23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}.
Product: Checking or savings account

After logging into my PenFed account, I attempted to make a transfer using XXXX. However, I received a message stating, " For security reasons, weve restricted your access to this service. '' I called PenFed and spoke with a representative who informed me that I can no longer use XXXX for transfers. When I asked for an explanation, she couldnt provide any details and advised me to contact XXXX directly. 

I then called XXXX, but they directed me to reach out to my bank instead. 

For reference, I also have accounts with XXXX, XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX, and I am able to use XXXX with no issues through those banks.
Product: Debt collection

On XX/XX/XXXX I disputed this account with the credit bureaus because I discovered that they were reporting late payments after bankruptcy - please see attached. I also sent them a certified letter regarding this. When the results came back nothing had changed and they completely ignored my letter. This company acquired the account from American Home Mortgage. The account was in bankruptcy from XX/XX/XXXX until XX/XX/XXXX, yet they reported late payment activity during that time. It is unlawful to report an account that is included in bankruptcy. The bankruptcy did not discharge until XX/XX/XXXX so WHY did they report these late payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a bankruptcy report that being report by a third and is not the court on or about XX/XX/2018 to ask them to VI fly on what date did they report this to the credit bureau the court response back address the issues state that under the bankruptcy court do not report to any credit bureau agency. and this Letter was date on or about XX/XX/2018., the rule state pursuant 11.usc.107 ( a ) and that section state the court shall not disclose information specifically protected by the court under this title. and Transunion never to remove it.
Product: Mortgage

Received an advertisement in the mail from this lender that is obviously not true and not in compliance with full disclosure. They are advertising NO CLOSING COSTS. This advertisement is misleading and false, because the closing costs are built in to a higher interest rate. The consumer is still paying closing costs.
Product: Credit card or prepaid card

According to Discover Card, a authorized electronic consumer credit card transaction was done via online using their digital application/contract in my name XXXX, XXXX. I received several monthly statement requesting payment of account with the alleged debt of {$320.00} and it's due balance which I offered to perform in good faith to settle upon the condition that Discover Card provided me all the necessary proof of evidence pursuant the Fair Debt Collection Practices Act, 15USC 1692g which I listed in requests documents numbered below 1. Debt Collector Disclosure which they did not provide with their letter of response.

2. Affidavit Of Debt Validation which they did not provide with their letter of response.
3. To Cease And Desist which they ignored. Pursuant the Fair Debt Collection Practices Act, 15USC 1692c ( c ) I have given First Discover Card multiple default and opportunity cure the issue at hand by sending all my affidavits certified mail and they have yet to respond to me with the requested information.

An Affidavit unrebutted stands as Truth.

According to, United States v. his, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 1982 ] Allegations in Affidavit in support of motion must be considered as True in absence of counter-
affidavit ''. [ Group v Finletter,108 F. Supp. 327 Federal case of Group v Finleter, 108 F. Supp. 327 ] An affidavit uncontested unrequited unanswered, Morris v National Cash Register, 44 S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''. 

I have also provided Discover Card several exhibits disclosing all their violations of my consumer rights pursuant the FDCPA, FCRA and I also provided them with a detailed invoice. 15 U.S. Code 1692k ( A-A -E ) - Civil liability Also requested Discover Card to provide GAAP , Generally Accepted Accounting Principles is the accounting standard adopted by the U.S. Securities and Exchange Commission .
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and XXXX  is reporting an account that I never had with XXXX XXXX XXXX. XXXX. This has been disputed several times and it has been disputed several times. I have never had an account with XXXX
Product: Credit card

Citibank refused to provide credit card for Costco membership, statements from XXXX account transferred to them, credit card, account number or any information about account since the change from XXXX to Citibank happened in XX/XX/2016. They apologized and promised to fix the issues but never did, and literally alerted me that this very long delay and lack of payment was not going to affect my credit score since would not be reported as delinquent account, because it was Citibank who failed to provide all the necessary information, account, statements and card. But today i found out they actually did report account as delinquent totally undermining my credit score, plus adding hundred of dollars of fees and charges and on interests for the time they did not allow me to have any access to account they created and never allowed access to. I have also been told they have closed account and will continue never to receive any of the executive membership I pay for to Costco. 
Costco does not care and refer me back to Citibank not taking any responsibility for it. I do have phone call records as evidence of Citibank staff making false statement, including they alert that my credit score will never be affected/issue thy created reported. 
I can provide these records as necessary.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 the months that I was late 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.
Product: Mortgage

I had a mortgage with Chase acct. # XXXX which was sold to XXXX acct # XXXX. In XX/XX/XXXX they force placed insurance on my account and for YEARS I sent that I had had proof of insurance and they kept misapplying my payments towards escrow shortage rather than my mortgage & charging late fees. Finally in XX/XX/XXXX I spoke to someone with some sense and they mailed a check to me for theforce placed insurance. SInce in the interim they had sold th loan to XXXX ( Now XXXX ), when they sold the loan they transferred the incorrect amount. Therefore when I would send my payments to XXXX they kept returning them to me stating the payment was not enough to cover the debt. 
Chase sent the reimbursement check made out to XXXX AND THEY ( XXXX ) STILL returned the check to me stating it was n't enough. 
I finally thought that this nightmare was over last year, but it has continued to be an ongoing nightmare and my account keeps accumulating late fees & my payments continue being returned with them stating it is not enough to cover the debt. I have had to hire an attorney who also gets the run around. I have contacted the attorney for XXXX and even he can not get an answer from XXXX. 
XXXX states that they can not waive the previous late fees and misapplied funds because that it what was sent to them by Chase. 

What I need:1 ) Chase to correct the misapplied payments, remove the late fees, update the credit bureau and report the correct balance to XXXX. 
2 ) XXXX to waive the late fees, update my credit bureau apply the escrow credit balance and accept my payments for all of the payments that I have sent & have returned to me. I have this amount in my account and just want this nightmare to be over.
Product: Consumer Loan

I refinanced my XXXX with my local credit union and payed off account # XXXX with exeter finance on XX/XX/XXXX. I was told the account would show as closed with 30-45 days. This account shows as open with all XXXX credit bureaus still and because of this my credit score has taken a beating. I own XXXX cars with XXXX vehicle loans now which affects my debt to income ratio. Exeter needs to get it together and close this account immediately. Please assist. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It have been over 45 days and I have not received any response/result from my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit 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 accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My issue with this XXXX is that I keep having different continuing issues with this XXXX reporting inaccurate information on my credit report. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation or purposeful and deliberate actions on their part for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account that they have had for years and have been reporting for years as new and just assigned in XXXX to at least XXXX bureaus. They are reporting the date first delinquency reported as XXXX and if they just began reporting it even though they have been reporting it prior. Previous to my dispute and complaint they were reporting as placed for collection XXXX. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XXXX and date first delinquency reported as XXXX and open and reporting it as if it is a new account. They are trying to throw off the credit bureau 's system and impact my credit score negatively in a big way, on purpose. This is the same collection agency just reporting it differently, although they do have about XXXX different names. The name does n't seem to have changes on my report, just the dates and other things keep changing. I 'm assuming they are hoping that I wo n't notice it, if they report it one way for a month and then change it up and report it as new the next month. This debt is a very old debt they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XXXX and NOT XXXX like they are now reporting. I would like them to stop playing games with my report and stop with the inaccurate and deliberate incorrect reporting of this account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer reports and found that there are XXXX late payments listed for an account on which I was never late. Consumer reporting agencies play a critical role in ensuring that consumer information is reported with the highest level of accuracy. For the accounts mentioned in this complaint, I have attached screenshots showing that I have never missed a payment on the dates in question [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ]. I request that you investigate this matter and provide statements proving these payments were late. If such proof can not be provided, I insist that these payments be corrected to reflect that they were made on time as agreed, as I have never been late. Thank you. Please see the attached screenshots.
Product: Mortgage

My Name is XXXX XXXX with XXXX my main number is XXXX or email XXXXXXXXXXXX. I am a XXXX XXXX XXXX and I am working with XXXX representing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Loan Number # XXXX Last four of my SS # XXXX. 
Phone number XXXX Lender name Specialized Loan Servicing , LLC In order to finalized his file I need a Mortgage statement and the lender Specialized Loan Servicing , LLC is refusing to provide a statement because he filed Bankruptcy in XXXX even though it was discharged in XXXX they are refusing to gives us anything. 
The lender gave me a number for a XXXX XXXX that never answers and we have left several messages. 
Specialized Loan Servicing , LLC number is XXXX. 
All we need is a mortgage statement. 
He does have a sales date for XXXX XXXX, XXXX and we need to submit everything before 35 days from the sales date in order for Arizona Department to review the file. 
Thank you for your courteous and prompt attention.
Product: Debt collection

On XXXX, someone from phone number XXXX as well as phone number XXXX ( " XXXX XXXX XXXX '' ) contacted me stating I received a " pay day loan '' in XX/XX/XXXX and when they tried to extract repayment from my account, access was denied. They stated they are pursuing legal action since I " have not paid back the loan. '' Also, again on XXXX, someone from phone number XXXX ( " Concord Resolutions '' ) called me with the same story. However, there were XXXX different " loans '' with this call, XXXX from XXXX and another from XXXX. I have received numerous calls before XXXX, but I did not document those calls ; I thought they would just stop since I have n't applied for any types of loans. Both my husband and I have checked with our bank and there were no such deposits of money or loans issued. Also, as per the XXXX credit report bureaus, there have been no inquiries or loans applied for in the last XXXX years. I have filed a police report, and I block these numbers from calling me. However, people end up calling me anyway from different numbers each time, claiming the same story.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act This creditor has violated my rights. Under 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604a section 2 also state a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not tear a payment.
Product: Credit reporting or other personal consumer reports

s ) 2 ) Comenity Capital Bank/Ulta-Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but XXXX and XXXX did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

Sure, here 's a sample letter to the Consumer Financial Protection Bureau ( CFPB ) regarding the unauthorized reporting of a negative item on your credit report : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally file a complaint regarding an unauthorized negative item reported on my credit report. I have discovered that [ Name of Creditor ] has reported [ describe the negative item, such as a late payment, charge-off, etc. ] to my credit report without my written consent or authorization. This action has negatively impacted my credit score and financial standing.

I have taken the following steps to resolve this issue : 1. Reviewed my credit reports from Equifax, XXXX, and XXXX, and confirmed the inaccurate information. 
2. Filed a dispute with each of the three major credit bureaus regarding the incorrect item.

3. Contacted [ Name of Creditor ] directly to request the removal of the inaccurate information, providing evidence to support my claim.

4. Filed a police report regarding the unauthorized activity and identity theft.

5. Submitted an Identity Theft Report to the Federal Trade Commission ( FTC ).

Despite my efforts, the negative item remains on my credit report. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially constitutes identity theft and fraud. I am requesting the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this unauthorized negative item from my credit report.

Please find enclosed copies of my credit reports, dispute letters, police report, FTC Identity Theft Report, and any correspondence with [ Name of Creditor ].

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or documentation.

Thank you for your assistance.

Sincerely, [ Your Name ] -- - Make sure to include all relevant documentation and adjust the details to fit your specific situation before sending the letter.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorreclty that I am ( 90 ) days late 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 lates 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: Credit reporting or other personal consumer reports

I consistently ensured XXXX  payments, so I'm puzzled by an error in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXX XXXXXXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX XXXX  is in violation of 15 usc XXXX and 15 usc 1693l for waiving my consumer right in agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 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 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

Financial Data Systems Dates : XX/XX/17 {$64.00} XX/XX/2017 {$64.00} I pulled my Credit Report and notice a collection agency called Financial Data System. I have no idea why this company is collecting on a debt from XXXX XXXX who is also not the original clinic I went to for services. I have never been to XXXX XXXX and never signed a HIPPA form with them or and paperwork to validate this debt. I went to XXXX XXXX and signed a HIPPA form with them and did not give them permission to release my personal information or any services I received to this company. I have written all XXXX Credit Bureaus and asked this be removed off my credit report, because it a violation of HIPPA and to provide Validation of something I signed with Financial Data System or XXXX XXXX and the refuse to remove this collection. They always say it has been verified but not validated and never provides proof. I would like this removed of all 3 of my Credit reports.
Product: Debt collection

On XX/XX/XXXX XXXX called from FMR or Forward Movement Recovery and left a message about location and tracing. If I did n't call back they would call all references. I called back XXXX ext XXXX. XXXX  stated the loan was taken out XX/XX/XXXX and listed XXXX XXXX. My XXXX XXXX account was closed in XX/XX/XXXX-XX/XX/XXXX. I asked if he could send me the original contract which he said no. I then asked him to tell me what the expiration date on my driver license was since he said he had a copy. Once again was told no. So I contacted XXXX XXXX XXXX at XXXX. They stated their systems go back to XX/XX/XXXX and could n't locate me in their system. So I called back FMR and stated that the original debtor does n't have me in their system. He said that they broke the law by telling me that which is odd since that 's who I owe the money to supposedly and that he was just a mediator. They hung up on me and refused to give me any info.