23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters over the last few months to the creditors as well as to the bureaus about lates that were reported on my credit during the pandemic, that the creditors had agreed verbally over the phone to give me a deferment on the payments due to XXXX.  The lates are inconsistent and not correct, I have attached a screen shot of my report for you to see. 

The lates have drastically dropped my scores preventing me from getting approved for business loans and credit. 
I read about the care act listed below and am reaching out to seek your help. 

Section XXXX of the CARES Act amends the Fair Credit Report Act ( XXXX ) to address coronavirus-related accommodations made by furnishers. New XXXX  XXXX ( XXXX  ) ( XXXX ) ( XXXX ) requires a furnisher making a XXXX related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.
Product: Credit card or prepaid card

I HAVE BEEN FRAUDED BY COMPANIES WHO I NEVER DID BUSINESS WITH OR NEVER AUTHORIZED ANY OF THESE CHARGES THROUGH XXXX XXXX. I CALLED XXXX XXXX BUT THEY SAID THEY COULDNT HELP ME BECAUSE I DID MAKE THESE CHARGES AND THE COMPANIES GOT YOUR INFO FROM YOU. I LET HEM KNOW THAT IS UNTRUE AND I NEVER SPOKE TO ANY OF THESE COMPANIES AT ALL. I HAD TO END UP PAYING MY CREDIT CARD OFF AND NOW IT IS CLOSED AND THEY STILL HAVENT HELPED ME. I WILL LIST ALL THE CHARGES WITH DATES AND AMOUNTS SO YOU CAN SEE. I AM A ELDERLY WOMEN AND THESE COMPANIES STOLE FROM MY ACCOUNT. WHY WOULD XXXX XXXX NOT BACK ME AS A CLIENT AND GIVE ME THE AMOUNTS BACK OF WHAT WAS TAKEN FROM ME. THEY SPOKE TO ME LIKE I WAS STUPID   SAYING MEAN THINGS TO ME SCREAMING AND YELLING AT ME. PLEASE HELP ME GET MY MONEY BACK. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$680.00}. I am formally submitting this CFPB Complaint to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2023 I submitted a identity theft alert to XXXX  for Experian and XXXX for rental screening reports that listed an address, an account, payment history tradeline, and public records to include an eviction that all resulted from identity theft. On XX/XX/ Experian updated and concluded information listed associated with XXXX XXXX XXXX XXXX, NC XXXX and Account name- XXXX XXXX would be deleted from both my credit and rental report. On XXXX Experian Rent Bureau  sent an email via XXXX stating that information was accurate. XXXX XXXX did not provide any tangible evidence that I signed anything related to this property for renting purposes. Rent Bureau is trusting the verbal acknowledgement that forged lease agreement are viable to prove this is my account and rental history. XXXX XX/XX/2023 XXXX RentBureau case number : XXXX advised that nothing can be done on my part even with a police report and active investigation after data furnisher- XXXX XXXX, XXXX which managers the property that was fraudulently rented. XXXX stated that I, although am a victim theft can not stay on hold to speak to a supervisor, no matter the urgency of this matter. Rent Bureau- XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number : XXXX
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 consumers rights to Privacy and confidentiality under 15 USC 1681 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  has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 am writing to formally request the immediate blocking and permanent deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these entries were made without my authorization, in violation of my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Mortgage

I do not owe a {$91000.00} mortgage on the property at XXXX XXXX. 
I do not use a {$100000.00} line of credit I paid off in XX/XX/XXXX. 
I do not use a {$24000.00} line of credit I paid off in XX/XX/XXXX. 
I did not refinance a {$33000.00} VA loan on XXXX XXXX. 
I did not borrow any down payments I paid off the {$260000.00} loan released in XX/XX/XXXX with the {$260000.00}. 
They want me to pay again. 
I paid off the {$240000.00} balance with the {$360000.00} I paid to Indymac. 
I paid off the {$49000.00} XXXX principal balance with the {$49000.00} paid to XXXX and {$5700.00} paid to XXXX. 
I paid the taxes and and insurance with the {$70000.00} difference in the 7 % XX/XX/XXXX mortgage supposedly paid off in XX/XX/XXXX and the {$260000.00} Indymac/XXXX mortgage at 4.34 % The XX/XX/XXXX XXXX loan paid off the XX/XX/XXXX mortgage that was refinanced in XX/XX/XXXX The XX/XX/XXXX refinance paid off the loan recorded and released on my neighbors lot XXXX in XXXX XXXX. 
Paid off again by a XXXX mortgage from XXXX XXXX that did not pay off anything. 
XXXX XXXX used a paid in full line of credit to pay off a VA loan I had already paid off. 
And a {$24000.00} line of credit along with the {$18000.00} paid to XXXX/ XXXX {$9400.00} + {$2700.00} {$14000.00} of credit to pay off {$14000.00} paid to midland I wish to pay off the current balance with the {$120000.00} lines of credit and the {$91000.00} mortgage on my duplex. 
{$220000.00} + the {$130000.00} + XXXX {$140000.00} paid to the VA mortgage. 
= {$360000.00} They only owe me {$140000.00} for the VA loan. 
Credit cards. They can use the {$170000.00} individual payments to pay the {$100000.00} principal balances ( that were also discharged in my bankruptcy ). 
They can return the remaining {$73000.00} credit and the {$30000.00} paid to XXXX for the {$100000.00} line of credit. And refund the {$24000.00} used to pay the escrow to the duplex for the new buyer for the {$4700.00} Ocwen loaned me on my {$5000.00} HAMP incentives. Instead of the {$5700.00} XXXX payments Ocwen used to pay to XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX taxes they did n't have to pay ( because I paid it off early ). 

In all I have paid all of the {$510000.00} on the XX/XX/XXXX mortgage I had paid all of the {$130000.00} on the XX/XX/XXXX duplex loan. 
I paid all of the {$99000.00} on a VA loan I assumed and never refinanced. 
For the above I paid all monthly payments with taxes and insurance to pay off 15 year loans on each property. 
Plus the {$41000.00} duplex payoff in XX/XX/XXXX and another {$62000.00} to XXXX XXXX from the foreclosure. 
I didn't/do n't owe anyone anything on the VA loan paid in full I did n't use or authorize and gave no one any security interest in a line of credit on my duplex from XX/XX/XXXX. 
I did n't use, mortgage or owe anyone any money on {$24000.00} line of credit on my house from XX/XX/XXXX. 
I do n't owe and could not mortgage my neighbors property. 
I do n't owe anyone else anything for any other recording errors.
Product: Credit card

I bought a camara and fill out an application for a credit card, they say sent to my mailbox but I did not receive the credit card, some else it to buy several things
Product: Credit reporting, credit repair services, or other personal consumer reports

A Santander Consumer Auto Loan for a XXXX XXXX XXXX was paid in full on XX/XX/19. They sent me letters datedXX/XX/19and XX/XX/19 stating as such and one of the letters said they would update their records as such. 
Yet onXX/XX/19 they reported the account as 30 days late. I have talked to them on multiple occasions, so far nothing has been corrected. 
My wife who was also on the loan just pulled her credit report and it is still showing the delinquent report, with the phrases of " NOT-MORE-THAN-TWO-PAYMENTS-PAST-DUE '' and " Date of First Delinquency XX/XX/2019 '' I have copies of their payment ledger, along with their monthly bills showing payments were paid on time and to their amounts. 
This is gross Negligence and Maleficence on their part and we need it corrected ASAP. 

I would strongly urge all to avoid them for any type of loan!
Product: Debt collection

I am a victim of identity theft I have dispute items with equifax and XXXX that wasn't mine but they refuse to move it they keep saying that it is reporting accurate I did not authorize my social security number or give copy of my ID to these companies so please remove these accounts of my credit I had almost prefect credit until this happened these are the accounts below that are not mine XXXX XXXX Original creditor is progressive XXXX XXXX XXXX Original creditor is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file maintained by TransUnion . The late payments listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payments in question are erroneous. My account has been on autopay, and all payments were made on time as agreed. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates the provisions of the FCRA ( 15 USC 1666 ( b ) ) as it misrepresents my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of incorrect late payments may also violate the FDCPA, which protects consumers from misrepresentation. 
Truth in Lending Act ( TILA ) : The inaccurate information is also a violation of TILA, which mandates the accurate reporting of credit accounts.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 require credit reporting agencies and furnishers to ensure the maximum accuracy of information in credit reports. Failure to correct such errors can result in civil liabilities as outlined in sections 15 U.S.C. 1681n and 1681o. 
Account Information Account Number : XXXX High Balance : {$27000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 30 Days ( XXXX, XXXX, XXXX, XX/XX/XXXX ) Requested Resolution : I request that TransUnion conduct a detailed investigation into this matter and remove the inaccurate late payments from my credit report. Please update the entries to accurately reflect my XXXX XXXX on-time payment history. 
Attachments Copy of my government-issued ID. 
Copy of my Social Security card. 
Proof of current address ( e.g., utility bill or bank statement ). 
Copy of my full credit report highlighting the disputed account and inaccurate late payments. 
I look forward to receiving confirmation of the resolution within 30 days of this letter. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A states I have the right to privacy The following names, Date of births, employers and addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XX/XX/XXXX proper name is : XXXX XXXX XXXX XXXX address : is XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX please remove all employers Fromm XXXX credit report proper date of birth : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested to have credit reports sent to me, but TransUnion sent a reply via mail stating they can not send me a report since I have had one within the last 12 months. As it is stated that due to COVID-19 I should be offered free weekly online reports until XX/XX/2021. TransUnion declined and told me I would have to pay {$11.00} for it.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinv
estigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

On XX/XX/2020 I bought 4 bras under a buy one get one free promotion. I received a total of 8 bras eventually. However, only 3 of these 8 bras were the style I ordered. I decided to return the 5 bras that were not the style I wanted or ordered. The order for the 3 bras was {$40.00}, {$40.00} and {$28.00} for a total of {$100.00}. 

I have been paying {$35.00} on the bill since XX/XX/2020 XXXX for 4 months ) 4x {$35.00} = {$140.00}.

Comenity, however, claims I still owe them {$69.00}. According to them, they gave me a {$36.00} credit on XX/XX/2020, but this does not correspond with the original order. Then on XX/XX/2020 they charged me a late fee of {$35.00}. I asked them to remove this late fee. 

This does not make sense. I have three bras, one should have been free, and I should have been only charged for 2 at the price of {$40.00} each for a total of {$81.00}. Instead, I've been paying {$35.00} a month for the last 4 months which totals {$140.00}, and they are still claiming I owe them {$69.00}.

They owe me {$58.00} and my other free bra per the promotion. 

When I talked with Customer service many times, they said I sent in all 5 bras have been accounted. 

Comenity is over charging me, and I don't understand why. 

My frequent communications with XXXX/Comenity have not resolved this issue. 

I'm attaching 3 documents 1 ) original credit card order 2 ) my first letter to XXXX 's 3 ) XXXX 's response
Product: Credit card or prepaid card

I have written to TD Bank three times requesting proof that that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.
Product: Debt collection

CREDENCE RESOURCE MANAGE I DON'T KNOW WHY XXXX XXXX IS CHARGING ME THE AMOUNT OF {$1000.00}. I CALL THEM LONG TIME AGO AND THEY NEVER SENT ME ANYTHING.
Product: Debt collection

I XXXX XXXX had a car towed that was previously stolen from me. Lien Enforcement INC. took over the Debt owed I put myself on a budget I personally could afford. I missed one payment by 7 days after paying for over a year DURING COVID 19. They tell me I have to pay the full balance because Im 7 days behind. I explain my situation to XXXX XXXX and hes not listening hes telling me I need to pay today or further action will be taken the debt is XXXX around there he tells me to hold on to get in lowered he comes back on the line and says I can pay XXXX to settle it today. If I told him before he put me on hold I dont even have {$500.00} why would he come back on the line with that response. Then 10 20 minutes go by of him telling me I need to go get a personal loan, pull from my 401k plan, I need to get a payday loan he asked me my position at my job he asked me how come no one else can help me pay it. He asked me how do I take care of myself which isnt any of his business he harassed me for 20 minutes about why I cant pay the debt. XXXX XXXX is very disrespectful and has no consideration for people. He asked me what banks have I tried to get a loan for like why is that any of your concern his only job is to collect debt not to harass me or try to force me to pay a debt when I can not. I paid XXXX for the car the tow yard sold it and now I owe XXXX $ for storage etc its really the last thing on my list. I explained I have no job I live with someone else its Covid 19 going on why are they calling harassing people all In personal business that has nothing to do with their job description. They have called me at work and held me up on the phone XX/XX/XXXX which was my last payment made after I repeatedly told them I was working. XXXX XXXX who I spoke to XX/XX/XXXX is the main harasser. He says how can we settle this today after I repeatedly told him either you can take my payment or you can put it on my credit he still kept going. Well I can split up the settlement into two which is over XXXX each after I just told him I dont even have XXXX to give.. its like he was intentionally antagonizing me. Trying to Belittle me as a person, because I cant pay a debt. Without People who owe debt they have no job. So they shouldnt be talking to people the way they do Lien Enforcement INC. Specifically.