23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Chase Bank RE : Form 1099-C Cancellation of Debt I know that reading my credit report that you say i have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two companies Im reporting has charge offs on my credit that I dont even know about and Im a identity theft victim so I would like this problem handled please I would like everything erased from my credit report. Thank you
Product: Mortgage

I divorced in 2010 and by XXXX 2010 a judge decided that my ex-husband pay the mortgage. XXXX I lowered my punctuation in the credit for the delay that occurred since my ex-husband began paying the mortgage. They can verify that XXXX XXXX XXXX XXXX did perform those payments in arrears have even had to go bankrupt. I make all my payments on time I have no fault that a judge has authorized PR my ex-husband to pay the mortgage. I send you attached evidence of the judge 's order
Product: Payday loan, title loan, personal loan, or advance loan

They charge the full amount of interest on this loan which was XXXX with principal for XXXX  months scheduled but I paid it off in XXXX  months and they still charge me the full amount of interest it should have been XXXX they owe me a refund or you do of XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history 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 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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complied with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sunrise Credit Services placed on my credit report a collections account on XX/XX/2021 for XXXX $ with no indication of what its for or where it came from. I've already disputed this on two separate occasions and it keeps returning and seriously damaging my credit. The original creditor is XXXX XXXX XXXX XXXX which upon further research is a scam service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint because Transunion failed to comply with my re-investigation request in complaint XXXX. Since XX/XX/2021 Ive sent 3 letters to them and made over 7 phone calls to resolve this issue. They did not provide any documents requested to confirm their investigation. They are refusing to uphold the law and remove unauthorized inquiries. 

The law says, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Ive told multiple Transunion employees this but they say they dont remove inquiries. This is violating my consumer rights. Transunion must remove the inquiries immediately.
Product: Credit card or prepaid card

I had fallen behind on my payments with Nordstrom who is partnered with XXXX XXXX for these types of situations. I set up a payment plan in XX/XX/2019 to defer from my account being charged off, no late fees and being reported as paying on time monthly.The payments of {$100.00} would be charged for 3 months, I would NOT receive late fees, and my credit report will be reporting that I am paying ON TIME. However, that is not the case. I had contacted them in late XXXX  about this situation as I kept seeing additional charges and my credit is still being effected. I asked for the call to be pulled and it was. I followed up on XX/XX/XXXX at XXXX XXXX and spoke to a manager from the collection agency who informed me that she needs to confer with the other managers and call me back. She never called me back so I called again on XX/XX/XXXX at XXXX and spoke to another manager at the collection agency about the pulled call. She informed me that I was correct about the agent informing me NO late fees will incur and about it being reported to the credit bureaus as ON TIME. Yet, she said no changes will be made until after the 3rd payment which I advised her already happened. She told me to just be patient, which is not okay. 
I later received a letter that I have another payment coming out in XX/XX/XXXX for {$100.00} which would make it 5 payments NOT 3. It is illegal to continuously incorrectly bill me and report incorrect information to the credit bureaus since XX/XX/2019.
Product: Credit reporting or other personal consumer reports

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiry Acct Names : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 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 7 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, credit repair services, or other personal consumer reports

PLEASE RE-INSERT MY CARMAX LOAN INTO XXXX CREDIT REPORTS, IT WAS DELETED IN ERROR. LOAN NO ENDING IN # XXXX
Product: Credit card

BARCLAYCARD WILL NOT CREDIT MY MASTERCARD FOR APPROX {$990.00}, that was charged by a vacation planner " XXXX '' in XX/XX/2016. I tried to redeem my vacation weeks in XXXX in XX/XX/2016, the company disappeared ... no phone, no email, no websites. When I called to file a complaint with BARCLAYCARD, XX/XX/2016 they immediately refunded the charges, pending their investigation. They were unable to locate the vendor then re-charged my account the original amount. They stated that because I filed a FRAUD vs DISPUTE case I was not eligible for a refund and my case window had closed! I had no knowledge of their internal classification of complaints ... .I simply told my story to several customer service reps 10+ times. Each call was a repeat of previous conversations. My most recent calls followed their instructions to fax my contract to them. 18 pages followed circa XX/XX/2016. They told me that I should continue " communications '' with the company because they perhaps, may refund or redeem my vacations in the future. Clearly they have me on the " slow roll '' placing useful idiots with poor language skills in my path. What is my next step? Can you help me?
Product: Mortgage

Refinanced my home on XXXX XX/XX/2020 at XXXX. Upon closing it was agreed by XXXX that I did not have to pay until XXXX XXXX. I have an written email from him stating so. At closing, on my paperworks, it was stated that my first payment was XXXX XX/XX/2020. Then on XXXX XXXX, XXXX XXXX did not remove my automatic payment schedule. Taking {$1100.00} from my accoutn. After look at my bank statement, I quickly claeed freedom numerous of times to ask for a reversal. They have given me a run around since XXXX XXXX after I gave them proof with Bank Statement showing the payment cleared. I called again on XX/XX/XXXX and representative asked for my routing and accoutn number to have the payment reversed but it its been days since then. If any monies are taken from account illegally, I will go to court with this. As of XXXX XXXX, I still havent seen my payment but the company decided to place the payment from my old closed accoutn to my new account. Then contineu to charge me proprety taxes after I had given them VA and Tax Collector paperwork showing me as XXXX XXXX XXXX and tax exempt. I sent this in XX/XX/2020. Finally instead of sending my escrow refund back to me, they decided to move MY money to another account. From my closed account where it sat suspended to my new account. After i informed them of the draft and sent paperworks ( bankstatement showing cleared ). I called again on XX/XX/XXXX and still no assistance.
Product: Student loan

My FSAL was scheduled to close in XXXX, this did not happen. ACS was the loan holder of record. Why didn't the FSA loan close as scheduled in XXXX? Instead the loan was acquired by NELNET in XXXX and two cancelled loans from XXXX, XXXX dollars, never disbursed were added to my FSA. This is illegal. Another TRUMP ADIMISTRATION FINANCIAL CRIME! The FSA promissory note was signed in XXXX for 14 loans, scheduled to close in XXXX. Where are the records that record my FSAL was scheduled to close in XXXX? Who has them? It is illegal not to have a record of when loans are scheduled to close. My FSA account now shows there are 17 loans, this is fraud! There is one promissory note for 14 loans signed in XXXX. Close my FSAL immediately! It is five years passed the scheduled date to be closed. The XXXX one loan consolidation is too old to be reported to the XXXX Credit Bureaus as it is passed the 10 year old reporting date. Close my FSAL account immediately it is five years passed the scheduled close date of XXXX! It appears this is another TRUMP XXXX XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681c ( b ) and 15 U.S.C. 1681 b ( a ) 2 without my written instructions my XXXX account the number is XXXX .... 

on XXXX it shows balance is {$0.00} on transunion it shows {$4800.00} on XXXX is shows {$4800.00} date opened on transunion it shows XX/XX/2016 on XXXX  it shows XX/XX/2016 on XXXX it shows XXXX
Product: Credit reporting or other personal consumer reports

I bank locally, and they refuse to share any information
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I am now opting out of your reporting on any of my ( Transaction history ) I the consumer have a right to my Privacy, per The privacy Act of 1974. 
IT IS ILLEGAL TO REPORT TRANSACTION HISTORY!!! 
PER ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information.

The reporting agency & the financial institution has failed in protecting my right to privacy. The financial institutions did not disclose that they were going to share my nonpublic information with any third party. Nor did the credit reporting agency do the proper investigation before reporting my private information, knowingly and willfully reporting illegal transaction history on to my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2017 I contacted ProCollect as soon as I found out from the original company that my account was sent to them and paid approximately {$2000.00} which is the FULL amount of what I owed. I was told that the big XXXX credit reporting agencies would be notified. However, since then, not only does ProCollect continue to report this account, they report it as being delinquent!!! Because of this my credit score continues to suffer as they are showing the debt as continuing to be delinquent because they report it as such to the credit reporting agencies every month!!! I want ProCollect to stop reporting the account as delinquent on my report as of XXXX 2017 as that is when I completely and FULLY resolved this issue and paid them in full voluntarily!!!
These people are out of control and there needs to be tighter regulations on them having so much control over people 's credit health ... especially since they have very vial and hostile attitudes when you try to reason with them. They wield too much power ''! They just do mean and unfair things to people because they CAN!!
Product: Credit reporting or other personal consumer reports

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX . Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA.

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported.

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

Foreclosure Trustee file fraud documents in the county land records and the county ( XXXX ) clerk office in around the state of Maryland setting foreclosure sale date for XX/XX/XXXX before the case hearing on XX/XX/XXXX see similar actions of this law firm fraud is fraud and these is no expiration date on fraud intentions by these plaintiffs. per Foreclosure Trustee fraud allonge knew the allonge was not sign by banking officer but by document manufacturing company XXXX several years after the bank cease to exist from a defunct institutions similar to XXXX featured in XXXX fraud on court several allonge, XXXX XXXX Unconscious deceptive allonge of XXXX XXXX, XXXX XXXX undatedXX/XX/XXXX Matter set for hearing on XX/XX/XXXX at XXXXXXXXCopies mailed per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX XXXX XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX XXXX per Foreclosure Trustee fraud Motion Ocwen Loan Servicing notary fraud allonge, XXXX XXXX GMAC, Ocwen , XXXX XXXX depositions/cases of XXXX XXXX allonge per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX , XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX per Foreclosure Trustee fraud Motion Ocwen Loan Servicing notary fraud allonge, XXXX XXXX GMAC, Ocwen , XXXX XXXX depositions/cases of XXXX XXXX allonge per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX , XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted you all about my credit and stuff on there that I dont know about. Will you please have it removed from my credit XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. These inquiries I dont know anything about as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I had a card with Bank of America, which they gave me in XX/XX/2020, saying my earlier card was void. After a month, I was defrauded for {$3100.00} + Fees. I was told I had done transactions and also transferred money. I made absolutely no transactions, nor did I did any transaction to transfer money in that account in that time. I also got no updates on my mobile. 
I have dealt with those companies before and they went under the belly after the pandemic. They had my card saved, and seems they just went for it. 
I filed a claim with BOA. They rejected it 3 times. I begged for receipts of transaction from these merchants. 
I was told " WE CAN NOT GIVE YOU THAT ''. I was not even given a reference number for the transactions. I have attached my entire statement for your view. 

Regards, XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX-XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, A Victim of identity theft, I request removal and deletion of the listed accounts on my Experian credit reportXXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX