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 Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Payday loan, title loan, personal loan, or advance loan

This is regarding ACIMA Holdings, LLC and ACIMA Digital, LLC ( collectively, known as ACIMA ). 
ACIMA offered me loan to purchase furniture at two locations in Maryland. The loan was presented to me at the point of purchase in stores as credit. 
The first loan / furniture value is {$3000.00}. It was issued on XX/XX/XXXX. As of today, I paid {$3800.00}. The unpaid amount on the account is {$4100.00}. This is over XXXX percent interest of principal. 

The second loan / furniture value is {$3200.00}. It was issued on XX/XX/XXXX. As of today, I paid {$3600.00}. The unpaid amount on the account is approximately {$4000.00}. This is over XXXX percent interest of principal. 
After paying over XXXX percent of the loan amount I realized that ACIMA consider that the agreement was a lease. Briefly, I am seeking help because ACIMAs purported leases were presented to me as credit. The merchants who are associated with ACIMA provided to me misleading statement regarding the nature and terms of loan agreements which affected my understanding of the terms and conditions of those agreements. Consequently, misrepresentation of loan agreement by the ACIMA associates effectively locked me into these high-cost financing arrangements by making it difficult to settle the loan even though I paid over XXXX percent of the loan amount. 
On XX/XX/XXXX, I contacted ACIMA customer service to discuss my options to resolve/ settle these loan accounts because I have already paid more than the value of furniture / loan. In addition, on XX/XX/XXXX, I emailed ACIMA customer service to request to settle the loan. However, my request was unsuccessfully. 
I am kindly request your assistance to resolve this debit trap that significantly affects my family wellbeing.
Product: Debt collection

Previously Submitted COMPLAINT XXXX to the CFPB on XX/XX/XXXX asking CFPB XXXX Notice for validation of debts Company 's Response Closed with explanation The FDCPA required validation notice was sent on XX/XX/XXXX. 

Did not receive this FDCPA validation notice that you claim you scented to me on XX/XX/XXXX. Could you please upload it into the CFPB Database so i can review it? and send me a copy by certified mail. 

Also I attach a copy asking for Validation of the debt through USPS CERTIFIED MAIL. 

Thank you
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX 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. 


EXPERIAN 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 or other personal consumer reports

I am writing to formally dispute information on my credit report regarding accounts reported XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccuracies or incomplete information appearing on my credit report, and I am requesting an immediate investigation into these accounts. 
Under 15 U.S.C. 1681 of the FCRA, I request that these inaccuracies be investigated, and if the data can not be verified or corrected within 30 days of receiving this dispute, the information must be removed from my credit report. 
Section 15 U.S.C. 1666 ( b ) Additionally, under 15 U.S.C. 1666 ( b ), I also request that any incorrect payment information or reporting practices that violate this statute be thoroughly reviewed and rectified, particularly with regard to any credit report entries that are based on billing errors or inaccurate reporting practices. 

I have enclosed a copy of my credit report with the disputed accounts highlighted, along with any supporting documents I have regarding these accounts. Please conduct a thorough investigation, and if you can not substantiate the information, I request that these accounts be immediately removed from my credit history. 

Please confirm receipt of this dispute and notify me of the results of your investigation within 30 days as required by law. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

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

Went to XXXX dealership to inquire about a vehicle, I authorized them to only do a hard pull once to see if I qualified to get a vehicle financed through the dealership only. The date of this was XX/XX/2021. I have already tried to reach out to the credit bureaus and they told me that they could not do anything because it was not illegal. 

Company name - XXXX XXXX XXXX address - XXXX XXXX XXXX, XXXX, NC XXXX Company contact - XXXX ) XXXX Inquiries that I did not authorize on my report are listed as Date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/2021 XXXX XXXXXXXX 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: Credit card

Take a look at the attached documents. I request the bureau to launch an investigation into the accounts that are erroneously reporting late payments on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX//2015 a balance of {$9900.00} from XXXX XXXX XXXX XXXX. appeared on my transunion credit report.I am challenging Transunion to verify this account Per section 609 of the Fair Credit Reporting Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA place the burden upon the credit bureaus and creditors to provide the credit bureau a co [ y of the original creditors documentation, Whatever I filled out and signed upon opening the account with the reporting creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the accounts on the attached file are from XX/XX/2015and I have written to all the credit reporting agencies and they ignore me. 
It is not legal to show a charge off/write off and STILL show a balance due. It has to be one or the other. 
This has destroyed my credit and I have reached out to all of them, yet to no avail. I have been turned down for a mortgage because of this. 
I would appreciate any help you may offer!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are reporting the account listed as XXXX account number XXXX incorrectly. There are several inconsistencies within the account that means they have not done a reasonable investigation into this account. 

Account Status : Derogatory Derogatory Closed Date Opened : XXXX XXXX XXXX Balance : {$450.00} {$0.00} {$0.00} High Credit : {$740.00} {$740.00} {$0.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$450.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Unknown Last Reported : XXXX XXXX XXXX Date Last Active : XXXX XXXX XXXX Date of Last Payment XXXX XXXX XXXX
Product: Mortgage

I submitted a request in writing to Green Tree Lending on XXXX XXXX for a home appraisal to be done to drop the monthly PMI insurance payments from my loan. The loan to value ratio of my home is below 80 % which per my mortgage contract affords me the right with an appraisal to drop the payment. Green Tree Lending scheduled an appraiser and they performed the appraisal on XXXX XXXX. It is now well over a month past when the appraisal was done and they can not provide me any information on the status of the appraisal and they are continuing to charge PMI despite me having the appraisal done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of XXXX and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the XXXX of a XXXX individual as documented in XXXX reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( XXXX ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 


Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX ( XXXX ) XXXX The account was charged off in XX/XX/XXXX. My XXXX and XXXX credit report is showing for the last 5 years ( EVERY MONTH ) that I have been delinquent. It also shows that I made a payment in XX/XX/XXXX which is simply not true. I have disputed this account multiple times and it was removed once, only to reappear two months later. I get a run around everytime I call XXXX XXXX XXXX to try to straighten this out. I have also paid taxes on the charged off amount in XXXX. Can someone please investigate this and have this removed from my credit report? 

Thank you for your time.
Product: Debt collection

On XX/XX/2019 my partner and I attended a XXXX timeshare presentation in XXXX XXXX Nevada. I later found out that my signature had been forged to open a trial vacation club package. The forged signature was attached to a authorization of sale in the amount of {$3100.00}. I did not authorize this transaction.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds with 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore I am requesting XXXX to show necessary proof of investigation.
Product: Credit card or prepaid card

American Express debited my bank account for payment twice for the same amount. XXXX for {$19000.00} and XXXX for the same amount. After XXXX, statement had XXXX balance. I called American Express on XXXX at XXXX and spoke with XXXX. She admitted their was a glitch. She first said I had to have a paper check that would take 10 days to arrive. I said no, wire me the funds back. I gave my bank account info to her. I also opened a dispute with my bank, XXXX. I called American Express today XXXX at XXXX, put on with XXXX in the call center. No wire transfer started, stated it would take 3-5 business days. I have no money in my bank account. I have NSF fees adding up from my bank and I cant buy groceries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  account should be closed after 7 years. 

XXXX and XXXX have closed XXXX XXXX. This is 7 year old account. Additionally, the account has been reported as fraud. The account information is not correct. The Florida address does not belong to me. 

XXXX XXXX is providing equifax with falsified information. They are misrepresenting my information. XXXX XXXXXXXX XXXX is not accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acct # XXXX {$27000.00} reporting late illegal information on credit report. XXXX. acct # XXXX XXXXXXXX XXXX  a balance that was paid by myself on XX/XX/2023 in the amount of {$110.00} and it showed up on my credit report. XXXX. acct # XXXX XXXX amount {$940.00} reporting information illegally. XXXX acct # XXXX {$500.00} never applied for a card or ever had an account with this company XXXX acct # XXXX XXXX XXXX {$300.00} never had an account with this illegal reporting. XXXXXXXX XXXX  acct # XXXX wont give any information on the account. XXXX acct # XXXXXXXX XXXX  {$390.00} illegal reported. XXXX. XXXXXXXX XXXX XXXX. acct # XXXX illegal reporting. XXXX XXXX XXXX acct # XXXX never had a credit card with this company.
Product: Mortgage

I applied for & requested forbearance related to Covid-19. In XX/XX/2020 I requested an extension due to unemployment related to the COVID-19 pandemic. Rushmore states they offer forbearance in 90 day increments & that it is possible to request additional 90 days and that I would be contacted within 10 days regarding the matter. However, what I received next was a certified letter stating my home was in foreclosure with a sale date already set for XX/XX/2020. Thats one of my complaints. The other is my home was in foreclosure with a sale date of XX/XX/2020. But Rushmore cancelled/ withdrew that foreclosure/sale date then the pandemic hit & as I previously said I feel they put it into foreclosure wrongfully due to Cares Act and their forbearance policy related to Covid 19. But I also feel it was wrongfully put into foreclosure because they withdrew the foreclosure in XX/XX/2020 and I live in the state of Ga and according to XXXX. XXXX Ga code XXXX. XXXX the withdrawal should have reinstated the indebtedness on the terms & conditions existing prior to the acceleration and furthermore if they were to choose to foreclose at a later time there were certain rules they should have followed, certain notices I should have received & if I applied for forbearance I did not violate the contract or miss 120 days of payments which by law is the amount a mortgagor must be behind on before foreclosure process can begin. Thank you for your time and attention to this unjust matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX
Product: Mortgage

The home is in foreclosure. The past 4 months Nationstar was made aware that the property was in the process of being purchased/ sold to a new party, which is why numerous reinstatements and pay offices were being order on a monthly basis. The file is now in escrow and ready to close. Nationstar was made aware that the file was in escrow and was sent over all pertinent documents pertaining to the transaction Nationstar will be paid the full amount owed via this transaction but they are REFUSING to let the transaction be completed. We are asking for the sale to be postponed so the loan can be funded and Nationstar can received their payoff in full. We are simply asking for an additional 2 weeks to 30 days at the most.
There is no tangible reason why Nationstar should not postpone the sale date. At this point it is apparent Nationstar would rather foreclosure than assist in this process. The XXXX  feel as if they are being discriminated against based on race, ethnicity, national origin.
The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on home and fire selling them at auction to make a profit. It appears that Nationstarss lack of participation to complete this transaction of Homeowners file indicates a preference to profit directly from their hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request to tell you to remove the disputed items from my credit report. I believe they are fraudulent and do not belong on my credit report. 

Kindly remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a similar complaint about unfair and illegal practices. As usual the companys regurgitation of something being in litigation is a LIE! 
Ive in fact attempted to contact them on several occasions only to be hung up on and told that they cant talk to me. 
This has been going on XXXX years. 
But I have no contract with them, written nor verbal. So since they insist on violating my rights I will now most certainly hit them with a tort claim! This is not a threat, its a PROMISE! 
I only came here so that its openly documented the amount of times and violations. 
Most recently the company that does NOT have my consent to share my information continues to do so, even to the point of an account being under dispute for fraud & billing error dispute and BY LAW while AFFIRM is under dispute it is to be removed! 
So thats ANOTHER VIOLATION punishable under law by fines and other penalties. 
Thank you for your noncompliance.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent accounts were opened. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent accounts off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did NOT authorize : 1. The following account is NOT MINE : XXXX XXXX, Date opened : XX/XX/XXXX, account # XXXX XXXX. The following account is NOT MINE : XXXX XXXX, account # XXXX, Date opened : XX/XX/XXXX Please remove it from my credit report. 3. The following account is NOT MINE : XXXX XXXX, account # XXXX, Date opened : XX/XX/XXXX. Please remove it from my credit report. 4. XXXX XXXX, Date opened : XX/XX/XXXX, account # XXXX. Please remove it from my credit report. 5. XXXX XXXX XXXX, Date opened XX/XX/XXXX, account # XXXX. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Please also update the address on my consumer reports and name. My ONLY ADDRESS AND NAME that should be showing on my reports is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my only name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX Balance {$55.00} XXXX XXXX Balance {$450.00} XXXX XXXXXXXX Balance {$0.00} - XXXX XXXX XXXXXXXX Balance {$680.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXXXXXX Balance {$1200.00} XXXXXXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXXXXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX {$110.00} XXXX XXXX XXXX XXXXXXXX {$68.00} XXXX XXXX XXXXXXXX Balance {$180.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX Balance {$1800.00} XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THOSE INQUIRIES WERE NOT AUTHORIZED TO APPEAR ON MY CREDIT. I DID NOT GIVE THOSE COMPANIES ANY AUTHORIZATION TO RUN MY CREDIT. PLEASE HAVE THOSE EXCESSIVE INQUIRIES OFF MY REPORT.