23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - 1. The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

2. A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

These Accounts doesn't Belong to me : 1. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please Remove This Inaccurate Account 3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. IThe following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

In XXXX of 2021, we were approved to borrow {$23000.00} from Enerbank. As the work was completed on the house, the funds were given to the XXXX. My outstanding balance today is {$23000.00}. I have made payments totally {$1600.00} and I began making payments before any payment was actually due. They took all of that for interest, The last payment I made in XXXX, for example, {$340.00} was due - I paid {$400.00} and {$32.00} was taken from my principle. How can that happen? At the bare minimum, shouldn't any extra that I pay go toward the principle? Of my {$1600.00}, {$110.00} has gone to my actual loan. 

I just think that something shady is going on. I did call twice, she said that it's {$9.00} per day interest. That's fine but where did my {$1600.00} go?
Product: Mortgage

My loan was transferred on XXXX XXXX 2015 from XXXX to us bank. 
On my last statement with caliber dated XXXX XXXX, 2015, my outstanding principal balance was {$540000.00}. That should be the amount outstanding when the loan transferred to us bank. 
but when it transferred on XXXX XXXX, it was {$540000.00}, which is {$1800.00} short, which is the additional principal payment that I made and that I am MISSING! 
and that {$1800.00} is not the same {$1800.00} applied as principal on XXXX XXXX, it is the {$1800.00} that I paid towards principal on XXXX XXXX TO XXXX XXXX XXXX prior to the loan transferring to US bank. i have all the proof and I will attach with this complaint. 
I already filed a complaint against XXXX, and this one goes to us bank, so they can track payment history and adjust my principal balance {$1800.00} that I am owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are violating the United States federal code law under 15 U.S. code 1681b - Permissible purposes of consumer reports I never gave them or the companies below any written consent to report anything on my consumer report or consent which is identity theft. 

XXXX Inquiry : Account Name : XXXX XXXX, Date : XX/XX/2021 Account Name : XXXX XXXX, Date : XX/XX/2021 Account Name : XXXXXXXX XXXX Date : XX/XX/2021 Account Name : XXXX XXXX  XXXX Date : XX/XX/2021 Equifax Inquiry Account Name : XXXX, Date : XX/XX/2021 I have sent them a letter stating that they have violated these laws and they have still not deleted this from my consumer report.
Product: Credit card

I have been an account holder with TD Bank/Target card services for almost 2 years. They offer the ability to pay the bill in store, which I did. I made my payment on XX/XX/24 in the store so that my payment would post within the billing cycle and so that I could receive the credit and not be reported as 30 days late. However, to my dismay my credit card was reported as 30 days late and reported to the credit bureau. Although, I see that the payment posted on XX/XX/24, and that the charge card re-aged the account to the XXXX with a {$.00} credit. I would like for Target to make the appropriate correction and report accurate information.
Product: Credit card or prepaid card

JP Morgan Chase has decided to decrease my credit limit and did so without notification of doing so. The decrease was more than half of my previous limit for over 5 years. Because of lack of notice I used the cad. the usage would have been less of 10 % but because of the decrease I am now in danger at 50 %. I am currently in the process of trying to buy a home and other financial decisions. I called and escalated my issue ( XXXX ) and was met with an option to make a hard inquiry on my report. Again causing further credit damaging issues. 

The fact of lack of notification is my biggest issue. Note I have paid on time have good credit and been a long time customer. Banks need to honor their customers and offer more transparency in evaluating. We are humans making real life decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Overview Account number XXXX 15 Account status Late 30 days Available credit NA Reported balance {$23000.00} Credit utilization NA Date opened XX/XX/2022
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I applied for a line of credit with SYNCB. A hard pull was made on my report but I did not receive the line of credit. 

Pursuant to 15 US CODE 1681 ( n ) this hard pull needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian puts an undue burden on the consumer to temporarily lift a security freeze. One used to be able to temporarily lift a freeze in a few minutes on the Experian website. Now they require you to send all sorts of documentation to Texas through the mail, wait for them to process it, and then I suppose send a snail mail reply that the freeze has been lifted. Why is this? With computers i should be able to do all that I need to do with XXXX to get my HELOC in a few hours, now it will take a few weeks only because of Experian. Every phone number I called XXXX, XXXX, and XXXX is the same and after requesting my social security number the computer gives two options and winds up hanging up. It is not possible to get a person. I did find one that gave me a long list of things to send to Texas but it was so fast that I couldn't write it all down and then it hung up. I was able to get a temporary PIN from Experian but then their website wouldn't recognize it to allow me to temporarily lift the freeze. My guess is that the goals here are either to get people to pay a lot of money for some Experian membership where they get decent treatment or to make security freezes so unwieldy that people will remove them.
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed - XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company XXXXXXXX XXXX is reporting late payments every single month on an account that has been closed. I have reason to believe this company has an intent to charge this account off of speedily. I noticed they notated XX/XX/2024 as " 90 days '' past due and the month XX/XX/2024 as 150 days past due. These behaviors are violations of the Fair Credit Reporting Act per 15 USC 1681s-2. Past due payments reflecting from " 60, 90, 150 '' days past due are not supposed to be reporting while an account is closed. XXXX XXXX is reporting this information as if the account is still open. This is both fraudulent and malicious. The account is closed but also does not report a " CLS '' notation in the payment summary that will correctly indicate the account being closed. It just continues to report late each month eventually leading into " charged off '' status. XXXX XXXX appears to be reporting an inaccurate account with actual knowledge of errors. I believe they're furnishing this inaccurate information to my consumer report intentionally. XXXXXXXX XXXX is reporting this information unfairly and illegally. Please see supporting documents attached to this complaint.
Product: Student loan

Navient has consistently lost documents, misappropriated payments and given me poor information to help handle my loans.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax and XXXX for their repeated failure to address multiple fraudulent entries and inaccuracies in my credit reports. As a victim of identity theft and human trafficking, numerous fraudulent accounts have been opened in my name without my authorization, severely damaging my creditworthiness and financial stability. 
Despite numerous requests, both Equifax and XXXX have neglected to remove the fraudulent accounts and an incorrect public record from my credit files. Their refusal to correct these inaccuracies is a blatant violation of federal law, specifically multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Act, which mandate prompt action to protect victims of trafficking and identity theft. 

FCRA Violations : Section 605B ( 15 U.S. Code 1681c-2 ) : Equifax and XXXX are legally required to block fraudulent information upon notification of my status as a victim of identity theft. They have failed to block this information, keeping fraudulent entries in my file in direct violation of the law. 

Section 609 ( 15 U.S. Code 1681g ) : Both agencies have failed to provide accurate and complete disclosure of all information in my file, as required by law. This is evidenced by the continued presence of unauthorized accounts and public records in my credit report.

Section 611 ( 15 U.S. Code 1681i ) : Neither Equifax nor XXXX have conducted a proper investigation into the fraudulent accounts and public record within the legally required 30-day period, demonstrating a failure to comply with this section of the FCRA. 

Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Both bureaus have failed to follow reasonable procedures to ensure the maximum possible accuracy of my credit information, continuing to report fraudulent and damaging information. 

Debt Bondage Act Compliance : Under the Debt Bondage Act, both Equifax and XXXX are legally obligated to block any fraudulent information within four days of receiving notice that the information is related to human trafficking or identity theft. I have provided the necessary documentation of my status as a trafficking survivor, and I expect full compliance with this legal requirement.
Product: Debt collection

I sent a certified letter they had to sign for stating that I was on needs based aid and was unable to pay any of these deaths at this time and wished for them to cease contact with myself unless it was a discharge letter we have continued to send repeated letters continue to try to call my cellular phone have even called my work place that I used to work at it is ridiculous these people are just unbelievable and they did sign for the document stating that I was a needs-based aid I have a copy of the card stating that they sign for it and that they excepted receipt of it
Product: Credit reporting or other personal consumer reports

I have unauthorized accounts listed on my credit report that I have no knowledge or consent. I am a victim of Identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries listed on my credit report. As a victim of a data breach, I have reason to believe these accounts and inquiries were made fraudulently and without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that these items be promptly blocked and removed. 
Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXX o Balance : {$470.00} 2. Creditor Name : XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance : {$2600.00} 3. Creditor Name : XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$510.00} 4. Creditor Name : XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$150.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$290.00} 6. Creditor Name : XXXX XXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance : {$630.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance : {$410.00} 8. Creditor Name : XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$290.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$410.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$00.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE DO NOT REPLY AS VERIFIED, HOW CAN FRAUD BE VERIFIED, I ALSO HAVE SUBMITTED ALL NECCESSARY DOCUMENTS This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX Date XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report on XX/XX/XXXX.It turns out that someone has been applying for credit in my name from XX/XX/XXXX but was unsuccessful because I have limited credit history.I contacted TransUnion to get the inquiries removed and all they wanted was to get me off the line.The first inquiry is from XXXX XXXX on XX/XX/XXXX.The second is from XXXX XXXX XXXX onXX/XX/XXXX and the third is from XXXX XXXX on XX/XX/XXXX.I hope that I can get my report to show my true credit responsibility.
Product: Credit reporting or other personal consumer reports

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. Both accounts XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX are reporting inaccurate information and you were notified in a letter dated XX/XX/year>. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus are reporting my auto loan with XXXX XXXX 30 days late for the month of XXXX. I have a letter from XXXX XXXX that states I have never paid 30 days late. This is hurting my credit score and the Bureaus refuse to correct even with supporting documentation. PLEASE HELP!!!!!
Product: Debt collection

I have gotten voice messages from this company advising that law enforcement/legal parties were involved and that I absolutely had to give them a call back. When I reverse searched the phone number, I discovered it was a debt collection agency.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I was targeted for a scam. I received XXXX texts asking if I made some charges which I did not. They immediately called me saying that wire transfers were happening as well. Of course I panicked and followed their instruction. When I thought I was undoing a wire transfer of {$19000.00}, I was in fact doing a wire transfer and unbeknownst to me, it was a Bank of America account to someone that opened a fake account. The money went into that account and when I figured out what had happened, I notified XXXX. XXXX did everything they could but told me that Bank of America would. have to give me back my money. I did some background checking and the money went into an account " opened '' by a XXXX XXXX that said lived in Nevada. He lives in CA and has a XXXX XXXX Account. NOT a BOA. I have tried to reach out BOA on XXXX and they tell me that I must deal with XXXX. This is ABSURD that people are able to open up fake accounts and funnel/launder money this way. I am over XXXX and this is a lot of money for me.
Product: Credit reporting or other personal consumer reports

I sent a letter to hireright asking the to reinvestigate the information listed on my driver report. I sent in information explaining that I was a owner XXXX for XXXX XXXX and had a right to refuse loads, I also asked for copies of all logs that the alleged had violations. I also ask for proof that being where I misappropriated company funds. A I never had access to company funds. None of this information was supplied. The only read what their customer said no proof provided this must be removed from my report
Product: Debt collection

1692g ( a ). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor. 


XXXX
Product: Mortgage

Hello, Im writing this letter because im having difficulties with my mortgage company, As of XXXX 2016 i was no longer able to afford my monthly mortgage payments due to the company that i work for is going thru some bad times and they had to cut my hours. 
i called Nationstar Mortgage and at the beginning they told me i was eligible for a HAFA Short Sale in order to avoid foreclosure, they told me to hire a realtor to place the property on the market. 
After 60 days on the market we finally received offers and were submitted to my mortgage company for approval, Nationstar told me that in order to continue they had to perform a Brokers Price Opinion which it was done a week later. After 2 weeks waiting for Nationstar Mortgage to call me back, i reach to out to them and they told me that their report came back at {$470000.00} value. 
I told them that i did n't agree to that value since there is no homes selling for {$470000.00}. Nationstar told me that i had an option to dispute the value and i had to pay for a full appraisal in order to take my dispute in consideration. 
So i paid for the appraisal out of my pocket, 10 days later Nationstar told me that my value dispute will be under review since they confirmed that the appraisal that i paid for show a value of {$340000.00}. 
Now Nationstar told me that they will reduce the price to {$440000.00} otherwise they will foreclose on my home. I believe this is not fair since the current offer that we have is {$380000.00} over {$40000.00} from the current value and Nationstar seems to have bad intentions against our home. 

Now after i called to speak to a manager and no one wanted to help me, Nation star has placed a Foreclosure Sale Date on my home set for XXXX/XXXX/16.