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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had a membership with XXXX XXXX for baked goods and candy delivery to my home. I returned the items they are trying to collect for and do not owe this company but they are still trying to collect and have added this collection to my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on 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  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: Debt collection

For almost 10 years now I have been fighting to clear my name with reference to a foreclosure action on a house located at XXXX XXXX XXXX, XXXX, NY XXXX and various other financial defaults related to a XXXX XXXX XXXX, a former occupant of this house. I have had to deal with collection agencies, utility companies, the XXXX, and over and over again, Deutsche Bank National Trust Company, who may or may not own the note for this home. My finances, my credit rating have been adversely affected, and to say this has been a nightmare would be the understatement of the century. Once again now I am being contacted by XXXX XXXX, a process server for the bank, there has already been one individual at the house trying to serve me papers, and it needs to end. I have spoken to an attorney about litigation of all parties concerned, but in the interim, this activity on the part of these creditors needs to cease. Not only is this continuing to be a financial burden on my, but the emotional and physical toll this is taking on me can not continue.
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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Credit reporting or other personal consumer reports

This is not sent in error, please take it seriously as It is important to me that my credit report reflects only correct and verified information. I am submitting a formal complaint regarding inaccuracies on my credit report, specifically concerning late payments that have been reported, these alleged late payments were made on time, yet this incorrect information remains on my credit report causing harm to my credit score.
Product: Mortgage

I paid {$450.00} on  XXXX   XXXX ,   XXXX   for a home appraisal throug h Royal  Mortg age   XXXX   XXXX   XXXX   Loan Advisor  NMLS #  XXXX   XXXX  XXXX  XXXX   Office  : (  XXXX  )  XXXX  | Fax : (  XXXX  )  XXXX  Royal United Mortgage LLC. NMLS #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IN  XXXX  ) that was to be conducted on  XXXX   XXXX ,   XXXX   by VALUTRUST APPRAISALS  XXXX   XXXX , KS  XXXX  it was stated in the  inspection report that an attic was not present in the home, that is not true as there is a stairway to the attic, but was never asked if there was one and the appraiser took a picture in the room that the pull down stairway is present. I have had several other mortgages without any issues the appraiser was at the home for less than 10 minutes when I was   present.
Product: Debt collection

I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 


Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account I have not received any of document yet and keep asking paying the debts everyday phone call and bills.
Product: Credit reporting or other personal consumer reports

I have sent numerous emails and certified letters to all companies involved without any response. I Have sent letters of validations without any response. National credit system has no evidence that that account belongs to me, and I have also contacted the company, and they too have no account with my name or any official signed document with my signature on it stating that account belongs to me.
Product: Credit card

I am a XXXX citizen. I have been a victim of identity theft. My cell phone number was stolen and transferred to a new cell carrier. Then the scammers contacted all my credit card companies to obtain new cards with the changed info. They were able to obtain my XXXX and Bank of America cards. They changed my contact information so that now I can not access my own accounts. For my XXXXXXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX., I called the fraud dept and they took my new information and cancelled my old cards no problem. They assured me I'm not responsible for the fraudulent charges. The only trouble I have had is with BANK OF AMERICA. They refuse to even confirm there are unauthorized purchases on my account, they will not share any information about my card, or close my account unless I PHYSICALLY GO INTO a Bank of America with 2 forms of ID. I live in XXXX XXXX, Colorado. Nearest Bank of America is XXXX miles away. I am a senior and can not complete that drive. I'm fearful of the charges being made on my account with no way to resolve it. Today, I received a letter in the mail from Bank of America. They said there is suspicious activity on my card and they've been trying to reach me. I have been calling them everyday, and they have refused to take any action. So, I called them again today XX/XX/23. They said the address on my account was now listed as Florida. But, I live in XXXX XXXX, Colorado and their letter was sent to my long time address there, they customer service person couldn't explain why. Each customer service person I have spoke with is not interested in helping me resolve this issue,. Not only are they not concerned about the impact on me, their long time customer, they are rude, and uncaring. I have offered to go to the police to provide proof of my identity, or the postal office, or another reputable bank in my town, all offers we denied. I feel these practices are predatory for seniors and people in rural areas. Again, I haven't had this trouble with my other credit card providers, who have been cooperative and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card payment was due on XX/XX/XXXX at Discover -- I never received a statement of notice that the account was late on XX/XX/XXXX -- via email or mail ( I received daily US postal scans ) I have a copy of all scanned mail and none from Discover. I was never notified that I was a day late. I also, contacted XXXX ( case number XXXX ) to verify that I received no email from Discover in the month of XXXX ). Not even my monthly statement that I should have received on XX/XX/XXXX. Therefore, no emails from Discover was received to my XXXX email or Spam folders, etc. I received an email on XX/XX/XXXX that payment was late, of which I paid immediately, the same day. However, Discover had sent late payment with no grace period or notice to the Credit Bureau on XX/XX/XXXX. I should have received some type of communication prior to sending this directly to collections. My credit rating has been XXXX for over 20 years!!! This is unacceptable! Yes, I was late with XXXX being a short month and the day my payment was due, but I was due a NOTICE or GRACE period. I am in the process of seeking legal action. Do I have a case? Thanks in Advance I live in the Maryland area. My address is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD. XXXX -- email address XXXX XXXX
Product: Student loan

Applied for discharge due to total XXXX referencing federal discharge related to the same. No response. 

No response either regarding bankruptcy or forbearance
Product: Credit reporting or other personal consumer reports

Equifax is trying to sell products for security monitoring rather than providing customer service. 

I called to lift a freeze so that the bank can underwrite a home loan. Equifax won't let you do it online and force you to call a number. Then you push all the buttons and everything is wrong, so you have to talk to the agent. The agent makes you jump through a ton of hoops in the name of security ( to break you down and feel vulnerable ). Then finally when they lift the freeze, he told me that there is " good news ''. That they will be providing all of these wonderful credit monitoring features. After listing the features as if they are a free service, they he says that it is only {$19.00} a month. After I say I'm not interested, he does more sales pitch to point out the dangers of this and do more fear mongering. 

I just wanted to lift a freeze to apply for a mortgage and ended up getting a very hard sell on a security monitory product. 

This is a very predatory thing, and I imagine that many vulnerable people sign up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent out a dispute letter to update my personal information but nothing has updated. According to the FCRA all information on my credit report should be 100 % accurate including my personal information. I should only have one name and one address. My name is XXXX XXXX XXXX, any other variation should be deleted. My current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX as of a year ago in XXXX, filed chapter XXXX bankruptcy which was filed on XX/XX/19, loans against house through loancare and XX/XX/XXXX were both taken off credit report, ex husband changed loans through another company for house and now my name is back on loan as joint account holder and it is on both XX/XX/XXXX and XX/XX/XXXX credit reports after having been removed from bankruptcy, talked with XX/XX/XXXX, not easy to get this task done, also emailed XX/XX/XXXX but forms are difficult to complete and although it was taken off credit report and put back on by them I have to jump through hoops to get this done, in a nutshell, specialized loan servicing has my name on account, cannot contact them or talk with anyone because I have no account info, so I am in need of assistance. bankruptcy lawyer more than willing to submit papers but no one even has a fax number, but tons of forms to fill out, I don't understand how it was taken off by them but placed  back on in error but not able to be fixed.
Product: Credit card or prepaid card

I went online to check my credit with XXXX XXXX, and i found out my number. and for the last 10 years someone has had my social security mumber and it caused my credit to go down the drain. then after i was done with the site for XXXX XXXX, there was this application for a credit card, so i automatically figured it was associated with XXXX XXXX, and just for the XXXX  of it filled it out and just see if i would be accepted. this took place first thing yesterday in the morning on XX/XX/XXXX, later the very next day, not even 24 hrs later, there was {$10000.00} dollars into my checking account!! i phoned this company and told them i did not agree to this loan, and they told me yes i did and i told them again, no i did not and i do not want this money how do i send it back, also, it was still in the pending process.which meant it didnt go through yet and my bank couldnt get involved because it, s a civil maters, then once again " AVENT Credit : '' told me, '' yes you did sign this agreement, and i explained to them, i do not want this money dont let it go thru, all i wanted was to just see out of curiosity if i applied if i was now eligible!! because after struggling to repair my credit the last 10 years!! they told me no i can not, i could but it would cost me {$480.00} something dollars for having to reprocesses the transaction. i told them i was calling the federal trade commission on them cause their a scam company, they put money into people 's accounts and then charge {$480.00} to each person when they dont want it and report me to a debt collection company, iam XXXX years old and do not have any extra money or even close to that amount and it will make my credit so bad again and i do not want their money!! i just want to give it back and because it was still in the process department what was the big problem! the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they seem to be sonmehow connected to XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Product: Debt collection

MIDLAND FUNDING LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Debt collection

Hello, Receiving notes from a XXXX XXXX XXXX  stating that we owe a {$110.00} payment to XXXX XXXX, which is not true. I do not believe this is my account as any activity with XXXX many years ago was paid and equipment returned.
The collection attempt is erroneous.
Thank you.
Product: Mortgage

I have requested that you intervene on my behalf in dispute of several loan modification denials from Wells Fargo since XX/XX/2013. Related case numbers are XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have attempted on at least XXXX different occasions to have my Pick-A-Payment loan modified. Now with the XXXX XXXX  article, " Wells Fargo says hundreds of customers lost homes after computer glitch '', by XXXX XXXX, I would like for my previous request ( s ) for a loan modification to be reviewed. Another article, " Wells Fargo faces tax credit probes, new problems with mortgage borrowers '' by XXXX, stated, 'an error in Wells Fargos underwriting tool  improperly excluded 625 borrowers, 400 of whom eventually had their homes foreclosed upon '. I feel confident that I was one of the 626 borrowers, since Wells Fargo could never give a logical explanation as to why my modification was denied.
Product: Credit reporting 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 the 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 that 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60-90 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

Bank of America enticed me to participate in their Trail Loan Modification Program and inflicted financial hardship on me and messed up my credit ratings. 
I have never been late or missed any payments with Bank Of America. Then I get letters from them informing me to participate in their Trail Loan Modification program to lower my monthly mortgage payments. So I enroll. My mortgage payment were reduced for five months from {$2000.00} to {$1700.00}. At the end of five months they informed me they were going to extend my current 30 year mortgage another 15 years in order for me to receive these lower monthly payments. 
I refused to participate in this program. Paying another 15 years of interest to B of A is not in my best financial interest. They immediately inform me I had to pay the difference of my lower monthly payments within 30 days or suffer the consequences. A difference of {$1000.00}. Placing extreme financial hardship on me and my family. But I paid this amount. 
Upon paying this amount and opting out the program I reviewed my credit. A review of my credit disclosed negative information reported to XXXX from B of A. Plus, XXXX and XXXX XXXX had me XXXX and 60 days late on payments. I have never been late with any payments. I contacted their credit department and they insisted the information reported was correct. 
I should not be punished for cooperating with my bank. Currently this negative information submitted to credit reporting bureaus prevents me from refinancing with another bank. An intentional ploy by B of A.
Product: Credit reporting, credit repair services, 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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to 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 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

I have requested in writing to Credence Resource Management, mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, on several different occasions, that the account place on my credit report on XX/XX/2021 is not my account. My Validation of Debt has been met with silence and I am at a loss of what to do without them providing proof of my debt. They have refused to provide me with Proof of Ownership of this account. I have been diligently requesting this data and have no resource other than filing an official complaint. I am requesting as my right, to have this debt validated. Please help me.