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

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX MS XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized RESIDENT VERIFY Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized RESIDENT VERIFY Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX OPENED ; XX/XX/XXXX XXXX Thank you for your attention and assistance regarding this matter. 

Sincerely,
Product: Debt collection

According to the fair credit reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 reported in to be removed.

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

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX  Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report on XX/XX/2024, I discovered unauthorized new inquiries that I have no knowledge of. This violates the Fair Credit Reporting Act and is detrimental to my credit. Please find attached a letter explaining my rights in detail.
Product: Mortgage

Clear Recon Corp ( CRC ), AKA Aldridge Pite , LLP ( AP ) is illegally foreclosing non judicially on XXXX loan that was secured by a deed of trust recorded on XX/XX/XXXX in the XXXX, Alaska, Recording District XXXX and natured in XX/XX/XXXX on a XXXX XXXX XXXX alleged default stated by Clear Recon Voluntarily as XX/XX/XXXX. Unknown party referred the loan to AP for foreclosure in XX/XX/XXXX already time-barred in AK. Thereafter, CRC who can not record Substitution of Trustee to themselves also recorded Notice of Default on XX/XX/XXXX for the time-barred date XX/XX/XXXX, which notice set the trustee 's sale for XX/XX/XXXX. Due to a bankruptcy petition filed by the Consumer on XX/XX/XXXX ( XXXX XXXX. XXXX ), the trustee 's sale was postponed multiple times and eventually canceled because the statutory number of maximum postponements had been reached. On XX/XX/XXXX, the bankruptcy court granted a relief from the automatic stay to XXXX  XXXX XXXX that does not own the loan but not to XXXX erroneously allowing the foreclosure action to proceed. CRC was instructed by unknown servicer to proceed with the foreclosure, however, the file was placed on hold due to the COVID-19 moratorium. After the COVID-19 moratorium ended, on XX/XX/XXXX, the servicer instructed CRC to place a hold on the file for loss mitigation. Once the loss mitigation hold was released, CRC prepared and recorded a Voluntary Termination Notice rescinding the XX/XX/XXXX Notice of Default. A second Notice of Default was recorded on XX/XX/XXXX setting the trustees sale for XX/XX/XXXX. CRC has not responded to the Consumer regarding the CFPB Complaint and does not intend to so. Clear Recon Corp filed on XX/XX/XXXX an illegal non judicial notice of default and sale on his home with a XXXX XXXX XXXX stated default date on XX/XX/XXXX, years time-barred past the Alaska statute of limitations on mortgages, and requests that this time-barred non-judicial foreclosure be stopped. On XX/XX/XXXX, the Consumer filed an Adversary Complaint in the U.S. Bankruptcy Court, Alaska District, as Case No. XXXX ( Adversary Complaint ) for wrongful foreclosure naming CRC and the servicer as defendants. On XX/XX/XXXX, CRC filed its Motion to Dismiss Adversary Action erroneously alleging the Consumers claims are barred by res judicata or claim preclusion. At this time, there has been no ruling issued in the action on the Adversary Complaint, and a hearing was set to XX/XX/XXXX. CRC is violating AS 34.20.070 ( a ) that clearly precluded 4th non-judicial bite of the apple after judgments have already been given in the previous case.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is freeze for check my score
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a call in XX/XX/2019 from someone stating they were from the Law Offices of Crystal Moroney, attempting to collect a debt for returned checks in the amount of {$400.00} ( plus {$30.00} fee x 2 returned checks ), for {$460.00} total that were originally from XXXX XXXX XXXX. I requested that proof of this debt be sent to me, so that I can validate, and pay if needed. I was told they can email me proof. I never received an email. Also, the phone number listed on their website to contact them, there is never an answer. On XX/XX/19, I received another call from this " law office '' following up on the debt. I responded that I have not been sent any proof of this debt yet. They insisted that they emailed it on XX/XX/XXXX, and I continued to state that I never received it. I asked what address do they have on file for me. They had an incorrect address, and I proceeded to give them my correct address. I asked if the woman on the phone, representing herself as a lawyer, named Crystal Moroney, could please verify the amount I owe, and provide me with a file number so that I could attempt to pay online to stop this continued pursuit. She stated that the amount owed is {$790.00}. I stated that this is not the amount of the debt owed, and what makes this up? She stated that there are additional " fees '' added on being that it is 90 days past due and they need to make the original creditor whole. I stated that the original debt has been listed as " charged off '' on my credit report, so there is no making this original creditor whole. Clearly they have purchased this debt in an attempt to collect. She stated they do not buy debt, but act as lawyers on behalf of companies to collect debt. I again asked for proof of the {$790.00} debt to be sent to me, and I was met with severe pushback, and was told to check my email because it was previously sent in XX/XX/XXXX. I will not pay this company without proof of the debt, and also, based on their reviews online, as well as court cases I see against them, I do not feel safe paying them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Formal Complaint Inaccurate Reporting and Repossession Issue with XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the inaccurate and misleading information being reported by XXXX XXXX  on my credit report concerning a repossession. This complaint involves XXXX XXXX reporting inaccurate account information that is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as other federal consumer protection laws. Below are the details of the issue : Summary of the Issue : I financed a vehicle through XXXX XXXX under account number XXXX. This vehicle was repossessed, and XXXX XXXX sold it at auction on XX/XX/XXXX, for {$15000.00}. The original amount on the loan was {$17000.00}, and the full balance was reported as paid off after repossession. Despite this, XXXX XXXX has continued to inaccurately report the status of the account and the repossession on my credit report in the following ways : Multiple Repossession Entries : XXXX XXXX has reported the repossession for both XXXX and XXXX of XXXX, which is misleading and creates an impression of multiple repossessions for a single incident. This reporting of duplicate repossession entries is inaccurate and damaging to my creditworthiness. 

Misrepresentation of the Loan Balance : Although the vehicle was sold for {$15000.00}, XXXX XXXX continues to report inconsistent information regarding the balance, which is contributing to confusion and further harming my credit score. 

Violations : XXXX XXXX 's actions violate the FCRA by : Failing to ensure the accuracy of the information reported to the credit bureaus, specifically regarding the duplicate reporting of repossessions and misrepresentation of the balance. 
Failing to update the account status in a manner consistent with the law after the repossession and auction sale of the vehicle. 
Harm Caused : These inaccuracies have significantly damaged my credit score and my ability to obtain credit on reasonable terms. Additionally, this inaccurate reporting is causing undue stress and hardship as I try to move forward from the repossession. 

Actions Requested : I respectfully request the CFPB to investigate the actions of XXXX XXXX and compel them to : Delete the entire trade line for this account from my credit report due to the inaccuracies and harmful effects of their reporting. 
Ensure that XXXX XXXX fully complies with federal law by providing accurate and fair information to credit reporting agencies. 
If the CFPB finds that XXXX XXXX  has willfully violated the FCRA or any other relevant federal statutes, I request appropriate corrective actions be taken, including fines and any other sanctions deemed necessary by the Bureau. 

Thank you for your attention to this matter. I trust that the CFPB will take immediate action to investigate and resolve this issue in accordance with federal law. 

Sincerely, XXXX XXXX
Product: Mortgage

The bank did not provide any notice about an increase in my escrow amount and I was hit with a late payment fee because they do not have any sort of automatic bill pay besides having my own bank send a scheduled paper ( like ACH doesnt exist ) check. They apparently do have a way in which you can have them pull the payment each month but they have to mail you a paper form and it will not automatically increase the amount if the monthly payment goes up, say due to increased escrow amounts or fees Unfortunately we can't choose our mortgage servicer but they are by far the worst I have ever dealt with
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit reported an account that belonged to someone with a similar name that does not belong to me. I have never lived at this property called XXXX XXXX.
Product: Consumer Loan

I purchased a vehicle in MD in XX/XX/XXXX. My credit was not good and I needed a vehicle because my previous one was out of service. I accepted a {$500.00} down payment with a 24.999 % interest rate. I was not financially literate at the time and just took what I could get to have a vehicle. The purchase price of the car was around XXXX and now over 4 years later of making on-time payments, I still owe a little overXXXX on the loan and the car is only worth $ XXXX- {$2000.00}. I do n't have gap insurance and I feel that I was a victim of predatory lending and need assistance. I have already paid over XXXX on this loan with over XXXX remaining. I want to get out of this loan, but my options are limited. I have even considered getting another car and returning this one to the finance company as a voluntary repo, but really do n't need another negative mark on my credit history. The car dealer involved was XXXX XXXX XXXX XXXX XXXX XXXX, MD and the finance company is Regional Acceptance Corporation based in NC, they are a subsidiary of BB & T bank. Any and all assistance will be greatly appreciated. 
Thank you.
Product: Debt collection

A few years ago I made a complaint to The CFPB and Attorney General Office, Police about XXXX a cell phone company, And another collection agency. XXXX found out the charges of {$3800.00} was fraudulent and that I did not open any account. XXXX Deleted the Fraudulent debit from my credit file. and gave an apology for all the inconvenience it cost me to clear my name I checked my Credit tonight and a collection company ENHANCED RECOVERY has the same XXXX debit that was deleted years ago. on my credit report WITH BRAND NEW DATES like it had just been open. And this issue was closed and deleted a few years ago. it took months to clear my name. I want this Taken back off my Credit report at XXXX. and they allowed for this to be placed knowing full well it was removed. because of Identity theft.
Product: Debt collection

A couple of months ago I received correspondence from Sequium Asset Solutions regarding a debt that doesn't belong to me. I sent Sequium Asset Solutions a sworn affidavit via mail validating and supporting my claim. Currently, Sequium Asset Solutions continues to violate the FDCPA and FCRA laws by reporting and violating HIPPA regulation laws regarding the collection of Medical Debt and attempting to collect on debt for fraud victims. This clearly has caused and financial burden by causing premature credit denials.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax did not include my new credit card information with credit utilization rate. I am XXXX XXXX veteran who has XXXX kids. I tried to use my COE issued by US department of Veterans affairs to get VA home loan for my children. 
Credit utilization rate should be included in credit score and credit report. 
My XXXX score is XXXX right now today, if XXXX, equifax and XXXX  update my new credit info, it might be helpful for XXXX XXXX veteran and children. XXXX XXXX is better than XXXX for many good reasons for the middle class peoples and veterans. 

Department of Veterans Affairs REFERENCE NUMBER XXXX FOR LOAN GUARANTY BENEFITS SERVICE NUMBER SOCIAL SECURITY NUMBER XXX-XX- # # # # FUNDING FEE Exempt - SC with Monthly Award
Product: Mortgage

I received a letter on XX/XX/XXXXadvising me that the Loan Depot had returned my {$750.00} bimonthly payment made on XX/XX/XXXX. Another one was mailed out on XX/XX/XXXX that has not been returned. The due date from my loan is XX/XX/XXXX. I acquired this refinance loan in XX/XX/XXXX and have been paying every two weeks since the first payments were due. I have never been behind and the monthly payment total due is {$1200.00}. I am remitting {$1500.00} each month by the due date in {$750.00} payments every other Tuesday. I contacted Loan depot in attempt to fix this and was advised they " Loan Depot '' would be happy to set up a payment of twice a month to come automatically out of my bank. I was told they will NOT accept a partial payment from me. I do not want the mortgage company to have control of my payments and when they are made. I do not understand why they can set it up internally yet, not allow it externally. I am actually paying an extra payment a year to principal on my schedule. This allowed me to budget my money and it has been a struggle during the pandemic with my husband working part time. They did not remit my insurance payment they collected from my escrow timely resulting in it expiring and me having to pay money down to keep it in effect until they would pay it. They finally paid it in XX/XX/XXXXwhen the insurance company billed them again. I continue to suffer severe anxiety due to the inability to structure my budget accordingly. I am the one paying the fees for failure to remit timely payments if they return the payments because it is not a full amount on the actual date. This must be against some law and fair practice. I would like any information that allows for me to make my payments and protect me and be sure they are paying my house insurance with funds they have collected. Loan # XXXX
Product: Debt collection

I received a notice from XXXX XXXX XXXX XXXX XXXX today ( XX/XX/XXXX ) stating if I did n't resolve debt that they are authorized with in 30 days to file a lawsuit to collect the balance owing on the account. I have attempted to notify the hold of the debt. XXXX XXXX XXXX when they notified me of debt back in XXXX that this was fraud. I asked them to send me a signed copy of agreement and documentation they had. I never heard back from them. Now I am receiving a letter and a promissory agreement that shows no signature, just an electronic signature. I have also sent documentation to the credit reporting agencies showing this is fraud with no response on behalf of XXXX XXXX. They are outside of the guidelines of sending me verification of the debt back from XXXX XXXX. I request that this be investigated. They are in violation of the FDCPA by attempting to contact me directly.
Product: Money transfer, virtual currency, or money service

I received payments in my paypal account email XXXX after a day they limited my account I submitted proof but they locked me out of my own account and did not returned me money now they are asking me to wait for 6 months for my own money which is completely unfair it was my mistake that i joined paypal
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the negative items listed on my credit report. Specifically, I would like to address the following accounts : XXXX XXXX XXXXXXXX - Account Number : XXXX I have noticed that you have reported this account as updated, however, the same incorrect information is still being reported and nothing has been updated. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) as inaccurate reporting is not allowed. I would like to bring to your attention that the reported late payments are inaccurate and I request that you remove them from my account as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX Similarly, I have noticed that you have reported this account as updated, but again, the same incorrect information is still being reported and nothing has been updated. This is also a violation of the FCRA. I would like to request that you remove the reported late payments from my account as soon as possible. 

I believe that the inaccurate reporting of these late payments is having a negative impact on my credit score and financial well-being. As a consumer, I have the right to accurate credit reporting under the FCRA. Therefore, I kindly request that you take immediate action to rectify this matter and update my credit report accordingly.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had multiple trades get stuck in a pending status in stop limit. One of them was triggered way after I tried to cancel it and has since rebounded which cost me thousands of dollars. I have another one pending for XXXX XXXX at XXXX which should not trigger and I've wanted to cancel it for 24 hours now and can not. If it triggers and I wasn't able to sell it at the current price I wanted to today, XXXX, it will cost me {$7000.00}. Please just release my XXXX to me so I can trade it. This is so scary and frightening as a consumer to be held hostage by a company like yours with customer support that is not sufficient to handle the volume of requests. Please fix this and don't hold my assets hostage. My email is XXXX to locate my account. I can be reached at XXXX. Please fix this ASAP and email me that it is cancelled. If I need to provide any information, please let me know! This is just unacceptable. 

Unlock my assets stuck in a stop limit order and consider reimbursing my trading fees for the past week as you've already cost me thousands of dollars with your site failures. Please just make this right. I'm the little guy and this is unfair.