23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX  XXXX XXXX account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for this account are inaccurate. Specifically, the reports indicate late payments for the following months : Equifax and XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
My payment history shows no record of late payments, as I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These discrepancies violate 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy of the information in consumer reports. 
Under 15 U.S. Code 1681i, credit bureaus must conduct a reasonable reinvestigation of disputed information.

Additionally, 15 U.S. Code 1681s-2 mandates furnishers of information to provide accurate data to credit bureaus. 
Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Account Information : High Balance : {$430.00} Date of Last Activity : XX/XX/year> Balance Owed : {$39.00} Payment Amount : {$49.00} Credit Limit : {$3700.00} Requested Resolution : I request : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i. 
Provide detailed information and evidence supporting the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year>. If no evidence can be provided, I demand that the inaccurate entries be removed from my credit file. 
Correct all discrepancies to ensure my credit file accurately reflects my 100 % on-time payment history. 
Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ). 
Thank you for your immediate attention to this matter. 

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

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ). Properly correct billing errors as per TILA, 15 U.S. Cod
e 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Mortgage

XXXX and Green Tree Servicing Failure to Comply with TILA and FDCPASummary of Complaint : XXXX and subsequently Green Tree Servicing have not provided verifiable proof that they have legal standing to administer a loan modification or file a Default Judgment and suit under the Mortgage. XXXX and subsequently Green Tree Servicing has failed to provide adequate evidence that proves XXXX is the current legal owner and 'holder in due course ' of the debt under which they demand payment and have foreclosed. 
XXXX and subsequently Green Tree Servicing has filed a Complaint ( lawsuit ) in 2010 to foreclose on my investment/future retirement home in the State of South Carolina. Unfortunately the judge did not allow my Demand for Discovery and eventually a Judgment of Foreclosure was issued by the court. The case has been moved to the Master of Equity to administer the public sale of the property. 
Green Tree Servicing has offered loan modification and other loss mitigation options. I responded to Green Tree Servicing that I would like to apply for a loan modification but I could do so only if they provided evidence that proves who owns the debt. XXXX and Green Tree Servicing have failed to provide the requested information in failed to comply with TILA and FDCPA. It is my belief and based on documentation XXXX and Green Tree Servings filed in court and the county Registrar that the true legal owner the alleged debt XXXX.
Product: Money transfer, virtual currency, or money service

I sent money through XXXX  app via western union on XXXX XXXX but its been 5 days the money havent reached yet.
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 XXXX Account number XXXX, Account name XXXX XXXX  XXXX Account number XXXX, Account name XXXX XXXX XXXX XXXX Account XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX, Account name XXXX Account number XXXX The above accounts have violated my rights!!! 

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

15 U.S.C 1681 eb states that the bureaus are supposed to ensure that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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.

Equifax has investigated and deleted above accounts and you need to follow suit. Delete the accounts immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a letter to Transunion on XX/XX/XXXX and Transunion received it on XX/XX/XXXX via certified mail. 

According to The Fair Credit Reporting Act, Transunion has never gotten any written permission from me, the consumer, the natural person pursuant to 15 USC 1681b ( 2 ) stating in accordance with the written instruction of the consumer to whom it relates.

Transunion doesn't have a document or anything with my signature giving them the right to furnish things on my consumer report, I've given them 30 days but in all reality, it shouldn't take them that long, i want this account removed Immediately U.S. Dept Of Vets Affair Account # XXXX Also stated how they violated my privacy, by exchanging my information for years. 

They either Don't respect the FCRA or They failed to educate themselves, They basically are reporting things for money with no respect, privacy and fairness to the consumer.
Product: Mortgage

My loan started to adjust in XX/XX/XXXX, it has continued to adjust. My payments were about {$1300.00} a month and now they are {$3700.00} a month. They forced an impound on my account when they paid for back taxes when I was in BK. I was in a repayment program with the county during the BK and had done exactly what they county advised me to do.

I have been trying to get a modification since XX/XX/XXXX, every time I send the documentation they request they ask for something else. By the time they get back to me it is 3 months and they want more updated documentation or they turn me down with no explanation. It has become a vicious cycle. I live in a beach community, I purchased my home in XX/XX/XXXX. In XX/XX/XXXXwe found a builder, constructor defect that had caused massive mold in my home. I eventually had to file chapter XXXX  BK. It had to be torn down to the studs. After having to sue the builder I barely had enough to rebuild. It still didn't fix the problem and I have found leaks each year when we have bad storms. Hopefully I have finally fixed the leaks, it has not leaked in 3 years. When I had to rebuild my home we turned the back bedroom into a studio apartment that I could get {$2000.00} a month income from if and when I choose to rent it out for extra income. I have struggled to keep my home all this time. I rented out my house as a vacation rental a few months of the year to pay my property taxes. Currently I have been forced to rent out my home on a regular basis in order to pay this huge mortgage payment to avoid losing all the equity in my home. I stay with my boyfriend and my children when it is rented out. I have tried to get a reverse mortgage and don't qualify. I don't qualify for a refinance, I am XXXX  and have been since I was XXXX  years old, I am now XXXX  years old and on a fixed income. My home is all I have, all the equity is my retirement, which I can't access. The lender has now stated that they are sending the loan back to the original lender BofA to approve. My loan has been sold 4 or 5 times since the original loan, I don't understand why it would be going to BofA for modification approval.

I have tried to sell the home with no success. I owe {$520000.00} on my home, it is worth at least {>= $1,000,000}. After I sell my home with all the realtor and other fees and taxes I won't even be able to purchase another home in the area I have lived at for the past 30+ years. Since I have had to rent out my home on a regular basis I no longer qualify for the {$250000.00} tax credit when I sell it. I love my home, I want to keep my home. I am in desperate of help. I no longer have a savings, everything I have goes to making the {$3700.00} house payment. PLEASE HELP ME The stress of this nightmare is killing me physically and emotionally. My health is worse than it has been in years.

I applied for save your home CA, was told I had to take my house off the real estate market, and had to be off at least 2 months. When I called back in XXXX XXXX  they were out of money. HARP turned me down because I had too much equity.
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. 

and list of Inquiries 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 reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- AUTO ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card

I made my payment in full online and I don't know what happened but after the payment about a week I reviewed my statement and what it showed was not what I had spent.
Product: Vehicle loan or lease

Lender never sent me a lien release letter as required under Missouri law after the loan was paid off under bankruptcy discharge and payment plan completion. I am trying to trade in the vehicle and requested a lien release letter which lender stated they mailed by US Mail on XXXXX XXXXXXXXXXXXX XXXXXXXX/XX/XXXXX/span>. As of XXXX, the lien release letter has not been received. I called and tried to verify the address it was sent to ( which was correct ) and to request an overnighted replacement lien release letter on XXXX. Lender stated they would not replace the lien release and would not overnight. They however have no tracking information to support the claim they have mailed the document. I gave the lender 48 hours to overnight a replacement and they refused. I was referred to a manager who never returned my call to follow up. I need this document to sell a vehicle I no longer need. There has been every opportunity given them to deliver but they did not send a lien release.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), XXXXXXXX XXXXXX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, XXXX and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards, auto loan accounts, personal loan accounts and auto loan accounts opened as follows. 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 
I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

On XX/XX/2023, CapitalOne issued a credit of {$2800.00} to my account with the intention of sending it to me as a check. I was overseas for the last XXXX weeks due to work commitments and only had the opportunity to check my mailbox on XX/XX/2023, upon returning from my business trip. On XX/XX/2023, I proceeded to deposit the check through my online XXXX account. However, on XX/XX/2023, I received an unexpected email notification from my banking institution where I had deposited the check, indicating " Clearing Check Deposit Return - {$2800.00} ''. This resulted in my account having a negative balance, and I am now seeking to understand why CapitalOne would issue a check that ultimately could not be processed. 

Upon contacting the banking institution where I deposited the check, they advised me to get in touch with CapitalOne, the issuer of the check, as it had been reversed after initially being cleared into my account. Consequently, I contacted CapitalOne today, but they have yet to reissue the {$2800.00} credit. Essentially, they issued a faulty check that caused my other account to go into the negative. CapitalOne claimed that the check had " cleared '' sometime in XXXX, but this seems improbable since I was away until XX/XX/XXXX. XXXX for another XXXX business days for the credit to be resolved is not feasible for me, especially considering my frequent business trips. I am anxious about potentially missing any future checks they send by mail, and their customer service has not been able to provide me with a clear timeline for resolution or an explanation for the credit mishap.
Product: Debt collection

XX/XX/2018 My work was called regarding a debt that I have. I have never given them this contact information and have called them before and asked them to stop calling my family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have communicated to the credit bureaus and creditors with no resolution. The accounts have remained on my credit despite affidavits and multiple tries to have this resolved with the credit bureaus. The following accounts have remained on my credit report. 
1.XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5.XXXX  XXXX 6.XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX 8 XXXX XXXX XXXX 9.XXXX XXXX XXXX XXXX CREDIT UNION XXXX PLEASE help me resolve this issues and remove these fraudulent items from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft following a recent data breach involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX between XXXX and XXXX. My personal information, which was compromised in this breach, has been fraudulently used without my knowledge or consent.The leaked data from XXXX and XXXX XXXX XXXX included the exact types of personal information needed to open accounts I would like to have the following accounts removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have placed a credit freeze with all the 3 credit bureaus. However, I have been unable to lift my credit freeze with Equifax for more than 6 months now. 
I tried lifting the freeze through the website, but I am greeted with the error " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' I thought it was a website issue and tried again a few times for next 3 days. 
I then called their toll free number. After numerous attempts and long wait, I was able to reach an agent. The first agent disconnected the call after a long wait. 
The next agent said they couldn't verify me. I called again, and the agent was able to verify me, but wasn't able to understand why the website wouldn't lift the freeze, but the agent lifted the freeze. 
After repeated attempts I haven't been able to get Equifax to let me freeze/unfreeze my account through website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an account opened with American Express Bank XX/XX/2018 and a balance transfer was made using her information without her consent. An official dispute of this activity and account was sent to American Express Bank XX/XX/2018 however as of this date no reply or any outcome of investigation has been received. This is a violation of the FCRA and my client 's consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. You have no business continuing to report this on my credit report. I dont have any idea about this. 

FOR UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 A
ny 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Delete hard inquires bureau - 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 XXXXXX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive disputed with Experian twice to have the information removed and they continue to say it was verified. XXXX didnt verify and neither does the courts.