23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was sold a short time later to Pacific Union Financial, and serviced by XXXX. Everything was fine until the servicing transfer to Pacific Union Financial. Every payment was made on time and in full. Pacific Union Financial sent us a letter, demanding almost {$2000.00} to " catch up our escrow account ''. I immediately called the servicer and they explained that our escrow balance was short, but they could not explain why. It was balanced at the beginning of the year, and the monthly escrow payment XXXX is more than the amount of our taxes and insurance. They offered to send me a pay history to help me figure it out ( I thought that was their responsibility ). I asked them to note that the escrow account shortfall was in dispute, while I researched the pay history and that we would reconvene as soon as I had a chance to review their documentation. The documentation took three weeks to arrive, and it came when I was XXXX XXXX, so I did not have a chance to review it immediately. There was no further contact or instructions. This morning, someone stating they were with Pacific Union Financial called me at XXXX demanding payment in full of the escrow shortfall or my agreement to a new monthly payment that is nearly {$300.00} more. I explained to her that I had previously spoken with someone and that we were investigating the shortfall. She stated that if we did not immediately pay the increased amount, that it would be recorded in our history as a short pay and that negative information would be reported to the credit reporting agencies. I explained to her that this is inappropriate, because I had not had enough time to review their documentation and that I considered their request to be disputed. At that point she became very argumentative with me -- threatening all sorts of XXXX and raising her voice. The call went over an hour with a very argumentative and harassing tone. We have never missed or short-paid a mortgage payment, since our first home was purchased over 20 years ago. We have an excellent credit history and payment history with this company and for them to use strongarm tactics and threats is very disappointing.
Product: Debt collection

Good day I previously wrote a complaint of equifax with the creditor XXXX XXXX requesting for the information to be removed from my credit. After reaching out to you they just updated my account as charge off,, transfer sold paid, for five yeas the account was and still under XXXX I sent in the police report to you alerting you of the Freud on the account and that XXXX XXXX was the second creditor and now I have a third party requsting that I contact them to make a payment for them now that the dept is to far long gone to sue I am requesting that you reach out to equifax to removethe dept under Freud of my account and they also drop my credit XXXX points for this I will also send the information that I have. And I never received a credit card from this company it was an installment loan so it shouldn't be say credit card cause I never had a card from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has sent me information that has an address I've never been associated with, or have any knowledge of the address they have on file. This account is unverifiable also Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 

Name of Account Account Number Provide XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account & Wrong Information Thank You,
Product: Credit reporting or other personal consumer reports

This is the XXXX time SpeedyCash has placed my name with a loan I never got and then sent it to collections, destroying my credit. I am sick and tired of this. I have NEVER opened an account with them and when I called them they said my name or information was not found in their system.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, I am now opting out of all authorization, I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Per the Privacy Act of 1974 ( XXXX ) ( XXXX ) ( Transunion ) ( Dept of ED/XXXX  ) has my private information and gives it out without my permission. They also report late payments, which is illegal. It is illegal to report transaction history. It is also a violation of the Privacy Act of 1974. In accordance with the Fair Credit Reporting Act ( Transunion, XXXX, XXXX, and Dept of ED/XXXX ) ) has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( XXXX, XXXX, Transunion, Dept of ED/XXXX XXXX can not furnish an account without my written instruction or permission. 15 USC 1666B, Timing of payments. Also, as a consumer per 15 US code 1681n : Civil liability for willful noncompliance, In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer because of the failure or {$1000.00} whichever is .greater. These accounts are also considered fraud, per 5 USC 554a. These Fraud accounts are listed below as well as listed on my FTC Report that I have provided, and attached with this cover letter. There should be no late payments reporting to any of my accounts, XXXX history is illegal to post to a credit report. 15 USC Code 1681b Permissible purpose of consumer reports. Per 15 U.S.Code 1681c- Requirements relating to information contained in company reports. No adverse item besides the conviction or crimes should be on your report. Any item that is a derogatory mark is not allowed into consumer reports ; this is another violation. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post- secondary school. 20 USC 1232g ( b ). 15 U.S. Code 1681 ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, Transunion, and Dept of ED/XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX I purchased a XXXX XXXX XXXX salvaged hood online from a NJ company, XXXX XXXX XXXX XXXX, and wired {$550.00} from my credit union ( XXXX XXXX XXXX XXXX XXXX ) for the purchase to XXXX XXXX XXXX XXXX bank account : Chase Bank XXXX XXXX XXXX routing for domestic wire XXXX, account XXXX. 

The funds verified received and the agent of XXXX XXXX XXXX XXXX I was working with told me they shipped the hood out within 2 days. I never got the hood nor a shipping invoice and after the agent told me it was lost in transit he agreed to a refund. I never received it and they will not respond to any attempts at contact. 

I verified with the domestic shipper XXXX XXXX that not only had XXXX XXXX XXXX XXXX NOT had a shipment in this time frame to me but that XXXX XXXX XXXX XXXX of XXXX XXXX, NJ had NEVER shipped anything with XXXX XXXX  ... nothing on their system records. 

Other background checking I did confirmed my suspicions that I had been scammed : website business address of XXXX XXXX XXXX XXXX, XXXX XXXX NJ for their auto salvage business is a residential address owned by a private individual not a business, business license agent another different name, phone number is a " call service '', the agent I exchanged XXXX emails with XXXX XXXX is a fake, etc. I contacted my XXXX to do a wire recall and gave them details of the scam/fraud to forward to Chase Bank where we wired the money. That was a little over 2 MONTHS ago and we still have NO response from Chase Bank. 

I want Chase Bank to help with this and they refuse to respond in ANY WAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX  I received an Inquiry from Capital One Auto Finance, stating that there was a late payment. I was never late on this account, I paid on time but you're listing me as late, it needs to be updated to paid as agreed. Please send me the documents that prove that I was late. If you can't show me proof, you need to remove this late payment. This is a permissible purpose and is a violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX reported s debt of {$1200.00} which I have no knowers of. I have never did business with this company and have never signed any contracts with this company. The date for the collection account is XX/XX/year>. 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Code : 15 U.S.C 1681 15 U.S.C 1681a ( 2 ) ( i ) I have a few reports on my credit profile that is incorrect and false.

Failed to provide a wet signature, contract and documentation to prove the account belongs to myself. I have XXXX knowledge of any of these accounts. 
These Collection accounts violated Code 15 U.S.C 1681
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Reinserted Late Payment XX/XX/year> To XXXX XXXX I am writing to formally dispute the reinserted late payment from XX/XX/year> that has recently reappeared on my credit reports. This negative information was previously removed, and its reappearance on my file is both incorrect and unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you have violated my rights in the following ways : 1. Failure to Notify of Reinsertion : According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if a piece of information that was previously deleted is reinserted into a credit report, the consumer must be notified within five business days of the reinsertion. I did not receive any such notification.

2. Requirement for Certification of Accuracy : Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( i ), information can not be reinserted into a consumers file unless the credit furnisher certifies that the information is accurate. I was not provided any evidence that this certification was made prior to the reinsertion. 

By violating these provisions of the FCRA, you have caused harm to my credit standing, and I demand that this issue be rectified immediately. I request that you conduct an investigation and remove this inaccurate information from my credit file permanently. 

If this matter is not resolved promptly, I will pursue legal action to enforce my rights under the FCRA and seek compensation for the damages caused by this erroneous reporting. I expect a written confirmation of the removal within the required 30 days of this letter. 
You guys have messed with this account numerous times all three bureaus are reporting different things one minute the late payment is updated to paid as agreed then next month it goes back to 30days late. It has also completely been removed from my credit as well then pops back up. This matter is ruining my life and causes a lot of pain and suffering remove this 30 day late immediately!! 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Ss 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion recently added a name to the credit report created by them that is not a legal name for me. 

By court order with the Circuit Court, 2nd Division in XXXX County, Arkansas, Judge XXXX XXXX approved an order for a name change with his signature and handwritten date of when the order would go into effect on XX/XX/XXXX. As of XX/XX/XXXX, the name XXXX could no longer be used for any purpose. The order applies to every person, business or government agency. 

Attached to this complaint is a copy of that court order.
Product: Prepaid card

They no further information can be provided there customer service hot line was ti use the app
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about all the negative items on my credit report per15 U.S. Code 1681 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX 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 to be updated.

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

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


XXXX XXXX TRANSUNION 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 card or prepaid card

My bank of America EDD prepaid account was compromised. Someone stole my card information and used it to withdraw {$800.00} from my account on XX/XX/2021 at around XXXX at a Bank of America at XXXX XXXX XXXX I called Bank of America to resolve this quickly. However, they appear to have no interest in providing temporary credit or any sort of resolution. My claim number is # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation into this account : Account name : XXXXACCOUNT # XXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly.Please provide all documentation stating that this would affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent Transunion credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. TRANSUNION DID REMOVE ALL UNAUTHORIZED INQUIRES AND XXXX NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES In accordance with the fair credit reporting act XXXX  account # XXXX was paid in full Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section XXXX Also state s consumer reporting agency can not furnish a account without my written authorization
Product: Money transfer, virtual currency, or money service

I used my Bank of America card for a payment for product, I repeatedly sent and email to that company stating i could not track my package with the confirmation they sent me because it says it does not exist, even though they sent me a confirmation code after i paid. Well after a month of not getting my product i filed a claim with Bank of America and they temporarily refunded my account, after the investigation they concluded that the merchant was correct and they took the money out even though i still never got the product.
Product: Credit reporting, credit repair services, or other personal consumer reports

and prior XXXX report shows self correction and agreeing to correct a problem with many different angles including not sending a credit card that originally wasnt ordered by me anyway and continues violations of the FCRA rule in regards to reporting erroneous information when already agreed to correct the issue. Trans Union XXXX and XXXX each corrected the status of the account to XXXX agreed but did not eliminate the two missed payments displayed on the credit card I never ordered. The settlement was agreed to was self that would be taken off the record since it was their fault for ordering a card I never ordered. To maintain status quo I agreed with XXXX to keep the card but Im starting to regret it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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