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

Despite my repeated efforts to rectify this situation, it has become painfully evident that your organization either lacks the ability or the will to correct this glaring issue. 
I initially brought to your attention the existence of fraudulent accounts associated with my name and social security number. Since then, I have submitted multiple dispute letters, along with all the required documentation, including a copy of my driver 's license, an identity theft report filed, and any other evidence I could muster to prove my case. To my astonishment, my pleas for assistance have fallen on deaf ears, and the fraudulent accounts persist with impunity. 
XXXX XXXX XXXX XXXX XXXX XXXX 
This ongoing debacle has wreaked havoc on my life, making it virtually impossible for me to secure credit, obtain reasonable interest rates, or pursue my financial goals. I am forced to question whether your agency is more interested in protecting fraudulent creditors than it is in upholding the Fair Credit Reporting Act and the rights of consumers.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 MONTHS REPORTING 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. 
This company 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 repo
rts.
Product: Debt collection

XXXX filed XXXX  XXXX in XX/XX/2023 and stopped offering XXXX services to all clients including my daughter. We had already paid the bill in full and were not able to receive necessary services. They took the money and did not provide the full service. 

They transferred their billing to a company called healthcare, finance, direct or HFD, LLC. This company is aggressively billing. Me and XXXX XXXX  has tried to stop them XXXX. They are now threatening me over email with my credit. They added another random amount of XXXX to their billing. 
They are behaving like criminals. I had called them, and they refused to speak with me and laughed at me and hung up. 

We can not pay a bill connected to a service that we can no longer use. I should not have to pay over the amount agreed for services not rendered in full. 

When XXXX stopped them the first time, they changed their name from Healthcare Finamce Direct to HFD. 

I am asking for protection for my credit. I am asking to stop this harassment.
Product: Mortgage

I have been working with this servicer for the past 5 years, they are very unorganized. I submitted at least 3 full package of RMA, to the point that I am getting really good at it. I know what they ask for, application, proof of income, tax returns and bank statements. This servicer would need verification for each issue at least 2-3 times, also it is always " all we need is ''. Then turn around and requested for more information after I provided what they asked for via fax. There is a foreclosure sale day set, I am accruing their $ 6000+ attorney fees, interest and appraisal fees. Recently, I received a letter of denial, their reason is " did not receive the required documents within the timeline specified '' The application started on the end of XX/XX/XXXX, the last conversation was XX/XX/XXXX. They wanted me to verified on the phone about some issues, then they wanted me break down on a deposit on a from one of the bank statements, I faxed in the next day on XX/XX/XXXX. That was the last time I heard from the servicer. After receiving such denial letter, I called to find out what is " real '' reason for the denial. They told me it was due to the bank statement provided were too old. I would have provided more recent bank statements if they told me on XX/XX/XXXX. Furthermore, the time has lapsed since the application started on XX/XX/XXXX. I have a facsimile report that demonstrate I was submitting document in XX/XX/XXXX and throughout XX/XX/XXXX. I feel it is very unjust and they have no merit for the denial.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding three unrecognized credit inquiries on my credit report. Upon reviewing my credit report, I have noticed that there are three inquiries related to auto loan credit applications that I do not recognize or authorize. The details of the inquiries in question are as follows : Date of Inquiry : [ Inquiry Date ] XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX  These inquiries appear on my credit report without my consent, and I would like to request a full investigation to have this information removed from my report. Additionally, I kindly request that you provide me with any further information that explains how these inquiries were recorded on my report. Attached to this letter, you will find a copy of my credit report showing the unrecognized inquiries, as well as a copy of my identification and any additional documents required, if applicable. I appreciate your attention to this matter and am available to provide any further information you may need. I request that you keep me informed about the progress of the investigation and the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 The accounts related to XXXX XXXX XXXX  were paid in full {$1100.00}. The accounts are still listed on my Eqiufax credit report as in collections. I have attempted to contact XXXX  and they have informed me that they have reported the accounts paid in full and will not assist me with getting the information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an account that was not mine or that I had no knowledge of to both XXXX and Transunion. I submitted the information to them regarding my dispute with the collection agency which clearly shows that the collection agency fraudulently changed loan documents to reflect that the account was mine when in fact it was not mine. The original collection letters in attempt to collect for the alleged loan were sent to a residence I have not lived in since XXXX It was only after I had contacted the collection agency that they started sending collection attempts to my current residence and when asked to produce proof that the alleged debt was mine, they submitted to me a loan document reflecting my current address.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had 3 hard inquiries on credit report which I did not authorize. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability and maximum accuracy. I demand these inquiries to be removed as they should be due to the fact that I never authorized. Thanks, Please see the below inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In the year of XXXX, XXXXwo credit cards were opened in my name for Discover and XXXX XXXX XXXX. Both cards were closed due to debt on the cards according to my credit report. I didnt sign up for a credit card until the following year ( XXXX ) with XXXX XXXX when I discovered there was another credit card possibly opened. I was able to resolve XXXX XXXX, but I am unable to resolve Discover and XXXX XXXX XXXX.
Product: Vehicle loan or lease

I made a payment of {$570.00} to my chase auto loan on XX/XX/year>. 

they took an extra 2 payments that are due in XXXX and XXXX totaling {$1100.00} on a phone call they advised me that it will be processed in two weeks and they will SEND ME A CHECK. I specifically asked them to refund it to my bank account, but they refuse to do so. 
from now on, I am sending them a paper check every month. 

I will not give them a chance to take my money from my checking account without my authorization. I simply do NOT TRUST THEM ANYMORE> I AM VERY DISAPOINTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

UACC has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
Product: Bank account or service

I have been working for over 2 days to speak to someone who can help resolve an issue. I have been told several times that the procedure to so have someone call me back. So far no one has ever called back, when I call I am just told that the procedure is to put in for a call back and we go through the same drill again. I am concerned about the lack of resources to escalate any issues. The issue stems from being given incorrect information from a customer service rep. At this point I have lost complete trust in them to give correct information, or to return a phone call. We are going on 72 hours with this at this point.
Product: Mortgage

I am having issues with Lakeview XXXX/XXXX  in starting a VA streamline refinance application. I have had a forbearance period which is ending at the end of XXXX - Account is current and paid through XX/XX/2020. I have also sent them my intent to refinance back in XXXX and nothing was done with the letter I sent in I am being told that I need to wait 30 days in order to start the VA streamline refinance. I have asked for a written document that states the above guidelines, but Lakeview is sending back to XXXX. While XXXX is stating that they don't deal with the loan application process and that Lakeview is the entity I should contact. 
I was even provided with a XXXX phone number which sends me to a voicemail that states the extension was no longer in service for Lakeview. I spoke to a XXXX at XXXX who provided me with the above phone number. I have asked a " XXXX '' from Lakeview for his last name so I can document my interaction because he stated the 30 requirement and he refused and hanged up the phone. I have called back and I am still getting the runaround. Additionally, soon after these phone calls, I have been unable to log into my account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage payment for account # XXXX with XXXX XXXX   XXXX was paid but my credit report shows past due and last activity on XX/XX/XXXX. The mortgage was paid off on XX/XX/XXXX. The following is incorrect and on my Equifax credit report : Company/Account Name : XXXX XXXX   XXXX Company Address/Phone : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : XXXX Rate/Status : Not more than two payments past due High Credit : {$190000.00} Terms : XXXX Balance : {$160000.00} Past Due : {$1300.00} Most Recent Date Reported : XX/XX/XXXX Comments on Account : Real estate mortgage
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom it May Concern, I recently receive a copy of my ( XXXX, XXXX & XXXX ) credit report and noticed some late payments posted on my credit report. 
Account # XXXX ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES.

( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668.

Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity fraud 3. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations 4. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank contacted me in a letter dated XX/XX/2020 asking me for additional information to process a credit card application. I received that letter on XX/XX/2020. I immediately called their Fraud Line to let them know I did not make that application. In speaking with  the representative, I was told whoever made the application did it with my Social Security Number. Synchrony Banks Fraud Department also said they would note the file as fraudulent and I would be receiving a letter within a week which I needed to sign and return to expunge their search on my credit report. On XX/XX/XXXX I received another letter from Synchrony Bank about a second attempt for a credit card application in my name. I called the bank again on XX/XX/XXXX to discuss this issue. I was again told I would be receiving a letter to sign that would clear this up. When no letter showed up, I again called Synchrony Bank on XX/XX/XXXX to try to expedite the process. I still have not received this letter. I would like to get this cleared up and get Synchrony Banks search on my credit report expunged.
Product: Credit card or prepaid card

DISCOVERBANK is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( DISCOVERBANK XXXX, DISCOVERBANK XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violating laws reporting inaccurate information on Credit report
Product: Credit reporting or other personal consumer reports

I submitted XXXX disputes to XXXX- the last one they claim was resolved on XX/XX/30. They have not provided me a copy of my signed credit application as requested twice. 


XXXX Account previously in dispute-now resolved. reported by credit XXXX ; UNPAID BALANCE CHARGED OFF
Product: Debt collection

I have a collection account reporting on XXXX and XXXX for an account that does not belong to me. I have contacted the collection agency, the bureaus and the creditor. The creditor told me they had no record of an account with me. I have requested to have the account removed from my credit report multiple times, but it has not been removed.
Product: Credit card or prepaid card

Build credit off of credit karma website even if you sit the qualifications your denied and it's on your credit report they claim pre qualify buts it's not
Product: Debt collection

I was a victim of identity theft, which someone hacked into my computer network and stole my personal information and opened up fraudulent accounts and created inquiries on my credit report with XXXX. In addition, I tried to dispute it with XXXX twice and they refused to remove these fraudulent items, which includes two collections accounts and five inquiries. I am asking you all to have XXXX  remove these fraudulent items off of my credit report.The Collection accounts include : Lanier Collection Agency, with a balance of {$480.00}. and another collection from Lanier Collection Agency, with a balance of {$92.00}. The inquiries include : XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX XXXX. Please remove from my credit file immediately, due to fraud. Also, I have a police report, FTC Report, and a affidavit.
Product: Credit reporting

I am requesting with this notice that the following account be DELETED from my credit report. XXXX ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX XXXX OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX XXXX Against XXXX if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided
Product: Credit card

My name is XXXX XXXX XXXX, and I want to clarify that this complaint is not made mistakenly, nor is it being filed on behalf of another party. I affirm under penalty of perjury that I am asserting that an individual or entity, without my consent, utilized my social security number and personal information to apply for various goods, services, or financial transactions. Unfortunately, they were successful in establishing certain accounts using my identity. I have no prior knowledge of these actions, and the matter is currently under investigation by the Federal Trade Commission ( FTC ). According to Under 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports, I never provided written authorization for any information to be included in my consumer reports. Lack of consent constitutes fraud in this context.CAPITAL ONE XXXX.
Product: Credit card or prepaid card

I closed my credit card account months ago and continue to make monthly payments in good faith without being late once. I originally closed the credit card because I was having issues with the company while dealing with rude and unprofessional behavior of the customer service reps. Upon closing my account I was told that I would not have to pay an annual fee or monthly fee because my account would be closed before the one year anniversary date. Fast forward five months layer and Im being charged an annual fee and a monthly fee even though my account has been close for five months. I talked to four different employees from this company. Instead of trying to resolve the issue, they was rude and unprofessional.