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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im in a Direct Violation of The Fair Credit Reporting Act XXXX : ( XXXX ) Avant LLC/ WEB BANK ( XXXX ) XXXX ( XXXX XXXX XXXX : ( XXXX XXXX ) has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly stated that I have the right to privacy.

15 U.S.C1681 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 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Please Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting ACT/
Product: Debt collection

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my consumer report that are not mines or account status is Incorrect I have family memeber who have the same names as me I also have submitted documentation to show where errors are on my report I recently found out that I was involved in Equifax data breach as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute letters to Equifax regarding a XXXX credit card account reporting on my credit profile. I sent a certified letter requesting Equifax 's method of verifying and investigating the account with no response. Disputes are opened and then closed within a few days with no explanations. I spoke to a representative and a supervisor from Equifax and they stated a thorough investigation was not conducted except sending the letter through XXXX The information that was returned was an address associated with the account that I am unfamiliar with and have never resided at along with other information that did not match my credit file nor belong to me. I immediately filed an FTC report for fraud once I learned of the information and filed another dispute with Equifax. This account STILL remains on my credit profile when it should have been deleted. Equifax failed to conduct a proper and thorough investigation as requested for this account. This has continued to have negative effects on my credit profile from their negligence in looking into the matter.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due lag, posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal credit Union for similar practices were transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair. And I requested an investigation Into my account transactions.
Product: Checking or savings account

My husband died XX/XX/XXXX. I talked Bank of America on XX/XX/XXXX at the branch at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I gave them a copy of the death certificate. They ordered the paperwork from estate services. On XX/XX/XXXX, I called to find out were the paperwork was. They said I would get it on the XXXX. I received the paperwork on XX/XX/XXXX. I filled it out and got it notarized on XX/XX/XXXX. I mailed it in the same day. I hadn't heard anything, so I called them on XX/XX/XXXX. They told me I forgot the zip code and filled in too much areas on the letter of instruction, They told me they would send me another form. I called them on XX/XX/XXXX, they told me they had not sent the form yet. On XX/XX/XXXX, I went to another branch and filled out another letter of instruction. They faxed in the form. Then they called the estate services to see if anything else was required. They said all paperwork was received and should get the money in 2 weeks. on XX/XX/XXXX, I received a letter from Bank of America stating they needed another copy of the affidavit for collection. I called them XX/XX/XXXX and said it was turned in XXXX. They said they would put it to a second review.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts show closed on my credit report. 
XXXX Closed XX/XX/XXXX Account was never used and I never opened it. XXXX Department Store sent to collections right away before I could pay the balance of {$300.00} and shows closed on XX/XX/XXXX, XXXX XXXX XXXX   Closed XXXX XXXX  XXXX XXXX, XXXX. I believe I am a victim of identity theft I have had numerous collection companies calling my work and colleagues threatening to take me to jail if I don't pay. I have disputed these accounts. I also had an account with XXXX   which no longer exist and I took a second loan out to pay the date with XXXX and paid them off but now I have another collection company who said they bought the bad debt which was paid off 10 years ago but XXXX was original creditor which I did not take a loan with them and a new collection company is XXXX XXXX XXXX opened collection on my account XXXX XXXX, XXXX saying I owe them XXXX which I am disputing. XXXX XXXX says I owe them {$730.00} for not returning cable equipment which was returned and they sent account XXXX XXXX and I am disputing but constantly get the run around. XXXX XXXX I had my second with them my first was with XXXX XXXX. They gave me the run around when I was trying to save my home XXXX XXXX XXXX XXXX XXXX, Ca XXXX. They never gave me options to save my home and I went with a lawfirm that I believe was in cahoots with XXXX. My home was foreclosed XX/XX/XXXX. So XXXX   and no where to go with my XXXX children. I found a realtor to help my find a home to rent. XXXX wrote a letter to stating the second was paid in full and that foreclosure would not be on my account which I thought was weird at the time. XXXX paid off my first with XXXX and continued to give me the run around and said the only way I could save my home would be to pay the loan XXXX which was impossible. I was past due {$51000.00}. I asked if I could reschedule payment of {$1500.00} and they said no. I was try to get back on track.Then I see that CFPB filed a suit against them for the exact same thing that I went through in XXXX, XXXX, XXXX. I was never contacted about the lawsuit. XXXX XXXX @ XXXX XXXX XXXX XXXX  Ticket # XXXX wrote a letter stating mortgage was current and paid in full and would not put foreclosure on credit and it is on it. I am trying to buy a home and now it appears. I lost my home and 17 years of equity because they were giving me options and paperwork and then stating certain things had to be done. CFPB File No. XXXX and identified the that they were in violation. I never received any payment from XXXX only a letter stating that my loan was paid in full. I am hoping CFPB can help me restore my credit so I can buy a home and move forward.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1666 ( b ) - The truth and lending act and 15 US Code 1681 - Bankruptcy Law. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

i have sent disputes and proof of payment to all XXXX credit bureaus regarding XXXX accounts the arent accurately reported. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) and XXXX XXXX. These accounts she be reflecting as XXXX. 

XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX
Product: Debt collection

I am a victim of identity theft. I never opened this account. 

sunrise credit services {$190.00}
Product: Mortgage

I started the modification process with roundpoint, they are giving me the run run around for the longest time first they give me a one year trial after making my fith payment they disqualified me because the allegedly did not received one of my payments know every week they send a missing items letter with something different every time. I really need resolution my wife is going through XXXX and I 'm sick XXXX. Please help me! My name is XXXX XXXX loan # XXXX
Product: Credit reporting

I sent a 609 letter to TransUnion asking that reach out to who is reporting this information and provide me proof of verification that this account belongs to me which. All they responded with was account verified and I know by law they have to send me something in writing that proves it is me. So they updated my report with false information.
Product: Credit reporting or other personal consumer reports

Upon Checking My credit report I noticed inaccurate information regarding my personal information. On my Equifax account it is reporting a different persons name, address and accounts. for this reason I am requesting my account get update with my correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/21 from United States XXXX XXXXXXXX XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX, XXXX, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX several times to all XXXX  credit bureaus. 
.All have used stall tatics and letters of correspondence not to process or fully process my dispute, Now that I have contacted the source of the court on my own behalf and received notice that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX XXXX XXXX XXXX and XXXX and they are using and retrieving data information from a " third party '' verification system, which my letter of verification has come directly from the source listed on my credit profile. 

Not that I have gone to Lexis Nexis they want to stall the process dispute as well it looks because they are claiming to need " Additional Documents and information to authenticate my identity. So I am attaching proof of identity to promptly process this complaint because it is clearly a violation of 1681 ( a ) ( 5 ) to keep reporting it on my credit profile, considering it does not require an reinvestigation. I would appreciate your response promptly. I should not be still fighting this issue another year later. 
I have attached XXXX or more copies to authenticate my identity to process my complaint.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. XXXXXXXX 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

Institution : FNBO XXXX XXXX XXXX XXXX, XXXX XXXX Dispute of Validity for Account ending in XXXX On XX/XX/year>, I sent a debt validation request under the Fair Debt Collection Practices Act ( XXXX  ) to dispute the validity of a debt. In my letter, I requested the following information : - Name and address of the alleged creditor - Name on file of the alleged debtor - Alleged account number - Address on file for the alleged debtor - Amount of the alleged debt - Date the debt became payable - Date of original charge-off or delinquency - Whether the debt was assigned or purchased - Amount paid if the debt was purchased - A signed agreement proving my obligation to pay the creditor - Debt XXXX Response On XX/XX/year>, I received a response from the debt collector, First National Bank of Omaha XXXX but it only included statements of charges. The response did not include the requested validation details proving I owe the debt. 

Follow-up Request and Lack of Response I sent a second letter requesting the missing information, including : A signed agreement proving my obligation to pay - The alleged account number- The date the debt became payable - Whether the debt was assigned or purchased - The amount paid if purchased- The original and current terms & conditions- The name and address of the original creditor - Despite this follow-up request, I received no response. 

The debt collector has failed to provide proper validation within 30 days, violating my rights under the FDCPA. Since they have not verified the debt, I am requesting that this debt be removed from my credit file immediately, and a copy of the deletion request be sent to me. 

Letters were received within XXXX business days ( were sent with registered mail and received by FNBO )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm perplexed to find out that the 3 major credit reporting agencies [ transunion, XXXX, and XXXX ] hasn't responded or resolved the issues that I have constantly sent to them. I've noticed that there are multiple inaccuracies, and errors on my credit report which i've attempted to contact both credit bureaus, original creditors and the debt collectors. I haven't received any responses from them and would like amicable resolutions into these accounts. 

I'm certainly not aware of the following accounts and I don't believe I was ever late on them .... 

XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX   # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Vehicle loan or lease

There are several billing errors in my contract. Under 15 USC 1640 Claim, you have failed to comply with these requirements and are in violation of these laws ( listed below ) : Plain Statement of Facts Fact, the Truth in Lending Act is intended to inform consumers about the cost of credit. 
Fact, the Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

XXXX. Violation # XXXX - XXXX XXXX XXXX failed to provide proof of FULL DISCLOSURE to all matters dealing with the above loan and said agreement and contract as required by law in the Truth-in-Lending Act pursuant to 15 USC 6803. The law states I need to give written consent to give out my private information. It was sent to a third-party affiliate for approval, which is a violation because I didnt consent to it. The original lender willfully committed fraud of inducement in executing the contract through their lack of full disclosure. XXXX believes there is no proof to the contrary. 

XXXX. Violation # XXXX - XXXX XXXX XXXX brought forward and loaned its own 'CREDIT ' within the Transaction/Contract. Banks do not have the authority to create nor loan out credit and have committed unlawful acts of fraud and have violated SEC rules and regulations. XXXX believes there is no proof to the contrary, according to 16 CFR 433.1. The purchase money for the loan was already paid for when I put my signature on the documents. According to, 18 USC 8, all debts public or private are the obligation of the United States. 

XXXX. Violation # XXXX XXXX XXXX XXXX XXXX several violations : It wasnt a sum of all charges, my insurance is not included, and it was not cash in hand. Also, XXXX XXXX XXXX also violated my rights when they called me about the debt on several occasions, which under act 15 USC 1692 is a violation. 

XXXX. Violation # XXXX XXXX XXXX XXXX XXXX an illegal act under 15 USC 1605A by taking my {$10000.00} down payment on the car. It is against the law because this is a part of the finance charge. 

XXXX. Violation # XXXX XXXX XXXX XXXX committed an illegal act under 15 USC Code 1605 with the XXXX XXXX XXXX XXXX because it is NOT THE SUM OF ALL CHARGES and a finance charge can only be paid for money in hand. 

Under act 15 USC 1640 Relief, you are civically liable. 16 CFR 433.3 also states that only sellers that are exempt from these laws/codes if the consumer credit contract was written before XX/XX/1977.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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: Debt collection

They refuse to accept the fact that I'm not liable for the medical bills that was supposed to be paid by the insurance company due to an automobile accident Lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX Company Inquiries : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me..  XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX .. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights