23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX to XX/XX/2024 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: Mortgage

I received a letter in XX/XX/2019 that a flood map changed and I was required to obtain flood insurance or the company would force place. I did immediately obtain flood insurance. As I looked in to the matter more I found that the condominium is NOT in a flood zone, the garage that is a separate building, attached to many other garages is in a flood zone. I spoke on the phone to the escrow dept to somehow come to an agreement about possibly lowering the amount necessary that I needed to carry so that I only had to pay for coverage for the garage. The condominium is on the 3rd floor of the building and again, not in a flood zone according to FEMA. I  sent in a complaint letter again, requesting Mr. Cooper review the issue and lower the amount needed for the flood policy or possibly waiving the flood requirement. I received a letter with the same answer that I was receiving from the escrow dept. I then sent the person who sent the answer to my complaint an e-mail on XX/XX/2019 requesting a copy of the notification Mr. Cooper received from FEMA. If that notification has a PIN number on it, it will be the PIN of the garage. The condominium itself has its own PIN number. I was hoping this would help Mr. Cooper see my complaint more clearly. The person has not answered my e-mail or sent me the information that I requested. I sent a second e-mail on XX/XX/2019. I am willing to compromise and make sure the garage has the flood insurance based on its value but I find it ridiculous that I have to carry coverage of {$140000.00} ( my loan balance ) for a garage that is only worth {$5000.00}.
Product: Vehicle loan or lease

I am writing to you regarding my recent experience at XXXX XXXX XXXX XXXX XXXX in XXXX, GA, where I attempted to use a pre-approved auto loan from Chrysler Capital to purchase a vehicle. Despite providing all the necessary documents including proof of identity, proof of income, and proof of address, I was informed that I could not be provided a truth in lending statement or an approval for a loan without putting cash down on a car, regardless of which vehicle I chose. 



I would like to bring to your attention that this practice is in violation of federal laws, such as the Truth In Lending Act ( TILA ) and the Equal Credit Opportunity Act ( ECOA ). TILA requires lenders to provide borrowers with a written disclosure of all loan terms and costs before the loan is consummated. This disclosure, known as the Truth in Lending statement, must include the finance charge, the annual percentage rate ( APR ), and the total amount of the loan. Additionally, TILA prohibits lenders from conditioning the extension of credit on the borrower 's agreement to purchase property or services from a particular creditor.

ECOA, on the other hand, prohibits lenders from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age. It requires lenders to consider credit applications based on the applicant 's creditworthiness and not on any prohibited basis.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Experitan : # XXXX, XXXX : XXXX, XXXX : XXXX violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

The property subject to the mortgage was demolished due to FEMA flood regulations. After the demo of the property Mr Cooper requested proof of flood insurance. 

Mr Cooper was provided with : A copy of the demolition permit A signed letter from the contractor stating the property was demolished Email chain from the insurance provider stating that flood coverage is not provided for vacant land Despite calling and providing written notice that no structure that is eligible for flood insurance is on the property Mr. Cooper purchased force placed coverage on the property. 

On XX/XX/2019 I contacted XXXX, the company providing the force placed coverage and inquired how they determined the value of the structure. ( {$170000.00} ) XXXX stated this value you was provided by Mr. cooper. Mr Cooper provided this information knowing that no structure is on the property that is eligible for flood coverage.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ) .I 'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEXIS XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Credit Bureau XXXX I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT OUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b 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. 

List : Creditor Name, Account Number, Month/Year of Late Payment XXXX XXXX ; ACCOUNT NUMBER XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  : ACCOUNT NUMBER XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and notice that there is fraudulent activity being reported on my credit report.
Product: Credit reporting or other personal consumer reports

Late payment was placed on credit report my Reporting agency and its an error! Ive made all payment on time to the account and it was paid in full and closed. I dont know how it happen but its incorrect and Id like this account updated XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX to paid on time as agreed never late immediately!
Product: Credit card

In commerce truth is sovereign.

Truth is expressed in the form of an affidavit.

An unrebutted affidavit stands as truth in commerce.

In commerce for any matter to be resolved, must be expressed.

He who leaves the battlefield first loses by default.

Sacrifice is the measure of credibility : A lien or claim can be satisfied only through rebuttable by affidavit point by point, resolution by jury, or payment.

Not sure why all my credit card companies and reporting agencies digging a deeper whole, willful non-compliance to my FTC identity theft affidavit which is notarized by repeatedly, 5x that my identity is verified. 

You are required by law to remove from credit report and credit card, the information that relates to the theft. 

Furthermore, anything added to a consumer report without my written consent could be considered identity theft. 

The notary has higher status in law than the attorney general, and you companies be out here telling me opt out isnt law, saying you fcra compliant, I mean, how long is this act negligent non compliance?
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINICIPAL IS NOTICE TO AGENT Exquifax you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
1. XXXX XXXX XXXX 2. XXXX XXXX - {$24000.00} The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

You and your inaccurate reporting have damaged my livelihood 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something As defined by the IRS Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS clearly says a cancelled or charge off is income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 says you Exquifax are a furnisher of information to a consumer reporting agency.

YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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.

If you continue to report this account this is considered willful noncompliance.

15 USC 1681 s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A persona shall not furnish information relating to a consumer to any consumer reporting agency if - ( ii ) the person has been notified by the consumer, at the address specified by the person for such notices the specific information is inaccurate ; and ( ii ) the information is in fact inaccurate.

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate.

The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting.

This a final opportunity to cure and delete this erroneous inaccurate account from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has old account information on my credit report that is over 7 years old. I have disputed it for a long time and they refuse to remove negative item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX granted myself and my partner, a credit card account in XXXX. In XXXX my partner and I, separated and I closed this account and paid XXXX of the XXXX balance ( continued payments made for the XXXX balance at the time ) XXXX, was advised of the personal circumstances at the time, and agreed to close the account due to previous unauthorized transactions made on the account without my knowledge or authorization. This past XXXX, with a balance of XXXX XXXX, allowed charges, unbeknownst, unauthorized and without my permission. 
I returned to XXXX to inquire about the status of the account they informed me the account wasnt closed, but paused, and recently reactivated. XXXX allowed XXXX more in charges without my knowledge, permission or authority. Once again, they assured me the account is CLOSED and no charges would be allowed. XXXX not only failed to secure my account they allowed charges to continue without following their own guidelines, by NOT validating and failing to confirm with me ANY and ALL transactions made in my name under any circumstances. Any attempts to charge or withdraw monies must be verified by directly contacting me BEFORE any approval is to be granted. All my XXXX accounts have fraud and security alerts in place to avoid fraudulent charges they continue to breach my accounts and fail to properly protect my money. In addition, my credit score has been severely affected and continues to show as a negative against me on my credit report. This account should be completely removed from my credit report, entirely.
Product: Credit reporting or other personal consumer reports

In XXXX with XXXX XXXX act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian only reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX - DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$770.00}
Product: Vehicle loan or lease

On XXXX XXXX XXXX I bought a brand new XXXX from a Toyota of XXXX XXXX XXXX through Toyota Finance Service ( TFS ). The car turned out of a brand new - it is UNWIND. So I returned the car on XXXX XXXX XXXX because the dealership did not tell me it is UNWIND car for some reason. The dealership told me I should get my money back within 2-3 weeks and told me not to pay my second payment. On XXXX XXXX, I got a phone call from Toyota Financial Service ( TFS ) about my payment. I explained to customer that the deal was cancelled and I should got my first payment back. On XXXX XXXX XXXX, I got another call from TFS, I explained to her again, then the phone call was forward to Customer Resolution (? ). XXXX XXXX told me she will report to Credit Report as Volunteer Surrender within 24/48 hrs. I have asked her to call the dealer to confirm the fact. She told me she does not have their address and phone number. I have to provide that to her. This info should be in the loan docs. I have to search and provide her that. She told me to get the proof that the car was previous owned. I told her I dont have this information because at the end of XXXX, the dealership asked me to sign DMV paper again because I have not received the license plate. He asked me to sign a paper that stating the car was previously owned because it is UNWIND. I told him no and he left the office more than 10 min. so I left the dealership and then email my salesman that I want to return the car because it is not new for my son. My family is very upset that they sold me previous owned car. I have requested XXXX XXXX to email me when she will put bad credit report on my report. As of now, I got nothing from TFS.
Product: Checking or savings account

A live agent was inaccessible for me one time I really needed one.
Product: Credit card or prepaid card

Magazines from Montgomery Ward/ Swiss Colony/ XXXX XXXX ( all the same company, but with different names ) was being sent to an old address I haven't lived at since 2008 with my name on the magazine. Someone committed fraud and was able to order items from the magazines using my name pretending to be me! This could have been prevented by verifying up to date information and not randomly sending out magazines with my name on it, giving random ppl opportunity to commit fraud by just ordering stuff. 
The unpaid balance has been reported on my credit report. The situation resulted in my credit score going down because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One just about 9 months ago to change my credit card due date from the XXXX to the XXXX. I was told over the phone that they would. Strangely though, they also decided to report the account with 30 day late payments. I was very upset so I called to get these lates removed. Even if Capital One wanted to consider me late for not paying on the XXXX, paying on the XXXX would still only be 14 days late. The 30 day late reporting is completely inaccurate. I conveyed this to them, and they promised me they would remove them but the 30 day late marks are still on my report. In XXXX, I sent them a written notice explaining the situation but Capital One continues to report this account incorrectly.
Product: Credit reporting or other personal consumer reports

1 ) XXXX XXXX XXXX  : OPENED XXXX XXXX I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
2 ) XXXX XXXX : OPENED XXXX CLOSED XXXX BALANCE $ XXXX I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
3 ) XXXX XXXX  : OPENED XXXX CLOSED XXXX BALANCE ( UNCLEAR )- I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
4 ) XXXX XXXX- OPENED XXXX CLOSED XXXX BALANCE $ XXXX CREDITOR REPORTED LATE PAYMENTS FOR XXXX AND XXXX OF XXXX  FOR 30 DAYS LATE. INCORRECT REPORTING OF PAYMENT HISTORY 5 ) XXXX XXXX- OPENED XXXX BALANCE XXXX CREDITOR REPORTED LATE PAYMENTS FOR XXXX XXXX, XXXX XXXX, AND XXXX XXXX FOR 30-120 DAYS LATE. INCORRECT REPORTING OF PAYMENT HISTORY. 
6 ) XXXX XXXX : OPENED XXXX CLOSED XXXX UNCLEAR OF BALANCE- I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. LISTED ON REPORT TWICE WITH TWO DIFFERENT ACCOUNTS
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed that several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health and XXXX.
Product: Credit reporting or other personal consumer reports

I have requested debt validation from frontier in regards to this alleged debt I owe. Under the FCRA, its against the the law to report incorrect inaccurate information on a report with VALIDATION. UNDER 15 USC 1692G VALIDATION OF DEBTS, 1. Please Delete Immediately
Product: Credit reporting or other personal consumer reports

I believe and have received several notifications that I am a victim of identity theft.