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

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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: Mortgage

The company that is servicing my mortgage, Franklin American Mortgage, notified me today through U.S. mail that they have sold my mortgage to another company, XXXX, XXXX. The effective date of this transfer isXX/XX/XXXX. The date on the notice FAM sent me is XX/XX/XXXX, but the law pertaining to this, 1024.33 ( b ) ( 2 ) ( ii ), states clearly : " ( T ) he transferor servicer shall provide  the notice of transfer to the borrower not less than 15 days before the effective date of the transfer of the servicing of the mortgage loan. '' Having received the notice only today (XX/XX/XXXX ), the transferor servicer did not comply with the requirement of the  applicable statute. The fact that the notice may have been written prior to the 15-day window is irrelevant. Franklin American is required that I have such notice in my hand at least 15 days prior to the change is the relevant factor, and they are not in compliance with the statute. The company had many alternatives to ensure that I received this notification in a timely manner. Sending the notice via overnight mail would have gotten it to me within time, as would them calling me or emailing me. My profile with their company includes all my current contact information, and there is also a message tab on my account where they could have posted this notice. They did none of these things, insuring that I would receive notification late. The timing of this transfer is problematic. I get paid once monthly, on the XXXX. I have set up a recurring payment to come out of my account automatically, but I must cancel these recurring payments several days in advance, and they rarely post to my account until the XXXX, which is the date the notice indicates this transfer will become effective.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX {$420.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve fraud on my credit reports since XX/XX/2021 with XXXX, XXXX, and Equifax. My requests have been automatically verified, even though I have called and filed an identity theft report with the FTC. I also filed a police report with my local police department.
Product: Checking or savings account

USAA made an unauthorized EFT reversal from my checking account fir XXXX. They did not have my permission to make this reversal. It says it's for " XXXX XXXX XXXX XXXX XXXX " No one at USAA has any idea what this for. I have no open claims on my auto policy. I did not give them permission to make this reversal.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the disputed information on my credit report. As a result, inaccurate and unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not properly notifying consumers of dispute outcomes. These issues directly align with my own experience, as Experian has failed to correct or remove the disputed items despite the evidence I submitted. This ongoing inaction continues to harm my credit standing. 

I am requesting immediate corrective action to remove or amend the following disputed accounts : XXXX Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XXXX/XXXX/XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX Account XXXX : XXXX Account Type : Auto Lease Responsibility : Individual Date Opened : XX/XX/XXXX Balance : {$21000.00} Additionally, there are numerous inquiries that need to be addressed. These include : XXXX XXXX XX/XX/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 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 Experian 's failure to resolve these disputes constitutes a violation of federal law and my rights as a consumer. I demand immediate action to correct these inaccuracies and remove any unverified items.
Product: Debt collection

US Collections, a collection agency is trying to collect monies that I do not owed to their client, XXXX at XXXX. I sent three letters back in XXXX, XXXX, & XX/XX/XXXX ( letters attached ) to validate the debt, they were not able to do so. I requested to be removed from their records and credit bureaus as there was no basis for this collection. 

I never received any correspondence from then since XX/XX/XXXX, therefore, I assumed this had been taken care of. However, on XX/XX/XXXX I tried to apply for credit, and it showed a negative mark in my credit report from US Collections for an amount of {$7000.00}. This has hurt my ability to obtain credit. 

Briefly, I broke my rent lease with their client, XXXX at XXXX, an apartment complex, due to they fail to reply in compliance with A.R.S & 33-1321. Their client did not render a judgement against me ( which I was looking forward to resolve this in court ) instead they assigned this claim to US Collections.
Product: Mortgage

In XX/XX/2016 I filed bankruptcy, signed a reaffirmation agreement as required by law with Nationstar, They charged a {$250.00} legal fee, without discussing said fee with representation nor is this located anywhere in the reaffirmation agreement or loan paperwork. I filed a formal complaint with what is now Mr. Cooper, # XXXX. 

Lenders should not be allowed to cover their own legal costs, especially when the consumer could have made the mortgage part of the bankruptcy but chose not to, by passing illegal fees on to the consumer. I never agreed in any way to said fees not did my attorney. 

I appreciate your help in this matter and I am sure this company, whose reputation is already so bad they had to change names, has done this to many consumers illegally because they could n't interpret a mortgage agreement out of a wet paper bag. 

Appreciate your time, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have had multiple accounts with wells fargo for many years; including personal checking, personal savings, personal credit, business checking, business savings, and more. In 2015, I was sent a letter informing me that all my accounts were going to be closed in 30 days. I contacted wells fargo branch, HQ, and risk department and nobody was able to provide me with a valid answer to why the accounts were being terminated. I had to go through a lot of hassle to transfer my business dealing to another banks. All my account were in good standings, no unlawful or fraudulent activites ; all 100 % legal business related transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly report a balance in my Report. I have asked XXXX, XXXX  and Experian to investigate. After an investigation XXXX  and XXXX  removed it but Experian left it. I called Experian and requested that they validate the debt I never acknowledge that I owe this company as they are trying to bill me 2 month of rent for not renewing my contract with them. They were aware I was not going to remove my contract and I paid them before I move out. I filed a complaint against XXXX XXXX with CFPB, they are not answering as they are trying to force me to pay XXXX. I am filing a complaint against Experian as they are not doing their due dilligence to validate the debt. I want to know how they confirm that I owe this collector XXXX. When I did not have a contract with them and I never agree that I owe them and I paid them at the end of the lease.
Product: Debt collection

I am being harassed by a debt collection company called Northstar Location Services LLC, looking for someone with the same name as me. My wife and I have verified that we are not the individual for which they are trying to collect a debt, yet we are harassed every day by this company. I spoke to an individual named XXXX XXXX tonight and he tried to tell me I owed money. I told him I was not who he was looking for and verified by year of birth. When I asked to speak to XXXX 's supervisor he hung up on me. I want this company to cease the harassment of my family. 

http : //www.thenorthstarcompanies.com/
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud, within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes : 1 ) A personal credit card account opened at XXXX XXXX on XXXX under Account # XXXX : 2 ) A personal credit card account opened at XXXX XX/XX/XXXXon XX/XX/year> under Account # XXXX ; These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question, as well as a copy of my consumer FICO credit report maintained by your agency, showing the aforementioned fraudulent items. 

I do not recognize the accounts, collections, or hard inquiries as reported. None of the accounts, collections, or hard inquiries appearing on my consumer credit report were opened, made, or initiated by me. All of these are the result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint ( private case number ) as proof from the U.S. Federal Trade Commission that the accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited a dispute through XXXX XXXX, on XXXX XXXX, 2017, and also with XXXX XXXX. SANTANDER is reporting 30 days past due every month, on my reports. Which is making my credit look bad, I 'm really trying to build my credit!!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I sent an id theft affidavit to Trans Union to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section XXXX clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. I explained to the XXXX XXXX dispute representative that i had XXXX, lost a family friend and faced a financial hardship loosing my job due to the pandemic layoff and my personal condition. 
I even provided my positive XXXX tests to show that the times I had XXXX were in alignment with late payments. I also opened a credit card account with them with automatic payments set up so I could continue a more positive relationship with them. 

The XXXX XXXX XXXX credit bureaus XXXX told me if I provided a good will letter and supporting documents, then they would notify credit buraus and remove it from my credit report. Unfortunately, this was not fulfilled and XXXX XXXXXXXX continued to report a charge off/collection. Because of this, my credit scores were impacted negatively. Negatively impacting my credit score after an attempted dispute is a violation of my consumer rights.
Product: Debt collection

Lexington law had a person that used my information. Also XXXX XXXX had all my information including my banking information as well as picture of my Identification/Driver 's License so I know for a fact that this bill isn't mine and I do have the proof if you need to see it. I didn't know until this year that any of this went on. I also notified the IRS to put a flag on my income tax because someone's using my number to do income tax as well. The IRS as well had contacted me because of the fraudulent activities as well. Again I am still working with IRS to get all of this straightened out. Please help me solve these problems because as you see I pay my bill on time every time.
Product: Money transfer, virtual currency, or money service

Someone got hold of my information, and sent XXXX transactions that i did not authorize and bank of american will not give me my money. They sent {$4900.00} of XXXXXXXX XXXX  transactions in total.
Product: Mortgage

This is an ongoing complaint that I have refiled for assistance to resolve. My last complaint in a series to this one is XXXX. The mortgage owner/ financing institution are not being honest and direct. They are providing misleading information that is changing the actual terms of the mortgage loan and the unpaid principal balance. They are also avoiding trying to offer a solution to resolve the arrears through a loan modification by their misrepresentation and failure to honestly communicate with the borrower or legal representation for the borrower, being me. 

They are solely referring to the accelerated mortgage amount as the unpaid principal balance. They are in actuality, stealing my equity and future payments for profit off of my misfortune through a new predatory practice. I have attached their own unpaid principal balance summary which shows I owe {$280000.00}. 

In their resolution letter to you, they misrepresent this amount to be {$480000.00}. This is a lie to steal and profit on the misfortune of the borrower. This tactic is not outlawed directly, but goes against the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. No institution should collect more than the actual debt a person owes.
Product: Checking or savings account

account frozen on XX/XX/XXXX called XX/XX/XXXX to unlocked, and frozen the same day called XXXX said it was under investigation. 

called the XXXX, 4 times got hunged up 3 times trying to find out what was wrong with my account was told to call back tomrrow called the XXXX was told someone had already talked me about it, got hung up again called the XXXX, was just told it was still under investigation
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I was charged {$29.00} per month for a Coinbase One subscription over 25 months, totaling {$740.00}. I did not knowingly sign up for this service, and I have no record of authorizing these charges. The first charge occurred on XX/XX/XXXX, and I discovered the recurring charges in XX/XX/XXXX when reviewing my account. 

I contacted Coinbase support to dispute the charges, and after multiple escalations and discussions, I was informed that Coinbases policy allows only a one-month refund, which was issued on XX/XX/XXXX. I requested documentation proving my consent or any agreement authorizing this subscription, but Coinbase has not provided this information. 

I believe these charges were unauthorized and possibly the result of unclear or deceptive practices. My subscription has since been canceled, but the matter of the unauthorized charges remains unresolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and his team at DOGE have illegally gained access to my personal data. these actions violate FERPA and thereby nullifies the contract I signed when applying for the loans. because of these actions, my student loans totalling over XXXX should be cancelled.