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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX To : Experian, XXXX, XXXX Subject : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE LATE PAYMENTS VIOLATIONS OF FCRA, XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX This letter serves as formal legal notice that your agencies are unlawfully reporting and continuously updating inaccurate late payments on my credit report in violation of 15 U.S.C. 1681i ( a ), Metro 2 Compliance, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Despite prior disputes, you continue to reinsert or update these derogatory marks, which is a direct violation of federal law and a willful act of defamation against my consumer credit profile. 

List of Illegal Late Payments You Are Reporting : XX/XX/XXXX30, 60, 90, 120, 150+ days late ( Experian, Equifax, TransUnion ) XXXX 30, 60, 90 days late ( Experian, Equifax, TransUnion ) XXXX 30, 60, 90 days late ( Experian, Equifax, TransUnion ) XXXX XXXX 30, 60, 90, 120, 150+ days late ( Experian, Equifax, TransUnion ) XXXX 30 days late ( Experian, Equifax, TransUnion ) These late payments must be deleted immediately for the following reasons : 1. FAILURE TO CONDUCT A REASONABLE INVESTIGATION ( FCRA 1681i ( a ) ) Under 15 U.S.C. 1681i ( a ), a credit reporting agency must conduct an actual investigation when a consumer disputes an account. However, you have failed to verify these late payments with independently verifiable evidence. 

XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The Seventh Circuit Court ruled that credit bureaus can not rely solely on information from the original creditor when investigating disputes. Since you have failed to produce independent verification, your continued reporting of these late payments is legally indefensible.

3. VIOLATION OF 15 U.S.C. 1666B TIMING OF PAYMENTS According to 15 U.S.C. 1666B, a creditor can not treat a payment as late if it was received within the required timeframe. If you or the creditor can not prove that these payments wer
e actually late beyond the permissible billing period, they must be deleted immediately.

4. WILLFUL NONCOMPLIANCE & LIABILITY UNDER 15 U.S.C. 1681N Each of these inaccurate late payments constitutes a separate FCRA violation, for which I am entitled to {$1000.00} per violation under 15 U.S.C. 1681n. Based on my report, there are 88 late payments all together from equifax Experian transunion, which amounts to {$88000.00} in statutory damages. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

While I was living in  XXXX  with my family   XXXX  as  XXXX   someone opened a Capital One account in my name. I found out from my local credit union years later. I never received any account or statements. I was out of the country. I did an ID theft affidavit, had it signed by a police officer and filed with my local police dept. I also sent all the information to   XXXX   XXXX   XXXX  . They then recently sent me three statements from Capital One saying it was my account. It lists an address in a city I 've never lived. The address is more information than I 've ever had. Capital One would n't talk to me about the account because I could n't confirm " details '' about it, yet they report it on my credit report. I ca n't possibly answer questions about an account I do n't have.
Product: Money transfer, virtual currency, or money service

Paypal refunded my account A refund to card amount of XXXX $ Another refund to card amount of XXXX $ paypal gave me numbers for the bank XXXX did a investigation with numbers provided by PayPal and stated no transactions what so ever has come onto my account from PayPal I need answers paypal I keep going back and fourth is it possible you guys put a number wrong so basically I'm out XXXX $ that was due to me I need something done about this I'm entitled to my refund XXXX doesn't have the refunds the numbers you keep provided to this complaint doesn't help the fact I don't have the refunds
Product: Mortgage

My mortgage is with XXXX XXXX and their service company is LoanCare. In XX/XX/2021, I went into contract to sell my apartment and on XX/XX/2021, my attorney submitted paperwork for payoff. My apartment is a co-op apartment in XXXX XXXX XXXXXXXX, so the original stock and lease must be presented at closing in order to complete the sale. LoanCare told us they need 4-8 weeks to process the documents for payoff. We are now at the end of the XXXX week and they still don't have to original stock and lease documents for closing. My attorney and I have contacted them repeatedly by email and phone and they say the case is escalated but still open. I was also told that they now need 3 - 6 months to process a payoff, which is absolutely unacceptable, as the buyer of my apartment may walk away from this deal and I'll have to start the whole process over again. Typically, when the stock certificate and lease are lost, the attorneys will issue an affidavit of lost stock certificate and a new one is issued. This happens all the time, but LoanCare and XXXX are refusing to do this and unnecessarily prolonging the closing. Yesterday, LoanCare said they they mailed the original documents to their attorneys in New York on XX/XX/XXXX, but their attorneys say they never received them and there's no tracking number. So were the original documents really mailed or are they just giving me the runaround. This should be a simple real estate transaction, but it's turning into a nightmare for myself and the buyer. I would like to lodge a complaint again LoanCare and XXXX. Attached is my and my attorney 's correspondence with them.
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 168b permissible purposes of consumer reports. 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. 

inquiry was not authorized XXXX XXXX inquiry was not authorized XXXX XXXX inquiry was not authorized XXXX inquiry was not authorized XXXX inquiry was not authorized XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit card or prepaid card

Hello, Earlier this year ( XXXX or XXXX ) I ordered a replacement Home Depot Commerical Pro Account card because mine was broken from overuse. However, the replacement card never arrived ; instead I began seeing fraudulent charges appear on my card statements, for about {$10000.00}. I realized someone intercepted the mail and began to use the card fraudulently. 

Immediately upon receiving the statement with the fraudulent charges I called Home Depot Customer Support to report the charges. The call went very well, and I was told there was no problem, I would not be held responsible for the charges. 

However, since then I have received an *unending* flurry of letters and statements from Home Depot claiming I owe them for the charges. I have literally called their Security Operations Department 25 times since then to clear this up. Each time I call, the amount I supposedly owe changes ( sometimes it is a credit for thousands of dollars ), and each time I am told not to worry, it will all be cleared up. There have now been at least two separate investigations opened and closed regarding my card ( s ), which for some moronic reason Home Depot did not close upon first hearing about the fraud. However, I have never been allowed to speak directly to an investigator and despite multiple pleas they refuse to call me directly. 

The most recent call I made with them was XX/XX/2021. I recently began to make notes of my calls because I began to realize they may not ever resolve this and I will need a paper trail to protect myself. 

On Monday XX/XX/2021 I received a call from Citibank attempting to collect on behalf of Home Depot for a $ 3000+ outstanding amount I was told I owe them. I explained the situation to them, however they refused to communicate directly with Home Depot to clear this up saying they " can't do that ''. They made a note that the charges are fraud but could not assure me anything going forward.

This situation is like being in a horror movie, where no matter what I do, I just sink deeper into the Abyss. I had had my Home Depot card for 8 years and paid every month except ONE completely and on time, and since the fraud occurred I have done everything totally right to try and resolve the situation and protect myself. However nothing has helped and the situation has now devolved into a situation where I am literally being harrassed by this evil company and its bank on a weekly basis with letters and phone calls. In spite of all my actions and time spent on trying to clear this up it just continues to get worse and more frustrating. 

Above all I am terrified Home Depot/Citibank will ding my credit score, which is very serious to me and could lead to terrible financial consequences for me personally.
Product: Mortgage

I paid off my loan early. I sent the lender a check for the outstanding balance and added extra funds to cover any pro-rated interest. The lender has put my payment in suspense and will not credit the payment made until I send additional funds to cover recording fees. The recording fee amount exceeds the actual recording fee charged by my county by {$100.00}. I have asked the lender to tell me who the 3rd party is that is being paid the {$100.00} as I am entitled to know according to section 23 of security instrument. I have been unable to get a response. The lender has now added late charges to my payment which is was not late. I have asked that the lender credit my payment and send me the original note and reconveyance so I may have them recorded. I have been told they are not allowed to do that. I asked to speak to a supervisor or someone who can answer my question intelligently and I am told they are not available by phone. This servicer is a very large loan servicer. I have to believe the additional {$100.00} they extort from their customers paying off mortgages is a very profitable but illegal cost center. 
I also did not request the demand statement that was issued so I do not expect to be charged for the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations. 

1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX 3.XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I paid for a lease with XXXX, upfront and in full. The agreement was for me to owe {$0.00} for the life of the lease. The attached contract and receipts show this was paid, including an additional cash amount corresponding to the turn-in fee. 

XX/XX/XXXX - 35 months went by and the lease was nearing the end, so I turned in the vehicle. At this time, the representative confirmed the vehicle was in good condition and the lease terms were completed. So I purchased another vehicle through the dealership. 

XX/XX/XXXX - 9 months after finalizing the lease, I was charged a fee since I didnt purchase a XXXX XXXX turning in the vehicle. Of course this was a mistake since I wasn't informed of the fee when turning in the vehicle and also because I have documents proving this was already paid over 44 months ago. So I started the process to get this corrected. 

XX/XX/XXXX - XXXX was initially unresponsive, as this occurred during the pandemic. But even though it was difficult to connect with a representative to correct their error, I immediately started getting late payments applied to my credit reports. 

XX/XX/XXXX to XX/XX/XXXX - I continued trying to work with XXXX to encourage them to abide by the contract. They refused. Then I started working with the credit reporting agencies to have false blemishes removed from my account. They simply asked XXXX if they were accurate, to which XXXX confirmed they were, and so no changes were made. All of the credit reporting agencies completely ignored the consumer, the contract, receipts and other documentation, and instead simply took the word of the creditor. As a consumer, all of my rights were taken away. 

XX/XX/XXXX - I ultimately gave up and just decided to pay the erroneous bill in order to have this removed from my credit report. So I paid the fee for a second time! Unfortunately this was never removed from my credit report. My score plummeted XXXX points based on this single, false record. And my hands are tied - there's nothing I can do to prevent XXXX from keeping these false records on my report and destroying my business. 

PLEASE HELP. AS A CONSUMER, I DID EVERYTHING RIGHT - MADE 3 YEARS OF PAYMENTS UP FRONT, PAID A BOGUS FEE TWICE, TURNED IN THE VEHICLE ON TIME AND IN GREAT CONDITION. I'M A PERFECT CUSTOMER, YET SOMEHOW THEY ARE STILL ALLOWED TO DESTROY MY LIFE!
Product: Credit card or prepaid card

I have 2 accounts with Citibank. One with Sears, Shop Your Way Mastercard, and the second with Home Depot. I have had the Sears card for about 4 years and for the most part have always paid my bill on time. I got the Home Depot card about a year and half ago and have always made the payments on time as well. I became unemployed in XXXX, XXXX due to covid. I notified Citi on the Sears card about my hardship online and was given a forbearance for that card. After it was over I made payments up until my unemployment was stopped. Payments were made until XX/XX/XXXX. The rep started calling me and telling me I owed more money then what was past due. I filed a complaint with CPFB and Citi responded saying it was correct. After not being able to pay Sears Card I notified Citi again and my account was placed on a payment plan. Citi said they would have to close my account but would still report to the credit agencies my payments were late. I did not have a choice to keep the account open. I was able to make 1 payment and then my unemployment was cut off again. I notified Citi about the status and they said they would note the account. Coincidentally Citi sent me a notice that they had lowered my credit limit on my Home Depot Card 2 weeks after closing my Sears Card. I had just made a payment and was never late. I notified Citi the first week of XX/XX/XXXX for the Home Depot card letting them know I was unemployed, not receiving unemployment and was not going to be able to pay. I notified them well in advance of the payment due date on the XXXX. I asked for a hardship or forbearance and they told me I " HAD '' to call in. I responded back online that I had never had to call in before and to note account I was not able to pay. Citi continuously refused to help me unless I called in. I notified citi again that I was upset and they were bullying their customers and playing games. Citi retaliated against me for complaining and taking actions against my Sears Card. I asked Citi to send me documentation and or all disclosures specifically showing me where it says I have to call in. To date Citi has refused to send any documentation or help with this account. Now this account has past due and late payments. I offered Citi to settle with me for the Sears account and they refused. They did give me a payment plan with a lower interest but they closed my account and still report late to the credit agencies. They lowered my Home Depot card limit which now both reflect badly on credit and have damaged my credit further regardless of my payment history. I was able to apply for hardship previously online through logging into my account. Citi has since taken that option away and refuses to assist unless you call in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Has failed to delete inaccurate information from my credit report. On XXXX  XXXX it shows that I have no derogatory marks on my credit report. But on Experian it shows and XXXX that I have XXXX derogatory marks. The company sent me a letter stating that they would remove the derogatory mark. Due to lack of proof that the accounts belong to me. I have already reported XXXX multiple times for stating they would delete the derogatory marks but they NEVER honor their words. 

Ive been a victim of identity and until further notice anyone that is reporting to my credit report must have proper documentations of signatures not PDF signatures but my actual signature. That is printed on any documents. I made this clear to all the creditors.
Product: Credit card

Today XX/XX/scrub>/2025 I received a letter of the cancellation of my credit card with ( XX/XX/year>2025 ) date due inactive credit card account. 
I immediately called PenFed to request if there was a claim I could make or how could they help me because I wanted my line to be reopened. The representative told me that theres nothing they can do when the account is closed due inactive account. 
I told the representative that I didnt want to use my card and I would try anything to reopened the account. The person said he was sorry. I know is not his fault so I did not keep complaining, but I feel it was an unfair practice.
Product: Checking or savings account

On XX/XX/2021, my credit card information was stolen. I reported it immediately to my bank, Chime. They have reversed all of the transactions but two of them saying they could find no error with the transactions. I filed a police report and notified them that I didn't make ANY of the transactions. They don't care. They say their decision is final. I'm still short for {$100.00} from the money that was stolen from me. Chime will not acknowledge that this was fraud, and still states that they found no error with this transaction, despite the fact that they found " error '' with all the other transactions. As part of their denial, they said I could request all the documents they used to come to this determination. I have requested those documents, and they still have not complied.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX have failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX alleging systemic issues such as failing to adequately notify consumers of disputed information outcomes. These failure align with my experience where these bereaus have neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as the inactions violate the federal law and my rights. Please remove the below accounts immediately : XXXX XXXX XXXX {$270.00} XXXX XXXX - {$530.00} XXXX XXXX XXXX - {$540.00} XXXX XXXX XXXX - {$680.00} XXXX XXXX XXXX - {$700.00} XXXX XXXX - {$720.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX {$510.00} XXXX XXXX {$440.00} XXXX XXXX XXXX$200.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$2700.00}
Product: Mortgage

My identity and information was used fraudulently with Wells Fargo for {$250.00} in 2007
Product: Credit card or prepaid card

My ex wife & I filed for divorce in 2009. She took out a credit card in my name, under her business name, with her business address. This cared was not submitted in the divorce & she is refusing to rectify the situation.
Product: Debt collection

The call came from some company called XXXX XXXX XXXX, XXXX. They left a voice message the other day trying to reach my daughter.I have no idea what my daughter may owe, but this company called me again this morning at XXXX, central time, while I was driving..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit repot in accordance with my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U : S : C 1681i ), 609 ( 15 U : S : C 1681g ), and 604 ( 15U : S : C 1681b ) after reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize disputed inquiry : XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXXand XX/XX/XXXX CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXXand XX/XX/XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.