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

1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : ** - Credit reporting agencies are required to investigate disputes of inaccurate information on consumer reports. The late payment reported in XX/XX/year> is inaccurate and does not reflect my payment history correctly. 

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : XXXX XXXX  This section mandates that furnishers of information, such as XXXX XXXX XXXX XXXX XXXX must report accurate information to credit reporting agencies. The reported late payment is incorrect and violates this requirement.

3. Truth in Lending Act, 15 U.S.C. 1666b : ** - This law requires that payments be credited promptly as of the date of receipt. The payment in question for XX/XX/year> was not posted correctly, leading to an inaccurate late payment report. 

Details : In XX/XX/year>, my payment was not posted correctly, resulting in an incorrect late payment entry on my credit report. Despite the account being paid and closed as of XX/XX/year>, the incorrect late payment remains on my credit report. 

I request that the CFPB assist in having this incorrect late payment removed from my credit report. This inaccurate information is impacting my credit score and does not reflect my actual payment history. Please notify all credit reporting agenciesXXXX Equifax, and XXXX update my credit report accordingly and remove the erroneous late payment entry.
Product: Credit reporting

The company refuse to block the FCRA 605B Due to fraud. The company violated my consumer rights by not blocking and removing the fraudulent items that are on my credit report due to fraud. I filed a police report of the items that were stolen in my name. The company responded back that could not validate my police report. The police report is valid and my social security number was stolen to open the accounts under my name.
Product: Vehicle loan or lease

After reviewing my recent updates, I discovered that incorrect information still remains in my credit reports, despite having addressed it through written appeals. This lack of action on their part constitutes a violation of the Fair Credit Reporting Act, 15 U.S. Code 1681i, which stipulates that the continued reporting of unverified information without providing proof within the legally mandated timeframe is unauthorized. Below is the list of accounts that are still being reported on my Credit Reports. CAP ONE AUTO XXXX.
Product: Credit reporting or other personal consumer reports

This is the law : The following information in this report does not belong to me. My information has been compromised or, I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days
Product: Checking or savings account

TD Bank is blocking me from accessing my account information via external applications. This reduces my ability to use my funds as desired.
Product: Debt collection

Debt does not belong to me Received an offer letter to pay 45 % ( {$440.00} ) of total amount of {$980.00} to cease collection activity and the remaining balance with be held with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX  # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX/XXXX/XXXX
Product: Mortgage

Requested information to pay off homeXXXX Received first incorrect payoff statement-XXXX. This was incorrect because of the amount of interest due, an item called " Funds owed by borrower '', and because the amount of taxes paid by the lender. The lender is also the home builder and paid taxes on the property but paid them late which resulted in late fees. 

Since XX/XX/XXXX we have received multiple payoff statements. United Built Homes ( UBH ) has not responded to requests for an explanation of Funds owed by Borrower, has not stated if they will pay for late fees due to their late payment on property taxes, and on the most recent payoff statement, UBH has included insurance and property taxes with these disbursement dates : property taxes XX/XX/XXXX and insurance XX/XX/XXXX. We were told in email to disregard the insurance, but the most recent payoff statement does not reflect this. I have asked for documentation from UBH that the current year 's taxes have been paid and have not received this, and the county website ( last time I checked ) does not show these taxes as having been paid.

It is documented in email that I have requested accurate payoff statements multiple times. Further, I have sent two wire transfers dated XX/XX/XXXX and XX/XX/XXXX that when combined amount to the cost of the home with taxes that were paid for XXXX minus the late fee incurred by UBH, though UBH is including this amount in the payoff statement.

UBH is currently stating that they are refusing these wire transfers, but I confirmed, through speaking with my bank, that as of today those transfers were not rejected or returned. That money is no longer in my account and has not been since the dates listed above. However, UBH has not updated their payoff statement and we consider the most recent payoff statement to be inaccurate and to include interest and charges that we either have not received explanation for from UBH or is simply inaccurate.

Further, we do not consider the work on our home to be complete as outlined in our agreement with UBH and communication with UBH employees.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, XXXX, XXXX, Jefferson Capital Systems, and any other relevant creditors regarding inaccurate credit reporting information and unjust collection activities concerning an alleged debt attributed to my name. Despite my repeated attempts to resolve this matter directly with the involved parties, they have failed to provide adequate documentation to substantiate the validity of the debt in question. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX. My direct contact number is XXXX. 

The specifics of my complaint are as follows : XXXX XXXXInaccurate Debt ReportingXXXX XXXX  XXXX, XXXX, XXXX, Jefferson Capital Systems XXXX and other creditors have reported an outstanding debt associated with my name, yet they have failed to provide sufficient evidence validating the existence and accuracy of this debt. Despite my requests for documentation, including signed contracts or agreements pertaining to the alleged debt, the creditors have neglected to provide such evidence. 

XXXXXXXX XXXXViolation of Fair Debt Collection Practices Act ( FDCPA ) XXXX  : Under the FDCPA, creditors and debt XXXX are required to provide accurate information regarding debts owed by consumers. Moreover, the FDCPA prohibits creditors and debt collectors from engaging in unfair or deceptive practices. Despite these regulations, the involved parties continue to pursue collection activities and report this alleged debt without providing the necessary documentation, thus violating my rights as a consumer. 

XXXX. XXXXDemand for ResolutionXXXX  : I demand that XXXX, XXXX, XXXX, Jefferson Capital Systems XXXX and any other relevant creditors take immediate action to provide documentation validating the existence and accuracy of the alleged debt. Furthermore, I request that they cease all reporting and collection activities related to this alleged debt until the requested documentation is provided. Additionally, I request the removal of any negative reporting related to this alleged debt from my credit reports until the debt 's validity is verified. 

Failure by the involved parties to comply with this demand will result in legal action. Any continued reporting of this debt and attempts to collect on it without providing the requested documentation will be considered a violation of the FDCPA. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX, XXXX, XXXX, Jefferson Capital Systems, and any other relevant creditors for their failure to adhere to federal regulations governing credit reporting and debt collection practices. 

Please acknowledge receipt of this complaint and inform me of the steps being taken to address this issue. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX  : XXXX cc : Attorney XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, when I checked my credit score on my banking website, I noticed that my credit score had gone from a score of XXXX down XXXX points to XXXX. I looked at why this had happened, and I noticed that a credit inquiry was made on XX/XX/2023 from XXXX XXXXXXXX XXXX. I did not apply for this credit card. When I called XXXX XXXX, they were able to identify an application made under my name, XXXX XXXX, but they had marked it 'suspected of fraud ' and didn't proceed with the application. They sent me a letter stating that the application was fraudulent and they were withdrawing the application. I asked them how to get this off my credit report and they directed me to file an identity theft report.
Product: Credit card or prepaid card

I found out about the fraudulent charges on my TD Business Solution Credit Card around XX/XX/XXXX and I immediately reported it to TD Card services. The fraudulent charges were all made through a series of XXXX XXXX  transactions in the sum of {$12000.00}. The dispute claims remain unresolved as of today. I am currently in the process of applying for a mortgage and this unfortunate event has greatly damaged my chance of getting one. I need the fraudulent charges remove from my account as soon as possible to prevent it from further damaging my credit health.
Product: Credit reporting

On XX/XX/2017 I checked my credit on XXXX and had a total of XXXX collections removed from my report. I checked my account again on XX/XX/2017 and all collections were placed back onto my account without sending me a reinsertion letter as required by FCRA section 611. I have called TransUnion at least once a week since then to try to get this issue resolved and have recieved no help, no one will transfer me or connect me to an American representative or the fraud department, multiple agents have even been beligerent, some have even told me they know what happened but it 's basically too bad and that I should file a complaint because they will not fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS IN RESPONSE TO COMPLAINT XXXX AGAINST THE COMPANY UNITED REVENUE CORP . I'VE TAKEN A LOOK AT THE RESPONSE AND THERE ARE STILL MANY PROBLEMS. UNITED REVENUE DID NOT SEND ANYTHING BACK TO VALIDATE THAT THEY ARE LICENSED TO COLLECT DEBT IN THE STATE OF TEXAS BECUASE ACCORDING TO XXXX XXXX XXXX THEY ARE NOT. THEY ALSO DID CLAIMED TO HAVE MAILED ME DOCUMENTATION BUT I NEVER GOT IT. IT WAS AN OPPORTUNITY TO ATTACH ALL RELEVANT DOCUMENTS TO THE CFPB COMPLAINT, BUT THEY DID NOT. AGAIN, PLEASE SUBMIT THE REQUESTED INFORMATION VIA THE CFPB PORTAL. IF YOU CAN NOT EXPLAIN WHY THE ORIGINAL CREDITOR IS REPORTING A DIFFERENT BALANCE AND PRESENT A LICENSE TO COLLECT IN THE STATE OF TEXAS THEN PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY BEFORE I AM FORCED TO TAKE LEGAL ACTION AND I WILL BE SEEKING {$1000.00} PER VIOLATION.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX, transunion, and XXXX were all notified certified mail and notarized with an affidavit of truth, police report, w-2, and an invoice for violating my consumer rights pursuant to title 15 usc 1681b, reporting negative without the written consent of the consumer, also title 15 usc 1681c-2 , removing and blocking all reportings from alleged fraud in 4 days. according to title 15 usc 1681n and title 15 usc 16810, XXXX, transunion, and XXXX are civilly and criminally liable for their willful non compliance and negligence
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been under an Income Driven Repayment program since XXXX of 2016 with a monthly payment of {$0.00}. I re-certify every single year in XXXX. XXXX and Federal Student Loans both reported negative information which lowered my credit score 148 points. In XXXX when it was time to re-certify, I received an email form both companies to let me know it was time to re-certify. I am still approved under that same IDR with a payment of {$0.00} per month as I am a single mother of XXXX.
Product: Checking or savings account

Navy federal has been been letting my account since XX/XX/XXXX. They been charging me return check fees for payments Ive made when I had sufficient. This been going back to as far as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified late payment listed below 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 correct
Product: Credit reporting or other personal consumer reports

I Did not consent these unauthorized inquiries and inaccurate address XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX XXXX MORTGAGE CREDIT XX/XX/XXXX XXXX XX/XX/XXXX CERTIFIED CREDIT XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX . Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXs customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple items with XXXX  & TransUnion and they always send me back an auto generated response that the infomration is accurate even though I have submitted letter from the company stating the correct informtion that needs to be reported. I disputed a XXXX & XXXX credit card account has being legally paid for in full with a letter from both companies, but they send me back a auto generated response with the same infromation and no changes. This makes me see how a company like XXXX got breached and compromised millions of people private information. They can barely handle a simply dispute. Same with TransUnion. These 2 reposrting services need to coordinate correctly with XXXX  and XXXX and report accurate information The two account are LEGALLY PAUD IN FULL
Product: Credit reporting, credit repair services, or other personal consumer reports

Too many inquiries on my credit report from companies I have never heard of Net Credit XXXX  etc
Product: Checking or savings account

I had my money deposited on XX/XX/XXXX from XXXX XXXX app And on XX/XX/XXXX I tried to withdraw my money instantly and it did not work then I tried to withdrawal my money standard and it went thru but was saying pending for 2 days and my account got frozen instantly then on XX/XX/XXXX my money returned to my Venmo account. I THEN GOT a email saying my account was permanently closed and I have sent in multiple emails and called them multiple times and no one is helping or explaining to me why my account is permanently closed I just need my money
Product: Money transfer, virtual currency, or money service

Account Ending in XXXX Capital One CID : XXXX CFPB Complaint ID : XXXX It has been over 90 days and Capital On has not returned my money that was fraudulently taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around on or about XX/XX/XXXX, I received a phone call from a collection representative by XXXX XXXX, he advised me he was calling from XXXX - XXXX XXXX XXXX XXXX XXXX. about a debt with XXXX ( XXXX ) XXXX XXXX. I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXXin the amount of {$2300.00}, in XXXX District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number XXXX XXXX. A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened onXX/XX/XXXX.
I called again on XX/XX/XXXX, and spoke with XXXX XXXX  again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding the continued reporting of XXXX  information by TransUnion XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX, in violation of applicable federal laws and my privacy rights. 

Recently, I received a notification from the XXXX  court stating that it does not report information to any third-party agencies. The court also confirmed that under the Privacy Act of XXXX  ( 5 U.S.C. 552a ), I have the right to opt out of any authorization that such third parties might claim to have. Additionally, the court clarified that they do not lend authorization for the dissemination of this information. 

Pursuant to federal law, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Uniform Commercial Code ( UCC ) provisions, I assert the following : Improper Reporting : XXXX  records must be reported accurately and only by authorized entities. Since the XXXX  court explicitly states that they do not authorize such reporting, the continued presence of this information on my credit report constitutes a violation of my rights. 

Violation of Privacy Rights : Under the Privacy Act of XXXX, I have opted out of any authorization for the sharing of this information. Any entity claiming otherwise is acting without lawful consent. 

Timely Removal Requirement : Under applicable laws, any inaccurate or unauthorized information must be corrected or removed within a reasonable timeframe. The notification from the court requires the removal of this XXXX  information within four ( 4 ) days, and failure to do so constitutes further non-compliance. 

I request that the CFPB investigate this matter immediately and take the necessary actions to ensure the removal of the inaccurate XXXX  information from my credit report. 

Furthermore, I demand that all reporting agencies cease any unauthorized dissemination of my personal data in violation of my rights. 

I have attached copies of the notification from the XXXX  court and any relevant supporting documents for your review. Please acknowledge receipt of this complaint and provide updates on the investigation. 

XXXX XXXX : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX XXXX
Product: Debt collection

I've disputed this over a year now. I took out a {$400.00} loan out 8 yrs ago and the collection agency XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS. XXXX is charging me {$2800.00}. I told them that Ohio does not allow hundreds of percent taken on pay day loans and I would pay off at a reasonable rate.They told me they will not remove for another 7 yrs if I dont pay almost 500 % interest on a {$400.00} loan that should be charged off by now they bought for pennies. Original creditor NCP finance Ohio who also was in trouble for overcharging and being predatory.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the fair credit reporting app FCRA to conduct a reasonable reinvestigation of disputed information on my credit report leaning in accurate or unverifiable accounts. Unresolved period the consumer financial protection bureau CFP b has recently filed a lawsuit against experian, Alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes period these failures are lying with my experience, where experience has neither corrected nor removed disputed items despite the evidence I provided, causing an ongoing harm to my credit standing. I am requesting immediate corrective action to remove.Or amend the disputed accounts comma as experience in action violates federal law and my rights as a consumer.
Product: Debt collection

After receiving the letter of validation from Exeter Finance dept. I've noticed that there are forgery and false information on this bill of sell. as for one that signature is not mine, as Ive stated in my affidavit my brother forged my signature but you overlooked that. Ive also sent in a letter from my brother with his ID attached apologizing to me that he has done me wrong, for which I've forgiving him for. and also on the letter of validation you had one address, then you stretched it out and put another address. that's forgery. Ive never staded at neither of these addresses my brother did, I never let know one know where I stay this is why he had to use his address because he did not know where I live. 
on the address you have XXXX XXXX XXXX I never stayed there but my brother did, you got XXXX or XXXX XXXX  XXXX, I've never stayed there but my brother did, you see all of this is leading back to my brother, this is why he is in prison now for theft and breaking and entering. therefore ive submitted documents to you numerous times, but you falil to see things in a different prospective. all I ask is for you to clear my name and go after the person who owe you money and that is my stepdaughter XXXX XXXX and not XXXX XXXX I would never co sign for anyone not even my mother, so why would I co sign for anyone else.