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

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order Against XXXX XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against XXXX  XXXX for multiple violations of federal laws and regulations, as well as against Equifax, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX  XXXX continued to furnish information related to my account to Equifax, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX XXXX has breached its own terms and conditions by sharing my information with non-affiliates, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by Equifax, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the adverse and update to paid as agreed and cease all further reporting to Equifax, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, Equifax, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I am having a problem with my XXXX XXXX XXXX LoanCare. I recently successfully completed chapter XXXX bankruptcy. I have made all of my payments and my loan servicing place is harassing me daily telling me i havent paid. I have bank statements and proof of all payments. I have spoken with 3 separate phone reps and 1 manager. All wgo have supposedly identified the problem ON THIER PART and promised to submit this and that to correct the issue only to never have anything fixed. I last spoke with the manager one week ago on Friday. Today I was notified from my credit reporting agency that they have reported me as over 30 days delinquent on my payments. I have contacted my chapter XXXX bankruptcy attorneyAnd I'm filing a formal complaint with you guys.
Product: Credit reporting or other personal consumer reports

I am disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments.I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. Please have these accounts updated : XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was to receive a XXXXXXXX XXXX  sent of money from a XXXX XXXX who friend my on XXXX and what was to be in the box was money and rings for us. From his job and the company he hired to delivered the XXXXXXXX XXXX of money had me send money to them to deliver the box and I was scam out of all my money and my family and kids savings too. The company name is XXXX XXXX and the manager was XXXX XXXX whom had me sending him the money and never delivered the box to me it was all a romance scam by XXXX XXXX and the company and XXXX XXXX Im trying to retrieve my money back however it can be.
Product: Credit card

In XXXX XXXX XXXX I contacted discover card to confirm that my auto pay was canceled. it was confirmed by the wreck as well as my app that it was canceled. a few days later out anyway through auto pay. I contacted them and they refunded me the {$200.00} that was not supposed to come out. I recently wanted to confirm again that it would not be coming out after I spoke to a rep in the executive office in reference to making sure this didn't happen again. we confirmed it I have an email that shows that it was done. however, another autopay payment went through again in same amount of {$200.00}. 
In addition to recent mishandling of my trust. I have no choice be to file complaint here and with Office of Attorney Generals office. I don't trust Discover anymore. They also allowed for a debt transfer check to be used without any security measure for identity theft that took place last year. 
I make 2 substantial payments a month to get debt paid off. It's is disgraceful how greedy Discover is.
Product: Credit reporting or other personal consumer reports

My account with 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 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 months that are reported 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. 


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
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card at XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at First Premier on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX, XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

When I discovered someone had used my personal information to open fraudulent accounts I obtained a copy of my credit reports and discovered one of the fraudulent accounts had been opened with Bank of America on XX/XX/2017. I contacted Bank of America by mail and phone to report the fraudulent account and to inform Bank of America someone had also attempted to file a bankruptcy petition to cover up the fraudulent applications and accounts. I also requested a copy of the fraudulent application for my police report. Bank of America ignored my requests and stated since the information used to open the account matched my information then the account was mine and they refused to delete the fraudulent account.
Product: Credit reporting

Have XXXX on my credit report there is no XXXX in my area, plus have not had cable for almost 2 years. Was not me. Have been a victim of identity theft in the before, might be related. Person who stole my identity was prosecuted. Please remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have placed hard inquiries on all three credit bureaus without my consent, knowledge, or authorization and I do not have any accounts with them or have done any business with them. Please remove these inquiries as soon as possible. I have contacted these companies via certified mail but no response or action from their part has been taken. 

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 XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX 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 - 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, XX/XX/XXXX XXXX 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 XXXXXXXX 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
Product: Debt collection

I was visited for a salesperson at home to obtain solar roof at no cost with money incentives. 
Complextion of the work never happened as promised there are involved three companies originating company XXXX XXXX with XXXX XXXX XXXX said she was a victim of fraud Installer company Suntuity, they never installed the equipment, they are Bankrupt now Goodleap financing company, they are the ones collecting now.send, me to the XXXX XXXX as defaulting.and threats to put a lien on my house. 

Thanks Details are uploaded in pdf.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XX/XX/year> Personal Information : NAME : XXXX XXXX NAME : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX  EMPLOYER : XXXX XXXX EMPLOYER : XXXX  EMPLOYER : XXXX XXXX XXXX
Product: Mortgage

I am currently fighting with shell point mortgage company about the foreclosure of my property, i called 2 times the week of XXXX/XXXX/2016, spoke to XXXX different representitives from this company. i wass assured by both repersentives that after the last {$1000.00} + {$1600.00} i had prviously sent in that there would be no other fees and i would not be in foreclosure. Only to find out on XXXX/XXXX/2016 that they returned the {$1000.00} and that there were infact more attornies fees, so now i am back in foreclosure and having to pay {$2500.00} to save my house from foreclosure. So when i called they said that the intial {$1600.00} i paid had infact been applied to my past due balance and that i still owed more money even though XXXX seperate representives stated that it would not be the case. it seems that they are gouging someone who is struggling to save their home. i am considering taking legal action against this company.
Product: Debt collection

I cancelled a contract with XXXX XXXX XXXX XXXX ( Company ) that had been fraudulently opened by an agent of my business without authorization in my name. The contract was opened in XXXX. I called in XX/XX/XXXX after receiving access to the business e-mail and seeing they were still charging me for the account. I had paid all fees prior to this, despite not being responsible, as they were being withdrawn from my business account. XXXX XXXX XXXX XXXX sent an e-mail on XX/XX/XXXX stating that my contract had been cancelled. They made no statement of debt owed, or fee for cancellation of ser vices. After cancelling the contract, they sent a bill for collections in the amount of XXXX, for this years ( XXXX ) service contract. I disputed the collections with the collection agent, RADIUS GLOBAL SOLUTIONS, LLC, and asked for validation of the account. They sent back a very basic invoice with minimal information other than public information. I have made several attempts to contact XXXX XXXX XXXX XXXX  to dispute the information with their fraud department, but they kept transferring me to any department except ( CS, Tech Support, Accounts Receivable, etc. ) They have been totally unreasonable in contact attempts, and have threatened harm to my credit by sending this account to a debt collector. They also charged an unreasonable fee bordering on predatory for their service in comparison to several other similar platforms that I have recently researched.
Product: Payday loan, title loan, or personal loan

TD Auto Finance lost the Title to my car after I completed paying the loan.

TD Auto Finance has been awful at communicating or providing appropriate paper work for me to obtain a duplicate Title. I have spoken with the people who answer the 800 number at least six times over the last 3 months. They often can not provide information on the status of my Title or paperwork to replace it because that information is with the Title Department and they can only pass my questions or requests along. All the while my vehicle depreciates and I can not sell it. This has been a frustrating experience. I made all of my loan payments on time to completion last XXXX. 
TD Auto Finance has been and continues to be awful to deal with. 
I have yet to receive the appropriate Lien Release Letter that would enable me to go to my local DMV to replace the Title they lost. I am sure I will have more frustrating phone calls until this is resolved or I will have to hire a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my credit report I do not recognize : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX 8 ) XXXX XXXX XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX 9 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 10 ) XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX 12 XXXX XXXX XXXX XXXX  XXXX XXXX 13 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 14 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 ) XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 17 ) XXXX XXXX XXXX XXXX  18 XXXX XXXX XXXX XXXXXX/XX/XXXX 19 ) XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 20 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 21 ) XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a text on XX/XX/2020 at XXXX XXXX cst informing me of my attorney to contact national recovery. I have never heard from them or spoke with them before that day. I was asked to contact them at XXXX which I did. I verified my phone number and social security number with the representative. She informed me this was in reference to a debt that I had with XXXX XXXX XXXX some time ago. I was told there is an outstanding balance owed of {$800.00} and was asked if I had committed fraud against XXXX XXXX XXXX or did I run into a financial hardship. 

I can not remember the representative name but she sounded as if she was from XXXX or somewhere in that region, she offered a settlement of {$500.00} and I informed her that I could not pay that today. She asked if I could pay {$200.00} a month and I said no, then she started to get aggressive and I said {$150.00} a month I believe I could handle that. I proceeded to ask her for a letter in writing stating this payment plan, so I could have proof from their company in writing and she refused. She became hostile and verbally abusive to me. She stated that I just needed to give her my bank card or information. She would not allow me to explain why I was not comfortable with handling this matter this way. She then proceeded to tell me that I should get an attorney and that she is logging this conversation as a refusal to pay. I did not get a chance to say another word, because as I attempted to dispute her remark that I was refusing to make arrangements she hung up in my face. I have never in my life been treated so terrible and I know that is not in compliance with FDCPA laws and that I have rights as a consumer. I ask that you please assist me by investigating this company and their tactics. The representative also stated that she was in the legal department. Lastly the representative stated that she is turning my file over to the clerk of court office.
Product: Credit reporting

I 'm have been disputing account with XXXX XXXX acct XXXX XXXX account and XXXX XXXX XXXX financial that was deleted 12 times Experian is real slow on disputing they send me letters stating if I do n't show proof they will stop disputing these accounts according too the fcra they will dispute 24-7 365 that 's the law and theres ally loan sum of {$37000.00} not mine some one with similar name I have deleted the XXXX acct that 's why it only has XXXX didgit account XXXX due too been removed 5 times know back on XXXX XXXX XXXX was deleted 12 times back on ally for sum of {$37000.00} deleted 5 times XXXX credit card not mine some one with similar name deleted 4 times all these are back on XXXX was sued XXXX fdcpa vilotation lawyer asked me not too state there name at this time Experian does what they want they neglect your dispute its legal dispute letters from attorney general office even from there credit montoring I guess they scam people I was promised 24 months of free credit monitoring from them due too identity theft got nothing from them they know I 'm victim been sent numerous letters too there XXXX XXXX office and XXXX office as well I 'm trying too get my life back 12 months ago I was XXXX fico know I do n't know they want provide me with score with all this mess going on please help me thanks
Product: Credit reporting or other personal consumer reports

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 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a fraud alert thats been on my credit with instructions to not allow anyone to pull my credit on the fact Ive been saving for a home. Ive seen a crazy influx of credit inquiries recently on my credit report. Ive gone through this before and now its happening again Almost all XXXX car inquiries how can they do this to me when i made sure that no one would be able to obtain credit in my name again or so I thought. How Can this happen and it looks like multiple credit app same company i want justice ... seems as few month they letting someone apply for credit and sad part we just we through this last year XXXX XXXX XXXXY XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALSO IVE REQUESTED THAT I HAVE THE AUTHORIZED USER ACCOUNTS REMOVED TO NO AVAIL IVE BEEN TERMINATED OFF THESE ACCTS XXXX {$4400.00}
Product: Credit reporting or other personal consumer reports

Accounts XXXX and XXXX were unable to appropriately verify information. XXXX management is reporting medical debt and is in violation of XXXX