23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

We applied for loan modifications multiple times and we were denied. I was actually told I have too much equity in my home. I was able to scrape together enough to reinstate the mortgage the day before the foreclosure sale. It actually showed Wells Fargo as owner on XXXX XXXX XXXX XXXX XXXX website. I was able to get thier name removed. 
This bank does a lot of immoral practices if not illegal as well.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Scott & Associates, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings, however, your firm previously filed a suit in the XXXX XXXX XXXX XXXX which was dismissed. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : XXXX. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. You must withdraw any further proceeding from the XXXX XXXX XXXX XXXX. 
XXXX. A settlement agreement that I may retain for my records.

4. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end XXXX XXXX plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The Bureaus are govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681, I have the right to privacy and i did not give a written permission to furnish these accounts. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XXXX XXXX, XXXX AMOUNT : XXXX On XX/XX/XXXX I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like im being taken advantage of and being ignored bu my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these items this account be deleted Immediately as I have put in motion a litigation due to the stress you caused me. My Information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Mortgage

RESPA Violation. 

Our loan was moved from XXXX on XX/XX/2019 to NewRez. Throughout XXXX, we attempted to make payments to XXXX but they told us it was too late to make payments to them. We then called NewRez, who didnt have accounts fully set up and stated it was too early to make payments to them and to call back in a week. On XX/XX/2019, both borrowers ' credit reports received a negative 30 day late notice for XXXX. This is in violation of RESPAs 60 day grace period.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I wrote to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Transunion and XXXX disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A and per 15 U.S. code S 168B2 permissible purposes included with this letter I sent a copy of my old XXXX XXXX XXXX, social security card with the name of XXXX ( My prior married name ) I also sent a copy of my new XXXX XXXXXXXX id and social security card with the name of XXXX along XXXX my XXXX XXXX bill asking them to delete the disputed bankruptcy and to send me a copy of my updated credit report. as of todays date. XX/XX/year> the bankruptcy has not been removed off of my credit report nor have I still received my credit bureau report ( XXXX ) XXXX sent me a response with a report number XXXX for XX/XX/year> saying that they had verified the bankruptcy, I am not sure how because I wrote to the U.S. Bankruptcy Court wanting to know how they report this information since they are not a creditor, and they wrote me back a letter that they do not report this information to any consumer reporting agencies and that they are not responsible for verifying or validating information contained in consumers credit reports XXXX XXXX more information from me that I had already sent in the packet in XX/XX/year>, which included the letter asking each credit agency to remove the bankruptcy a copy of my old state id and social security card with the name of XXXX also a copy of my new state id and social security card with the name of XXXX along with my coxs cable bill??? 
Transunion has not responded at all.????? 
XXXX sent a response of who furnished the information and it has not been removed from my credit report they did send a updated report to show who furnished them with this information. 
XXXX XXXX XXXX XXXX a letter/form requesting the same information that I had already sent them in my XX/XX/year>, letter, I sent that form back filled out XX/XX/year>, and I still have not received a response back from that form nor have I received a copy of my credit report from them with the bankruptcy removed, as of today 's date XX/XX/year>
Product: Student loan

I requested a full loan consolidation on XX/XX/2012 online at student loan.gov and was advised by my loan servicer Nelnet that it was approved. I was just informed that it was a oartial consolidation. And I had to provide proof that it was a full consoldation even though the Advisor stated that I was approved for full consoldation. 

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

Credit cards have been paid, but my score and payment is still not showing
Product: Debt collection

This is NOT a duplicate complaint. This is a NEW  complaint. I provided evidence of my residence from years XXXX-XXXX, as requested by Ms. XXXX. Ms. XXXX  in formed me the matter would be resolved within 24 hrs. As of the date of this complaint Ms. XXXX  refuse to recognize my complaint nor communicate with me regarding this Fraudulent debt. Please contact Ms XXXX  on my behalf. ProCollect is willfully ignoring the evidence I provided as they requested and received.
Product: Vehicle loan or lease

On XX/XX/2020 I logged into Tidewater XXXX XXXX website expecting to make a final loan payment of XXXX and discovered that the final payment jumped to XXXX since last week. I spoke with a representative online about the difference in payment and she told me that there was never a payment of XXXX in the system. Ive filed a complaint with this company once before about their deceptive practices and their was even a class action law suit against them for extorting People for balloon and bogus charges. I was excited to make my last and final payment and now this. This company is the worst with their Mafia tactics to keep you forever in debt with them.
Product: Credit reporting or other personal consumer reports

I did a Credit Card payment plan through XXXX XXXX. They take a little over {$600.00} a month out of my checking account and pay my cards for me. I have XXXX of the credit card companies that have reported to the credit bureaus that my accounts were charged off when in fact they are still getting paid through the plan. XXXX XXXX works with the credit card companies and make a payment plan and come to an agreement. What can I do to make them take the CHARGE OFF status off the credit report when they are still getting paid as if I were paying them myself? I never missed a payment or was ever late. They were usually always paid early and for more that the minimum.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be furnished on my consumer report. 
Us code 1681c a consumer reporting agency must block the reporting of any information in a file of a consumer that results from an alleged identity theft
Product: Debt collection

Quicken loans Inc. served me with a complaint for declaratory releif and judical forclosure of deed of trust. It is for a house my x-husband purchased after the divorce. It says i must appear or the other side will win. I have only a few days left. I am XXXX living on Social Security. Legal aide will not help. It says i am the defendent and i am a judgement lein claimant of record and may claim interest in the subject matter by way of a Domestic Relations Dissolution. Judgement was entered XX/XX/XXXX and  may be found in official records in XXXX County courthouse. i do not have a form or know how to fill it out plus they want me to pay a fee. Any debts from the marriage was in the Dissolution of marriage and my x-husband XXXX XXXX was court ordered to pay.The divorce was XX/XX/XXXX. Quicken loans will not talk to me because i am not on the deed. I was served with all XXXX 's personal business even though we are divorced. Attorney General is just sitting on a claim it has not been assigned to any one they said to fill out the form online so i will get it in on time. I am running out of time.
Product: Student loan

Payment attempted to Aidvantage on the following dates : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 Each time payment was reversed. I resubmitted my bank account information and tried submitting again, but still the payment is reversed. Unable to get in contact with the company. I tried to contact them through email on XX/XX/2023, and they have not replied. Now they are saying I missed my payment, without any notification. The only emails I received from them during this periods were confirmations that my payment had posted. There were no communications about reversed payment.
Product: Debt collection

To Whom It May Concern : I filed CFPB Complaint XXXX against Discover Card on XX/XX/XXXX. As of XX/XX/XXXX Discover Card told CFPB their response is in process. I received In a letter dated XX/XX/XXXX, collections law firm XXXX XXXX XXXX contacted me about the debt, disregarding the CFPBu. That letter is attached. Their client Discover Card has received multiple communications from me stating that my income source is exempt from judgement, so why did they direct XXXX XXXX XXXX to contact me on their behalf, especially when they had proof of my exempt income. 

Discover Card has made multiple representations that they want to help, repayment assistance etc, and that they honor the CFPB process, hardly a month before the XX/XX/XXXX letter from XXXX XXXX XXXX, which might indicate, in my opinion, the likely intention of Discover Card to circumvent the CFPB through abuse of legal process, especially since their response to my original complaint is delayed. Even if Discover Card claims mistake, they bear legal liability, and current and future financial liability for any actions by their agent, XXXX XXXX XXXX. 

Since the CFPB Database seems to indicate that XXXX XXXX XXXX might engage in questionable legal actions, and they like to hide their CFPB responses from the unsuspecting public, I have no doubt they will terrorize me in the future. I ask that XXXX XXXX XXXX provide written acknowledgement of my exempt income. I have other exemptions as well. Discover Card is put on notice that they were aware of my status BEFORE they sent XXXX XXXX XXXX to attack me, so Discover Card is responsible for any and all actions of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 
XXXX : XXXX, XXXX : XXXX, XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a XXXX XXXX XXXX account with XXXX XXXX opened on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX XXXX  Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( 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. 

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Mortgage

Hello, i have a home loan ( mortgage ) thru ditech which i have paid on time all the time I have had it ; onXX/XX/XXXX, i received a call from " XXXX '' at Ditech stating I was behind on XX/XX/XXXXorXX/XX/XXXX Payment and instead of the usual {$780.00} I owed, the total was now over {$1000.00}! This happened also inXX/XX/XXXX when Ditech erroneously credited a different account my payment, then claimed I was late on that XX/XX/XXXX payment, after which they later sent a letter stating they were in error and had to credit my account and waived the late fee. plus they told me a different payment amount ( XX/XX/XXXX ).
Being in a protected class ( I am XXXX ) and having all my cancelled checks of this years mortgage payments in my possession, I contacted the mortgage company several times who said they were " looking into it ''. However, instead of investigating beforehand, they have added a slur on my credit report stating i was late, which is totally false.
I will also contact my attorney general about this problem/ below find attached the erroneous credit report. Also I can send copies of the cancelled checks that were all made on time.
This company 's bookkeeping and accounting practices are a disgrace!
Product: Checking or savings account

My Credit Karma acct on XX/XX/2024 thru XX/XX/2024 was attacked and approx XXXX XXXX was removed through fraudulant means.

Money has been return to account however, I am unable to have funds released to me. Credit Karma continues to not answer my emails and avoids me.

I can only take daily cash amounts of {$500.00}.

I need the account corrected to allow me to transfer that amount to my XXXX  account. 
No response from Credit Karma from my last email on XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting inaccurate information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Inquiry Date XXXX
Product: Credit card or prepaid card

I received multiple mailers and emails and messages in my established Capital One account saying I was eligible and qualified for a {$200.00} cash back bonus if I applied for their savor XXXX card. I made my decision to get the card based on this because money has not been very good the last few years and I figured I would increase my credit limit and also get some actual money back. It definitely advertised I would get the {$200.00} and I was given no warning it did not apply to me when they approved me for the card and no chance to decline the offer based on this. I needed to spend {$500.00} within the first three months of having the card and I did so. After 3 months went by and I did not receive the {$200.00} I had to call an email multiple times and finally I received an answer saying it was not included in my agreement and I agreed to it. I think it's really difficult to sift through all the fine print and notice something missing or something stating you're not getting something for the average credit card user who is not a lawyer. I think this is a bait and switch tactic and when I got on the call with the rewards center the guy told me he gets a lot of calls about this and so I said don't you guys think it's an issue if a lot of card holders are saying the same thing? And he agreed with me and he said he would forward the transcript but still I did not receive the cash back. No way to escalate it beyond them and no way to speak to a manager because of their arbitrary rules designed to make it difficult to hold them accountable for their false advertising. It just really seems like a bait and switch and false advertising. It said I was getting the bonus It seemed very clear I was getting it and then they did not warn me I would not be getting it and give me an opportunity to decline the offer. I think there should be some way too hold them accountable as right now I feel like there's not much else I am able to do.