23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They called me in XXXX about a XXXX XXXX credit card that was in my name that someone else apparently had been paying on or never paid on. Me myself had never gotten a statement from them at my current address that I been living at forever they never contacted me on the phone about this card until XXXX and obviously I was never linked to this card or they wouldn't have contacted me at this point and I assume they got my number out of old records after XXXX XXXX sent them this information because I've done business with Midland Credit Management through other companies. XXXX XXXX never contacted me not have I ever in my life had a XXXX XXXX Credit card. I told them all of these things and they even asked me if there was someone on my family that I know of that would have used my information. Clearly if I knew that I wouldn't be having this problem but they continued to harass me they repeatly called me just recently here in XX/XX/XXXX harassing phone calls and some in late XXXX after I told them Stop calling me, I never had that card and I'm constantly working over the road as a XXXX XXXX so that gets irritating I've pretty much reconciled all of my debt since I been driving so if that was actually my card why wouldn't I have reconciled that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page XXXX attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/2016 XXXX : {$2500.00}
Product: Mortgage

On my note with Caliber Funding LLC. Under section XXXX. BORROWER 'S FAILURE TO PAY AS REQUIRED section ( A ) of my note it specifies " If the Note Holder has not received the full amount of any monthly payment by the end of XXXX calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 4.00 % of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment '' On the statements Caliber Funding LLC. sends out it specifies " If payment is received after XXXX/XXXX/15, a {$28.00} late fee will be charged. '' I made a payment on XXXX/XXXX/15 and received confirmation of said payment in an email sent by Caliber Funding LLC. on the same day XXXX/XXXX/15 that specifically stated " XXXX Time Payment Received ''. Despite what my Note says and the statement says Caliber Funding LLC. still charged me a late fee for the month of XXXX 2015. I have noticed that they also charged me late fees for the same scenarios in previous months. I called Caliber Funding LLC on XXXX/XXXX/2015 to explain my issue on and the customer service representative did not understand the issue and referred me to the Note. She explained that Caliber Funding LLC charges late fees based on the payment draft date and i then explained to her that payment draft date is not mentioned in the statement letter sent out only payment received date.She then told me I would receive a phone call within XXXX hours from a senior representative. I did not received a call back until XXXX/XXXX/2015 the customer service agent explain to me he reversed my late charges but i explained to him that this affects all customers and is an unfair and deceptive practice. I also explained that no where in the statements I receive or the Note I signed does it say anything about payment draft date, it only mentions payment received date.He said he would take it under advisement. From talking to the XXXX representatives I do n't think they understood that Caliber Funding LLC. is breaking their own Note terms.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX Car Loan shows a late payment on my experian credit report. 
It was over XXXX  years ago and they continue to show the one late payment and it should have dropped off by now. It is the only late payment showing, and. It was never late it as short by a few dollars and they continued to show it. 
I want it taken off. Leave the remaining history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I had a complaint against Synchrony Bank where 6 inquiries appeared on my credit report which I did not authorize. An investigation was done and found in my favor. Synchony Bank sent me a letter dated XX/XX/XXXX, stating these hard inquiries would be removed. The dates of the inquiries were as follows : XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 The letter stated the updates to my credit report may take up to 60 days. At this point, it is well past 60 days and two of the inquiries are still on my report. The two inquiries still showing on my credit report are XX/XX/2017 and XX/XX/2017. 

I need these removed right away as these inquiries were deemed the actions of fraud in early XX/XX/XXXX. I am trying to get my credit report in better standing and feel I have waited well beyond the amount of time expected. I have also attached a copy of the letter from Synchrony Bank stating these would be removed.
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 Account # XXXX has violated my rights. 

XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX many many times and each time they state the problem will be taken care of. I have been using them for years and never had any problems. I had placed and removed a fraud/freeze alert on my account and even received the notifications from the bureaus of it being removed, yet anytime I attempt to purchase anything through XXXX  it denies me stating I have a freeze on my account. I like using them to avoid credit cards, and it is really terrible the customer service can not correct the problem, and no one responds via online even though it is always confirmed they have fixed the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 a company in which I am a XXXX XXXX XXXX, XXXX XXXX XXXX, borrowed funds under three separate mortgages from XXXX XXXX XXXX to purchase properties at XXXX, XXXX and XXXX XXXX XXXX XXXX in XXXX   XXXX, Colorado. Subsequently we were advised that you had taken over these mortgages. 

In XXXX I noticed that these loans appeared on my personal credit report, even though the loans are in the name of XXXX XXXX XXXX and title to the properties is in the name of XXXX XXXX XXXX. I called and spoke with a gentleman who said he would get it taken care of. Two of these loans appear on my XXXX  and XXXX  report, and three of them on my Transunion report. I have spoken to the company several times and sent a letter explaining the situation but the company is not fixing the problem.
Product: Credit reporting or other personal consumer reports

My account with those creditors 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 those account 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. 


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: Credit reporting or other personal consumer reports

FEDERAL LAW : This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate and invalidated information, 15 U.S. 1666b ( a ) creditor may not treat any payment late for any purpose, 15 U.S. Code1681 a ( 2 ) consumer report does not include reporting information solely as to transaction or experience, 15 U.S. Code 1602p the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the card holder who does not have the actual, implied, or or apparent authority for such and from which the cardholder receives no benefit. Remove all of these inaccuracies immediately. NARRATIVE : I AM, the victim of identity theft / fraud/ mail fraud. CERTIFIED NOTARY : Validated And Verified My Identity You are required to legally perform my request; and, block these transactions from being reported to my Consumer Credit Report within 4 ( FOUR ) Business Days, from the date of the
receipt of this notice. Lastly, I look forward to immediate deletion of these fraudulent accounts.

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to my transaction by me as the consumer : Negative Inquiries I have no knowledge of : You are required to legally perform my request; and, block these transactions from being reported to my Consumer Credit Report within 4 ( FOUR ) Business Days, from the date of the receipt of this notice. Lastly, I look forward to immediate deletion of these fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My XXXX passed away in XXXX. I am currently very XXXX and in a XXXX facility, with XXXX issues. My daughter XXXX XXXX has full power of attorney. This has been sent to Chase multiple times, including an original being brought to the XXXX branch months ago, and copies being uploaded through my account portal. 

Yesterday I tried to pay my XXXX via XXXX. My account was " frozen. '' I've been trying to unfreeze it with my daughter. No one at Chase will accept the power of attorney. I am told the only way I can " unfreeze '' it is to get a code to my cel phone -- I have never had a cel phone -- or go in person to a branch -- I'm XXXX and can not leave my facility. THAT'S WHY MY DAUGHTER HAS POWER OF ATTORNEY. 

I gave the person on the phone my date of birth, social security number, a picture of my driver 's license, my address, and so on. But I still can't pay my XXXX home bill -- Chase is holding my money until I go in person. 

I feel that this is a violation of the Americans with XXXX act. I would like Chase to reach out TO MY DAUGHTER as soon as possible. The XXXX  of the horrible person on the phone today has upset me too much. I understand you have to verify things, but I spent weeks getting all of my proxies and powers of attorney in place so I would not have to deal with these things, but Chase has decided to live by their own rules.
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 USC1681. 
these accounts 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 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

15 U.S.C 1681i-5- reinvestigate
Product: Credit reporting, credit repair services, or other personal consumer reports

First let me say none of the preselected questions quite apply. I am upset that after several years now of rebuilding my credit with NO delinquencies, nothing bad on my report and everything positive except I have used over half my credit amount. I used airline credit cards to buy material for my business then pay them off. Why the XXXX should using a credit card be a reason to lower a persons score? This system can not in any way properly rate a persons credit. I dropped XXXX points just because I used the credit I was approved for. There needs to be a change in this unfair credit score rating and it should be based on real reasons not some fictions creation ( most likely created by banks to raise ones rates )
Product: Consumer Loan

I purchased a XXXX 2 years ago. The loan needs to be looked. The lender is Capital One and the dealer is XXXX XXXX XXXX XXXX. The deductions for m, y trade in and the thousands of dollars in case I pt down were not applied correctly. I paid over XXXX for this vehicle, and have a XXXX dollar payment every month. The SUV has a loan balance of XXXX or so as of now. I was charged extra in fees and also given a higher interest rate, when it should have been lower. I lost my job and juts started working in XX/XX/XXXX. They say they have extended my loan but now Capital One is charging me excessive payments of XXXX and above. The interest on these payments seems higher as well. If I do n't pay I get threatened with repossession.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX XXXX no account number and the other XXXX XXXX XXXX again no account number I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and Experian. 
Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes.

Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above.

Removal or correction of the inaccurate information. 
An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 
Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 ) ( 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. Delete the accounts below : Creditor Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX, TransUnion. 
Creditor Name : XXXX XXXX Date of inquiry : XX/XX/XXXX, TransUnion. 
XXXX XXXX : XXXX XXXX, Date of inquiry : XX/XX/XXXX, TransUnion. 
Creditor Name : XXXX, Date of inquiry : XX/XX/XXXX, TransUnion.
Product: Debt collection

By statement dated XX/XX/XXXX, XXXX XXXX ( " XXXX  '' ) together with PHH Mortgage Services ( " PHH '' ), are illegally attempting to collect upon a mortgage debt that is time-barred as of XX/XX/XXXX pursuant to N.J.S.A. 2A:50-56.1 ( a ), as a result of the acceleration of my mortgage loan by Litton Loan pursuant to N.J.S.A. 46:9-6 as declared within the civil complaint filed in the Superior Court of New Jersey in Docket No. : F-34006-09 on XX/XX/XXXX, for an alleged default as of XX/XX/XXXX. 

By statement dated XX/XX/XXXX, XXXX and PHH are continuing the illegal servicing practices of Ocwen Loan Servicing ( " Ocwen '' ) by falsely declaring a default and acceleration as of XX/XX/XXXX, which : ( 1 ) contradicts the date alleged within the civil complaint filed in the Superior Court of New Jersey on XX/XX/XXXX in Docket No. : F-034006-09 ; ( 2 ) falsely implies payments were made for the months of XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) conceals approximately {$21000.00} in payments that I tendered, approximately {$16000.00} of which was cashed and not applied towards the above referenced account number starting the month of XX/XX/XXXX and thereafter. 

Despite my repeated notices forwarded to XXXX and PHH over the past 5-6 months regarding the aforementioned discrepancies along with the creation, trafficking and presentation of falsely uttered instruments by XXXX, PHH, Ocwen and their agents which set forth false claims of assignments of my mortgage loan, display forged signatures by imposters and false notarizations, and despite the binding consent judgments entered on XX/XX/XXXX in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, et al. ( Civil Action No. 13-cv-2025 ( RMC ) and on  XX/XX/XXXX in State of Alabama, et al. vs. PHH ( Civil Action No. : 1:18-cv-00009-TFH ), XXXX, PHH, Ocwen and their agents are willfully continuing to engage in unfair, deceptive and unlawful servicing and foreclosure practices in violation of the aforementioned consent judgments. 

The actions by XXXX, PHH, Ocwen and their affiliates has and continues to cause be severe emotional distress and trauma.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I initiated complaint XXXX XXXX with the CFPB regarding potential fraudulent actions related to a hard inquiry on my Equifax credit report. As a response, XXXX XXXXXXXX XXXX Executive Response Team sent me a letter confirming that the hard inquiry was not initiated by me. 

However, the credit report wasn`t adjusted and I initiated additional complaint XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Equifax Bureau responded to this complaint with the following : " ... XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE XXXX XXXX XXXX XXXX XXXX XXXXXXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE ... XXXX '' Based on several resources ( XXXX XXXX XXXX XXXX XXXX' is one of them ) the address from the credit report ( XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) XXXX XXXX ( what stands for " XXXX XXXX XXXXXXXX XXXX '' ) and refers to XXXX XXXX Credit Bureau Dispute Center XXXX 

As the company states " ... THEY ( " INQUIRIES '' ) ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. 

However, having the inquiry mentioned above it is not equitable as it disproportionately reflects the plausibility of the situation due to the result of the fraud investigation by XXXX XXXX