23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

This account is XXXX XXXX XXXX shouldn't it be removed from my credit report? If it is going to remain then the credit company must report correct and UpToDate information and I thought that the CFPB had a responsibility to ensure that this is what is happening. Instead, I am providing documentation of this account, and nothing is being done about the company 's negligent reporting causing my credit hardship when truly this is not the case. I will provide XXXX final letter hopefully this will be taken seriously this time. 

In case there is some confusion. I didn't write this letter the company did and all I am requesting is that the entire account be removed from the credit report since it is XXXX XXXX XXXX normally credit companies report for XXXX XXXX Or update the account to reflect the account is paid off as the letter explains and stop reporting this account negatively then in turn providing me with letters as though we are on the same page when in fact we are not. When will the CFPB acknowledge this letter sincerely hear my complaint and put a stop to this violation against the consumer? 

Thank you
Product: Mortgage

I have been working with my lender for a loan modification since early XX/XX/2016. I have submitted all documents requested and in the middle I was transitioning between a new job. I have sent in explanation of my new job which started on XX/XX/2016. To date I have only been paid one pay stub which was faxed over to the lender on XX/XX/2016. I am not withholding any additional pay stubs as I have only received the one pay stub provided. I am now being informed 3 days before the foreclosure sale of my home that I my application has been closed out for review because I am missing pay stubs for the month of XXXX, I have sent in an explanation that I had no pay stubs for XXXX as that was the beginning transition of my new job. They are now unwilling to postpone the sale stating there is not enough time, there would be enough time if they would postpone the sale and allowing me to send another pay stub from my next paycheck and keep the review open.
Product: Credit card

selling the debt to a new collector generally can not restart the statute of limitations itself. Here 's the breakdown : The statute of limitations is a set time frame after which a creditor can no longer sue you to collect the debt. Selling the debt does not change the original default date that started the statute of limitations ticking. Your Actions Can Restart the Clock : Even with a new collector, if you make a partial payment, agree to a repayment plan, or acknowledge the debt in writing ( in some states verbally too ), you might unintentionally restart the statute of limitations. New Rules and State Variations : Some states and federal regulations offer specific protections. For instance, Texas has laws preventing debt buyers from restarting the clock through your actions on time-barred debt. XXXX XXXX XXXX The statute of limitation bars the collection of this alleged debt and the original date of default is incorrectly being reported to the credit bureaus.
Product: Credit card

I obtained a credit card with Synchrony Bank to obtain a 18 month no-finance account to pay for flooring and install service from XXXX. We had just purchased the home so it was empty for the flooring to be installed. XXXX charged my Synchrony account on XX/XX/2016 for {$6000.00}. XXXX XXXX started install on XX/XX/2016. My wife and I attempted several times to get XXXX XXXX management to come to the home as the install did not look correct to us. My wife sent pictures to XXXX XXXX and XXXX, the flooring manufacturer. XXXX admitted the flooring is defective via pictures. XXXX XXXX continued install using wood putty on luxury vinyl plank flooring to hide the defect. In addition XXXX switch carpet on us and installed a lower quality carpet than what was contracted for. XXXX violated XXXX installation instructions, which would void the warranty. We rejected the install and merchandise. An independent flooring consultant hired by XXXX verified our complaint with the vinyl flooring. XXXX admits all this but refuses to install new flooring as furniture and personal items now need to be moved and they refuse to hire a professional to move our items. Synchrony twice has sided with XXXX but I have filed a fourth dispute with them stating a billing error in accordance with the terms of The Fair Credit Act has occurred since I have not received the merchandise or service I contracted for. Synchrony Bank and XXXX XXXX are trying to force me to accept the {$6000.00} charge.
Product: Credit reporting or other personal consumer reports

Equifax has once again failed to do its job, and Im beyond frustrated with this ongoing negligence. They are falsely reporting late payments on my XXXX  XXXX XXXX account ( Account # XXXX ) even though the payment status clearly shows Paid as Agreed. How is that even possible? XXXX and XXXX are reporting this account correctly, but Equifax is standing alone in misrepresenting my payment history. Under 15 USC 1681e ( b ), Equifax is required by law to ensure maximum possible accuracy in consumer reports. But instead, theyre violating this obligation by reporting late payments that never happened. This false information is actively damaging my credit and needs to be corrected immediately. I never missed any payments, yet Equifax is wrongly listing late payments for XXXX and XX/XX/year>. If the other bureaus can get it right, why cant Equifax? This makes me seriously question how they verify their databecause at this point, it looks like theyre either being negligent or outright reckless. I am formally disputing these errors under 15 USC 1681i, and Equifax is legally required to conduct a proper reinvestigation and correct this false reporting right away. I expect Equifax to update my credit file and send me written confirmation once this is fixed. I have been more than patient, but I refuse to let this continue. If Equifax doesnt correct this mistake, they will be in direct violation of the law and held accountable under 15 USC 1681n for willful noncompliance. This isnt just an inconveniencethis is my credit, my financial reputation, and my future at stake. I wont sit back and let Equifax keep damaging it. Fix this now.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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.

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 XXXX reports
Product: Mortgage

On XX/XX/XXXX Freedom Mortgage company failed to pay my property taxes from my escrow account. After receiving a delinquent notice from my tax authority via certified mail on XX/XX/XXXX, I called Freedom and they still didn't pay. I spoke with a total of XXXX different tellers who's names I have retained and was told they had sent check number XXXX. I was repeatedly given bogus tracking numbers making it impossible to research. So to avoid a tax lien, I had to pay myself. Tax Authority receipt number XXXX paid XX/XX/XXXX by myself. Now they won't issue a refund according to them for over 60 days. I'm XXXX living on Social Security and I can't afford this. They are the most ingenuous company I have ever worked with and I feel they need to be prompted by someone other than myself to refund my money. Thank you.
Product: Debt collection

XXXX XXXX XXXX representing XXXX have filed a collection report on my credit report. My XXXX  dropped 22 points! The amount is {$1300.00}. This is absolutely not my account. I have no knowledge of this account or the bogus debt.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ). XXXX XXXX XXXX balance {$9500.00}, XXXX XXXX XXXX XXXX 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

Dear Consumer Financial Protection Bureau, This is my fourth formal complaint against Aldous & Associates PLLC, with reference to the previously submitted complaints # XXXX, # XXXX, and # XXXX. Despite my previous efforts, the issues with Aldous & Associates PLLC persist, and I am seeking your urgent intervention. 

Despite multiple submissions of evidence clearly demonstrating the invalidity of the debt they are attempting to collect, Aldous & Associates PLLC has failed to address any of the information provided in my previous complaints. The only proof they have presented is a contract from the gym, initiated on XX/XX/2023, while my membership was canceled on XX/XX/2023. This proof has been submitted multiple times. 

Attached, you will find copies of the contract agreement, specifically highlighting subsection XXXX, which outlines the legally binding steps I followed to cancel my gym membership. This evidence clearly invalidates the contract agreement presented by Aldous & Associates PLLC. 

Additionally, I have provided proof from XXXX XXXX acknowledging the cancellation of my membership via email. XXXX XXXX, however, claims they can not provide further information and direct me to Aldous & Associates PLLC, who, in turn, have failed to provide any additional validating information. 

As per the submitted evidence, the alleged debt is invalid, and I have clearly communicated this to Aldous & Associates PLLC in previous complaints and phone conversations. Despite this, they continue to pursue collection without providing any substantiating information. 

This communication serves as my fourth attempt to resolve this matter through the CFPB before pursuing legal action against Aldous & Associates PLLC. I request a thorough investigation into their debt collection practices and an immediate resolution to cease any further attempts to collect this invalid debt. 

I appreciate your prompt attention to this matter and request that you communicate any updates or actions taken. Thank you for your assistance. 

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

I have a XXXX XXXX XXXX account that's showing late, but I never have been as I have this account on auto draft. I've asked for proof of late payments, and they will not respond to my letters.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX  XXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX Employers : XXXX XXXX Previous Address ( es ) 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

i receive a letter from IC system i sent them a debt validation back in XXXX they dont reponded i sent them a second letter they dont responded again XXXX weeks ago they reported on my credit report since then i tried to call them they don't wants to talk to me i called several time each person as soon i told them my reason to call they don't want help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> {$260.00} 15 USC 1692C ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt collector must cease all communication.
Product: Checking or savings account

Ameri Bank the branch manager close my business checking account for no reason I had over XXXX dollars in the checking account. I found out that the bank has my old email that I don't use I never give her that email. When I asked about the email why she had it the branch manager said that I needed a subpoena to look into that account with that email. I asked why do i need that when i only have one email in that bank. who open a account in my name with that email.. Please help me with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX  XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account : Unauthorized Hard Inquiry XXXX XXXX  XXXX 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
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX refused to send me a letter to inform the credit bureaus that they are reporting inaccurate information on my credit report file, I contacted XXXX XXXX on XX/XX/year> about a automobile loan I have paid off, that wasnt reported in bankruptcy as the credit bureau is reporting that the account is listed in bankruptcy the account # XXXX XXXX XXXX I informed XXXXXXXX XXXX the credit bureau are reporting this account as listed in bankruptcy, I spoke to XXXX XXXX employees XXXXXXXX XXXX  XXXX they both informed me that this account wasnt reported as listed in bankruptcy but they refused to send out me a letter to send to the credit bureau so that this error can be corrected
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX. 

I have made several attempts to resolve this issue with the collections agency choice recovery. I disputed this debt on XX/XX/22 through all of the credit reporting agencies and the response from XXXX was that the debt what accurate each time. 

I am a victim of identity theft and this collections is not mine. This has been reported to the FTC under report number XXXX. A police under report number XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This serves as my follow up complaint addressed to the XXXX, Equifax, and XXXX Credit Bureaus, in conjunction with the aid of CFPB. I have notified all three CRAs that I fell victim to identity theft. This written communication restate my request to have the inquiries linked to alleged identity theft erased and excluded from my credit file. The CRAs are mandated to carry out the removal of these specific inquiries within the stipulated timeframe. The identity theft report was previously enclosed with my initial complaint and is once again attached herewith. Furthermore, the information furnished by XXXX, Equifax and XXXX regarding these inquiries is unfamiliar to me. Conversely, these inquiries were individually removed from other bureaus. Hence, I maintain reservations about the precision of the data being presented for each of these inquiries. Here 's the list of fraudulent inquiries that needed to be removed immediately : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX we did a short sale of our home, located in California. The second mortgage was transferred to a collection agency, XXXX. In XX/XX/XXXX the debt collection agency XXXX was informed that under California law and attempt to collect the deficiency is not permitted. In addition as set forth in section XXXX, no such debt is even owed. This debt is reported on my credit report for at least 4 years, this illegal attempt to collect this deficiency has damaged my credit rating.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXX XXXX continues to report incorrect information, despite my prior attempts to rectify the situation.

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file.

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed. 

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.
Product: Checking or savings account

I have a Marcus savings account for many years now. But recently moved outside the US and started to slowly withdraw my money from the account. Recently, in the middle of a transaction they blocked my account for unknown reasons/ it has been more than 7 days. I called many times and no one is able to help me promptly or to give me a reason about what's going on. I called multiple times and all I hear is the account is under review. I have all my savings in there and it's an absurd that they take this long to tell me what's going on. I depend of that money to pay my credit card account and it's extremely concerning that they take this long to analyze it. I wonder what they will do with it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX, Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Money transfer, virtual currency, or money service

I have been a victim of a scam from an individual that mislead me to invest in XXXX. I wired from my personal financial institution to Crypto. The total amount sent was about XXXX. These funds were then sent to a different platform, XXXX. XXXX wallet is now withholding my funds ( total XXXX ) and are requesting I pay a deposit for withdrawal. Until I pay this deposit my funds are frozen. This is clearly a scam. I did not realize that my funds could be in jeopardy and Crypto did not offer any protection against scammers. 

I have contacted the authorities, such as the FBI, I have filled an IC3, a complaint with the Federal Trade Commission, the U.S. Securities and Exchange Commission, the Federal XXXX XXXX XXXX, the Department of Financial Services, the Commodity Futures Trading Commission, Massachusetts Attorney Generals Office, I filed a police report and have communicated this fraudulent activity with my financial institution.
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 right to privacy and confidentiality under 15 USC 1681. Accounts.XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX, # XXXX, XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXXXXXX XXXX # XXXX. Has violated my rights under sections 15 U.S.C 1681 section 602 A States i have a right to privacy, 15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instrutions,15U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reports containing any of the following items of information any other averse item of information, other than records of convictions of crimes which antedates the report by more than 7 years, U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.