23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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

My accounts 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 to be removed/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 ensu
re 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.

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!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED - XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

XXXX XXXX, 2009 Wells Fargo filed a FRAUDULENT FORECLOSURE COMPLAINT : Wells Fargo and its attorneys XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Wells Fargo acquired my personal information via committing identity theft Wells Fargo took my personal information and fabricated a foreclosure package. Fraudulent at the time of filing this foreclosure complaint # XXXX. 
Wells Fargo claimed to be the owner and holder of the Note and Mortgage which they never had the assignment or Mortgage nor Note they where not the original lender nor was the mortgage transferred or sold to Wells Fargo from the true original lender. XXXX XXXX came to court to inform the Judge he has never had any contractual obligation to Wells Fargo seven months from filing the case Well Fargo did not produce proper documents to the court. The court wanted proof of an assignment since Wells Fargo was not the original lender they never produced the proper documents to prove their standing to foreclose. After XXXX XXXX, 2009 ... see order clearly shows that Wells Fargo was not the original holder of the note or Mortgage. Two days after on XX/XX/2009 Wells Fargo attorneys filed FRAUDULENT assignment ... .PLEASE SEE EXHIBIT A-2 See fraudulent assignment of Mortgage that was recorded XXXX-09 this was filed seven months after the fraudulent foreclosure complaint was filed notice The assignment has no LOAN NUMBER therefore its invalid. The assignment of Mortgage was never presented to the court but it was recorded with the recorder of deeds office. In order to conceal the Fraud Wells Fargo filed a motion for substitution of Judge from CALENDAR 53 TO CALENDAR 64 this was done without submitting the previous order from the original judge from calendar 53 this was done in order to conceal fraudulent foreclosure. 

IN CLOSING : This foreclosure was filed by stealing and acquiring my personal information to fabricate a fraudulent foreclosure package to deceive the court therefore commiting fraud upon the court. The Note sent via email and certified mail in this instance constitutes mail fraud in a continuous scheme to steal property under code # 18 U.S.C.1341
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be corrected in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXX XXXXXXXX XXXX Balance : Owed : {$57000.00} XXXX XXXXXXXX XXXX Balance : Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance : {$79000.00} XXXX XXXXXXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$79000.00} XXXX  XXXX XXXX Balance Owed : {$970.00} XXXX  XXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

In XX/XX/XXXX I received notice from my mortgage holder, Waterstone Mortgage, that my loan would be transferred to XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I called Waterstone and spoke with XXXX, who advised me to pay my XXXX XXXX payment ahead of time to avoid having a payment show late during the loan transfer. I did so over the phone, paying {$2500.00} on XXXX/XXXX/15. I have confirmation of this payment from Waterstone and the full payment was debited from my account on XXXX/XXXX/15. However, Shellpoint mortgage did not receive notice of this payment at the time the loan transferred, so their records still show that I owe them a payment for XXXX XXXX, 2015. I have provided the written documentation of the XXXX/XXXX/15 payment to XXXX. I have contacted both Waterstone Mortgage and XXXX XXXX multiple times by phone, email ( through their secure messaging systems online ) and sent written requests to XXXX to have the issue resolved. So far, all I 've gotten is both sides pointing fingers at each other, both claim they are investigating, but neither has resolved the issue, nor acted on my request to provide status updates. Waterstone mortgage took a full week ( from XXXX/XXXX/15 to XXXX/XXXX/15 ) to send a response to my online message inquiry. Their response was a form letter acknowledging that they were delayed in responding and instructing me to resubmit my request via the Message Center. Basically, I 'm back to square one with them. 
I would welcome advice as to how to get both companies to take action and respond - I feel like I 'm stuck in the middle with no recourse while both do nothing. Meanwhile, a {$2500.00} payment I made is lost in limbo and the new mortgage holder, XXXX Mortgage, shows me as being past-due on my payment, even though I have provided them with written documentation from Waterstone that I did in fact make that payment. What are my other avenues to ensure that ( 1 ) my principal balance is corrected to reflect the payment I made, and ( 2 ) my credit is protected? 
Word of warning to all consumers : avoid Waterstone Mortgage! Our experience throughout the process of buying our house was painful, and it 's only gotten worse from there.
Product: Debt collection

XXXX XXXX XXXX  XXXX  has been calling me for months over a payday loan that I owed for 2014. They are not even the people that are supposed to be handling the debt anyway because I spoke to someone with Check n Go and they dont even know who XXXX is. That company is a fraud and I told them if they dont stop calling me I would report them to the attorney general office and they still call. Here is their phone number they call from XXXX. Please help me. Thank you
Product: Mortgage

It is our belief XXXX XXXX & XXXX XXXX XXXX XXXX. are fronts for Nationstar Mortgage. CFPB has recorded over 10 complaints in this last year against this firm. We made a complaint several weeks ago regarding XXXX 's mistake of not crediting our Tax & Insurance set aside with {$2400.00} within 10 days of the date of the attached letter XX/XX/XXXX or by XX/XX/XXXX. By XX/XX/XXXX we received a NOTICE of PROPERTY CHARGE  DELINQUENCY as attached, as Champion now does not apply the mistaken {$2400.00}. to our Tax & Ins. set aside but makes demand for $ {$2700.00}. and claims if the funds are " not paid in full byXX/XX/XXXX or your loan may be declared DUE & PAYABLE. IF YOUR LOAN IS DECLARED DUE AND PAYABLE BY HUD IT COULD RESULT IN A FORECLOSURE ON YOUR HOME. '' Under duress on XX/XX/XXXX WE BOUGHT A CASHIER 'S CHECK MADE OUT TO XXXX XXXX XXXX XXXX for {$2700.00}. AND MAILED IT THE SAME DAY. See USPS tracking notice attached to this letter OTHER THAN THE TRACKING NOTICE XXXX has not recognized the receipt of this cashiers check. 
These funds of {$2700.00}. plus the {$2400.00}. must to sent back to sender for a total of {$5100.00} forth with or XXXX AGAIN will be in breach of our contract. We understandably do not want XXXX to be in charge of any funds in our Tax & Ins. set aside. We will continue to pay out taxes and insurance ourselves. We received notice from XXXX County that because our loss was over {$500000.00} because of the Atlas Peak Fire most of our Tax paid by XXXX on XX/XX/XXXX would be returned to XXXX with a few months after the new year. We expect XXXX to credit us with those funds as they receive them and stop threatening us with DEFAULT AND HUD FORECLOSURE
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit card to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Date ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this importantmatter
Product: Mortgage

The loan was transferred to another agency in XXXX. I made payments to prior mortgage company before & during XXXX. The previous agency informed me that the by document payments forwarded to current agency. I send the money bi-weekly based on payroll & it makes it easier. In May I up the amount my bill pay process through my credit union to help make the payments apply in full by actual due date. I did make an error with my payments upon finding out the current company was the new agency, so I had my credit union stop payments that was going to original agency so that I can send to current agency. I also, updated the bill pay via my credit union to the new agency to continue the paying process of every two weeks. With that update I forgot to put back on " auto-pay. '' Upon finding that out I corrected that & sent the current agency those payments. They in XXXX claimed that I am two months behind. Since, XXXX  I have sent them proof via my credit union of payments history that has been sent to them & the original agency & today I had to again. Upon me adding up the payments they have been sent, it is totaling me not been behind & a bit ahead, because I send them any extra money I have. The have done " investigation, '' yet no seem to view the documents that I have from my credit union proving the payments are aligned to where I should be at this time of payments needed.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$260.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Sezzle is a buy now pay over time program that I defaulted on. For months now I have been trying to pay this debt as it is still open reflecting on my credit. Sezzle tells me trueaccord is the debt collector while XXXX XXXX tells me the debt is back with Sezzle. No one is helping me. I have proof of both communications.
Product: Debt collection

XXXX XXXX XXXX sent me a collection notice regarding an account that was clearly fabricated. It does not appear on my credit report, and I never opened this account nor did I agree to assume this debt. 

The original creditor they cite - Citibank N.A. XXXX-Consumer -- is not associated with the IIN/BIN Number number cited ( XXXX ) -- and is in fact associated with a DEBIT card, not a credit card. A cursory check of the facts by XXXX would prove that this debt record is completely fabricated. 

It's clear that they are trying to collect on fake debts, and someone needs to stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as my other complaints against the credit bureaus and credit karma continue to be ignored. I was just again refused credit because of a low credit score XXXX though every credit website including the credit bureaus themselves and credit karma report my score 100 points lower an sahow graphs of my score falling steeply when the only changes were the removal of three negative items. I continue to read about other consumers who have had this happen to them all over the internet. Then they are offered ridiculously high payments on everything and people cant get out of this trap. It is sick. Making over XXXX I can barely afford a place to live because my car payment and insurance is so high and because my score is so low despite paying high interest loans and credit cards on time having no glaring negative remarks and having others removed as inaccurate. I tried using this complaint form to complain against the credit bureaus and credit karma and only XXXX  said anything offering some ridiculous gibberish explanation about various scoring models. Tell in what model are negative items removed and replaced with a lower score by 100 points. Why can I not get any answers. What does this company do when companies ignore complaints? Is there any way to mitigate this or is it a waste of time for me to try and work to support myself and my kids because arbitrariy decisions will be made that prevent me from even being able to afford a place for us all to live. I would be better off not working at all and being reliant on government assistance. Is there absolutely anyone who reads this and helps? 
Also now Im paying money to XXXX XXXX  every month in true hopes that we could move somewhere better but that also seems seriously impossible at this point and they have done nothing but take more money from me. Credit scores are a racket. My cousin who went bankrupt has no issues versus me who has never just abondoned my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX  XXXX XXXX Balance : {$500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX Balance : {$790.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX Balance : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2300.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance : {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather deletes this erroneous account. 

XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting incorrect Balance, incorrect past due amount, as well as the wrong Date of last activity. These are all violation please delete account. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$0.00} - This account is reporting twice and the original creditor has not reported it as transferred or sold. Please remove. 

Chapter XXXX Bankruptcy XXXX - This was filed in my name by someone else and was fraud please remove immediately.