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

There was only one closed auto loan with FORD MOTOR CREDIT included but not all account number : XXXX balance {$0.00} opened : EXPERIENCE BETWEEN CONSUMER AND CREDITOR IS EXCLUDED FROM CONSUMER REPORT PER 15 USC 1681a. FACTUAL INFORMATION IS EXCLUDED FROM CONSUMER REPORT PER 15 USC 1681a. This is Defamation in the Libel. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. The inaccuracy is due to reporting PRIVATE CONSUMER TRANSACTIONS THAT REVEALS THE PRIVATE NATURE OF A TRUST BETWEEN THE CONSUMER AND THE CREDITOR AND VIOLATING 15 USC 1681a The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as XXXX, XXXX, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information. 

There was never a contract between the XXXX  XXXX XXXX ASSUMED NAME : XXXX XXXX XXXX and FORD MOTOR CREDIT or any variations of or any titles or names derived thereof. There was never a consummation, no liens and no financing statements. See the attached Exhibits. FORD MOTOR CREDIT XXXX, XXXX, XXXX, XXXX XXXX has violated 15 USC 1681a ( exclusions ) and and other consumer data collecting agencies and/or companies ; are at fault for permitting improper data furnishing. The EXPERIENCE ( HISTORY ) BETWEEN CONSUMER and CREDITOR IS EXCLUDED from CONSUMER REPORTS. The CONSUMER REPORT is prescribed to reflect the full story and character of the natural person which is why it consists of INTERVIEWS of ones neighbors, associates & friends. When did you send me the details of these interviews, the names of who you spoke to?
Product: Debt collection

Received call from midland credit management on XX/XX/XXXX and again on XX/XX/XXXX to my work place. I asked they not call me and they asked for my bank information, they also asked for my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about the credit card company named XXXX XXXX XXXX. It is a XXXX card associated with XXXX. I pd the balance off in XXXX. I filed XXXX XXXX bankruptcy a month later but not on this account. After I checked my credit report some months later, I found out that they closed this account and stated on my credit report that the status was closed on the account because of XXXX  XXXX bankruptcy. When I called the company to find out why they did this, they said it was their policy to list it on the report even though I DID NOT file it with their company. They refused to change the status and when I disputed it with the credit bureaus, they still have not changed this. I am still in a dispute.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Debt collection

I went to the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/XXXX. I received and promptly paid an invoice from XXXX XXXX. After having paid that invoice, I received a separate bill from XXXX XXXX XXXX, XXXX. I was confused, because I believed I had paid my bill in full. I called XXXX to ask if I did have a balance, and they confirmed that I did not and that my account was paid in full. Additionally, the person I spoke with seemed to be unfamiliar with XXXX XXXX XXXX, PC. I ignored the bill because it seemed to be a scam ; a XXXX search for the company yielded vague results along with several people citing the company as being illegitimate. 
Then, on XX/XX/XXXX, more than a year after I went to the XXXX, a company named Kansas Counselors , Inc. ( KCI ) sent me an account balance for {$210.00} and is attempting to collect a debt. I do not know this company, and they did not provide me with enough information to verify that the debt is valid. This is the 2nd communication that I have had regarding this bill ; in spite of having 3 different phone numbers to contact me, my email address, and my mailing address, no attempt was made to collect after they sent the initial bill. 
I contacted XXXX XXXX in XXXX, XXXX, and all they could tell me was that their XXXX  providers bill separately. I asked why they did not tell me I would be receiving 2 bills, or why they weren't able to give me information about their billing practices when I called more than a year ago. They did not have an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a Bankruptcy with the 3 Credit Bureaus ( XXXX, XXXX, & Experian ) with a series of 4 letters starting XX/XX/XXXX to XX/XX/XXXX and attached to the letter dated XX/XX/XXXX was the XXXX report dated XX/XX/XXXX showing NO Bankruptcy. All 3 Credit Bureaus ( XXXX, XXXX, & Experian ) are still currently stating they verified and are reporting a Bankruptcy that is not being reported by the third party company XXXX XXXX XXXX they state they utilize even after Ive submitted physical proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

i worked for a XXXX XXXX and i liked a vehicle that came in, i talked to owner and we worked out a deal that i can slowly pay off the down payment along with truck payments, i made payments and he would take down payment out of my checks, after a few months ' work slowed down and i seeked other work i let him know, he got all upset threating me to repo the truck and taking me to small claims court, i turned in my invoices for my final pay check and he messaged me saying Hes keeping my check for truck payment, two days later he had my truck repoed and was on mine and my wife 's credit. from XX/XX/22 to XX/XX/22 they received {$730.00} in payments and took over {$1100.00} in my pay checks from invoices, then repoed my truck XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

Having to do with the Equifax Data Breach -- Since the announcement of the breach, I have been receiving repeated and threatening aggressive solicitations for credit monitoring and protection services for a price varying from $ 10 monthly to $ 30 monthly from XXXX, XXXX, and others beginning now and continuing forever. 

While there is probably a need for this service due to the breach, why should every adult ( 143 million individuals ) in the United States be penalized between {$120.00} to {$360.00} per year because of Equifax 's negligence? 

I suggest that legislation be passed immediately or, failing that, a class action be filed by the US Attorney to at least cover these individual costs.
I have no relationship with Equifax, have not asked for their service, and see no reason why I or any other American be held accountable for their failing to protect data collected without my permission.
Product: Mortgage

Lost a job, was on forbearance now it's over need help with mortgage until able to get another job
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES number : 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 Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX USDOE/XXXX  Account # XXXX DPT EDXXXX has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

This is ridiculous no one at Capital One intends to resolve the matter. I have contacted your agency and the company to get NO RESULTS! I DEMAND a resolution or intervention from your agency as you stated you would. I can be reached at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a car at XXXX XXXX about 8 days ago. Now I have purchased several cars in my past and after my report gets pulled several lenders look at the report but it only gets pulled XXXX. Well I check my report extensively and they did XXXX hard inquiries on my credit. The last time I went to XXXX XXXX XXXX 6 months ago to buy my last car it got pulled XXXX time only but I got several offers. This is beyond unacceptable as this now hurts my credit for 2 years plus. This can not be right to do to someone as they just kept repeated to pull my credit???
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX Mr. Cooper/Nationstar an email ( attached to this complaint ) expressing my conditional acceptance to continue to service the loan upon, a validation of the debt, the status and verification of the loan made by XXXX XXXX XXXX XXXX XXXX acceptance of the bill of exchange sent along with the letter, and finally, note ownership establishing Standing to Foreclose. 

XXXX : -Talked to XXXX XXXX a Mr. Cooper agent, about the account being due, I expressed I wanted my letter responded to and that I am trying to resolve the issue. 

XXXX : - I received a Notice of Intent to Foreclose from XXXX XXXX XXXX : - I continued to receive monthly statements and calls from other Mr. Cooper agents telling me that they won't respond to the letter and I asked about who owns the note. She said Mr. Cooper does not actually own the note, just the mortgage. 

Meanwhile, Mr. Cooper continued to report late payments to my credit file, significantly reducing my score by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Vehicle purchases by XXXX XXXX XXXX account is closed and charged off. Continues reporting negative on my account. My x states she put it on her bankruptcy. But why continue on my credit. Not mine
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws. 

Due to the serious nature of this claim I give Equifax, XXXX, and XXXX 5 days to correct this matter.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of with XXXX XXXX XXXX of {$1200.00} with Account Number : # XXXX I do not have a contract with XXXXXXXX XXXX NEVER HAD ONE they did not provide me with the original contract, purchase agreement, my wet signature and ID verification as ASKED So delete this inaccuracy from my report
Product: Debt collection

I am writing to file a formal complaint againsXXXX XXXX XXXX XXXX XXXX for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that XXXX XXXX XXXX XXXX placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with XXXX XXXX XXXX XXXX  including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that XXXX XXXX XXXX XXXX provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If XXXX XXXX XXXX XXXX is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with XXXX XXXX XXXX XXXX  is blatantly false. I neither received any services or products from [ Debt Collector ] nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that XXXX XXXX XXXX XXXX is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.
Product: Checking or savings account

I then filled out and submitted unauthorized ACH return forms for the transactions and any future attempts.I was told that a stop payment would be placed and I would incur additional charges. I shared with the BOA representative That I had contacted the Company in regards to them not following the terms of the lease and attempting to take money before its due date. The company did not respond as they indicated they would. I also told the representative that I had filed complaints with my state attorney general and the FTC about the company XXXX 's conduct
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error.

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized inquiries again : Disputed Inquiry : XXXX RESIDENT VERIFY Inquired on XX/XX/scrub> XXXX XXXX
Product: Debt collection

After going through some very difficult financial hardships I had a deliquent debt with XXXX. I had asked XXXX to communicate with me through mail only. XXXX gave my loan over to Relin Goldstein & Crane which is located at XXXX XXXX  XXXX XXXX XXXX NY. They proceeded by calling my parents in-law countless amounts of times throghout the months of XXXX and XXXX even after they were repeatedly told that I do not reside at that address. At least one of the times they disclosed that they were calling about a debt. All throughout the time they had never attempted to call or correspond with me through any other means. My in-laws asked me to contact them and tell them to stop the harrasing calls especially on weekends. I then began receiving letters in the mail that they were suing me in court. I called them and asked why they couldn't reach out to me in a civil manner and try to work out a pay off system. We finnally reached a settelment agreement over the phone but I never received any documents to support our phone conversation nor to whom I would pay the monies owed. I tried calling numerous times they failed to answer. Finnaly a week later they sent me documents on the day of XXXX eve with terms changed from the original agreement and according to new terms I would have to pay up 2 days later making it impossible due to the banks being closed on XXXX. I called and emailed them numerous times noone responded. After XXXX they called me back and said it was a typo they said since the deadline passed they would try to reach another settelment with XXXX. I still haven't been contacted with any new agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # 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 15 U.S.C 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 card or prepaid card

Dear officer, I am filing this complain for my US Bank Altitude Reserve card {$400.00} annual fee reimbursement. I called them last month to cancel this card and I was told I would be reimbursed for that annual fee at the following billing statement, and I need to call their customer service to get that {$400.00} credit to my bank checking account or to be sent a check to my house. But today when I logged into my account I can't even see that credit card account. And when I called the customer service they seem like have no clue for this {$400.00}. And right now I feel so helpless since I don't have access to my card nor account information. The physical card was also sent back to US bank as their requested.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$880.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been included in the equifax hacking on XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022. THREE ( XXXX ) INQUIRIES WHERE MADE ON MY CREDIT ( XXXX ) ON THE STATE OF FLORIDA. I DO NOT RECOGNIZE THIS INQUIRIES. I DID NOT AUTHORIZE THIS INQUIRIES. I DON'T LIVE IN THE STATE OF FLORIDA NOR HAVE TRAVEL TO FLORIDA. THE THREE ( 3 ) INQUIRIES ARE FOR AUTO LOANS. ( XXXX ) XXXX XXXX ( XXXX  ), ( XXXX ) XXXX XXXX XXXX, ( XXXX ) FLAGSHIP CREDIT. I CONTACTED XXXX AND A HOLD WAS PLACED ON MY INQUIRIES.