23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Dear Experian, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by, The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentially Under 15 USC 1681. I have asked you to remove all of my old address off my credit report and phone numbers which of as XX/XX/XXXX you stated that you did an re-investigation and that each collection verified my accounts and pay history, I have contacted the local police department here in XXXX XXXX they stated never received any investigation or my friends or family, some address that are listed on my report, I never lived their so how could have you done investigation within ( 15 ) days. 
Under 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 an account without my written instructions.

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation.

15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}.

Account Name : XXXX XXXX XXXX  Account Number : XXXX  Balance : Closed Balance : {$8600.00} Account Name : XXXX XXXX XXXX
Product: Debt collection

I lived in XXXX XXXX Apartments at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I gave a proper two-month notice, and left according to the terms of my lease. On XX/XX/XXXX I received notice from my credit monitoring service that I had been turned over to collections regarding XXXX XXXX XXXX. I disputed this, and on XX/XX/XXXX XXXX completed their investigation and would not take the collection item from my account. 

XX/XX/XXXX I was notified by Hunter Warfield that they were trying to collect a debt for XXXX XXXX. I responded to them via certified mail on XX/XX/XXXX stating that I did not owe this debt. I have attached this as CORRESPONDENCE # 1. 

Their reply finally came on XX/XX/XXXX, and I have attached this as CORRESPONDENCE # 2. 

Also, XX/XX/XXXX I received similar debt correspondence from the firm of XXXX XXXX XXXX XXXX XXXX. I replied to them via their provided fax number on XX/XX/XXXX asking for backup for the debt they claimed I owed. I have attached this as CORRESPONDENCE # 3. 

I never received an answer from XXXX XXXX XXXX XXXX XXXX, but starting XX/XX/XXXX I have been receiving sporadic resolution offers from Hunter Warfield trying to collect a debt from me from XXXX XXXX or XXXX XXXX, depending on the month apparently. I have attached this as CORRESPONDENCE # 4. 

As you can see from all the documents back and forth I have repeatedly asked for proof that I owe this debt. I asked numerous times for backup documentation that I owe thousands of dollars in damages, and just keep getting the same runaround.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

OFFICE OF THE ATTY GEN 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 am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

There is a tax lien that was paid off BEFORE it was put on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems won't remove me from the report. They keep saying is the different credit agancies but they keep reporting me
Product: Credit card

I reported charges made on my citibank card as fraudulent. There were purchases made as well as balance transfers that I did not make or authorize. Citibank would not remove the charges. I refused to make payments on these charges and eventually closed my accounts. After 6 months I finally managed to get ciitibank to write off the charges. Unfortunately the reported and contine to report 6 missed payments to the credit reporting companies. I've spent countless hours on the phone with citibank and I can not get them to remove this from reports. This has lowered my credit score from good to in the low fair range.
Product: Credit reporting or other personal consumer reports

Online disputing : XXXX Dispute : According to XXXX XXXX Transunion 1997, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ).
Product: Credit reporting or other personal consumer reports

The company Essex Mortgage created a subsidiary Named Data Mortgage DBA Essex Mortgage. I miss the mail notification. My payments are taken out automatically from my bank. I have nave been late on payments. My payments continue to go to the same address. They changed there address twice cause my late payment, Then they changed the amount on my mortgage payment so that when I did get new address and resubmitted payment to new address they said the would report me again for XXXX because a {$500.00} underpayment and due to they do not except partial payments. I asked them to remove the delinquent report on my credit but they refused even though I read a a law that gives home owners 60 days before they can report when such a change had been made.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these Vantage 3.0, XXXX XXXX XXXX FICO XXXX XXXX XXXX XXXX  XXXX, Auto lending score 8 and 2, Mortgage lending no FICO information been reported. Failing that, the unauthorized FICO information must be deleted from the report as soon as possible : The listed FICO report is inaccurate were without authorization, and no legitimate business purposes. As such,
Product: Debt collection

XXXX has an open account that I did not sign up for credit with. They used themselves as a default payment when I used another payment method. XXXX auto used subscription I did not authorize after canceling subscription. XXXX listed itself as different names and I had no idea who the debt Iwas actually acused of owing. XXXX sold my debt to at least XXXX company I know of, Portfolio Recovery LLC, now sueing me without prior attempts to contact me. I was served when I was not home and a contractor was at the home. They left it on the porch as XXXX XXXX. I replied to the Answer of the complaint filed against me. I also filed timely during discovery and sent my admissions on time to them and the court. I have email and USPS proof of delivery and date. Portfolio Recovery LLC claimed the lawyer representing them never recieved it and filing to get a default judgement. They have now switch the lawyer. None of this seems legal or makes sense. Especially when I have proof of payment for the few items they listed in discovery. Luckly I have my XXXX receipts with payments through the cards I used. But XXXX claims I never paid it and has it as a a balance owed with the account open even after selling the debt that isn't real. I do not know how to fight this corruption and fraud in court. I also do not have the time or resources. Every time I try the file something new making it hard to respond to motions. They are using the system to get default judgements illegally under the same format that your company sued and won in 2015. I have no idea what to do and it is ruining my life and making work impossible. Causing extreme emotional stress and loss of time. I am an only parent single father. This seems like abuse of power when I never even had a credit account with them but they created one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today. I have multiple credit cards being reported to my credit that I did not request, have in my possession, nor authorize.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX committed fraud, i reported that they have tried open up other accounts in my name, i want this account taking off my credit report, this credit cars is not mine and they are reporting this account is being closed i use to be a customer of XXXX XXXX XXXX XXXX until they started using my information to open other accounts in my name, please delete this account and block it ftom my credit report, im filing this complaint to give to all credit bureaus i am a victim of identity theft, please remove this account off my credit report, this account is fraudulent. XXXX XXXX XXXX XXXX has stolen my information and used to open this account, please remove this asap thank you .im also going to send a copy of a data breach showing my information was also leaked and this is how XXXX XXXX XXXX XXXX had gotten my information.
Product: Checking or savings account

I was recently charged by a debt collection company that I made no payment arrangement with on XX/XX/XXXX. This company, apparently purchased my debt from the first debt collection company. I firmly believe the first company passed along my bank account information to this company to just collect without my consent. The second company who charged me would always send me text messages about convenient payment options and discounts. They would text to get me to respond to take care of the matter. All well and good. However, I never responded due to the fact that I have been struggling financially. I want to pay all my debt back, but can not afford to living paycheck to paycheck. The reason I am filing this complaint is because I am deeply upset that they never effectively communicated with me via email, phone, voicemail, mail, text, etc. It appears they just went ahead to take money from my bank account. I did not speak with anyone from this company by phone nor communicated with them in any way. However, let 's say that I did and happened to have forgotten, I would think they would send me a friendly remainder explaining that I had an upcoming payment. I received no such thing, because I as previously mentioned, they kept sending me automated text for me to set up an arrangement. I never gave them a response. And unbeknownst me, they did what they did on XX/XX/XXXX as result. To conclude, I have closed that XXXX XXXX  account so no other funds shall be withdrawn.
Product: Debt collection

Medical debt. Whenever I ask for information about the debt I am not provided/ or the " debt '' is shuffled to another collection agency. I have no idea what this is about nor have I received any info that correlates to this company or this amount. Of course this " company '' has no way to be contacted
Product: Bank account or service

TD Bank debited my account {$50.00} for check # XXXX that was written for {$20.00} I have contacted customer service three times since XX/XX/XXXX and was advised it was going to be taken care of and to date it still has not been taken care of
Product: Debt collection

This debt collector employed prohibited practices under the FDCPA, including abuse, deception, and unfairness. They provided information on an account without agreement or signed contract from my side, violating the basic requirement of a legal contract involving two parties ' consent. Additionally, they failed to adhere to the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, each violation entitles me to {$1000.00}, indicating clear infringement of my rights. 
Please be advised that the debt collector are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. 

Accordingly, I am requesting that debt collector do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. 

Additionally any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried, unsuccessfully, for many years to get all three credit bureaus, XXXX, Experian and XXXX XXXX to eliminate false/fraudulent information off my credit report. I even paid lawyers to try to help, see attached. They stonewall, refuse to respond or simply will not remove the false information. They are paid by the companies, so they just keep it on, KNOWING it is fake, KNOWING they can not produce and legal documents showing the fake accounts are mine. I have tried in XX/XX/XXXX, XXXX and XX/XX/XXXX, again in XXXX of XXXX. Then in XXXX of XXXX and XXXX of XXXX. No matter how many letters i write, demands via attorney, proof I was hacked as part of a XXXX data breach, they will NOT remove the false information.
Product: Mortgage

I originally scheduled my closing for XX/XX/XXXX. Four days before, I was told that would n't be possible. I received an extension from the seller and scheduled closing for XX/XX/XXXX. Two hours before closing, I received a call saying the closing was n't cancelled. I was told my seller would be notified. They were n't. They contacted me to find out why the closing was cancelled. I 'm still trying to close on the house, but it 's looking doubtful at this point. I 'll likely need another extension from the seller. During this whole ordeal, my loan officer has uncommunicative for days at a time. He also repeatedly he would call me by a certain time, and I would n't hear from him again until days afterwards.
Product: Credit card or prepaid card

Synchrony Bank closed SIX credit card accounts ( some store cards, some general credit cards ) in XX/XX/2021 with no warning. The reason they gave in a letter in that I'm a high risk for fraud - because THEY GAVE ME CREDIT LINE INCREASES that they say shows I have a high probability to max out the cards and then not pay the bill. All but 2 cards had a XXXX balance. Additionally, I had rewards on 2 of those cards that I was saving up to use... and now I'm told I forfeit those rewards.
Product: Credit reporting or other personal consumer reports

This account was incorrect date of open. Since then, the account has reported inaccurate date open to all three-credit bureau. This inaccurate information falsely manipulates the statute of limitations you fail to investigate this account properly after I asked you to do it Twice and your neglect has violated my right. I am requesting this account to be deleted the following account : XXXX Account Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed here MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. This is supporting fraud. Accounts : XXXX XXXX XXXX XX/XX/XXXX {$710.00}, XXXX XXXX XXXX XX/XX/XXXX {$890.00}, XXXX XXXX XXXX   XX/XX/XXXX {$240.00}, XXXX XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}, XXXX XXXX XXXX XX/XX/XXXX {$690.00}, XXXX XXXX XXXX XX/XX/XXXX {$220.00}, XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$27.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00}. Inquires : XXXX XXXX, XXXX-XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 XX/XX/year> 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 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

dealing with my bank on a new line of credit. they received a negative credit report. when contacting credit reporting company I was referred to another site for a free report, the problem the response would take up to 2 weeks. and due to the time constraints placed on me by the bank, that was n't going to work. my only option was to be come a member of that credit agency. 
after paying the fees, what I got was a report with only numbers. no company names or contact phone numbers. I called the credit agency 4 times trying correct this problem to no avail.during this time I had purchased {$1.00} seven day service. to get a corrected report it cost {$29.00}, and still did n't get a corrected report they also have a 7 day cancellation. I canceled within 3 days. I was sent an email from this company asking if I really wanted cancel. meantime I received a letter from the bank I was working with telling me my line of credit was denied because of the negative credit report. they gave me an XXXX number if I wanted to see the information the credit agency had gathered. I call the number gave them all the information they requested. 2 days later I got a letter from this company claiming the information I had given then on phone was not correct and had to submit additional paper and pay a {$10.00} fee. I was certain I saw a credit on the visa web site from this agency. checked the same visa web site the credit was gone. called visa, the rep I spoke to said she could get this company on the call and we could work this issue out. the person from the the credit agency said she could not refund my money that a supervisor would need to do that, told her, fine put your supervisor on the line. in the transfer process naturally I was disconnected. trying to get a credit report from this agency at best is horrific and worst a nightmare. I do n't have any documentation to backup my story, because when I thought I saw the credit on the vise site from this agency I deleted all the emails
Product: Checking or savings account

Citibank claims nothing is owed to me and XXXX XXXX  its due to fraud is the reason why they cant release any funds to me and or my partner. Thats laughable and false. 

Me and partner since I have been with XXXX XXXX  and we dont have any issues with them. 
We just want clarification and clarity on this matter because its an ongoing issue and its been very difficult and frustrating to be called a fraud and treated as such. We sent documentation and affidavits and still nothing.