23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My account was closed in 2017, i was making regular payments and it was closed with no notice or reason why. I called the company asking why and they could not give me an accurate answer and i was told i will still have to make payments even though they closed my account.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example XXXX is showing date of last activity as XX/XX/XXXX, Equifax XX/XX/XXXX and XXXX XX/XX/XXXX. They continue reporting incorrect information on my report.
Product: Debt collection

They have been calling since XXXX and in a matter of 3 hours have called 5 times and left 2 messages.
Product: Debt collection

I had a credit card dispute with XXXX XXXX XXXX XXXXXXXX XXXX. in XXXX. XXXX XXXX charged off the debt and sold it to a third party. No communication/no payments have been made by me regarding this debt ... and it should have been deleted from my record ( amount {$2200.00} ) some two and a half years ago. 

Recently, a SECOND third party debt purchaser, PORTFOLIO RECOVERY ASSOCIATES, purchased the account on XX/XX/XXXX and has made attempts to collect. 

I called the original creditor, XXXX XXXX XXXX XXXX XXXX. and asked for the ORIGINAL date they sold my debt to a third party. They refused and attempted to get me to call the new company assigned to the debt. I want no communication with the company so I called XXXX  and opened a case regarding fraudulent activity on my credit report. ( XXXX  Report Number is available ). XXXX  Fraud Agent, XXXX, ensured the company would contact both XXXX XXXX XXXX  and Portfolio Recovery, requesting my usage/activity as well as the ORIGINAL date XXXX  XXXX discharged the debt. 

XXXX  contacted me XX/XX/XXXX after ONLY contacting PORTFOLIO RECOVERY who generated the activity they reported since their purchase on XX/XX/XXXX. 

Personally, I've had only XXXX XXXX  card for the past nine years. By demanding the charge off date from XXXX XXXX XXXX XXXXXXXX XXXX, you will see how long the account has been on my account. XXXX  basically didn't do their job and the fraudulent account remains a blemish on my credit score.

In summary, if I could have access to XXXX XXXX XXXX XXXX XXXX and the date they charged off my account, it would prove PORTFOLIO RECOVERY ASSOCIATES purchase of the account on XX/XX/XXXX is fraudulent, being the account is well past seven years old.
Product: Credit reporting or other personal consumer reports

Dear Equifax : After reviewing your response to my dispute letter of charge-off account. 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. 15 U.S. Code 1681q. Obtaining information under false pretenses XXXX FIN Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting. 
1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant.

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again.

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

Im carefully tracking all correspondence with your company.

I think 30 days should be long enough for your company to complete this investigation. 
Sincerely, XXXX XXXX
Product: Debt collection

MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO OPEN THIS FRAUDULENT ACCOUNT IN MY NAME : XXXX OPENED : XX/XX/2020 XXXX. XXXX I HAVE ENCLOSED MY POLICE REPORT, ID AND SOCIAL.
Product: Debt collection

Lustig, Grayson and Wilson leaves a recorded message on my telephone twice a week saying to call them to discuss my account. I do not have any outstanding debt, I have seen all XXXX of my credit reports stating this. I have been advised by the Massachusetts Attorney General 's Office to not call these people. I would like them to stop calling and leaving their messages.
Product: Credit reporting

Hello, I asked Experian to delete an Account from my Credit Report but was unsuccessful in my efforts. I asked them to send me proof of validation but they failed to do so. I would like you to look into this and help me correct / delete an Account that is not mine from my Credit Report. 
Thank you very much.
Product: Credit reporting or other personal consumer reports

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

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

15 USC 1666b ( a ) Time to make payments A creditor XXXX 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 EXPERIAN 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! 


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

The following accounts are inaccurately reporting on my credit file. These accounts do not belong to me therefore I can assume that they are fraudulent, or my lost id may have been sold on the dark web. For whatever reason they still doesn't belong to me and I'm demanding that these following accounts are deleted from my credit files. 

1 ) XXXX XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}
Product: Mortgage

We really need your help and intervention with my foreclosure matter. We know our house is being illegally and fraudulently stolen from us by the use of fraudulent information put forward by BSI Financial Servicing operating as POA for Plaintiff in our foreclosure case. There will be a ruling on this in XX/XX/XXXX. The enforcement action you have taken against XXXX XXXX XXXX XXXX proves they are behind the scenes of an illegal Foreclosure taken place on our home. We have been fighting a foreclosure since XXXX. The case is in XXXX XXXX Florida XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE FOR THE XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX plaintiff is now XXXX XXXX I trust which is the same entity. The originating bank, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX in XXXX. FDIC took over. I won the first foreclosure, and it was found at trial that XXXX XXXX XXXX XXXX XXXX couldn't provide 4 years of payment history and did not they have the Promissory Note. They refiled the Lawsuit in XXXX. I just had my second day of trial XX/XX/XXXX, and the Judge is allowing us to write our Final Judgement. I just found out about enforcement action being taken against XXXX XXXX. XXXX XXXX was the document custodian behind the scenes in the securitization of my mortgage. See SEC filing of the Master Purchase agreement.https : XXXX. 
Furthermore, The FDIC set up a private portal with information pertaining to the origination of my mortgage. I have all the documents to give you. They revealed that # 2 loans were originated on the same day and the 2nd loan number had been paid in full. Plaintiff is putting forward a mortgage with the 2nd loan number on it that we never signed nor was recorded in the land records, this loan is the one the FDIC says is paid off. FDIC provided me with a copy of the original Promissory note with no endorsements. Furthermore, they have brought into the court the Promissory note with a Fake photocopy of an interest only addendum attached. This is further proof of trying to foreclose on a 2nd loan. We need your intervention in this matter. Please let me know how to give you the supporting evidence of this. We need compensation for the fraud that is being committed and should be award damages. BSI Financial Servicing is the Servicer and POA for Plaintiff in my case. They have already admitted to you one other time i filed a complaint of changing the terms of my loan before the due date. TILA violation. 
We appreciate all your help in this matter. 
Sincerely, XXXX and XXXX XXXX
Product: Credit card or prepaid card

somebody opened up a credit card through US Bank under my name. my identity has been compromised. i have gone to US Bank to have the credit card cancelled. i will also be filing a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act CAPITAL ONE AUTO FINANCE has violated my rights XXXX XXXX XXXX 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an 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 titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit card or prepaid card

Lowes/Synchrony Bank So I paid {$100.00} to Lowes at the store  on XXXX XX/XX/XXXX and {$50.00} on XXXX XX/XX/XXXX and received a notice that i was past due on a {$71.00} amount due and they included a late fee saying I owed XXXX. I paid the {$110.00} today XXXX XX/XX/XXXX, but this isn't the first time synchrony bank played funny numbers on payments. I feel that even when you are paying your bill with synchrony they are actively looking to try and charge you more.
Product: Debt collection

This company has harassed me about a account that Im supposed to have however have a card now with a balance of XXXX with a limit of XXXX. Im a victim of identity theft and dont understand whats going on. Im going to file civil suit for the harassment
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes reguarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing an evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act. ( FCRA ), 15 U.S.C. SS 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. SS 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighed in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as in accurate ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Sent Information  to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX notice some unauthorized inquiries appearing on my credit report I have attached supporting documents and a photo Id below. 

1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/year> ) an on XXXX its ( XX/XX/year> ) if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account front my friend report. 
Account Number : XXXX Account Number : XXXX
Product: Mortgage

Between XXXX and XX/XX/XXXX, and after I filed a CFPB complaint against Nationstar Mortgage, they allow me to submit a Second Loan Modification based on my hardship financial situation. I have submitted all the documents that they requested uploading them through its website. I contacted several times Nationstar Mortgage to get a resolution. On XX/XX/XXXX I spoke with a representative and he told me that the modification was denied without any explanation and I request a denial letter that they said they will email me and send on regular mail. Shortly after I received a letter dated XX/XX/XXXX ( attached ) stated that they are waiting for third party to complete the evaluation. I called again on XX/XX/XXXX and XXXX told me that they denied the loan modification and has sent the letter that I request again to have sent by email, XXXX told me that she was sending as an attachment on email. I have never received the denial letter. Instead I have received a letter notice that per agreement modification they will increase the interest rate per the schedule. Please see the attached letter. 
First at all Nationstar does not care about customer service, their phone system does not allow to speak with loan modification department. Nationstar does not care about clients that want to keep their home. They only care about increase interest rate and consequently their profits. I really doubt that they have a Loan Modification Department and or Underwriters that analyze documentation for loan modification applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing with the three bureaus for a long time. Now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do not belong to me / late payments that im not aware. 
*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments XXXX XXXX have been violating my rights by not giving me proper documents proving that they can obtain such information on my credit report with no signatures no proof of verification /no validation no signatures no XXXX. Please help me cause I'm taking this to the next level after this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX  Date : XX/XX/year> To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX Collection # XXXX, XXXXXXXX XXXXO # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay most XXXX dollars monthly through XXXX for all three credit bureaus to provide my credit updates. My account continues to decrease every day when All my open credit card accounts are in good standing and have no balances, yet my credit reports are stating my cards are at maximum limits. All open loans are current and paid accordingly. Credit bureaus are reporting negatively and it shouldnt. Myself and my husband pay XXXX memberships just to improve our credit and this continues to happen.Collections are reporting negatively that have no balances and shouldve dropped off, aged out or been removed. I have reported these concerns multiple times with minimum results. Closed Accounts with XXXX  XXXX, FXXXX XXXX XXXX XXXX, XXXX XXXX and BARCLAY continue to run DAILY, Monthly and Yearly reports severely impacting my credit scores with accounts have been closed for years and aged or aging out. These companies are running my credit and I have no relationships with them. Im being charged multiple collections for the same accounts reporting with different agencies with increased charges for the same accounts.
Product: Checking or savings account

My CD with CitiBank was closed on XX/XX/XXXX but they sent the check of the CD funds to the wrong address twice. They are not sending the check to the right address and refuse to help in this regard. 

A second request was created on XX/XX/XXXX and even that check was sent to wrong address. 

Total amount- {$5100.00}
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of unfamiliar, inaccurate and fraudulent accounts under my name. I am a victim of identity theft, and my information has been used fraudulently. As a result, there is an item on my report that I was never associated with. Following Equifax 's guidance, I promptly filed a report with the FTC and submitted all necessary documentation. However, despite my efforts, this fraudulent item remains on my credit report. This is unacceptable.
Product: Credit reporting or other personal consumer reports

This company has illegally placed a fraudulent collection on my consumer report without following the law according to the FCRA. The FCRA says a collection must send a 5 day notice before a collection is placed on a consumer 's credit report. I intend to sue this company if this collection company do not deleted these two fraudulent accounts from my transunion, XXXX and XXXX report immediately. I was denied for {$350000.00} home loan, my lawyer said this falls under financial damages. Deleted this immediately or I will have my lawyer take action right away.
Product: Debt collection

XXXX and Credit Service of Logan contacted me seeking payment of a debt without the source documents. I asked for the documents and neither company could produce them. Instead they produced an old contract from XX/XX/2011 which had been cancelled. If this were indeed the source document, then It would indicate that XXXX has been overbilling me for over 5 years by $ XXXX. I have contacted both companies and they fail to resolve the issue or produce the appropriate documents.