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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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: Mortgage

My father in law passed away unexpectedly and had a home equity loan from Sovereign Bank. There was a XXXX dollar balance on the account when he passed away and we paid the balance, even though he had mortgage insurance. We sold the house and were told that we would have to pay a XXXX dollar penalty because we closed the home equity line early, even though he had died the bank stated that " these are the rules ''. A complaint was filed with Sovereign XXXX years ago with no resolution.
Product: Mortgage

transunion credit bureau has me at a very low score on my credit report ... .i want to know why
Product: Bank account or service

I had my previous account open with wells fargo for two years from XXXX, and they never used they had a right to close my account. The only reason why they froze my account was because they told me my account was compromised and they told me, to go into my local branch to open a new one. My rights have been extremely violated. Wells fargo has never given me a real reason for why my account was closed. I would like to point out why did n't they close my last account that was compromised because they said they had the right to. I was told to open one and to close it XXXX days later to only just say, they have a right to close it and leaving me in the dark about it saying they sent me a letter when in fact they did n't. And was going to let me be embarassed when i went to purchase something, that is not how you treat people. I do n't care how many rights a bank has that is not how you treat a person, let them be embarassed in public because their debit card gets rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$3500.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}
Product: Credit reporting or other personal consumer reports

In the event the parties fail to comply, as the consumer, I hereby reserve the rights to sue both parties for willful and negligent non-compliance in federal court under the law. Furthermore, I bring this matter to the Consumer Financial Protection Bureau ( CFPB ) to further investigate this company and all of their non-compliance of consumer laws in my previous complaint ( s ). This company is causing intentional infliction of emotional distress, defamation, humiliation, and I reserve the right to sue at any time for non-compliance of this matter. 

Additionally, I am officially and immediately rescinding any assumed authorization, whether verbal, non-verbal, written, or non-written, related to reporting the transaction information under my account. 

Thank you, Best regards. 
XXXX, XXXX ( XXXX ), UCC 1-308 All rights reserved.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Balance {$4300.00} Original Creditor Name XXXX XXXX XXXX XXXX Balance {$3900.00} Original Creditor Name XXXX XXXX These accounts were both fraudulently opened in my name. I have filed a police report, I have filed multiple disputes with each major credit bureau including a copy of the police report.I have also filled out and mailed a fraud packet from XXXX  and returned it the company. Experian, and XXXX  have both failed to remove this information. I have requested proof of their investigation, which they have failed to provide.
Product: Credit card

I applied for an extension of my credit at Home Depot and got denied for whatever reason but the law says denials are unlawful 15 USC 1691.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has dropped my sore over XXXX points twice in the last month. The first time, it was fixed but then they did it again and there is no explanation as to why it happened, they just dropped it. I can understand maybe XXXX but XXXX?????????? And no explanation as to why its XXXX
Product: Vehicle loan or lease

XXXX with Carvana LLCXXXX Was told by Carvana Rep I must file paperwork for a refund of sales tax collected with my local tag office. I went to the Tag office and was told the refund must be processed by the dealership i'm 100 % permanent & totally XXXX veteran. Per GA state law I am entitled to sales tax refund on 1 vehicle that has the XXXX veteran tag. 
Carvana now says it is too late for them to process the refund and my local tag office says CARVANA must submit the request for the refund.

Carvana should correct their mistake/bad instructions and request my sales take payment of approximately {$3700.00} be refunded the XXXX XXXX GA XXXX XXXX XXXX XXXX Ad Valorem Tax on Vehicles XXXX XXXX XXXX This exemption applies to either the annual property tax or the title tax, whichever is applicable. 

This exemption is for veterans who are verified by VA to be 100 percent totally and permanently service-connected XXXX and veterans rated unemployable who are receiving or who are entitled to receive statutory awards from VA for : ( 1 ) loss or permanent loss of use of one or both feet ; ( 2 ) loss or permanent loss of use of one or both hands ; ( 3 ) loss of sight in one or both eyes; or ( 4 ) permanent impairment of vision of both eyes to a prescribed degree.

The exemption is granted on ONLY one vehicle the veteran owns and upon which the free XXXX Veteran ( DV ) license plate is attached. Veterans who qualify for the XXXX XXXX or XXXX XXXX XXXX specialty license plates are also exempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In ordinance with the fair credit reporting act. Everything on my credit report must be 100 % accurate on my credit report. The credit bureaus stated that they properly investigated information on my report. But that information is inaccurate. This is grounds for removal. 

They also violated my rights under 15 U.S.C.1681 section 602 states I have the rights to privacy.

15 U.S.C. 1681 section 604A section 2 also states a consumer reporting agency can not furnish my account without written permission. The account is XXXX XXXX XXXX  account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three hard credit pulls on one day ( XX/XX/2021 ) that were not me. 
I called one of the numbers listed for XXXX XXXX  and its a mortgage line no longer in use. 
XXXX XXXX also was listed and they didn't have me in their system when I called them. 
XXXX XXXX XXXX  was listed on the inquiry too. 

None of these inquiries are from me. 

They were all done in my former married name ( XXXX ).
Product: Credit reporting or other personal consumer reports

The company reported that I had a charge off amount in the amount of {$5700.00} for a car that I had with them that was stolen and filed through insurance. They then later updated the account to state that I had a remaining balance of {$780.00}. They reported the account as owing over {$5700.00} after the insurance was supposed to clear the balance but also reported insurance balance on XX/XX/year> without stating that it was paid by insurance. The reporting is currently showing profit loss write off but still showing on my credit report as a charge off when this debt has been charged as income to the IRS. I am disputing the facts in the report as well as how it is showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Equifax that XXXX has removed XXXX XXXX XXXX collection account. That they are reporting I owe. Yet, they have not investigated nor sent me any information on the dispute. Ive tried several times by disputing this collection without anything being done. XXXX has sent me information along the way of my dispute with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have aflame blemishes entries that was placed on my credit report and I have been trying for over 8 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 12th dispute in which I am currently awaiting results. On XX/XX/2018 I called and spoke with a representative and inquired how Equifax verifies their public records/accounts. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXXr. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. In addition to public record have student loans from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Payday loan, title loan, or personal loan

XXXX is not a loan company they are a debt settlement company, I have to loans of which I fell into hardship and could n't pay them so I contacted this company about helping my consolidate my loans into one payment and also stop the fees for accruing. In XXXX 2017 I got a phone call from XXXX XXXX stating that she worked for this company and that they can help me pay off my loans in 4 months without paying any fees from the lenders and accrued interest, She sent documents over stating those facts .Once I responded to the documents. This company started taking money from me on XXXX XXXX, 2017 of XXXX! XXXX XXXX, 2017 was suppose to be my last payment and I was suppose to get a letter from my lenders stating that my loans were paid in full. Before I enrolled into this company i owed XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX informed me that once I enrolled into XXXX loan that they would handle everything for me. I had told her that I had only paid XXXX but had not paid XXXX because they had not sent me a statement. She informed me that it was fine because they would settle my debt for me and handle everything for me. Everything was going good until XXXX when i got a call from XXXX with XXXX XXXX XXXX Im guessing they are the same with XXXX  but they represented them, She explained that I would not be finish in XXXX because one of my lenders had not settled. This company did nothing to tell me that my lender wasnt going to settle. They kept charging me fees from their own company while my lenders charged fees too. I demanded a full refund but was told that i would only get XXXX back and that they charged over XXXX in fees. Sent only one lender a check for XXXX in XXXX. I am beyond exhausted and frustrated. This company is a big scam and I want my money back because they misrepresented their selves and then at the end going to tell me that i signed a contract stating that they would take fees. I did n't care about the fees. but they didnt do anything for me so I demand a refund.
Product: Credit card or prepaid card

I have a credit card with Wells Fargo that has a zero interest rate. There are 4 promo balances on it. The zero interest rates on the promo balances begin expiring on XX/XX/XXXX. I will have sufficient cash, over the next few months to pay these off ( if Wells Fargo applies them appropriately ie applies the minimum payment first, and then applies the excess payment to the FIRST expiring promo balance, and so on. 

I have contacted Wells Fargo, via email, and each reply simply restates the previous " we apply Minimum Payment first to lower APR balances ( Purchases ) before balances with higher APRs ( Cash Advances ). Payments made in excess of Minimum Payment will be applied to balances with higher APRs first before balances with lower ones. '' Note : I have never made a purchase on this card. There are only the four promo balances. Wells Fargo did note in their reply that my APR will jump, after the expiration dates of the promo balances, to 18.15 % for Purchases! This is very convenient, as you will note below, that they have refused to allocate my excess payments to the first expiring promo balance, but rather do some kind of broad allocation - 33 % to the first balance / 31 % to the second / 14 % to the third and 21 % to the fourth. I do n't mind them allocating the minimum payment however they wish, but if I pay an extra amount of {$1000.00}, and I want it to be paid to the first expiring balance, I should be permitted to choose this option. 

Their most recent reply - again - the third time in 6 weeks - was ... '' Payments made in excess of the Minimum Payment will be applied to balances with higher APRs first before balances with lower ones. Because your balance consists of four promotional balances of 0 %, each balance will receive a portion of the payment. '' In my most recent communication with them, I offered to call in each time I make an extra payment and indicate that the first balance should be reduced by the payment etc. I have four balances - first one expires XX/XX/XXXX, second one expires XX/XX/XXXX, third one expires XX/XX/XXXX and fourth XX/XX/XXXX. The total I intend to pay between now and XX/XX/XXXX ( excluding minimums ) is about {$11000.00} and will more than adequately pay off the first two balances, if Wells Fargo allocates the payments correctly. 

I have a XXXX XXXX credit card and have promo balances ( 0 % ) on that card. XXXX XXXX does what Wells Fargo will not, they allocate anything in excess of a minimum payment to my first expiring promo balance. I fail to understand the difference. It also seems to me that this Wells Fargo matter is covered under your CFR Section 12 CFR 1026.53 regarding Allocation of Payments - am I correct? 

I would appreciate your assistance with this matter or any further information that you can offer me.
Product: Credit card or prepaid card

I filed an Identity Theft Complaint to the FTC the middle of XX/XX/2018 regarding Bank of America not verifying in depth the person who opened a charge card in my name and Social Security Number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed XXXX on XXXX/XXXX/XXXX and they have not responded back with an explanation on why they have inquiries on my report that i did not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account says charge off and that is not correct please investigate or delete file CREDIT COLL
Product: Vehicle loan or lease

I already filed the claim with CFPB case # XXXX regarding fraudulent loan with TRUIST Bank XXXX XXXX XXXX despite all my efforts I couldnt resolve that issue with their Fraud Management Department XXXX An Identity Theft claim was filed on my behalf on XX/XX/2022. The claim was reviewed, and a letter was mailed on XX/XX/2022. It was determined I had been the victim of the identity theft and the loan account that had been opened in my name was closed. 
So the case was closed and I received a letter ( attached ) from Truist Client Resolution XXXX, XXXX XXXX XXXX, stated that I was a clear victim of the identity theft. 
But they are still sending me monthly bills with an outstanding balance of about {$840000.00}. I again tried to solve that matter with TRUIST Bank but with no success. 

Thank you for your assistance XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked Equifax to verify the debt. What procedures were used to confirm debt? They said the debt is verified? I asked how? Still did not respond. 

XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The only lawful spelling of my name is XXXX XXXX  XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  We have no account listed above with that total so it is not verified and not accurate Write offs, charge offs debt forgiveness cancellation of debt, The creditor has a duty to report this information. The fair credit reporting act requires for accurate credit reporting and if a debt has been XXXX and or written off the creditor has to notify the creditor and the fair debt collection act as well as the uniform commerical code, but creditors receive a benefit and must notify the borrower as well. You are receiving a tax benefit to offset the debt. Every debt is associated with a contract, which corpates contract law : contract law requires parties to operate in good faith, clean hands, and to communicate with XXXX another. The most basic part of the contract law is parties have a duty to communicate with XXXX and another. You also failed to take into consideration, receives a benefit from writing off a debt that is forgiven, it can not under the law under the fair reporting act, allow that original debt to remain unchanged. The benefit operates in a benefit or set off, and that means the accounting must be set off set, what ever you call it a charge off write off etc is a benefit offsetting, benefit acts as a positive. 

Since most businesses use the method of accounting the offset is mandatory as a result of their reporting practices. The law does require accurate reporting, and failing to report something means you are not accurate, it is not verified, it is not validated, and the law requires validated, verified and accurate reporting. It requires all these XXXX issues to be addressed by every single creditor. This is the reason why we have the fair debt collection act in the first place. The fair creditors reporting act was established because the creditors were not accurate at all. They must report debts accurately, XXXX vs XXXX bank XXXX. This case said creditor failed to update the consumers credit report. The debt was XXXX in a. Bankruptcy. 

IRS topic 453 They can not make no claims 90 days document default 180 days they can write balance off You can not do any refinance after 90 days The Irs gives them a 1099c form cancellation of debt.
Product: Credit card

Transactions with XXXX XXXX XXXX Illegal dwelling units Owners of rental units are required to obtain a rental license and undergo an inspection. Units that have been added to the interior or exterior of a structure without the proper permits are illegal. 

As a tenant in Florida, you have the right to quiet enjoyment, which means you can peacefully occupy your rental property without unreasonable disturbances. 

I then called code enforcement and was informed that the " guest house '' I was living in is not a legal rental. Specifically, it should not have a kitchen since it is an accessory unit on the property. There is a main house on the property and under Florida law there is only one residence allowed per lot.
Product: Mortgage

Unable to receive a statement by mail, phone, email or sign on to the web. Not sure if payments have been credited, should be two months ahead before but unable to to verify
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report from XXXX, XXXX, and Experian/FAIR all report that I have serious delinquency Too many accounts open Too many inquiries last 12 months proportion of loan balances to loan amount is too high what are the serious delinquencies? 
loan balances are too high? no loans other than my school loan and mortgage How do I close my accounts without being penalized by credit reports
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX, XXXX XXXX party debt collection means charged off and is now considered a certificate of indebtness. XXXX Cancelation of a debt. This is now means this is income and income can not be reported to my credit report. 

Please remove from my credit report. 

Account : Procollect INC XXXX