seriously harming my financial stability and trustworthiness. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following accounts are the ones I am disputing due to their fraudulent nature : XXXX XXXX XXXX XXXX XXXX. I already reported these bogus accounts to your organization and sent all the required paperwork, including police reports, identity theft affidavits, and supporting proof, to demonstrate their false origin. These accounts keep reappearing despite my best efforts, which causes unnecessary trouble and distress. This letter directly affects my financial stability and creditworthiness, therefore please address it with the immediacy and seriousness it demands.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting 60 day lates for XXXX and XXXX of 2024 with a payment made for {$170.00}. Bank statements were provided to show the payment was made and XXXX still has not deleted this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since  XXXX   XXXX ,  XXXX   XXXX   XXXX , a collections company, whom I have NEVER done business with nor have I ever had an account with, has been reporting a Debt Buyer Account on my Equifax credit report an amount of {$410.00}. I have disputed this account with Equifax and was told by them that they verified this account as being mine, which it 's not.     As instructed on the Equifax investigation report, I have called  XXXX  at the number provided on the credit report numerous times to dispute this matter using the account number provided by  XXXX  which appears on the investigation report. For my own protection, I am refusing to give  XXXX  any additional information -- especially my SS # to a collection company in the event they make any additional inquiries which ought also need to be removed from my credit profile. Although I provided  XXXX  with the account number, my name and address to verify my identity to them as it appears on my Equifax report to identify myself as the person disputing the erroneous and damaging information they are reporting on credit profile,  XXXX  refuses to discuss this account with me because I refuse to give them the las t 4 digits of  my Social Security number, citing privacy protection.     After their many attempts to justify their reason of needing my social security number to identify me they used  one  of their internal systems to access my name and number through their system and asked me to confirm the last  four  digits of my SS # which the agent named "  XXXX  '' said she had my full social security number in front of her as proof that  XXXX  performed an UNAUTHORIZED CREDIT CHECK which appears on my credit report and have not provided any information besides stating a DEBT BUYER ACCOUNT. I told  XXXX , I knew my rights under FCRA and by providing a company issued account number, that I did n't have to provide my SS # as reasonable ID -- particularly to a DEBT COLLECTOR speaking on a RECORDED LINE ; who would ultimately use my information in their own pursuit of debt collection activities.     Also, inany of my disputes neither  XXXX  nor Equifax has provided any additional information to me such as a statement or contract to indicate the origin of this collection debt, to resolve this matter, since I have never had any dealings at all with  XXXX , no contracts, no signed agreements, no nothing. On  XXXX   XXXX ,  XXXX , I applied for an apartment and my application came back saying I had to provide an additional {$720.00} Security deposit because  XXXX  has placed this on my credit report -- fraudulently and illegally. This is even more frustrating because they say date of first delinquency is in  XXXX ,  XXXX , date opened,  XXXX ,  XXXX ,  XXXX  and have been reporting this since  XXXX  of  XXXX , creating numerous erroneous inquiries among my other credit reports ( i.e.  XXXX , Equifax,  XXXX  Renta l Bureaus ),  as well.     I pray you can help me get this sorted out. Thank you.
Product: Debt collection

Credit collection services is attempting to collect a debt on behalf of XXXX XXXX XXXX ' the debt is erroneous because I canceled the service by virtue of 'non ' payment. The collector is also attempting to contact me outside of allowable hours and is using harassing and/ or persistent techniques to collect on this erroneous debt. Additionally, the amount requested {$67.00} is not recognized as a 'correct ' amount, the company and it's agents/ representatives do not have the correct contact information for me, they can not or will not produce an original 'wet signature ' showing the 'valid " contract and any resulting 'debt ' is not enforceable. Company is also, allegedly, abusing the process by threatening negative credit impacts from a debt they can not leggaly collect upon.
Product: Mortgage

My home loan was consolidated with a home improvement loan. After realizing the principal amount on the note was incorrect they modified the principal amount from {$690000.00} to about {$620000.00}. I was being overcharged and after making the adjustment on the principal amount I do not believe an adjustment was made on the interest paid. My loan was sold several times and in my foreclosure action they presented a note that was not endorsed. Judgment of Foreclosure and sale was entered by default and not on the merits. Based on a recent forensic review it was recently discovered that in my bankruptcy proceeding the alleged lender had to prove they owned my loan and submitted a note with my forged signature. This note was not the same note they presented to the court in my case. Additionally there is only one endorsement. I have reason to believe that the party enforcing this claim is not the owner of my loan. Illegal charges has also been added onto my loan and the amount they claim is owed is disputed.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. EXPERIAN, XXXX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN, XXXX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS. ALSO, THE ADDRESSES LISTED ON MY CREDIT REPORT ARE NOT MINES, I'VE NEVER LIVED AT ANY OF THESE PLACES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COULD YOU PLEASE DELETE THEM FROM MY CREDIT REPORT.