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

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

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

I demand the late payment reported to be removed.

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

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

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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing an influx of credit inquires on my credit that I was never privy to. A bunch recently in XXXX : XXXX XXXX XX/XX/XXXX Inquiry BRCLYSBANKDE XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXXA XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry
Product: Mortgage

My mortgage was sold to Carrington Mortgage Services by XXXX XXXX XXXX. I checked on that companys reputation and was alarmed to find that they are known more for being a debt collector per se. i am behind in my mortgage payments due to heat pump repairs which have happened for three years in a row. I have tried to catch up but can not afford to pay the additional amount they quote to catch up. I have been paying at mid month each month until this month. At last I am able to make a payment on the XXXX ( the due date ) and will make another payment at mid month when my Social Security check comes in. However, Carrington has set up their online payment system to prevent me from paying on the XXXX if I am behind. Per an online chat with one of their service reps, I was told that I will not be allowed to make a payment until the XXXX. I find their practice detrimental to allowing one to catch up and places them in a better position to start foreclosure. There is no logical or reasonable reason for preventing paying online only on a specific date. The odds seemed stacked in their favor.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 items 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Original creditor XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX 5 Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Debt collection

I had a XXXX XXXX credit card that unfraternally went default due to a hardship that I am going thru. The account went charge off, I called XXXX XXXX with the hope to get a resolve my balance and prevent any legal collection. 
During my call with XXXX  XXXX I explained my situation and they offered the option to settle the account for less than the balance, I told them I could get a family loan for {$2000.00} dollars, the XXXX  XXXX representative answered he cant settle for that amount but will ask for an approval, He asked for some for XXXX  XXXX approval or decline my offer. 
After a few days of waiting, I called XXXX XXXX asking for the decision of my offer, but I was informed that the account was assigned to a Law Firm. 
This Law Firm is named Hunt and Henriques, so I called them but when I first called, they didnt have the file set up, so I just left my contact information. 
A few days later this Law Firm called me. At the beginning of the call the representative informed me that he was a debt collector, not an attorney. I asked if the company was a debt collection agency or a Law Firm, due to the activities they perform he clarified they are not attorneys, but they are debt collectors. 
In this initial call, the representative asked how I can pay the balance, but I explained that I was not able to do due to my financial crisis and the hardship I am going thru. I informed him I can get a family loan to settle the debt and I was waiting for XXXX XXXX approval of my offer before they sent the account to his office. At the end of the call he clearly threats me with a lawsuit because we did not meet in an agreement. 
A few days later, I received a second call from the same law office/collection agency, The representative asked for a payment in full and this time the pushed me hard to pay off the debt, for second time I explained my financial situation and this time the representative asked for my monthly income, expenses and the source of the income. After I answered all his questions about my financial crisis, the representative suggested that I was lying, and my answers do not make sense to him ; It was not a nice call since the collector called my layer. I asked to the collector if he can forward and show my offer to his client ( XXXX XXXX ) but he responded that was not possible because he was expecting to collect the entire debt and for second time, I receive a threat that I will get suit since I could not pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the CEO XXXX XXXX an email requesting that.they remove incorrect information credit report. There is an address that is on my credit report that I have never lived at. XXXX XXXX XXXX XXXX XXXX TN. XXXX. Previously Experian failed to investigate and offer a legitimate reason for not removing this address from my credit report. Please see the attached documents
Product: Debt collection

I did not authorized this company to add my personal health issues to the credit bureau. They are violating my rights and the HIPA law. 
Please delete from my files as soon as possible Sincerely. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this scam of inquiry on my credit report XXXX CREDIT/XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX No way to contact its just a scam I want this removed ASAP this is in accurate information and must be removed under the free credit reporting act Experian Response below clearly they have no intention in investigating. Because how can I contact creditor with the information they have listed. Please help CFPB In accordance with the Fair Credit Reporting Act, entities You will need to reach out to the creditor who pulled the inquiry in order to get more information about the inquiry and the manner by which it was requested. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXXXXXX XXXX XXXX XXXX TX XXXX For more information regarding your credit and answers to frequently asked questions, you may visit XXXX. Please note that you may submit your requests and/or documents supporting your claim electronically at XXXX. You may also visit Experians  dispute center at XXXXXXXX. Thank you for submitting your complaint through the CFPB Complaint PortaXXXX. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. And I was informed by EQUIFAX and XXXX that my information has been apart of a Data breach. After careful review of my credit report I have noticed several inaccurate reporting accounts. I have attached for your review. Please remove these accounts immediately for it is damaging my financial reputation. Thank you
Product: Credit card or prepaid card

Chase closed all my credit cards account for absurd reasons, which makes me and my family very frustrated
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft please see my documents
Product: Mortgage

Refer to complaint XXXX. The complaint was not resolved. The company did not correct my mortgage payment effective XXXX 2016 per their response. They admitted that they stole {$1200.00} from my escrow account to pay someone else 's taxes and that they penalized me by raising my monthly payment. They made their correction effective XXXX 2016 leaving me to pay the {$890.00} for XXXX which is {$220.00} more than was due for XXXX 2016. Their response did not address the other issues at all ... the fact that they have consistently paid my XXXX taxes late costing me late fees and interest. They did not respond to my request for a refund of the late fees and interest that they again stole from my escrow account. They also did not speak to their insulting and derogatory message " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' This statement is made on every call I have made to them and also appears in their response letter. They are not attempting to collect a debt, my account is not past due, I am calling them with questions and they are not a collection agency ... they are my mortgage company. I am 100 % dissatisfied with their response and demand action.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE XX/XX/2020, SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a title loan in XX/XX/XXXX on a XXXX XXXX XXXX XXXX. I received {$220.00} in cash and was given a printout of the loan papers. At the time no one really went through all the paperwork with me. Also the interest rate was 170 % on the loan. I made payments from XX/XX/XXXX to XX/XX/XXXX. I lost a job I was working at a local XXXX XXXX / XXXX XXXX. I was XXXX at the time and didn't realize the physical demands and was soon diagnosed with XXXX. The last payment was made in XX/XX/XXXX. I contacted TitleMax  to explain the situation and I was looking for another job. This ended up being a long process which set me further behind as I was only collecting my Social Security retirement and I am a XXXX XXXX  with no one to help me financially. TitleMax finally would accept a payoff of XXXX in XX/XX/XXXX. As I had no savings I asked my son and he would not help me. This payoff was for one day only. I called them back but to no avail. Once again I did not hear anything back. I did end up getting a part time job with the XXXX XXXX. So now I'm at a point where I am dependent on this car to keep my job. They are planning to have me back next school year. I worry constantly that I will be at work and my car will be repossessed and I will lose this job. As it is this job barely keeps me from drowning. 
I have recently tried negotiating with TitleMax for a reasonable payoff amount to no avail. I filed a complaint with NM Attorney General 's office. They contacted TitleMax for me but again no negotiation. The AG suggested I file a complaint with the NM Department of Justice. This will be my second. I am desperate to keep this job and want to come to a mutual payoff value to get my title back. My last conversation with them was about one month ago and they came up with a payoff of {$1700.00} in three  monthly installments. I simply can not afford this. I was told to call them back when I could. I just need someone who could lead a strong negotiation in my defense. They still practice in NM under a different name but TitleMax left our state in XX/XX/XXXX due to the bill approved to cap interest at 36 percent. 
Anything that could possibly be done to help me close this chapter of my life would be greatly appreciated.
Product: Debt collection

On XX/XX/2023, I contacted M & T Bank Corporation to opt out of the sharing of my personal information with non-affiliated third parties. 

Despite my request, M & T Bank Corporation has continued to share my personal information with third parties. 

I have attached a copy of my opt-out notice to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX. XXXX ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXXXXXX XXXX XXXX XXXXXXXX XXXX  : Balance : {$1700.00} : Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : Balance : {$130.00} : Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : Balance : {$180.00} : Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Balance : {$110.00} : Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Balance : {$400.00} : Opened : XX/XX/XXXX Inquiries : 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 XXXXXX/XX/XXXX I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.
Product: Credit reporting or other personal consumer reports

I am submitting this follow up with regrads to my response to the recent investigation. I disagree with your findings and am requesting complete accuracy. I am not convinced that sufficient efforts were made to contact the creditor reporting this information on my report. Therefore, I am requesting more information regarding the following accounts in question : XXXX XXXX XXXX XXXX Owed : {$550.00} ; XXXX XXXX XXXX XXXX Owed : {$4700.00} ; XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2022 UNIFY FINANCIAL FCU XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX CARD XX/XX/2022
Product: Debt collection

I had a Kohls charge that got closed in XXXX and it got sent to the collections agency. I paid it with a representative on XX/XX/XXXX they offered me a pay off balance and if I paid it off it would of been taken care of and it is still on my credit report.
Product: Mortgage

United Wholesale Mortgage is misleading me and the Consumer Financial Protection Bureau website when they pretend to present the truth. 
They use deceiving practices and excuses themselves to say that they have allowed the Consumer ( me ) 45 days before they purchased insurance. 
The evidence attached here ( issued by United Wholesale Mortgage ) CLEARLY shows that they purchased insurance ( XXXX XXXX XXXX  ) BEFORE they even NOTIFIED ME. 
The day they purchased insurance is : XX/XX/2022. 
The day they pretend they notified me to purchase insurance is : Notice XX/XX/2022. ( 12 days AFTER THEY PURCHASED INSURANCE ). 
Please STOP LIEING! Please STOP abusing me and my ACCOUNT.! 
The Forced Placed Insurance cost was a : {$6400.00}. The regular insurance cost is {$1100.00}. Do the math please! These facts CLEARLY shows they wanted to abuse my account and me. 
Dear Consumer Financial Protection Bureau, are you planning protecting us, the consumers? 
For how long should you tolerate this abusive practice against me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy XXXX  Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record
Product: Mortgage

I WAS AWARDED A GRANT FOR 6 MONTHS OF PAYMENTS ON XX/XX/2023. This would have paid my mortgage up to XX/XX/XXXX XXXX I tried to resolve with asking them to correct my account to reflect payments made to them for me. I have been trying since XX/XX/XXXX  when I confirmed the payment amount with them to fix no response and keep getting the run around. I also emailed the program that paid them and spoke with loss mitigation department that handled the payment no resolve or response. The grant XXXX XXXX or close to it. That should have paid thru XX/XX/XXXX XXXX XXXX
Product: Debt collection

I received a notice in the mail of an old debt for XXXX for an outstanding bill dating back to 2006. The notice is a settlement offer of {$100.00}. The statute of limitations has passed to collect on a debt this old. I called the company and informed them of this. The customer service representative placed me on " hold ''.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating this account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Under the collection of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX  XXXX  & XXXX XXXX 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. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''