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

Consumer Financial Protection Bureau Attention : Consumer Response Team Re : Request for Removal of Creditors from Credit Report Dear Sir/Madam , I am writing to bring to your attention certain inaccuracies on my credit report, specifically regarding listed creditors. Pursuant to the provisions outlined in 15 U.S. Code 1692c, I respectfully request your assistance in rectifying this matter.

Upon reviewing my credit report, I have identified several creditors listed whose information is either inaccurate or outdated. These inaccuracies are negatively impacting my creditworthiness and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit information, as mandated by federal law.

I request that the Consumer Financial Protection Bureau intervene on my behalf to ensure the prompt removal of the following creditors from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I have made diligent efforts to resolve these discrepancies directly with the credit reporting agencies, but the inaccuracies persist. Therefore, I am seeking your assistance in facilitating the removal of these creditors from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.

Enclosed with this letter are copies of my credit report highlighting the erroneous creditor listings for your reference.

I kindly request that you investigate this matter promptly and take appropriate action to ensure that my credit report accurately reflects my credit history. Additionally, I would appreciate receiving written confirmation from the Consumer Financial Protection Bureau once the necessary corrections have been made.

Thank you for your attention to this matter and for your assistance in resolving these discrepancies. 

Sincerely, XXXX XXXX
Product: Debt collection

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that they have my consent to report my medical information in accordance with HIPAA laws.
Product: Checking or savings account

I have been hit with over XXXX in NSF/Return check Fees. I have a lot of my payments coming out automatically via ACH or via debit card. It has becoming a recurring process, that causes me to continually be overdrawn. This has been going for at least several months. I tried to be proactive and lock me card and payments still came out. I think the fees are extremely excessive. I called the bank on XXXX to get assistance with getting the fees refunded, they only refunded one fee. I appreciated the efforts of the agent, but this solution was ridiculous.
Product: Debt collection

I.C. Systems has been spamming my phone with upwards of 5 calls a day for over a month. They call and ask for my personal information but refused to give me any confirmation about their company ( to confirm it wasn't a scam ) until after nearly a month of harassing phone calls. The 'debt ' in question was paid for on the spot to the original company I ordered a service from ( XXXX , which I do not recommend after this experience ) and has never been 'debt '. this has all persisted despite multiple attempt to prove to the collectors and XXXX that they received payment nearly 2 Years ago when the original event occurred.No evidence has been accepted and I was offered the opportunity for them to review my case if I paid the 'debt ' first, which makes absolutely no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Bank of America, XXXX, and XXXX XXXX to remove a mark/flag that indicates that my account with Bank of America was closed due to fraud. I in no way want to open a new account with Bank of America, but would like the opportunity to open a checking account with another reputable financial institution. Unfortunately, I can not due to the mark on my consumer report. It has now been close to 5 years since this was reported, and my understanding is that this should have fallen off the report by now.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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: Mortgage

I sent a request to Home Point Financial on XX/XX/XXXX to remove my mortgage account from Escrow. That is, to make me, the borrower, responsible for paying the property tax and home insurance. On the phone, I was told that the appropriate way of requesting this change to my account was by sending an email to the company. I sent the email to the company on XX/XX/XXXX. I was told to expect an acknowledgement of this email within a few business days. This acknowledgement never happened. 

When I called the company to find out the problem, I was told that the company has no record of my request. I sent them a follow-up email on the XXXX XXXX. And still no response. When I called the company, they said they have no record of the email. Since I have sent two emails, I am concerned that this is their standard response to consumers. 

I asked, in a separate complaint to the CFPB, for them to TAKE MY MORTGAGE ACCOUNT OUT OF ESCROW. In their 3-page response, they FAILED TO ADDRESS THIS ISSUE. In case there was any confusion, I only ask to TAKE THE MORTGAGE ACCOUNT OUT OF ESCROW, TO REFUND ME THE BALANCE THAT IS LEFT IN THE ESCROW ACCOUNT AND TO PROVIDE AN ACCOUNTING OF HOW THIS WAS DONE. There is NO transparency in their Escrow process. I wish to take over the payment of taxes and home insurance myself.
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a XXXX XXXX XXXX from the dealership XXXX XXXX XXXX XXXX XXXX. I was told I only received financing from 1 company. I believed them since I knew I had credit issues and this was a new start fresh. I did not know at the time the company I received financing thru was owned by the dealership. If I had known I probably would not have gotten the car. When there is no disclosure of business relationships its hard as a consumer to make informed decisions. 
I was later been made aware that I received an offer from XXXX XXXX as well as XXXX XXXX but was never given the option of this other financing company. Since obtaining this loan I have been unable to trade it in because of a lawsuit with the car and the amker and the value has since been cut in half of what I owe.
Product: Credit reporting 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. They stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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: Debt collection

I was contacted about a collections account and I reached for verification of debt and explicit request to make sure this was verified and not reported to my credit pending proof. 

Company did not respond nor verify and have the information on my credit. Will sue if not removed immediately
Product: Credit card or prepaid card

Ive inquired numerous times In The month of XX/XX/2020 to increase my credit line due to how much I use it. I understand how the procedure is done through an AS ( Automated System XXXX Ive been told my credit was too new and I have too high of credit utilization this was back in XX/XX/XXXX of 2020. Ive never made a late payment Ive always been on time Ive never defaulted. The only derogatory remark I have when I call settle they tell me the account has been moved which negatively has been effecting my credit. As a collection agency they arent allowed to call me but they are required to mail me about the transfer of my collection debt which they havent making it hard to make a payment. I finally tracked them down but bc my debit card literally snapped in half I havent been able to pay them. This is just the start of my issues with how Ive been treated. XXXX XXXX I made a payment from my XXXX XXXX account and it was bounced back m. So I made a payment from my XXXX XXXX  account the same one I clicked the first time and Ive been waiting for the payment to clear mind you this is 8 days later. Ive had this incident happen before and Ive done the procedures to get the funds released immediately however when I called discover about this they told me they cant escalate the payment even though they have in the past. Ive filed multiple complaints with them and to no answer Ive called multiple times and they give me the run around Im done dealing with my credit on my own please protect me
Product: Credit card or prepaid card

I purchased food from an online company. The meat arrived thawed. We cooked it, it was not eatable. We cooked more a few days later for guests, same thing, then my wife became sick. I complained to Co. They issued a partial refund of {$69.00}, they still owe me {$250.00}. They wont refund. I filed dispute with credit card co. They did nothing. They sent me a letter, see attached. 
1. They did not investigate with merchant. 
2. They did not give me explanation as to why I owe the balance. 
3. I asked for, but never received copies of documents from merchant proving that I owe the money. I received no documents. 
4. I was never told by credit card co. as to how much I owe and why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that XXXX XXXX reported this entry XX/XX/2019 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. I sent a letter to XXXX XXXX disputing the validity of their entry and the mere fact that they did not provide any written communication to me prior to inserting the entry on my report. 
This company has had months to respond to me with the financial responsibility page or anything that verifies this account indeed belongs to me. 
Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that XXXX XXXX has no intent to honor nor respond to my previous disputes with my signature reflected on the documentation ; therefore, in the absence of them not sending me notification prior to inserting this on my report, this entry must be removed from my credit report immediately.
Product: Debt collection

I have been in various disputes with Spring Oaks Capital , LLC since they showed up on my credit report in XXXX of XXXX. This occurred after they spoke with spouse who informed them that we had not had any sort of loan through the company from which they purchased the supposed debt. 

The original creditor was XXXX XXXX. I've not even heard of XXXX XXXX until this ordeal, and I honestly couldn't say what sort of credit the company provides to customers. I know that I am not a customer, though, and they have apparently provided my information to the aforementioned debt collector. 

Since XXXX, as previously stated, I have filed several disputes regarding this $ XXXX debt. Somehow it has managed to still show on my credit report. 

The mind boggling part of this situation is how you're expected to prove a debt isn't yours, while the little, if any, proof the creditor provides is sufficient based on a similar name or something to that effect. A similar name does not constitute paying a debt that isn't due. 

I have unsuccessfully disputed numerous times because I haven't proved the debt isn't mine; but stating it's not should be enough. The burden should not fall on a supposed debtor who, like myself, may have no documentation of any sort because there was never credit provided to begin with. Creditors should actually have to prove who the correct debtor is rather than targeting an individual who possesses commonalities with the debtor. 

I am hoping for a better result going through the CFPB and hope to have this debt removed entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting agencies by mail disputing XXXX XXXX informing them that this account is a fraudulent and that my identity had been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX just appeared on my credit report this week. It is an account that says I 've had it for XXXX years. This is not me, the account is fraudulent. This is ID theft. I have never opened an account with this company. Please remove from my credit report as it violates hippa and the cra.
Product: Credit reporting or other personal consumer reports

Bankruptcy was placed on credit file was advised by the court that they didnt report anything to credit bureau .
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has on my credit file as balance or money owed to XXXX XXXX Credit Card account showed by transunion # XXXX there is no balance owed or money owed on this account as stated by Transunion of {$490.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau has violated under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.SXXXX CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. The following accounts U S DEPT OF EDGSLATL Account Number : XXXX XXXX  Account Number : XXXX
Product: Mortgage

I was offered and excepted covid forebearence relief. After 18 months i called to ask what's the next step towards repayment. I was offered to repay all at once, add additional amount to my current monthly mortgage payment or the amount owed would have to be paid in a balloon payment once my current mortgage was completed. I choose option # 3 balloon payment. 
Then they say they sent me a letter 2 weeks later saying i did not qualify for the 3 option they offered me and i accepted because i did not qualify for the deferment. I never received this letter, nor was i called and/or left a messege about such letter, nor was an email sent to my personal account ot email to my Chase app account on my phone that i use daily. So the word forbearence is the only word i have been told about since this process began and now AFTER 18 months i do not qualify for the new word im now being told DEFERMENT. Its a bait n switch type of feeling.

If i qualify for forebearance ( There's a financial reason ), so telling me 18 month later i do not qualify and pay 18 months of back payments, without telling me anytime in the 18 months period i do have to pay 18 payments in 1 payment, knowing covid killed my employment is wrong. 
Please advise
Product: Credit card or prepaid card

The bank is aggressively trying to push " paperless statements '' to the point where I am getting one e-mail a week and numerous pop-up notices about this nonsense. I have told the bank at least 10 times by fax, e-mail and letter that I WILL NOT make the account paperless, I have adjusted my settings accordingly, but they ignoring my communications and persisting with this.
Product: Credit reporting or other personal consumer reports

This is really detrimental to my overall well-being, I keep seeing inaccurate information on my credit report which is causing me immense stress. I thought the economy was bad, but after looking at my credit report it is clear which is way worse. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

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, 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 an account without my written instructions.
Product: Credit card or prepaid card

HSBC USA Fraud Department denied my fraud claim without producing any evidence. 

I Traveled to XXXX XXXX from XX/XX/XXXX to XX/XX/2019. I lost my wallet and my HSBC credit card ending in XXXX ; the card was NOT in my possession when it was used fraudulently on XX/XX/XXXX. I don't know who used it. It was used on XX/XX/2019 at XXXX de XXXX XXXX XXXX ; The total fraudulent transaction amount was {$2700.00} I contacted HSBC Fraud Security Center immediately after I realized I had lost it. I waited for the investigation and on XX/XX/XXXX I received a letter from HSBC stating that the claim was denied. I contact the security center to receive an explanation of the investigation and proof of the purchase, and they were very secretive. I finally ask to speak with the investigator her name is XXXX XXXX. She wasn't available, requested to have her call me back, never received a call. After multiple times calling and calling to get the documentation involved in this transaction and the investigation paperwork. I was told that they had not received the credit card receipt that they had requested multiple times and that the company where the credit card was used at hadn't send the receipt yet. 

Then I asked why they are making me liable of charge that is fraudulent? the answer was because they feel the transaction wasn't fraud. I asked how they know I'm not telling the truth with no evidence backing that decision. They are avoiding to give answers and produce conclusive evidence of the investigation. I call and call and XXXX is never available. 

I really need help. I was hesitant to use HSBC as my primary bank and now I feel I was right. They are discriminating me and I feel without evidence accusing me of using the card for my benefit. I need help with this company. I'm accused and liable of a credit card charge I didn't commit. 

Attached is he police report. 

Thanks