23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 BANK XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX C XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I requested debt validation from this company in XXXX of XXXX which the company never responded and I also sent the company a cease and desist yet they are still communicating with me in written communication on my credit report
Product: Credit reporting or other personal consumer reports

My account with 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 in those account 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 XXXX  days before the payment due date. 


XXXX XXXX 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 XXXX  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

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted a complaint to you already # XXXX. I am attaching the letter I received from Ocwen wherein they state that the mortgage payment was increased to {$840.00} on XXXX/XXXX/XXXX and payments of {$800.00} we received after that. I am attaching a copy of Ocwens Escrow analysis dated XXXX/XXXX/XXXX that says the monthly payment is to be {$800.00} as of XXXX/XXXX/XXXX ( NOT the {$840.00} Ocwen now claims ), along with copies of the statements received from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ( after which they stopped sending statements ) which also show that the " Total Regular Payment '' for this time period is {$800.00}. which is the amount that was paid. Needless to say I am still disputing Ocwens claim that any monies are due, the attached " Cancelled Checks '' show we have paid the full amount due " Per the Statements '' we have received through XXXX/XXXX/XXXX, plus {$800.00} was paid for both XX/XX/XXXX & XX/XX/XXXX. I am willing to bet their current escrow balance is incorrect also. 

So what do we do now? I have repeatedly responded, in writing, to their " Notice of Pre-Forclosure '' letter whereby we request a " In Person '' meeting per page XXXX of their letters. The only response I have ever received is a new " Notice of Pre-Forclosure '' letter, all have been identical save for the date issued, all have been respoded to requesting a " In Person '' meeting. I have now received the same letter dated XXXX/XXXX/XXXX ( which I will respond to tomorrow, requesting a In Person meeting ).
Product: Credit card

Citibank XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Called and spoke to XXXX says she is not allowed to give her employee number.

I have 2 Citibank credit cards. Each one has its delegate statement to make payments. I called today ( XX/XX/24 ) to make a payment on my XXXX card for {$83.00} and gave me a confirmation of XXXX. Their automated system gave me the balance for the other card that I have XXXX. I called the office to ask them why didnt my payment get credited to the correct account and they told me that there is nothing they can do. So 1 credit card XXXX has No payment and the other car XXXX has 2 payments. This is the 2nd time this banks system failed me. This same thing happened to me with this same bank applying 2 payment to the same account. Someone needs to do an audit on them. I should not have to keep calling g them back to fix something that their bank messed up. Look at all the customer complaints filed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX complaints closed in last 3 years XXXX complaints closed in last 12 months Enter XXXX XXXX  Rating is XXXX XXXXXXXX XXXX XXXX New York address : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Email this XXXX phone number : ( XXXX ) XXXX
Product: Debt collection

Stellar Recovery, is collecting a past due balance from XXXX so I made a payment arrangement for when I go back to work because I was in school during the summer, so that they would n't put it on my credit report but they put it on my credit report anyway because they said I did not pay it within their time frame but they never told me there was a time frame so that was misleading and unfair because if they were going to report it on my credit anyway then I could 've took as long as I wanted, but I tried to settle my debt and they screwed me over anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$2900.00}.
Product: Debt collection

This is a unverified debt that appeared on my credit report due to inaccuracies according to section 609 of the fair credit reporting act this debtor has to have my original signature proving the debt belongs to me I am askin for proof of this debt with the original signature and if And where is this being verified or how? If they fail to produce an original signature I demand a deletion. 

Thank you XXXX XXXX XXXX
Product: Mortgage

DITECH, AND XXXX ARE ATTEMPTING TO SALE MY HOUSE ON XX/XX/XXXX ON THE COURTHOUSE STEPS. THE ASSIGNMENT THAT IS BEING USED IS ROBO SIGNED, THE ASSIGNMENT WAS CREATED AFTER THE CUT OFF DATE OF THE TRUST. THE ASSIGNMENT IS FRAUDULENT
Product: Credit reporting

Equifax is reporting old information in which according to FCRA are old accounts and they can be removed from my credit file. I requested via fax again for the removal of the old creditors and the old accounts have n't been removed. These are the following accounts in which I am asking to be removed from my credit file.     Account   XXXX   XXXX    XXXX  I am no longer liable for this account.     Account  XXXX   XXXX  I am no longer liable for this account.     Account  XXXX   XXXX   XXXX  I am no longer liable for this account.     Account   XXXX   XXXX   XXXX   XXXX    XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint about XXXX XXXX sending me an email saying im pre-approved for a XXXX XXXX XXXX make cluck here. 
This wont effect your credit score. 
I did because i buy all my gas there and the credit card gave a XXXX cent a gallon savings. 
I filled out all information and submitted it I was denied the card and then i received a notification from my credit monitoring companies that a Hard Inquiry was made. 
I never authorized a hard inquiry ive dropped iver XXXX points just from new credit cards and make over the min payments and early on every account. 
Equifax take XXXX points for hard inquiries and XXXX yo XXXX points for " over usage ''. 
These credit cards pay cash back so i use them in place of debit cards. 
I get no points back for ontime or early payments only points laken away Now i got an email notice this case is closed and i can not get the results when i logged into Equifax website.
Product: Debt collection

on  XXXX / XXXX /   2017  i was contacted at  XXXX   XXXX . They also call from a private number as well
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I instructed XXXX to close a XXXX account in XXXX. They billed a membership fee on XXXX XXXX of {$95.00}. They have been notified XXXX or XXXX times by their " XXXX XXXX '' and in writing to cancel this account. They have failed to respond and are now charging interest on a " late payment ''. I have paid all proper charges and should have a XXXX  balance.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681Section 602 A State : i Have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its Also State a Consumer Reporting Agency can not furnish a Account without my written Instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

The independent bankers bank is reporting on my credit without providing who they are. They take soft and hard inquires with the intent to reduce my credit report and supported by XXXX, Experian, and XXXX to reduce my fico score without notice to who they are and what they are about. I have no clue who this is and how they feel they are involved in my credit report unless its fraud. I truly believe this is an act of fraud unsupported by XXXX Experian and XXXX to drive fico down for credit companies.
Product: Credit reporting or other personal consumer reports

The balance on my US Bank auto loan account is incorrect the balance on the account was paid in full. I also received a XXXX balance letter from them as well. And with all of this they are still reporting a balance on my XXXX and XXXX report. It needs to deleted or updated immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a long time since I started disputing my Credit File in hopes of having the fraudulent items be completely removed from my Credit File, however, the Credit Bureaus have done nothing despite the consecutive, multiple disputes I have been submitting. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to send me copies of proof of verification and or copies of proof of ownership or any documents bearing my signature but up until now, the Credit Reporting Agencies have never sent me anything related to my dispute. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they remove the disputed accounts and information that resulted due to identity theft. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022. Also, the Credit Bureaus have been claiming that the disputed items belong to me without sending me copies of documents that I have been seeking. This action of the Credit Bureaus is a clear violated of a consumer 's rights in under the Fair Credit Reporting Act. I have informed my legal aides regarding this matter and they are willing to help me deliver this case to a federal court. If it is not too much to ask, please remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable re-investigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
XXXX. Correct or delete any information that can not be verified on my profile for XXXX per 15 usc 1666b. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]
Product: Debt collection

I had an account with XXXX in XXXX and it was closed. A Company by the name of Waypoint Resources, whom Ive never had an account with has added an account to my credit report with a date of XXXX. I have never had an account with with Waypoint Resources and they refuse to remove this account from my credit report.
Product: Debt collection

As I said before, I didnt give OPTIMUM OUTCOMES permission nor my consent to speak to me, a natural person, the consumer, about an alleged debt. Furthermore, OPTIMUM OUTCOMES admitted to getting my information from a XXXX XXXX XXXX over a year ago. I did not give consent to neither of these companies, so therefore thats another violation pursuant to 15 USC 1692. You have injured, stolen my identity, and harassed me for over a year now. Youre not allowed to state a natural person owe a debt so tell me how OPTIMUM OUTCOMES didnt violate Federal law? I was injured and Im demanding monetary relief. When I told OPTIMUM OUTCOMES to remove my information, theyve shouldve done so. No matter how many times I stated it, OPTIMUM OUTCOMES refuse.. Now all of a sudden, they want to listen and XXXX  XXXX honor my Cease and Desist letter. You cant pick and choose what to honor from my Cease & Desist letter. OPTIMUM OUTCOMES denies any alleged violations of law but them FIRST stating theyre a debt collector and this is an attempt to collect an debt, is one of the first violation according to 15 USC 1692b. I dont care if OPTIMUM OUTCOMES thinks its copied & pasted OPTIMUM OUTCOMES didnt have a problem copying, pasting, and BUYING my information from third party reporting agencies, or else, we wouldnt be here. As a private consumer Ive been injured and I demand monetary relief. I dont care what other consumers are posting or doing. I am XXXX XXXX, a consumer, the natural person according to 15 USC 1692a ( 3 ). A corporation, OPTIMUM OUTCOMES, has no voice and can not speak for me nor address me. OPTIMUM OUTCOMES caused this and I will not let this go until my Cease & Desist letter is honored, entirely. The next step is Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with this credit reporting bureau about the unverified account XXXX XXXX Account number XXXX. In those 2months I have asked numerous times for a response or to be and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified accounts as of today. Thank you
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft and i have attach a copy of the report below with all information concerning the FCRA. I would like for the following items to be deleted from my credit report from all XXXX CRAs because they are not mine : i have items on my consumer report that are a result of an identity theft and not made by any transaction related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request to XXXX XXXX and Equifax on the following dates XX/XX/2024 XX/XX/2024 XX/XX/2024. The judge dismissed the case and released me of all money owed back in XX/XX/2024. I notified Equifax and it is still on my credit report stating I owe {$7600.00}.
Product: Debt collection

MIDLAND CREDIT MANAGEM XX/XX/2024 {$1000.00} XXXX Company did not verify or validate this debt