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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/2022 -XXXX  XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XXXX XXXX XXXX  XX/XX/2022 -XXXX  XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX XXXX  XX/XX/2022 -XXXX  CA XX/XX/2022 -XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX -XXXX  XXXX  XXXX -XXXX  XXXX  XXXX -XXXX  XXXX XXXX -TXXXX XXXX XXXX XXXX -XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  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 60 days 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 XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Mortgage

On or about July 2/3, 2019 I called Carrington Mortgage to advise I would be send one full payment and a partial payment which would be enough including what was in a " holding '' account to make a full payment. I spoke with a XXXX. I was told I would need XXXX to make two full payments. I was also advised I would not have to pay late fees at this time and the money would go to my mortgage payments which would leave me owing for XXXX, 2019. On XX/XX/2019 I paid through my online banking XXXX, thinking I would have a little left over in the " holding '' account. On XX/XX/XXXX I called Carrington Mortgage and was told I owed for XXXX and XXXX. I advised this was not true and got very upset. The rep then told me she did not understand but that there was a full payment in the " holding '' account and that XXXX had gone to late fees, which I was told previously I would only have to worry about catching my house payment up. The rep advised she would send in something in order to have the XXXX payment processed. Today I observed in my online acct that did take XXXX out for late fees. 
Today, XX/XX/2019, I received two calls at XXXX XXXX, one call at XXXX XXXX, and one call at XXXX XXXX in which I finally answered and was told my account was in default. I have already been scammed by someone claiming to be my mortgage company and I am not in default with my mortgage as I owe for XX/XX/2019 at this time. The guy said he was with Carrington Mortgage and I asked why he called me 4x in a row and he said he was collecting a default mortgage. This is harrassment from this company and the fact that they did not give me credit for one house payment but took late fees from it, is also a big problem for me.
Product: Mortgage

Hi these late fees are making it more and more difficult to pay anything during this critical time. I have over 7 immediately family members currently with XXXX  and 1 XXXX. This additional stress of auto dial calls and fees are adding a hardship. I have sent a request in writing not to violate my TCP rights and Loancare continues. I want these late fees removed and these auto dial calls to cease
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
This are the accounts disputed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Student loan

Failed to apply/allocate payments to the accounts correctly. 
Obscured information and failed to notify of payment change, interest and late fees. 
Had I not discovered the problem by conducting an end of year review of my loans would have harmed my and my husbands credit as he is a cosigner on my consolidated loans.
Product: Debt collection

On XXXX XXXX, 2016 and XXXX XXXX, 2016 I requested validation of a debt Nationwide Recovery Service ( NRS ) is reporting on my credit report. To date NRS has failed comply to FDCPA and FCRA ( the Acts ) regulations. ( see attached ) I will file separate legal action against NRS to recover damages for : defamation of character ; causing me grave financial harm in a Court of law. 
I am required to seek the penalties imposed by the Acts from the Federal Trade Commission ( FTC ) and/or Consumer Financial Protection Bureau ( CFPB ), before filing legal action to recover for the same violations and abuse of my rights. 
This Agency has the authority and jurisdiction under Section 621 of 15 U.S.C 1681s to recover penalties on my behalf instead of filing legal action on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX/XXXX XXXX Visa credit card account # XXXX-XXXX-XXXX-XXXX is lost/stolen and all the charges/transactions on the account is fraudulent, unauthorized, not my charges and dont belong to me. This lost/stolen credit card account appears on my XXXX XXXX, XXXX and Equifax credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report and found a collection account from LVNV Funding LLC, originally from XXXXXXXX XXXX XXXX XXXX XXXX, for a balance of {$430.00}. I do not recognize this debt and believe it to be inaccurate. I have sent a formal debt validation request to LVNV Funding LLC, disputing the debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I have requested detailed information regarding the debt, including signed agreements, a breakdown of the charges, and proof of obligation, but have not received any validation to date. Despite this, the account continues to be reported on my credit report. 

I have attached a copy of the letter I sent to LVNV Funding LLC and request your assistance in ensuring they comply with federal law.
Product: Credit card

Barclaycard Bank just closed XXXX of my credit cards for no reason. I had accumulated rewards with them through spending and now it 's all gone. Specifically, I had a Barclay Arrivals card where I was supposed to get travel rewards and a Choice Privileges card where I was supposed to get a XXXX bonus points on {$10000.00} annual spending per year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Bank of America Above Accounts created under respective creditors without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 

And one more thing according to 15 USC 1681s-2 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: Checking or savings account

I got an email welcoming me to Chime. The email was personalized to me. I called the XXXX XXXX and they wanted me to verify my identity. I refused to give them my XXXX  name and asked them to flag  the account, as it was created fraudulently. They kept requesting personal information. 

Before speaking to a person, when I called the XXXX XXXX  the automated system recognized my phone number and gave me options to check the account balance. It was {$0.00}. Then I spoke to a person at Chime who refused to close the account. They have my XXXX XXXX XXXX XXXX XXXX, and they may have more. They wanted my last name and social security number. I refused to disclose. 

I did not create this account. I froze my bank and credit cards.
Product: Vehicle loan or lease

My original payment is {$250.00} a month I paid {$300.00} the first month the payment went down to {$210.00} if I continue to pay XXXX should n't the extra be applied to the principal they say it does n't because my normal payment is {$250.00} I thought my payment due would continue go down because the extra I am paying would go to principal instead of being like the original payment
Product: Debt collection

Upon receiving a notification in the mail asking for payment or communication by XX/XX/year>, I submitted a certified letter to Client Service on XX/XX/year> asking for the following : 1. Cessation of Contact ( FDCPA ) : Under 15 U.S.C. 1692c ( c ), I am invoking my right to require that you immediately cease all collection activity and refrain from any further contact with me regarding this alleged debt. This includes all communication forms, whether by phone, mail, or any other means. 
2. Prohibition of False or Misleading Representations ( FDCPA ) : According to 15 U.S.C. 1692e, any continued attempts to collect on a debt that may be unenforceable or time-barred could be considered misleading and deceptive under federal law.

3. Debt Verification ( FDCPA ) : Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to demand full validation of this debt. I am requesting comprehensive proof that this debt is legitimate, and that Client Services has been legally assigned the right to collect it. Please provide : a ) Original Documentation of the Debt : A copy of the original signed agreement with XXXX XXXX  that establishes the debt and my obligation to pay it. 
b ) Chain of Custody and Assignment Rights : Documentation proving that this debt was legally transferred to you, including any assignments, sales, or transfers from XXXX XXXX  to Client Services. This documentation must confirm that you have the lawful right to collect this debt and act on behalf of the original creditor. 
c ) Detailed Validation of the XXXX : An itemized breakdown of the amount allegedly owed, including any interest, fees, or other charges, to ensure accuracy. 
d ) If you can not fully validate and document this debt as outlined, you are legally required to cease all collection efforts. Continued attempts to collect without providing this validation XXXX be a violation of the FDCPA, which I am prepared to enforce through all available legal channels if necessary. 
XXXX. XXXX XXXX XXXX ( FCRA ) : Under XXXX U.S.C. XXXX, I am demanding that you refrain from reporting this debt to any credit bureaus. If you have already reported it, please take corrective action to remove the entry, as failure to do so XXXX constitute inaccurate reporting in violation of federal law. 

Not only have they not responded within 30 days, they have continued to call my phone on a near daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXX : {$110.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint against Credit Collections Services to provide essential account-level documentation regarding an account they are attempting to collect from me. I believe this lack of transparency violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting the following key account details to confirm the accuracy of the debt they claim I owe : Date the account was opened with the original creditor Date the account was closed with the original creditor Date the account was sold to the current debt collector 2.

Missing Account History and Payment Records : I have also requested details regarding the payment history and charge-off status, specifically : Date of first delinquency on the account Date and amount of the last payment made Current balance on the account, including a breakdown of fees, interest, or additional charges applied Date the account was charged off by the original creditor 3. Communication Records with the Creditor : Lastly, I have asked for any records of communication between myself and the original creditor, including any previous disputes or resolutions. These records are necessary to ensure all reported information is accurate and compliant with consumer protection laws. Failure to Provide Documentation as Required by FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally notify the CFPB of fraudulent accounts and an unauthorized inquiry appearing on my credit report as a result of identity theft. I have previously attempted to resolve this matter directly with Experian, but the issue remains unresolved. As such, I am requesting the CFPBs assistance to ensure my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ) are upheld.
Product: Credit card

Hello, I was charged interest despite playing all amounts in full. I did n't realize that my interest free period was expired on XXXX, but automatic payments happen at end of the billing cycle. 

This is an unintentional mistake, please waive my interest amount just for this time. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion REFUSES to answer the question ; What is the definition TransUnion uses for the word Accurate? 

TransUnion has no requirement/need to access my files to answer this question. 

FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY
Product: Mortgage

We paid off our mortgage loan with Nationstar Mortgage on XX/XX/2016 and overpaid by {$190.00} in interest. As of XX/XX/2016, still no word and no refund check from Nationstar. 

Now imagine being late on your mortgage payment.
Product: Credit reporting or other personal consumer reports

I am submitting in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding this particular account in question : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update this disputed account. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated according to Section 1681i ( a ).
Product: Debt collection

I received a notification on XX/XX/2017 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them
Product: Debt collection

I received notification via my XXXX  account that a new collection item was being reported by Vance & Huffman LLC, the original creditor is being reported as XXXX XXXX XXXX XXXX, I spoke to XXXX a representative at Vance & Huffman LLC and was told that the account was originally opened in XXXX, and was sold to experiential credit collection agency in XXXX, and the account was purchased by Vance & Huffman LLC on XXXX of XXXX as a new account, I did not open up this account nor did I apply for the build card. 

Vance & Huffman LLC ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

Capital One Bank USA charged off my account and am reporting charge off on my account and providing a 1099-C. By law when companies charged off in an account they have already been paid and trying to collect the payment twice. Having a charge off on my consumer report is very damaging when trying to get credit. I spoke with them, and they refused to remove the derogatory account ff my credit report.

They keep harassing me sending constant emails about paying off a debt that they have already been paid for through a write off on their books.
Product: Checking or savings account

My Citibank ATM card was skimmed, and there were 3 unauthorized withdrawal on XX/XX/2022 for the amount of {$460.00}, {$1500.00}, and {$2000.00}. I saw the transaction and informed Citibank on XX/XX/2022. I explained that I was not around the city where the transactions were occurred. I am able to provide hotel bill. Citibank denied my request for reimbursement of the authorized amount. They did not provide any document to support their decision. I appealed one time and received the same decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX ( XXXX ) reported this month to Transunion that my account balance increased by {$3700.00}. 

THIS ACCOUNT IS CLOSED. THERE'S NO AVAILABLE LINE OF CREDIT LEFT FOR MY BALANCE TO HAVE INCREASED. UNLESS XXXX  ILLEGALLY ADDED A BALANCE TO MY ACCOUNT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX dated XX/XX/XXXX, XXXX XXXX XXXX datedXX/XX/XXXX and COMPASS BANK dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account on my consumer file.
Product: Mortgage

Wells Fargo has improperly handled my escrow refund in an improper application of my payments. I have sold a property, and the amount of the refund check should have been $XXXX. Instead they sent me $XXXX. Wells Fargo removed $XXXX  from my escrow account on XX/XX/XXXX saying it was for tax payment, but then they did not send electronic payment to the tax authority until XX/XX/XXXX. By that time, the property had been sold (on XX/XX/XXXX), Wells Fargo had been paid in full for the mortgage, and the taxes had already been paid out of sales proceeds by the closing attorney as is required by law. So, when the XXXX  County tax office received the duplicate tax payment from Wells Fargo, they immediately processed a full refund to Wells Fargo which was sent to them within two weeks (please see attached documentation for address to which this refund was sent.) That refund was now sent to Wells Fargo more than 5 weeks ago, and I have talked to them multiple times about this, but they are claiming they "can't find it." Even if Wells Fargo lost these funds through their own negligence, they still owe me $XXXX  because it is not my fault that they have a systematic poor business practice regarding escrow accounts (a closing attorney has told me she has seen this happen multiple times with Wells Fargo, but that it doesn't happen with other banks.) I have made a good faith effort to resolve them with them, including speaking with at least 7 different Wells Fargo representatives in addition to calling the County of XXXX  Office of the Tax Administration twice. I have also sent written complaints to Wells Fargo two times, once through their online system, and a second time via a letter (attached). Receipt of the letter was acknowledge by the representative in a phone call they made to me on XX/XX/2019, but they still have not assured me that they will refund me the money that they owed me upon the closing of my mortgage account with them. Some documentation is attached to this complaint. I have more documentation if you need it (more phone notes, more statements, etc), so please feel welcome to contact me. Thank you for your consideration.
Product: Debt collection

i have been harassed by phone and by mail, in which it is mail fraud, they have harmed me and my character financially for several years, this 3rd party debt collector ( PORFOLIO RECOVERY SERVICES ) falsely claims i owe them money b/c they bought several chargeoff accounts, which in fact were paid in full by the previous creditors insurance! they paid pennies on the dollar for these ( XXXX ) paid in full/chargeoff accounts and intends to fraudulently extort money from me, in which i have no contract with them or have never even had any dealings with them ai all!! contractually, one must borrow from that individual a certain amount o money in order to owe tem that amount of money, FACTS!! this company has always operated unprofessionally for a long time, many lawsuits have been filed against them for fraudulent behavior pertaining to their practices within the debt collection industry. i have been held back rom buying a home, getting other credit opportunites, credit offers and my reputation being tarnished only b/c they have constantly been reporting negatively and adversely on my consumer/credit report.i need them to stop harassing me by phone and by mail, i have sent them responses to their false claims and all they do is sell the same assumed debt to another one of their subsidiaries to start the fraud ball rolling again, i want them stopped, i want my credit report to be rid of XXXX XXXX!!!