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

I'm grateful that you made the effort to remove some of the records from my file that you said were obtained through identity theft, but I still need to remove a few more. According to FCRA section 605 of the law, any goods that were recognized on an ID THEFT REPORT were to be taken away. This report was previously attached to a letter, so I'm including it once more. My lawyer has been informed of my intentions, and they are eager to hold you accountable for your willful disregard for the law. 
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 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
Product: Debt collection

Ive been filing disputes for months abt this unauthorized fraudulent account. I received an email alert from XXXX credit that said my email and social had been detected on the dark web. Later that day I changed most of my passwords due to this being the 2nd time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. I have reason to believe either and old neighbor or relative opened this account without my permission for years. This account was sold to collections which is further damaging my credit score
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 XXXXXXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX : XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX  XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I made a purchase on XX/XX/XXXX for {$59.00} The closing date on by account is the XXXX of the month and the payment due date is the XXXX of the following month. 
This purchase was the only transaction and amount due on my statement. So, {$59.00} was due on XX/XX/XXXX. 
I returned the item on XX/XX/XXXX. This was well in advance of my payment due date, so I did not make a payment on XX/XX/XXXX as my remaining statement balance was XXXX. 
I was assessed a late fee of {$29.00} on XX/XX/XXXX. 
I called Macy 's to ask why I was charged a late fee when the item was returned well in advance of the payment date. I was told it does not count towards my account balance until the billing cycle has ended. In other words, I returned the merchandise, they have it back, but they won't actually credit the return to my account until the next statement closes. 
I did call Macy 's and after about XXXX minutes to explain the situation. They adjusted the charge but couldn't answer my questions about if this was a legal practice and how I could file a complaint as a consumer. 
This seems like an unfair and dishonest billing practice. Every credit card I have shows a " remaining balance '' when you go to make a payment. Some people live paycheck to paycheck and count on receiving their money when they return something. Why should they still be expected to pay for something they no longer have/own. I can see if the account take XXXX or XXXX business days to update, but in my case we're talking XXXX business days ( 16 days total ). Is this legal for them to conduct business this way? Does this go against my credit as a late payment, thereby affecting my credit score? 

I would appreciate a response. Thank you. 

XXXX XXXX I tried to upload a copy of my account statement and my return receipt. The upload was not working. I can provide in by email if required and contacted.
Product: Debt collection

I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for failing to conduct a proper investigation into my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax repeatedly responds within 24 hours, asserting the account 's accuracy without providing any evidence of a thorough review.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as noted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar infractions.

I urge the CFPB to take action to ensure Equifax complies with federal law and provides consumers with proper proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a XXXX document to Experian, XXXX and XXXX but have heard back after following up with all three bureaus via email and phone
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I never gave any of these companies to use or run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account and i have not conducted any business with the creditor
Product: Debt collection

XXXX XXXX XXXX apparently took over my debt owed the XXXX through XXXX. I am currently enrolled in a debt consolidation program due to financial hardship/unforeseeable life circumstances. The collection agency has been harassing my family member ( s ) and providing privileged information to them about a debt i owe. According to Fair Debt Collection Practices Act ( FDCPA ), the collection agency violated several rights of mine. They texted/called my father multiple times in a harassing manner, they identified themselves as a debt collector and they disclosed personal details of my debt to my family members. 

I have several screenshots proving this violation of my rights and the harassment of my family. The most recent harassment/violation occurred today XX/XX/year> at XXXX XXXX. I contacted the company themselves and told them that they violated my rights and that i would press harassment charges if they continue to harass my family.
Product: Mortgage

Due to the circumstances that are fairly attributed to the actions of GMFS in a XX/XX/2018 Pre-Foreclosure Sale, we were legally entitled to {$81000.00} in insurance proceeds according to FHA Handbook guidelines. Furthermore, GMFS was left ineligible for mortgage insurance claims with the FHA to mitigate their losses on a damaged house. Therefore, we believe GMFS engaged in fraudulent means to circumvent compliance with FHA/HUD policies and accurate reporting to credit bureaus in order to recoup their losses with disaster related insurance funds by not releasing those fund to us. If GMFS was justly entitled to those funds due to our fault in the matter, there would be no need to avoid the transparency of due process through legal action against us to recoup the funds after releasing the funds to us to be in compliance with FHA/HUD policies, and even avoid committing disaster related fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Notice of Dispute for Charge-Offs Dear TransUnion, I am writing to formally dispute three charge-offs listed on my credit report that have been verified through both a provisional investigation and a reinvestigation. Despite these processes, the items in question remain marked as verified, which I believe is inaccurate and unjust. 
The charge-offs I am disputing are as follows : XXXX # XXXX Last reported are inaccurate see exhibit ( A ) Delete this account for inaccurate reporting. 
XXXX XXXX # XXXX Date last active is inaccurate see exhibit ( B ) Delete this account for inaccurate reporting. 
XXXX XXXXXXXX # XXXX Date last active is inaccurate see exhibit ( C ) Delete this account for inaccurate reporting. 
I assert that TransUnion has not fulfilled its obligation to conduct a fair and accurate investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). The repeated verification of these accounts without adequate consideration of the supporting evidence I provided is unacceptable. 
It is my understanding that as a credit reporting agency, TransUnion is required to ensure the accuracy of the information it reports. The failure to take appropriate action on my dispute demonstrates a lack of diligence in your responsibilities. 
I kindly request that you delete the above referenced accounts, immediately. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report
Product: Mortgage

I have been scammed by Loancare LLC. They are not processing my loan payments properly, and applying it to my account.

Loancare LLC took over my loan in 2016, and it was never late and perfect. 

They have manipulated the accounting and then ir leaves the escrow accounts short and then payments are held in suspense without notification to the consumer, leaving me behind on my payments. 
I was trying to payoff the loan, but I have been given the runaround and I can not get any help from anyone on where to send the money, before they STEAL my home in the foreclosure process. 
As of today, I had to sell my home, all the signatures are in place, but my lender will not give me a payoff to the escrow officer and  it is has ruined my credit and my income, because I lost my rental income, because of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6500.00} XXXX XXXX & XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I started a claim for incorrect entries on my credit report and requested that information be researched and once researched to remove from my credit. When I received the updated report it had XXXX accounts on my credit that was not mine.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I officially informed the agency via certified mail of my status as a victim of identity theft. Despite this notification, as of the current date specified here XX/XX/2024, the agency persists in maintaining transactions in their records that originated from the fraudulent activity. According to Section 605B of the Fair Credit Reporting Act, consumer reporting agencies must alert the entities supplying information about potential identity theft when an identity theft report is presented. I provided the necessary FTC reports along with a requested block of this questionable information. Once notified, per Section 623 ( a ) ( 6 ), these furnishers are obligated to cease reporting any data identified by the consumer as arising from identity theft within four business days of receiving : Adequate proof of the consumer 's identity ; A copy of the identity theft report ; Consumer identification of the disputed information ; and A consumer statement affirming the information is not linked to any transactions they conducted.

Despite fulfilling these four criteria and attaching them to this complaint, the agency has not complied with FCRA 15 U.S. Code 1681c2, which mandates blocking such information within the specified time frame. This oversight constitutes a legal breach, exposing the agency to potential civil liabilities for damages I incurred due to this noncompliance, as outlined under 15 U.S. Code 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a paid off debt from XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXX was Paid off a long time ago XX/XX/XXXX- XX/XX/XXXX. Acct # XXXX XXXX XXXX XXXX began reporting XX/XX/XXXX that I still owed XXXX  XXXX ... Acct # XXXX. 

I reported to Experian that this is incorrect and asked for an investigation. Experian disputed said debt and claimed that it is resolved and I disagree. This is still on my credit report showing as I owe {$450.00}. 

XXXX XXXX XXXX and Experian will not return any evidence showing validity of debt or why in XXXX this is being reported when debt was PAID in XXXX. 

I have uploaded statements and proof of debt being PAID and neither company will fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

please make sure this trade is removed from ALL CRAs. I received notification this was added on my TransUnion report after you stated you sent a record of deletion. Please provide the deletion ID number for reference. See your response below : We have followed our fraud/identity theft policy and have n't had any further communication with the consumer. No future follow up is planned. Our fraud/identity theft policy is once we have been notified of this that we try to obtain a police report from the consumer to provide to our client. We immediately stop all collection efforts and send a record for deletion to all three credit reporting agencies. This deletion will be sent on XXXX/XXXX/XXXX. Please allow 30 days for the credit reporting agencies to update their records. Then we close and return the account to our client for them to further investigate the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts inwhich the following accounts do not belong to me nor do I have any knowledge of them. I'm asking for these accounts to be blocked, XXXX XXXX XXXX, {$1100.00}, {$500.00}, {$100.00}, and XXXX XXXX {$2300.00}.
Product: Debt collection

On XX/XX/2017 a card was opened with Capital One and i did not authorize them to do so i had no knowledge of this account until i checked my credit report i reached out to the creditors as well nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX, XXXX Account # XXXX, XXXX Account # 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
Product: Debt collection

I am willing to settle the debt at {$10000.00} under a 24 month payment plan of {$430.00} per month beginning on XXXX XXXX, 2016. I have been paying {$250.00} per month for the past 14 months. Navient had previously offered to settle at {$15000.00}.
Product: Credit reporting or other personal consumer reports

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

There has been information published on a consumer report that I never gave either company ( XXXX, XXXX  & Experian ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with Experian. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. 
The companies in question for the alleged debt are as follows : 1 ) XXXX XXXX XXXX XXXX ( Invitation Homes ) 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX  ( Reinserted into Experian )
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised by a number of sources, but the main reason is the lost of my wallet. This lead to being a victim of the dark web as well as being caught in the Equifax breach. Now the result of all this is unknown and fraudulent accounts appearing and reporting on my credit file. I'm demanding these accounts to be removed immediately. 

1 ) XXXX XXXX  {$110.00} 2 ) XXXX XXXX  {$160.00} 3 ) XXXX XXXX   {$310.00} 4 ) XXXX XXXX {$730.00} 5 ) XXXX XXXX {$60.00} 6 ) XXXX {$1000.00} 7 ) XXXX XXXX XXXX {$300.00} 8 ) XXXX XXXX {$790.00} 9 ) XXXX XXXX {$790.00} 10 ) XXXX XXXX XXXX {$300.00} 11 ) XXXX XXXX XXXX   {$300.00} 12 ) XXXX XXXX {$790.00} 13 ) XXXX XXXX {$500.00} 14 ) XXXX XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

This bank needs to be reported to FTC for their unlawful practices. Both credit card accounts were both charged off and written off in XXXX. I have never signed or agreed to any payment plans. They have unlawfully extended the statute of limitations by another 7 years violating FCRA. How is this even possible? It is blatant retaliation by reporting their IRS fraud of not sending me 1099C and not declaring funds they seized from my account, including my mortgage payments. The accounts were already charged off and written off in XXXX. It is NOT possible for them to claim late payments and a new charge off on accounts they already charged off. This is FRAUD they must be reported immediately to FTC and NCUA