23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 Servicer XXXX XXXX XXXX sent me another fake PayOff Statement on XXXX XXXX, unsigned and without any references to my alleged creditor On XX/XX/2022 Servicer XXXX XXXX XXXX and their robo-signer XXXX XXXX XXXX XXXX a scanned copy of my Note, which was obtained from some third party sources via XXXX, most likely from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Note does not have any endorsements at all, so its unclear to me which relationship has XXXX to my Note ; how XXXX obtained my Note ( if they did ) and from whom XXXX obtained my Note, with the date when my Note was obtained and from whom it was obtained, with the name of an individual who transferred my Note. 

According to XXXX website, the current investor is XXXX XXXX who XXXX confirmed that they have no records about my transaction with XXXX or XXXX XXXX servicing activities. 

This letter was accompanied by unnamed XXXX while its unclear which relationship have these financials to XXXX. Yet, these Financials claimed some Title fees {$300.00} on XX/XX/2022, while I am not aware about any of these charges and who posted them, I demand a legitimate PayOff statement, with full name and mailing address of my alleged Creditor and wet-ink signed by an authorized XXXX of my alleged Creditor. 
I demand explanations which relationship has XXXX to my Note ; how XXXX obtained an access to my Note ; when XXXX obtained access to my Note and from whom. State names of all individuals who were involved. 
I demand a copy of Title documents for which XXXX claimed {$300.00} in charges on XX/XX/2022. 
As of Note inspection I dont want to speak with XXXX XXXX unless he is responsible for debits and credits on a loan account that exists on the books and records of the alleged Creditor. Is XXXX XXXX responsible for debits and credits on a loan account which exists on the books and records of my alleged creditor?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Letter was sent to BMW Financial Services, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, in 2022 in an effort to remove late payments from my account. I was sick with XXXX and fell behind due to not working at the time and they did not provide grace and remove late payments.
Product: Credit reporting or other personal consumer reports

Dispute Department- 15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of 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 the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately. These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft.Under Section 1681 ( G ) and 15 U.S. Code 1666b - Timing of payments.Please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate or incomplete. I respectfully request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with an updated report once the dispute has been resolved. 


As a consumer, I am demanding the deletion of the account below. I have not received a 1099c form for the following accounts that are reporting profit loss and charged off. I would like to see compensation as I have disputed this numerous times and my rights have been ignored. THIS IS FRAUD XXXX XXXX {$15000.00} reporting charge off 60-89 days late profit and loss write off XXXX {$32000.00} inaccurate, reporting charge off 90-119 days late paid profit and loss XXXX XXXX XXXX  reporting 30-59 days late reflects 100 % payments made ontime remove 30-59 days late XXXX reporting charge off 60-89 days late, paid profit and loss XXXX- {$500.00} reporting charge off 120 days late, paid profit and loss As a consumer, I am demanding the deletion of the accounts below. Please remove all inquiries which I did not authorize or give consent : Hard inquiries please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My wife and I are in the process of buying a home and when doing a credit check for a Mortgage we were denied. The representative then referred us to a credit advisor who told us much to our surprise that the biggest thing holding us back was a {$120.00} XXXX ( the cell phone co. ) bill now in collections. I say surprise because when we left XXXX in early XX/XX/2017 we thought everything was settled, we even had verbal confirmation from one of their store reps that everything was up to date and good. This apparently was not the case. Not only did we have no idea of this debt, we did not receive any information from XXXX or a collections agency. Honestly if it wasnt for the advisor we probably would have never known how damaging this was to my credit. With all that being said I do want to make good on my debts. So I contacted XXXX and told them I want to get them off my credit report and to give me the figure to make them disappear, which was the amount said earlier. XXXX told me if payed in full that it would be deleted from my credit report. I was then told by XXXX to contact the collections agency handling this case. While discussing this issue with the collections rep I was told that it would not be deleted, that the best they could do is report the debt as been paid in full. Something about that just did sit well on my mind. So without paying I called my credit advisor to tell them this scenario. They said with us not even knowing about this debt, not receiving any information from collections, and the denial of deleting this from my credit report, to file a complaint and dispute this case. Which is where Im at now. I am willing to pay any and all debts I owe, but under these circumstances I dont believe this particular debt should be on my report. 

Account information XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Acct # XXXX
Product: Mortgage

Bank of America placed my home loan into foreclosure after i explained to them last XXXX i was laid off permanently from my job and needed forebearance through the CARES ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I was involved in the Equifax security breach which included a change in my birthdate and some inquiries that do not belong to me at all, I called Equifax and they told me what to send it to change information, I sent in all the required information via fax just like they ask and I received a response back that they were going to update my information and remove the inquiries I ask to be removed this was back in XX/XX/XXXX. I recently viewed a completely updated copy of my credit report that was supposed to be updated from XX/XX/XXXX and it is not updated. I called Equifax yet again and they refuse to budge on removing the information and are requiring another copy of the same information I paid {$26.00} to have sent to them. I was not informed at all of the breach in my information, I found out when I got denied a loan that this was what was wrong with my Equifax report. I have called several times and can not get any headway with them at all, and I am not paying another {$26.00} to send them certified mail again when it was already supposed to be changed and I received the paperwork to have it changed. This is ridiculous. Because of Equifax this is having a negative impact on all 3 of the bureaus reports. I am upset they did not inform me my information was corrupted and that I had to find out on my own, and now they are refusing to budge and change the information to the correct information and remove the improper inquiries off my account!
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX I received my updated credit report from XXXX. I have noticed that an account is in FACT reporting late payment. On a account that was CLOSED 6 months ago PAID IN FULL. This account is reporting on my Equifax report as late for XX/XX/XXXX. This is a DIRECT VIOLATION of 15 USC 1681e ( b ). A violation of 15 USC 1681 s-2 ( a ) & ( b ). A violation of USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). Equifax has reported inaccurate errors with actual knowledge. Equifax has also reported inaccurate errors AFTER proof/notice and confirmation of errors. I have attached solid proof that XXXX XXXX XXXX XXXX XXXX and Equifax are reporting late payments. That is on a CLOSED Paid in full Account closed on XX/XX/XXXX. This is just unacceptable and down right wrong on every level. How does this make any sense. To still report on a account that has been closed for 6 months. Then 6 months later receives a late payment on something that shouldn't even be reported on. I have spoke directly with the XXXX XXXX personnel in response to this 6 month problem. I was told that there isn't any DELINQUENT account reporting to Equifax or XXXX. That the account was closed and paid in full. See the attachments letters in regards to that situation. The only resolution to this is to DELETE this account IMMEDIATELY. I am now forced to seek a consumer attorney and file a lawsuit against Equifax and XXXX. If this account isn't DELETED from my Equifax and XXXX credit profiles. I've attached solid and direct proof to my complaint so you all can see.
Product: Credit reporting or other personal consumer reports

Ive tried contacting this company several times through Mail and CFPB and I think it rectified they say theyve done a full of investigation and put the same numbers on my credit report and say its updated
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX**** Balance Owed : {$18.00} WFC XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Hello. My wife and I are currently applying for new auto insurance as we've had a lot of ongoing issues with XXXX these past few years, as evidenced by what has been reported to LexisNexis. I am a XXXX veteran with XXXX XXXX XXXX  and am having a lot of difficulty using their automated XXXX in an attempt to correct the misinformation provided to them by XXXX that is on our XXXX reports. On my XXXX  report, I have XXXX accidents listed ( XX/XX/XXXX & XX/XX/XXXX ). These are actually XXXX claim and neither were a Collision. On XX/XX/XXXX, I was sitting in my vehicle in a parking lot and a teenager hit my parked car with his vehicle 's car door. I reported it to XXXX via their mobile app and accidentally clicked the wrong button ( Collision ). I informed XXXX of my mistake and that claim was updated to a Comprehensive claim, then later cancelled and reopened as a new claim upon discovering more extensive damage to the vehicle once at the repair shop for the ding on my vehicle due to the teenager 's car door. The new issues identified on XX/XX/XXXX, though much more severe, was also erroneously opened as a Collision claim, as it was simply a DUPLICATE of the original claim made on XX/XX/XXXX. Because the original claim was canceled and the second one is in fact a duplicate of the original Comprehensive claim, neither should be on my XXXX report at all yet I am being forced to wait for LexisNexis to send me a copy of the XXXX report in the mail, then somehow dispute this information with them in the hopes of updating the report all due to XXXX 's errors which I feel are intentional due to our contentious relationship. Same with my wife ; in her case she has XXXX accidents on her XXXX report reported by XXXX that they found her at no fault for. The other parties were fully financially liable. Colorado, our state of residence, is also a 'no fault state ' regardless, so it shouldn't be impacting our financial rates as much as is. Yet, the information provided to us by several insurance carriers confirmed via our XXXX reports and the information reported in them from XXXX is in fact more than doubling the rates we are being offered. I feel as though we are being targeted by XXXX after almost XXXX years of membership and have no means of recourse or consumer protection from such a large institution only looking out for their own interests. Due to these ongoing issue, we are being hit with exorbitant auto insurance rates across the board due to this wildly inaccurate and outright false information on ouXXXX XXXX reports. Is there any way you could please help us so we can still financially provide our children a nice Christmas this year? Thank you so much for your help!
Product: Credit reporting or other personal consumer reports

I request that these accounts listed below and their account numbers be immediately deleted. I have also confirmed that I do not even have an XXXX credit report used to verify debt/account history/status that negates the previous statements of saying " verified '' and/or " accurate '' from the bureaus, which are false. 

Knowing that I have been affected by the Equifax Data Breach, I have also included proof of this. Additionally, I will attach a copy of the current suit filed against XXXX that illuminates how XXXX has negatively and deceptively made false claims about following FCRA practices to accurately and thoroughly research any disputed information for millions of Americans over the years. I would also like to highlight that none of the three bureaus ( XXXX, Equifax, or XXXX ) allow me to dispute directly with them online, prompting my follow-up and inclusion of the CFPB 's protection. I have also included before-and-after credit reports showing when items in the past have been removed ; they are not reported accurately across each CRA, as required by the FCRA. Lastly, many of these accounts ( even in a closed status ) are being updated with a new balance, which violates my rights and allows for erroneous updates of late payments, further damaging my score, report, and financial ability to provide for myself when applying for necessities granted by having a healthy credit score. 

Below are the accounts I want to be removed and updated as such from my account : XXXX  XXXX : Account # : XXXX | Status : Closed | Balance Updated : XX/XX/XXXX XXXX  XXXX : Account # : XXXX | Status : Closed | Balance Updated : XXXX XXXX XXXX  XXXX XXXX Account # : XXXX | Status : Closed | Balance Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Account # : XXXX | Status : Closed | Balance Updated : XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX | Status : Closed | Balance Updated : XXXX XXXXXXXX XXXX XXXX : Account # XXXX XXXX XXXX Status : Closed | Balance Updated : XX/XX/XXXX Collection Accounts : XXXX XXXX XXXX XXXX : Account # : XXXX | Status : Opened XX/XX/XXXX | Balance Updated : XX/XX/XXXX XXXX  XXXX XXXX XXXX  : Account # : XXXX | Status : Opened XX/XX/XXXX | Balance Updated : XX/XX/XXXX XXXX XXXX XXXX : Account # : XXXX | Status : Opened XXXX XXXX, XXXX | Balance Updated : N/A Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tower Loan was paid in full. They never closed the s count acted I paid it. Last month I disputed the incorrect account information with them about the inaccurate detailing of this account. They have entirely two different balances on my XXXX  and XXXX  reports. They then pulled me credit last month twice without my consent and then flagged my credit report as 30 days late after I disputed. These people are crooks. The credit bureaus keeps verifying the account and havent seen proof of how they verified.
Product: Debt collection

In 2010 I was giving an forgiveness loan from XXXX Bank then the loan file went to XXXX XXXX, from there EMCE then from there Premiere Credit XXXX XXXX XXXX, and then Premiere Credit went into my account and took out XXXX dollars, I send them proof and had not heard from them at all but still XXXX dollars is still being taken, they told me I can talk to a man call XXXX XXXX, I have call him, XXXX him XXXX and still no call back, I want to sued them cause they had no right going into my account, if you want me to fax or send the proof to you please call
Product: Credit reporting, credit repair services, or other personal consumer reports

I first reached out to bank XXXX, XXXX XXXX, after he sent letter threatening to charge me late fees despite the financial hardship I was experiencing due to covid lockdowns and a sudden onset of congestive XXXX XXXX and XXXX XXXX later discovered was causing the congestive XXXX XXXX. I made many good faith attempts to settle alleged debt with other means. With no luck there, I then asked the bank to validate the alleged debt with an accounting ledger to ensure the alleged debt was actually lawful as I protected by the Federal Government as a XXXX. The bank then reported the charge off and so called late payments to XXXX, Equifax and XXXX. They also hired debt XXXX not once, twice but 3 times to harass and threaten me.
Product: Mortgage

My bank neglected to notify me that my escrow was behind. 
After not notifying me they sent documents to my bankruptcy attorney advising they did notify me. 
I made my payment every month for the amount I thought was due. 
I spoke to the bank and was advised that. They did not notifyme because of the automatic stay. My attorney advised theywere sent a release letter so they could advise me. 
My loan payments has increased since my bankruptcy andI was notified. In an effort to resolve the issue I calledSunTrust bank and asked what is owed. They refused toto tell me and refused to allow me to make payments. 
They advised we want to go to court even though weknow you are trying to fix this. They have {$1700.00} in escrowplus I sent an additional XXXX even though they refused. 
My payment now is XXXX I have been advised. The first {$2000.00} I sent afterthey refused my phone payment was made electronically from my account. I called to verify receipt and was told we got XXXX on XXXX XXXX 2015. This must be wrong I haveproof you got {$2000.00} then I was told the rest must have gone to fees. 
I am being forced into possible foreclosure for some reasonSunTrust wants my house not payments.
Product: Credit card or prepaid card

I ordered furniture from XXXX XXXX  XXXX XXXX  using the store card offered through Wells Fargo. The furniture ( 3 piece sectional and coffee table ) was delivered broken and with defects on XX/XX/XXXX. I immediately reported this issue to XXXXXXXX XXXX XXXX XXXX and was told the furniture would be delayed and unavailable until XX/XX/XXXX and that I'd have to call to schedule the delivery on my own since XXXX XXXX  doesn't have a department to handle this. I reached out to Wells Fargo to dispute the charge on my credit card for the sectional and coffee table only. Wells Fargo advises the dispute can take up to 60 days for resolution. When I call back to check the status around the 60 day mark, i was told that they're waiting to receive XXXX XXXX return policy and that they were unable to provide an ETA as it varies and can take 120 days or more. In the interim, I received a letter from Wells Fargo stating they made an error on my credit report. When I checked my report my balance was a zero which dropped my credit score. Prior to me ordering the sectional and coffee table, I ordered a bedroom set which was not in dispute and a balance is still due on that item which should be reflecting a balance on my credit report.
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. 


XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX/DEPT OF ED Account # XXXX XXXX/DEPT OF ED Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 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 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 7 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

XXXX XXXX XXXX XXXX has reported inaccurate information to credit bureaus that is affecting my chances of getting a new credits/loans. I have no account with XXXX, I have never been in XXXX for any services,, I did not even know their address until I got my credit report and no body is authorized to use my XXXX insurance card. I do not owe and I have not received any letters, validations, information from XXXX XXXX. I have called on three occasions, they have not given me any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, XXXX and Transunion have violated my rights. 
15 USC 1681Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 
All late payments from my credit report must be deleted
Product: Student loan

I am writing to formally notify you my rights under the Higher Education, the Privacy Act of 1974, and Family Educational Rights and Privacy Act ( FERPA ) my student loans have been breeched by XXXX XXXX / 3rd party Due to this breech, I request immediate cancellation and discharge of my student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the 150,000,000 people affected by the Equifax hack and have to say I am absolutely livid that my information was not handled with the utmost discretion. Whoever decided it would be a good idea to skimp on cyber security deserves AT THE VERY LEAST to lose their job and be blacklisted from the industry for the rest of their life. Prison would be preferable. I want to see heads roll.