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

XXXX XXXX XXXX has constantly published incorrect data on my personal consumer credit report in error. I have made experian the company that is reporting false information aware of the problem and they keep changing the information around as long as it has some negative connotation. I have several copies of my experian report ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) over the last few years where the company has posted so many different variation of similar information. In my last letter to experian Ive requested that they send me a description of the procedure used in the reinvestigation, as far as I know they should complete my request within 15 days. Would the CFPB please insure that the consumer reporting company experian send me that explanation defining the procedure used in a timely manner. It was sent certified mail " XXXX XXXX XXXX XXXX XXXX '', on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Refer to claim XXXX CFPB is expected not only to dispatch letters and documents between complainants and defendants, but to provide material input to the raised dispute. CFPB is not supposed to act as a courier between the parties. With this regard, we require CFPB to re-open the case and to resolve the dispute with a formal decision after consideration of all facts and evidence presented. If CFBP is not competent to do so, we expect CFPB to refer the complaint to a competent authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal information, delete the accounts violating the FCRA and delete the unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference 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 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

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account XXXX 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.
Product: Mortgage

I received a letter from XXXX XXXX XXXX who purchased my loan. The letter states that I have not paid my mortgage payments as promised and delinquent in the amount of {$12000.00} I have never missed a mortgage payment in the amount of {$1100.00} that I've had since 2007. 

I believe this is an attempt to have my property taxes escrowed that I have opted out of by email and phone calls. 

I have sent this new mortgage company an email response, however, they refuse to respond. 

My mortgage payments are paid through my financial institution and I have proof of each mortgage payment of {$1100.00} In my time as a homeowner, never had any issues with a mortgage company, and never missed a payment. 

I have paid my property taxes through my financial institution and have documentation proving such. It's my belief that this new mortgage company is attempting to force me in to escrow by alleging that I missed payments and threatening to foreclose! 

Thank you and I look forward to hearing from you.
Product: Credit card or prepaid card

A few days ago I noticed that our account is being charged something called " Card Security Fee, '' which I never signed up for and never authorized. When I called Synchrony to have them refund the fees, I was told to call the " Card Security Customer Care Center. '' I called the number I was given and spoke with  XXXX . I explained my situation and also mentioned that I was taping the call. She said she could not talk to me because I was taping the call and hung up.  <P/> Additionally, I have been charged interest on top of the bogus  Security Fee.
Product: Debt collection

XX/XX/XXXX Received a letter from Meade & Associates saying I owe {$250.00} to XXXX Ohio XXXXXXXX XXXX XXXXrom a service on XX/XX/XXXX XX/XX/XXXX sent a dispute via email to XXXX XXXX XXXX requesting the following- XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including a detailed, itemized breakdown of the {$250.00}, also specifying the principal, interest, fees, and any other charges. 
XXXX. Copies of any documentation or contracts bearing my signature that substantiate the validity of this debt. 
XXXX. Proof that you are authorized to collect this debt on behalf of the original creditor. 

XX/XX/XXXX received a letter from Meade & Associates saying here is a copy of your billing with the above client named. Please remit payment in full. The enclosed proof was an account statement for a women who is not me for a service on XX/XX/XXXX. 

Meade & Associates failed to provide all requested information- XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including a detailed, itemized breakdown of the {$250.00}, also specifying the principal, interest, fees, and any other charges. 
XXXX. Copies of any documentation or contracts bearing my signature that substantiate the validity of this debt. 
XXXX. Proof that you are authorized to collect this debt on behalf of the original creditor.
Product: Credit card or prepaid card

This is my XXXX attempt to correct this matter with Wells Fargo. I have spoken to Executive Office Managers, Customer Service managers and still the matter is not being resolved and now every right I have under the FCRA is being violated by Wells Fargo. 
***** The 30 Day last posting to my personal credit report for XX/XX/2022 is INCORRECT and at this time is it demanded that this be removed in swift fashion as Wells Fargo has now taken more than 90 days with incorrect investigations that have been conducted poorly with no resolution. 

It is very simple. The person ( s ) reviewing are using the payment due date instead of the billing cycle date. BILLING CYCLE is reported to the credit agencies. Not payment Due Date. If the person reviewing this new complaint will see that payment was received before the 30th day. I have reviewed this with Customer Service who also has noted payment for XX/XX/2022 was received before the 30th day of the billing cycle and therefore the 30 day late mark on my credit report is incorrect. But the Executive office reviewers are ignoring it. 

****** Attached will be two calendars that COUNT each day. From the payment date and the billing date. For XXXX and XX/XX/2022. PLEASE. Count the days. It is a very easy process to correct this matter. 

****** I have been assigned a New Wells Fargo Case # in my recent call to the Wells Fargo XXXX  XXXX. Case # XXXX
Product: Debt collection

A third-party agency, Unifin, contacted me regarding a debt from XXXX XXXX XXXX I requested validation of the debt, but instead of providing it, they offered a settlement of {$170.00} and promised to delete the account from my credit report if I settled immediately. I agreed and paid the settlement on XX/XX/year> to ensure the account would no longer be reported as a collection. However, despite my payment, XXXX XXXX continues to report this account as a collection on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, The following is based on a letter written from the Consumer Financial Protection Bureau and applies to any of my accounts that may have gone delinquent in the wake of the Pandemic Covid-19 : The CARES Act places special requirements on companies that report your payment information to credit reporting agencies. These requirements apply if you are affected by the coronavirus pandemic and if your lender gives you an accommodation to defer a payment, make partial payments, forbear a delinquency, modify a loan, or other relief. 
If your lender does make an agreement or accommodation with you : How your lenders report your account to credit reporting agencies under the CARES Act depends on whether you are current or already delinquent when this agreement is made. These reporting requirements apply only if you are making any payments required by the agreement. 
If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. 
If your account is already delinquent and you make an agreement, then the creditor can not report you as more delinquent ( such as reporting you as 60 days delinquent when you started out 30 days delinquent ) during the period of the agreement. 
If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. 
This CARES Act requirement applies only to agreements made between XX/XX/2020 and the later of either : 120 days after XX/XX/2020 or 120 days after the national emergency concerning COVID19 ends. 
If your lender does NOT give you an accommodation : In addition, the special comment is temporary and may only show on your account for a period of time, such as during the time of a declared national emergency. When the lender stops furnishing the special comment information, it disappears permanently and entirely from your credit report. There will be no record that there was ever a special comment placed on your credit report. 
The CARES Act also applies to certain federal student loans and includes requirements relating to suspending payments and credit reporting. During the period that payments on federal student loans are suspended by the Department of Education, any payment that has been suspended is to be reported as if it were a regularly scheduled payment made by the borrower. ( any increase in the balance of the loan is invalid. 
All three companies have continued to ignore my complaints regarding this issue and have ignored the regulatory filings regarding the banks ignorance of the cares act.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

When I bought my used vehicle. The loan went through Flagship Credit Acceptance. I have made monthly payments. But I have tried on many occasions to make biweekly payments. They told me for months they didn't understand. But in XX/XX/year> I got ahold of XXXX who knew what I was asking for. They sent me the documents through XXXX. However, it needed a password. I couldn't obtain a pass word and the docs expired. Then a month went by I paid the regular payment. An requested the document once again. They didn't arrive in XXXX. When I called at the first of the month. A manager for the company on his own permission deferred two payments and. Because he wants to ensure that I got the paperwork. But the problem he created was significant from daily interest and payoff being extended by two months. Plus I have gap insurance which is effected by this business practices. I never got the paperwork until sometime in XXXX and I had to call and get the password. The lady me it's my SSN. When I file the paperwork it was received and few weeks passed on the day the payment was due. I received a second request. I filled it out again. Now they are saying they can't understand why they can't process it. I believe it is because they lost the paperwork and they don't want the vehicle paid off until terms close at the end of the loan. Or they want to repossessed. They are not serving the loan as well enough and making sure Im behind on payments. So they can repossess the vehicle and sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is absolute Insanity with this company. My credit score dropped XXXX points in one day - despite the fact that I've paid my credit cards down even farther! They've also reduced my already incorrectly reported credit history by another month! 

This is affecting my ability to get hired with a consulting firm that works in the financial industry!
Product: Credit reporting or other personal consumer reports

I ask the company XXXX account XXXX for a investigation on this account to correct anything that is not accurate and the information is still incorrect on XXXX bureau it's reporting XXXX on XXXX  and XXXX on transunion. These both are reporting incorrect. Please hold this company accountable for not reporting 100 % accurate as the law require.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/year> I was on XXXX and contacted a " seller '' who was selling a software account that they had apparently had access to. This account was being sold for {$190.00} USD. I asked the person to confirm they own the account, to which I was provided a screenshot of the account dashboard. After initiating a payment via WISE, I was given the run around as to why this person can not give me the credentials to the account that I paid him for. I later posted about this experience on a closed XXXX XXXX, to which I was told this person was a scammer. It was evident as well when the user on XXXX 's name was found to be different than the name on the WISE account that I obtained. I contacted WISE about this, and they claim that because they sent the money to that individual that they were not able to refund me or reverse the charges. WISE then retaliated when I issued a chargeback to the amount with my bank, and they are now preventing me from using my WISE account, despite proving to them that I was indeed scammed, and that I should not be responsible for that amount. Police report was also submitted to WISE, and they still went against refunding me the amount that I was scammed out of.
Product: Mortgage

On XXXX XXXX, 2015, I spoke with XXXX XXXX. XXXX XXXX asked me had I received my evaluation letter in the mail dated XXXX XXXX, 2015. I indicated, I had not received such correspondence. Nevertheless, XXXX XXXX indicated the evaluation letter was to inform me that I was denied the opportunity for a home loan modification based on my current monthly salary of $ XXXX ( gross ) and $ XXXX ( net ) ; in addition, my monthly expenses exceeded my net income - and in order to qualify I had to have at least a {$300.00} a month cushion between expenses and net income. When I inquired to XXXX XXXX how BoFA derived at the figures for expenses as well as the income, she was not able to provide me with an answer. She indicated I could appeal the decision - and she would reach out to me on Tuesday, XXXX XXXX to share how the figures were reached. Please be advised I sent BoFA an expense sheet that totaled {$4500.00} in expenses and find it odd that they have expenses that are much higher. On XXXX XXXX, 2015 I went to the mailbox and noticed the evaluation letter dated XXXX XXXX, 2015 as XXXX XXXX indicated, however, the letter did not indicate why I was denied and immediately stated, while I was not eligible for the home loan modification, I was eligible for a short sale or a deed-in-lieu. Well, in early XXXX 2015, I was told by BoFA that the home loan did not qualify for a short sale. This BoFA home loan modification process is repetitive and contradictory to say the least. I am seeking a home loan modification based on the submission of my monthly expenses being {$4500.00} or less.
Product: Credit reporting, credit repair services, or other personal consumer reports

experians upload service when i input experian report number XXXX times out and suggests mail. 
this evidence attached will resolve cfpb XXXX and XXXX against experian ; also all disputes on XXXX account number XXXX and cfpb complaints XXXX against XXXX XXXX XXXX and cfpb XXXX against XXXX credit mgt. 

XXXX is using changed account numbers to avoid the deletion of their collection account.it is creatively intentional as they try to extort monies, avoiding what account is described by the attached document, the same account they agressively try to collect for.
Product: Credit card

American Express bank received an application for pre-approved credit. The property was taken and I got nothing in return. Bank has opened an account ( ref # XXXX ) in my name without my consent and denied credit, which is identity theft, restraint of trade, Misappropriation of funds and unjust enrichment. Furthermore, banks can't use credit reports based on privacy rights. I demand American Express bank to present credits to the United States Treasury for securities for my redemption. 
Interest and money are due to me. Set off discharge dollar per dollar of application preset in honor and good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which Great Lakes has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act.

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C.

No. 95-cv-01743 ). 

They refuse to correct information after being provided proof of inaccuracy.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally submit a complaint against XXXX XXXX XXXX and XXXX XXXX regarding their failure to provide proper debt verification as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Background XXXX XXXX. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Reference Number : XXXX Alleged Debt Amount : {$360.00} I contacted XXXX  to request verification of the alleged debt. I specifically requested documentation including a full account history, the original creditor agreement, proof of assignment, proof of my liability, and any credit bureau reporting related to this account. Despite my explicit request, I have yet to receive the necessary verification. 

XXXX XXXX XXXX 

Address : XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TrueAccord Account Number : XXXX Alleged Debt Amount : {$360.00} I also contacted XXXX  to dispute the validity of the alleged debt they claim I owe. Similar to my request to XXXX, I asked for detailed verification of the debt, including the account history and proof of assignment. I made it clear that until I received this documentation, I demanded that they cease all collection efforts. However, I have not received any response from XXXX. 

Nature of Complaint Both XXXX  and XXXX  have failed to comply with my requests for verification, which is a violation of my rights under the FDCPA. Their lack of response and failure to provide proper documentation leaves me with no assurance that the alleged debts are valid or that they have the legal authority to collect on them. 

Desired Outcome I request that the CFPB investigate the practices of both XXXX and XXXX. I seek enforcement of the FDCPA to ensure that these companies are held accountable for their failure to provide verification of the alleged debts. Additionally, I would like them to be reminded of their obligations under federal law to cease collection efforts until they can validate the debts they claim I owe. 

Thank you for your attention to this matter. I look forward to your prompt response and any updates regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

On my consumer report it says i owe XXXX money, i never opened an account with them. The information they have is n't my name its a jumbled version of it. I believe i have identity theft.
Product: Student loan

My loans were transferred to Mohela since I'm part of the PSLF program. It takes FOUR HOURS in hold every time you call, at minimum, and you get untrained low level call vented employees who give you wrong and different information each time you call. They all give wrong info that contradicts each other and are having me pay the wrong amount and nobody knows how to correct it, nor do they understand the federal payment programs. You spend 4+ hours on hold each time and get totally different and wrong information from the last person. I can't get straight info and my payments affect my life in a huge way so I need correct info.