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

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX ) & ( XXXX XXXX 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 instructions.

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

On XX/XX/2022 I sent XXXX and Equifax a letter asking the method used to retrieve a bankruptcy they are erroneously reporting on my credit report. They never responded. 

I went directly to XXXX to dispute the item in question and XXXX could not verify this item so they deleted it from their database. 

By way of this complaint, I am again reaching out to XXXX and Equifax to show them the deleted bankruptcy from XXXX and informing them that if they can not reveal how they truly verified this item then it needs to be deleted according to the FCRA. Refusal to delete this item is impeding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it cant be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and maryland child support credit report showing inaccurate information in reference to child support payments where never late and are directly taken from pay once a week since court order
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Fair Credit Reporting Act section 611 ( 15 USC 16811 ) I am allowed to ask that disputes be removed. Mortgage companies deny loans and disputes put on there in error can be removed. I have tried for 3 months to get Experian to remove disputes made in error - each time I call, write, fax, a new dispute is opened which hurts me more. 

Each time I am told they will handle it they open yet another dispute ( see attached ). 
it is a cycle and it just adds to the problem. 

XXXX had no issue with doing this and took the comments off the report. 

Experian continues to send my inquiries by telephone or letter or fax to the dispute center and open yet another dispute. 

( see attached )
Product: Prepaid card

EDD in CA approved payment for unemployment insurance in XXXX. Bank of America EDD debit card never mailed the card for payment. They claim that EDD requested a freeze and asked to call EDD. EDD said to call Bank of America for my payment and an email was sent to BOFA from EDD to authorize the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX, I PAID THE FULL BALANCE OF {$180.00} ON MY XXXX CREDIT CARD. I DID NOT HAVE A BALANCE DUE. ON XX/XX/XXXX THERE WAS A SERVICE FEE OF {$3.00} OF WHICH I WAS NOT MADE AWARE OF. I HAD A XXXX BALANCE SO I DID NOT GO BACK INTO MY XXXX ACCOUNT. I DID NOT GET AN EMAIL OR LETTER STATING THAT I HAD A PAYMENT DUE OR ANY OTHER NOTIFICATION. IN XXXX SO I DID NOT MAKE THE PAYMENT ON THE DUE DATE IN XX/XX/XXXX. I GOT CHARGED LATE FEES AND IT WAS PLACE ON MY CREDIT REPORT AS A LATE PAYMENT. I CALLED XXXX AND THEY REMOVED THE LATE FEES BUT STATED I HAD TO PAY THE SERVICE FEE OF {$3.00} WHICH I DID. THIS 30 DAY LATE PAYMENT HAS BEEN PUT ON MY CREDIT REPORT EVEN THOUGH I HAVE NOT HAD ONE LATE PAYMENT IN YEARS. THEY THEN DROPPED MY AVAILABLE BALANCE FROM {$3500.00} TO {$100.00} WHICH ALSO AFFECTS MY CREDIT. 
I AM REQUESTING THE LATE PAYMENT OF {$3.00} IS REMOVED FROM MY CREDIT REPORT AND MY CREDIT LIMIT BE RAISED BACK TO {$3500.00}. THIS HAS AFFECTED MY OVERALL CREDIT REPORT SCORE. I HAVE WORKED REALLY HARD TO PAY MY BILLS ON TIME AND I NOW HAVE A MARK ON IT FOR {$3.00} WHICH IF FIND RIDICULIOUS! WHAT AM I PAYING A SERVICE FEE FOR. I HAD A XXXX BALANCE!!
Product: Money transfer, virtual currency, or money service

I had sent a a XXXXXXXX XXXX  XXXX with my account with chase, and I noticed I sent it to the wrong person and tried to contact chase they told Me that there was nothing that they couldnt done and that basically the money was gone this was during the pandemic XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ME XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXXXXXX XXXX, ME XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting act XXXX 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 instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Mortgage

Pennymac is not adhering to RESPA, TILA, and consumer protection laws for mortgage loan servicing. I attempted to remit my payment today by the web and called in to only wait on hold for 25 mins, and was ultimately and erroneously denied due retaliatory discrimination for filing a HUD complaint. I contacted the company and informed them that I planned to remit a payment this month and instructed to do so by the rep. This is ridiculous and now my loan will report late. I want this investigated by HUD and CFPB and CA attorney general 's office.
Product: Credit reporting or other personal consumer reports

XXXX {$250.00} XXXX {$2000.00} XXXX XXXX  {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Please freeze this report and update my correct information. The XXXX makes it impossible to access my report My name is XXXX XXXX XXXX My addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX phone numbers XXXX I have not opened any new accounts, clear all the inquiries that have no account attached
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, US SM BUS ADMIN ODA.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX  inquired on XX/XX/XXXX XXXX, US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/2021 ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Debt collection

They dont explain what the debt is from. I cancelled my membership immediately following the pandemic after the gym lied that they were unable to furnish me with account membership information and l cancelled my membership exactly as required. And many months later I begin receiving these messages with zero explanation of the alleged debt or option to dispute the alleged debt : Aldous & Associates logo Attorneys At Law Date : XX/XX/2023 YOUR ACCOUNT NUMBER : XXXX Agreement with : XXXX XXXX Current Balance : {$260.00} Hi XXXX XXXX : This is another past due reminder. Non-receipt of payment could potentially result in reporting on credit. We have not received a payment for your account XXXX with XXXX XXXX. {$260.00} is still outstanding. Please make payment via ACH or credit card at our portal. To make a payment, click on the given link. 

Pay Now Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 

Sincerely, Aldous & Associates, P.L.L.C. 

THIS IS AN ATTEMPT TO COLLECT A DEBT : ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 

At this time, no attorney with this firm as personally reviewed the particular circumstances of your account. 

Go to cfpb.gov/debt-collection to learn more about your rights under federal law. 

VISIT WWW.ALDOUSLEGAL.COM OR CALL XXXX FOR MORE INFORMATION. XXXX XXXX XXXX. 

Office Hours : Mon Thu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you no longer want to receive these emails, click here to unsubscribe. 

Please do not reply to this email as this address is not monitored. 
CONFIDENTIALITY NOTICE : This electronic transmission ( and/or the documents accompanying it ) may contain confidential information belonging to the sender that is protected by the Electronic Communications Privacy Act, 18 U.S.C. Sections 2510 and 2521 and may be legally privileged. This message ( and any associated files ) is intended only for the use of the individual or entity to which it is addressed and may contain information that is confidential, subject to copyright or constitutes a trade secret. If you are not the intended recipient you are hereby notified that any dissemination, copying or distribution of this message, or files associated with this message, is strictly prohibited. If you have received this communication in error, please contact Aldous & Associates , PLLC immediately by telephone and destroy the original message. Messages sent to and from us may be monitored.
Product: Debt or credit management

I was with freedom debt relief until approximately 2019. When I originally signed up for their services I was on time with my payments with my creditors but I was beginning to fall behind. When I had called to inquire about their services they explained that I was doing the right thing and being proactive. Not once through the initial call all the way to about one month year after beginning their service did I find out the way that they settle with creditors is they force you to sign a consent that you will not contact the creditors and the creditors have to contact them. Once all of the communication from the creditors has ceased freedom debt relief ignores their calls and mail for over 6 months in order to have all of the balances go delinquent and the company 's charge off the accounts as uncollectable. Once all of the accounts are listed as uncollectable then freedom debt relief will attempt to make settlements. They do not disclose this at the beginning of the service. When I originally signed up I had over a XXXX credit score, once their services took effect and they began negotiating I was down below a XXXX. Not once in the process did this get explained to me that this is how they settle debt It has literally taken over three to five years since I have ceased services with freedom financial, took back control over my debt and made arrangements with the remaining creditors. Freedom debt relief needs to be investigated for false and misleading advertising, not disclosing how their services actually work, and misleading clients into signing up for their service convincing them that they will be better off by relinquishing control to freedom Financial.
Product: Credit reporting or other personal consumer reports

For many years now I have been asking credit bureaus and collection agencies to provide proof that these fraud accounts belong to me and asking both credit bureaus and collection to remove these fraud accounts from my credit reports and nothing has been done. I submitted a police report several times in the best still nothing has been done to assist me. I have gotten letters from credit bureaus indicating my personal information from XXXX, XXXX, XXXX XXXX XXXX, XXXX and other companies stating my information, data, and identity was exposed in data breaches and is on the dark web. This is not fair not right that I keep asking both credit bureaus and collection to delete, remove these fraud account to clear fraud accounts and nothing is being done. This has been ongoing since 2014, and I have put Fraud alerts on my files and still my identity is being used and continuously exposed.
Product: Checking or savings account

Chase Bank is paying approximately .01 % interest in savings balances. When the national interest rates were near zero, that made sense. Now, short term interest rates are near 4 %. The bank is taking advantage of small savers and making massive profits with the miniscule payouts to their savings customers. Probably happening at XXXX XXXX XXXX XXXX XXXX 
Should be getting some national attention. 

Can you help bring this to light????
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX XXXX XXXX XXXX with a company called XXXX, around the XXXX of XXXX, 2020, I received report under back ground check and consumer Agency that I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) ISSUED DATE 2020 DISPOSITION XXXX DISPOSITION DATE XX/XX/2020 POINTS XXXX THAT IS ERRONEOUS... I DO NOT NOR HAVE I EVER XXXX  NOR WAS MY LICENSE EVER SUSPENDED, AS A RESULT, I AM BEING DENIED WORK UNDER ADVERSE REASONING, NOT TO MENTION THE EMBARRASSMENT AND AGGREVATION THIS HAS CAUSED
Product: Credit reporting or other personal consumer reports

I'M NOT SURE OF THE EXACT DATE BUT IT WILL SHOW ON MY CREDIT REPORTING FILE. I'VE SENT MANY LETTERS TO THE COMPANIES AND THE CREDIT AGENCIES, NOTHING CHANGES. 
I am writing to formally dispute the accuracy of certain negative items on my credit report. It has come to my attention that these items are not only impacting my credit score significantly but are also reported in violation of federal law. 

Specifically, I am referring to the late payment reported on XXXX Bank account numbers XXXX, XXXX, and XXXX. Also XXXX XXXX accounts XXXX, XXXX. XXXX  XXXX account XXXX. I would like to dispute all negative items on my report every one of them if not listed above. According to 15 USC 1666B ( a ), under the law passed by Congress, " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' The reported late payment is a result of an accidental oversight, and based on the aforementioned law, this item should not have been reported as late. I request that you investigate this matter and remove the inaccurate negative information from my credit report. 

Also, according to 15 U.S. Code 1666B - Timing of payments** ( 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.

If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Article I, Section 10 of the United States Constitution**, which states : " No State shall make any Thing but gold and silver Coin a Tender in Payment of Debts. '' This means that states are prohibited from making anything other than gold and silver coin a legal tender for the payment of debts. 

Please conduct a thorough investigation and correct the inaccuracies promptly. I look forward to your swift response and resolution of this matter, as per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this request. 

Sincerely,
Product: Debt collection

Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within XXXX  days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the XXXX  day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if This is a RocketLawyer.com document. 
different from the current creditor. 
Information About the Amount and the XXXX of the XXXX You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include, and is not limited to : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charges ; and Provide me with an affidavit that the Statute of Limitations has not expired on this account. 
XXXX XXXX XXXX XXXX to Collect This Debt Whether your firm has a debt collection license in my state. If not, explain why. If so, provide the date of the license, the name on the license, the license number, and the contact information of the agency that issued the license ; and Whether you are contacting me from a location outside of my state and whether you have a debt collection license from that location, including the license number and the contact information of the agency that issued the license. 
I further dispute this debt and invoke my rights under the FDCPA and any other applicable state laws. 
I request that you suspend all collection activities and that your agency provide me with clear and convincing evidence that I have a legal obligation to pay you and/or the original creditor for the amount in dispute
Product: Mortgage

Our mortgage changed hands XX/XX/2016. The new mortgage holder is sun trust mortgage in XXXX XXXX We have been paying our mortgage for years using automatic bill pay from our bank, XXXX XXXX . To pay the new payee for the first payment on XXXX XXXX, I changed the bill payee to Suntrust mortgage and updated the mailing address for the payment. Unfortunatly- I did not update the account number and left the account for our old mortgage in the memo section of the check. The money was debited from our account. Suntrust claims never to have received the payment. They are calling us delinquent on our mortgage. When we caught the error we updated the account number, and have paid every month since ( XX/XX/XXXX-XX/XX/XXXX ). We have not missed payment. We have had countless phone calls with Sun Trust and claim numbers as well as escalated claim numbers related to this issue. The company continues to telephone us demanding the 'delinquent ' payment. It is now bordering on harassment. We have spent time on the phone with XXXX XXXX, and in the local XXXX XXXX branch. We have faxed the paperwork which was asked for by Suntrust on multiple occasions. XXXX XXXX has sent the paperwork directly to Suntrust as well. Each time we speak to Suntrust, they tell us they will have an answer in 36 hours and to call back. When we call back they claim to know nothing about any paperwork which we have faxed.