23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I'm the seller of the property during the closing procedures everything seemed to be ok and go to go for closing on XX/XX/2018. Later on the loan office XXXX XXXX from XXXX XXXX XXXX requested to have an extension until XX/XX/2018. XXXX XXXX said he was waiting for a paystub from the buyer. Later on I was told that the buyer needed to come up with an additional XXXX for closing since his debt to income ratio was at 58 %. It seems to me that XXXX XXXX delayed on the process of entering the loan into the system causing a bunch of issues, since I have already entered a contract to purchase other property with the proceeds of my primary property. XXXX XXXX till this day is still requesting documents from the buyer that should have been asked for during the start of the loan. This puts me at a hardship since XXXX XXXX made it seemed like the loan would close on the XX/XX/2018. XXXX XXXX also requested for me the seller to give the buyer XXXX in order to close. Something doesn't seem right with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ). 

Thank You, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX- {$1200.00} This account was created unauthorized and fraudulently XXXX governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies
Product: Mortgage

We paid off a mortgage our in XX/XX/2017 with Everbank Mortgage. Everbank has sent us the recorded satisfaction mortgage, but will not send us the original note marked PIF. Contrary to its assertion, we were not given original notes or mortgage at closing ( I know of no lender that gives originals to consumers at a closing ). We need an original note marked PIF, as no lender should retain an original note that has as been paid in full. It could be used fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent an envelope via certified mail to Experian containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2.  The USPS.coms page https : XXXX  shows that my letter was delivered on XX/XX/2020 at XXXX. Even though it was received on the XXXX, Experian stamped the certified mail receipt as received on XX/XX/2020 ( please see attached ). Enclosure 1 of 2 was a Method of Verification letter ( please see attached ) to Experian regarding my previous disputes of 2 alleged dismissed bankruptcies theyre reporting on my credit report. As afforded by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA Section 611 ( a ) ( 7 ), my Method of Verification letter requested Experian provide 1. The name of the original creditor ; 2. The creditors address and telephone number ; 3. The name of the person who verified your information ; and 4. The  documentation used to verify the dispute NOT LATER THAN 15 DAYS FROM RECEIPT OF MY REQUEST. To date, Experian has not provided the information requested and continues to report this unverified information on my credit report. Because of their failure to respond and continued violation of my rights under the FCRA, I expressed mailed a notarized Affidavit of Intent to Sue regarding this matter ( please see attached ). Experian received my Affidavit on XX/XX/2020. In addition, XXXX XXXX XXXX XXXX is listed as a creditor on my credit report. I have written correspondence from this court ( see attached ) that they do not report to credit agencies ( please see attached ). Since this court would be the legitimate and sole owner of any alleged bankruptcy court proceeding information and therefore, the only organization capable of legally and accurately verifying an alleged debt of this nature, my correspondence from this court is proof that Experian did not properly verify the information and/or they purposely fabricated their investigation results to continue to cause me personal and financial harm. I demand that Experian immediately delete any and all reports of these 2 dismissed bankruptcies from my credit reports.
Product: Checking or savings account

I am having issues with debit card transactions and checking account transactions when I use my debit card. The money is removed immediately from my account. The transaction is in pending status for the next week or two and by the time my next pay period comes the same money is taken from my new paycheck a second time. I am not sure if this is fraud on behalf of the people posting payments or if this is a banking error it happened a long time ago then it was corrected and now its happening again XXXX and XXXX my XXXX bill was deducted from my bank account on Friday, XX/XX/XXXX. I woke up this morning XX/XX/year> with {$880.00} in my account when I looked at my account again the XXXX  payment had been taken a second time no matter what I do they can not explain to me why my money is being taken a second time this happened with my last pay period and the prior pay period before that with other transactions, I am not sure if someone can alter their records, but I see my money coming out of my account twice and no one can explain to me the reason why
Product: Credit reporting, credit repair services, or other personal consumer reports

My right as a consumer is being violated according to " 15 usc 1681a2 '' I did not give permission to have this account furnished on my report. In Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
These accounts have been reporting on my credit for the past 12 years, and I'm not liable for this debt. 

XXXX XXXX XXXX Account Number : XXXX has violated my rights XXXX XXXX XXXX Account number : XXXX has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Checking my credit report, I noticed a series of accounts under the name PORTFOLIO RC ( XXXX, XXXX, XXXX, XXXX, XXXX ) that are reporting collections in my name. However, none of my creditors or even the collectors themselves provided certified notifications informing me that my personal and credit information would be transferred to a third party. Based on this, I do not recognize these accounts as mine, and they are failing to uphold and violating my rights as a consumer, even entering into a potential identity theft situation. Therefore, I am submitting this complaint to request validation and verification of the accounts, from which they can provide me with certified evidence of where I gave consent to report these accounts on my credit history, as well as the prior notifications regarding the transfer of the accounts from the creditor. Considering this information, the accounts in question would be violating Title 15 of the USC in the following sections :
Product: Credit reporting or other personal consumer reports

My account 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.

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: Credit reporting or other personal consumer reports

There is a JPMCB Card opened XX/XX/year> that is fraudulent. I contacted Chase to have the then-application canceled and was assured it was and an account would not be opened. However, I just received an updated credit report and the application was approved and opened.
Product: Debt collection

I have got some issue here related funds withdraw from coinbase. 
I have started total 2 withdraws on XX/XX/XXXX, which is amount {$3100.00} reference number : XXXX, and amount {$5400.00} reference number : XXXX to my XXXX XXXX bank account.i can see the money did hit my account, and have been posted.BUT the exactly same amount of money been DEDUCTED from my account by coinbase at same time.which means I didnt receive the money I mean to withdraw either in my bank account nor coinbase wallet. 
I have try to contact coinbase for this matter in past few days and havent got satisfied answer, the problems remain unresolved! i DEMAND coinbase to take it serious as this is quite big money for me!
Product: Debt collection

I am at my wits end here with Portfolio Recovery Associates! I have sent them several letters for them to validate this alleged debt they keep trying to collect and continuing to report to the credit reporting agencies, which is severely damaging my credit files and scores. Every time, they send me some bills from XXXX not providing me any legal documents, including any original contracts or anything. 
To make matters worst, they keep providing me some bills that shows a total different amount from what they are stating that I allegedly owe them and trying to collect. Let 's not forget that I never even knew about Portfolio Recovery Associates before I saw that they are reporting this negative account on my credit report. 

Their own documents states, " it is not an attempt to collect a debt ''. They keep ignoring me, stalling me, and completely violating my rights and the law. This is attacking my character and is causing me suffering and pain. 

I need them to immediately close this account and delete them it from my credit reports. This is absolutely absurd!!!
Product: Debt collection

In results of address and number change I was unaware of Medical debt with XXXX XXXX. I was garnished and paid the debt off.
Product: Credit reporting

I notified the XXXX major credit reporting agencies that XXXX collection agency 's had reported false information to them which showed as collections on my credit reports. Experian was the only Credit report agency who did not delete these XXXX collections. Both collections are from XXXX Account XXXX. The XXXX for the amount of {$380.00} and the XXXX for {$410.00}. I advised all XXXX Credit agencies that I was not responsible for these XXXX collections. They belong to my Mother ( XXXX XXXX XXXX ) who passed away XXXX XXXX 2014. I am not responsible for her debts. Again, I ca n't understand why Experian will not remove these XXXX collections from my credit report since they are not in my name and I am not reponsible for someone else 's debts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XX/XX/XXXX {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I and my ex-husband leased a XXXX XXXX XXXX back in XXXX XX/XX/XXXX. My ex-husband had a major accident with this vehicle in XXXX, XXXX. We had the major repairs done to restore this vehicle as close to new as possible. even before the accident, this said vehicle was stalling in traffic every-so-often. I went back to the dealership repeatedly and came within one more time to fall under the XXXX. Lemon Law! Meanwhile, we paid 24 months @ {$440.00} payments = {$10.00}, XXXX out of {$17000.00} leased value. I was so very upset due to going to the dealership so many times that in XXXX XXXX of XXXX, I left the vehicle at the dealership and purchased a XXXX XXXX XXXX. CHRYSLER FINANCIAL, XXXX XXXX XXXX, XXXX, XXXX ACCT # XXXX, PHONE # XXXX decided to put a Judgement against us for the total amount of {$17000.00} for LIFE!!! i TRIED TO CONTACT THEM INITIALLY AND XXXX-CHRYLER through the years to discuss this issue without them negotiating any resolution. I was told that if a vehicle is left at the dealership, then it is sold at auction!!! I want to know how it is legal to have a judgement against me and why is it the full amount of {$17000.00} instead of less than {$10.00}, XXXX??????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX, has violated my rights. XXXX account # XXXX, has violated my rights. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I need a copy of the original debt with my signature on it, also need a copy of Name and Address of the original creditor. I need the full payment history of the original creditor. I also need proof that they now own and been assigned to collect the debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my personal information and opened a credit card at CITICARDS CBNA and another credit card at XXXX in my name. As soon as I found out in XX/XX/2023, I immediately called all three credit bureaus, as well as the Federal Trade Commission, to report the theft of my personal information and dispute these credit cards. After investigating, I received a report from XXXX stating that the disputes with CITICARDS CBNA and XXXX were not changed as a result of their processing of my dispute. The companies that reported the information have certified that the information is accurate. This is a false statement. I have not received reports ( still waiting ) from the other credit bureaus and FTC yet.
Product: Vehicle loan or lease

I have been in constant contact w/ my auto financing company. I am 30 days past due. I have 3 payments that'll be due tomorrow ( due every other week ). I have been trying for 3 weeks for them to set up a payment for tomorrow for {$470.00} that would leave a remaining balance of {$200.00} ( not even a full payment ). They are refusing to take my payment because I am unsure when I will have the remaining balance of {$200.00}. They have threatened to repo if i can not afford the vehicle. I have a whole email thread of where this manager refuses to take my payment nor will he give me his managers contact information. I do not have a phone right now and he advised i should go borrow someone's phone or go to a payphone. I have health issues and can't just go find a phone when I have been in constant email contact with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EXPERIAN, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Product: Checking or savings account

I owned a Bank of America account. A fraud activity had happened to my account by someone else that I knew of. I paid the negative balance in full and would like to be able to open a new account with XXXX XXXX.
Product: Debt collection

I am writing this letter due to the actions that Midland Credit Management XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Midland Credit Management XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Upon reviewing my credit report, I discovered that there is inaccurate information associated with my profile. I believe my account was compromised through the dark web.I am writing to dispute the accuracy of several hard inquiries on my TransUnion credit report. The details of the inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you conduct a thorough investigation into the validity of these inquiries and ensure compliance with the FCRA. If these inquiries are found to be unauthorized, I request their immediate removal from my credit report. Thank you for your cooperation and assistance in resolving this dispute. I look forward to a swift resolution of this matter. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete certain fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I have recently become a victim of identity theft as a result of a data breach. The following information was fraudulently accessed and does not belong to me : Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to XXXX  under my name and different social fraudulently I have reached out to XXXX  as well as debtors both have not corrected this fraudulent information for account WF/XXXX  XXXX  that begins or ends with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX   XXXX  account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.