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

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XXXX XXXX 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 XXXX days before the payment due date. 

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 XXXX  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 or other personal consumer reports

XXXX XXXX DATE OPENED XX/XX/year> BALANCE $ XXXX not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). I demand account removed to prevent further Identity theft of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Checking or savings account

On XX/XX/XXXX, my Wise account was closed. At this time, I had more than XXXX euros in my account. So I applied for a refund. I submitted the information as requested. One day later, Wise responded to my appeal, but did not mention that I would be refunded. After that, I asked Wises customer service many times, and the customer service replied that the money in my account had been refunded to the sender. So I asked Wise for more detailed information, such as the sender 's name. But Wise never responded. So I initiated a complaint in wise, but in the end wise still didn't solve the problem. Wise doesn't give any information about where my money is going. I suspect Wise is being used by scammers.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Medical Data systems INC Account # XXXX Balance {$2100.00} When trying to validate they broke HIPPA law. I know my rights and this is very wrong. 
They must remove this collection from all credit bureau it reports to!
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts and sending all documents in for the last year the credit bureau XXXX  and Transunion refuses to delete fraudulent names and addresses from my credit reports. My name is XXXX XXXX XXXX XXXX  XXXX and my address is XXXX XXXX XXXX XXXX , NC XXXX and they refuse to delete all other fraudulent names and addresses as requested. I have raised concerned with them that this is fraudulent activity and wanted it investigated because it had to be from XXXX  data breach of people credit profile being hacked and they still refuse to delete these fraudulent names and addresses!! and Transunion also has refused to delete the same
Product: Mortgage

The problem is I am working with a mediator to keep my home from being foreclosed on. I became negligent on my morning when my ex husband left me. My ex took loans out against the mortgage without my signature when the loan was with XXXX XXXX. This made the mortgage payment {$2700.00}, there is no way I could pay that even with my ex still here. The new services for this loan is thru Shellpoint aka XXXX XXXX but this is the XXXX time in 3 years the servicer had changed and I have to redo all the paperwork, or the bank waits until I have to resubmit new financial documents. At this point there is so much interest and late fees from the last 3 years of stalling I do n't know if they will approve the modification to get the payment {$1400.00} or below. I really feel I am being taken for a fool and just being jerked around. The worst of it is at first I did not accept the amount of the mortgage but I cant prove it due to my ex burning everything in the file cabinet before he left. They say since I ca n't prove anything I have to accept the amount they say I owe.
Product: Debt collection

This a collection notice for medical for a work comp accident. This is an illegal collection attempt under the work comp laws of Texas.
Product: Credit reporting or other personal consumer reports

I did not open these accounts. Please remove all of these off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$770.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$340.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$280.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$180.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2200.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to seek the Consumer Financial Protection Bureaus assistance regarding unresolved disputes and potential legal violations by XXXX XXXX XXXX XXXX XXXX, and the U.S. Bankruptcy Court for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), concerning the incorrect reporting and handling of my personal and financial information. Despite my efforts over the past 60 days to rectify these matters, my attempts have been persistently ignored. 
Accounts and Reference Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Standards and Violations : XXXX. Fair Credit Reporting Act ( FCRA ) 15 USC 1681, Section XXXX ( a ) emphasizes the need for consumer reporting agencies like XXXX and XXXX to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. My right to privacy has been compromised through the sharing of my information without consent. 
XXXX. 15 USC 6801 outlines the obligation of financial institutions to respect and protect the privacy and confidentiality of customer information. The entities in question have failed in this obligation. 
XXXX. 15 USC 1681, Section 604 ( a ) ( XXXX ) clearly states that consumer reporting agencies may furnish reports only under specific circumstances, including having written instructions from the consumer, which I have not provided. 
XXXX. 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 highlight my right to opt out of such disclosures, a right that was neither respected nor clearly communicated to me. 
XXXX. 15 USC 1681C ( a ) ( XXXX ) and 15 USC 1681s2 ( A ) ( XXXX ) mandate accuracy in reporting and prohibit the furnishing of inaccurate information to consumer reporting agencies. 
XXXX. 15 USC 1681e requires consumer reporting agencies to maintain procedures that prevent violations related to inaccurate reporting, a standard that seems to have been overlooked in my case. 
Request for CFPB Intervention : Given these unresolved disputes and the apparent disregard for my rights as a consumer, I am seeking the CFPBs intervention to ensure that these entities comply with the law by correcting the inaccuracies in my records, ceasing the unauthorized sharing of my information, and adhering to the proper legal standards for consumer information reporting and privacy protection. 
Your assistance in this matter is crucial for rectifying the adverse effects on my credit report and overall financial wellbeing. I look forward to your prompt action and am hopeful for a resolution that respects my consumer rights and the integrity of my personal and financial information. 
Thank you for your attention to this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act, XXXX account XXXX ( XXXXXXXX XXXX  ) and XXXX ( XXXX  ) has violated my right to privacy. 

15USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604A states : A consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B states : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Delete the unauthorized credit inquiries immediately, as their presence is a violation of the Fair Credit Reporting Act and a severe infringement of my privacy rights. This serves as a final goodwill gesture ; failure to comply within 30 days will result in legal action, seeking compensation for defamation, negligent enablement of identity fraud, and Fair Credit Reporting Act violations. The clock is ticking, and your prompt resolution is imperative. XXXX XX/XX/2022 and XXXX XX/XX/2022. Please remove these fraudulent accounts immediately.
Product: Mortgage

The bank behind this servicer purchased our loan from our previous servicer. This company, Midwest Loan Services is the new servicer. This change occurred only this past XXXX. Shortly after we were told that we had an escrow shortage. It was pretty big. Almost XXXX. It was very upsetting. 
We had no choice but to reconcile this as the insisted it was legitimate. We did proceed to ask a lot of questions and got some numbers thrown at us in explanation. We asked for a lot of info on where the shortage came from, from the previous servicer. They took it over they should be able to explain it but they never really did. 
Our payment went up about {$54.00} per month. This was maybe late fall of XXXX. I recently got another letter from them. There was another escrow analysis done. Unbelievably it stated that we owed about {$4500.00} again! We were in shock. Almost XXXX since XXXX in well under one year? How could this be possible? Who could sustain this? They offer no explanation. They are certainly not going to call us. Why would they? 
It looks like I didn't even get a chance to talk to them about and our payment went up again!! We never heard of anything like this. Who could sustain something like this. I work and hope to retire in about 3-4 years, my wife does not work. She is receiving XXXX. We are in our home over 25 years. We have never, ever had escrow shortages like this. The most we ever seen was about {$600.00} at the most at the end of a year. Since about XXXX until the present we are encountering shortages anywhere from XXXX. It turns out they are doing the same thing to us as the past servicer did. Its a nightmare. A carry over of the same practices. We are afraid if this keeps up we are not going to be able to pay our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, 

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL

I am contacting your company in regards to an item(s) on my report 
that seems to appear to be a direct violation of FCRA Laws and fraudulent practices.
I have attached the account(s) with these errors and fraudulent practices:

(Please see supporting documents attached)

I would l like to break down the number of ways your company has violated and broken the law
1. Per FCRA you must verify and validate accounts with the original creditors, I have 
contacted US Bankruptcy Court and they have confirmed that they do not furnish any 
information to ANY third party entities and would only do so to government agencies. 
Let me remind you, that you are not a BUREAU, therefor you are not the government.

2. In conclusive to the above reference, the company that has violated Section 623 had no 
authority to furnish this information to you and I am requesting that this letter is 
forwarded to them as well for them to cease breaking the law

3. Your company has to date violated 15 US Code 1681 S-2 (a), and would then violate 15 
US Code 1681 S-2 (b) after this notice if you all choose to be WILLINGFULLY NONCOMPLIANT and do not remove this account from my report
4. Your company along with this unknown entity that has furnished this information has 
coerced with identity theft as I have not given ANY type of consent for you all to furnish
this account on my consumer report or to any third party; THIS IS AGGRAVATED 
IDENTITY THEFT IN ACCORDANCE TO 15 USC 1681-C2.
Product: Vehicle loan or lease

I purchase a XXXX from XXXX XXXX XXXX in XXXX, Ca. They sign me up with XXXX XXXX. I received my car registration and it stated that TD Auto Finance was the lienholder. I called the Dealer and they inform me that it was their right to sell the loan to another company without notifying me. They said that TD Auto would send me the ensuing paperwork. They only sent me a bill no other paperwork. Told me to go online and set up auto pay. I did that by submitting all my pertinent information. The XX/XX/2020 payment was taken out of my checking. I received a letter saying that the cancelled XXXX XXXX XXXX amount was forwarded to TD Auto. They also stated that they sent the Gap Insurance Payment was sent to the dealer. I was informed by my Credit Card that I had a late charge involving my XXXX alert. I called TD Auto they said that I had missed my XXXX payment. I asked how could that happen when I had set up Auto pay from my checking account on file. XXXX from TD Auto said that a check from the maintenance was not paid. The Auto pay was cancelled so no more fees would occur. She supposedly didn't see all the information and could not give me a concise answer. I was told to contact the one that sent the check. I indeed contacted them and they Sent me the cancelled check with front and back supporting that it was cashed. I see where all of this occurred with enough time to inform me that they cancelled the Auto pay. My credit card said that it was reported to XXXX. Thats was why I called them and was made aware of the above after the late fee and missed payment. I paid what they reported was owed. After receiving the cancelled check I was lied to openly by TD Auto. They cashed the check close my checking account from Auto Pay and reported me to XXXX XXXX XXXX all while they were paid. Since they are not on the same page with their reporting. A look into my file would have sufficed with me waiting for an answer. But they did what they wanted with distributing their information with out contacting me after I submitted all my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 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: Debt collection

Unknown account appeared on credit report. I have never heard of this company or this debt.
Product: Debt collection

" New Issue '' Barclay sent me statements I have reviewed the statements and highlighted areas of unauthorized charges on the cards that were taken used without my permission or consent. I informed the police department when all this occurred and the fact my life was threatened during this time and for safety reason stopped residing in my own home for the last 18 months.
Product: Credit reporting or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes and provide me who verified the information that you are reporting. Thank you. ''
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a washer/dryer set from XXXX XXXX XXXX XXXX California XXXX The amount was {$1700.00}. I charged the total amount on my Home Depot credit card. 

The items were to be delivered and installed on XX/XX/XXXX. On XX/XX/XXXX at XXXX pm I received an email from XXXX XXXX stating that my items would be delivered on XX/XX/XXXX between XXXX am - XXXX am. 

The items were never delivered on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and spoke with both the acting store manager and my salesman who provided this information : The vendor stated that the items were shipped however per XXXX XXXX warehouse personnel, the items never arrived at the warehouse. 

As of today XX/XX/XXXX I have spoken with my salesman twice and four different XXXX XXXX managers. 

Today, XX/XX/XXXX, the acting XXXX XXXX manager told me that even though the items were never delivered to me ie missing, she could not refund my money because the items were never received in the warehouse. I told her to order another set and cancel the first set. She said she could order another set but I would have to pay an additional {$1700.00}. I declined that ridiculous offer. 

After speaking with the acting manager today I called Home Depot credit card services and spoke with XXXX. I explained the situation and told him I wanted to dispute the charges since I have never received the merchandise even though I incurred a charge of {$1700.00}. 

XXXX gave me the following information : 1. The charges started billing on XX/XX/XXXX 2. He can not remove, stop, or put a hold on the charges 3. He can not contact the store 4. I have to work directly with the store This is a violation of trust. I now have a charge of {$1700.00} and nothing to show for it. 

I thank you in advance for your assistance.