23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are TransUnion, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX is in clear violation of this law. XXXX is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. XXXX has my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Product: Mortgage

XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX XXXX WERE NOTIFIED OF MY BANKRUPTCY FILING AT XXXXXXXX XXXX  THE DAY OF THE TRUSTEE SALE DATE. I HAVE MY PHONE RECORDS REFLECTING THE OUTBOUND CALLS. I FAXED OVER MY BANKRUPTCY FILING INFORMATION AS WELL TO XXXX AND XXXX XXXX XXXXXXXX PRIOR TO THE TRUSTEE SALE HOUR OF XXXX XXXX YET XXXXXXXX XXXX XXXXXXXX PROCEEDED WITH SELLING MY HOME TO A THIRD PARTY. HOW BEING A TRUSTEE DID THEY SELL MY HOME WHEN I NOTIFIED THEM OF THE BANKRUPTCY FILING PRIOR TO THE TRUSTEE SALE HOUR. HOW?? I HAVE ASKED THEM FOR A PAYOFF SINCE THEY STATE I NOW HAVE TO PAY THE LOAN, WHICH IS FINE I CAN NOW PAY IT OFF IN FULL. THEY STOLE MY HOME OF MANY YEARS. A HOME IN OUR FAMILY. I AM ASKING THEY REVERSE THE ILLEGAL SELL THEY PROCEEDED WITH. GIVE ME THE PAYOFF DEMAND AND I WILL PAY YOU.
Product: Credit reporting or other personal consumer reports

I'm disputing the accounts below. I contact the companies associated with these accounts and they said they will remove the accounts from their records. I also called XXXX and agreed to remove the accounts due to it's fraudulent activities and thru the FTC report that I submitted. But the companies and the Equifax credit bureau failed to delete my accounts as what they have said. Please DELETE the accounts below : DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX , DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, in XXXX of XXXX there was fraud done on 3 of my capital one cards. I was a victim of fraud last year in XXXX. purchases was made on all three of my capital one credit cards. i called capital one and they never reached back out about the update on yhe investigation. They just closed all three of my capital one credit crads, so I thought I did not have to deal with them anymore, even though i eas sad i could not use or have my credit cards anymore and i was with them for years. Fast forward I noticed even though they closed my accounts and I could jot lof back into credit card accounts that they was reporting late charges on my credit files with all three credit bureaus. which affected me drastically, i called capital one and they said they could not do anything even though the fraud in fact did happen on account. Now I cant purchase home or do anything because of my credit files. Please help get these capital ones off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  XXXX XXXX has harassed me for about 2 years now. They call from spoofed numbers and leave an " urgent message '' that I need to contact them immediately. These parasites then say things like " have you received your subpoena letter yet of wage garnishment ''? The first small, insecure man talking behind the phone told me they were going to take " everything I had '' and that I was going to " go to jail ''. A month or so ago another very classy lady called saying that they were taking me to court and said " why don't you pay your bills '' and kept repeating it over and over as I was trying to talk like a XXXX year old. Recently I got a call from someone who sounded like her name was XXXX and she acted XXXX XXXX  too. She was smacking her gums chewing on some XXXX or something when she called and before every sentence would make a XXXX noise with her lips like she was on Love and Hip Hop or something. I've advised her that I was going to add my friend who is an attorney to the call and she repeated " attorney ''? And smacked her lips one more time. I told her to hold on as I was trying to put the phone on speaker so I can add the call and she goes off asking if I was the attorney. She then hung up as the call was connecting. This so called company has scraped the bottom of the gutter to find these employees. After the first call from there mosquitoes, I've began to record every call from that point on. I literally have recorded verbal evidence of them harassing me, threatening me with fake subpoenas and legal action, telling me they will contact my mother and sister and anyone associated with me in which they have and also disclosed personal financial information to them about me, and much much more. I've asked to be mailed verification of the so called debt that I owe in which they immaturely respond by talking over me and saying " why don't you just pay your bills ''. They call before XXXX and after XXXX. These tactics are in blatant violation of The Fair Debt Collection Practices Act ( FDCPA ) and I have luckily recorded every single call other than the first. I've also filed a police report with the XXXX, MA police department in which I have a copy of. I'm pretty sure they mentioned a debt from like 7 or 8 years ago which was payed off a long time ago. I'm still waiting on this " subpoena '' that they claim they've sent. They misrepresent themselves as legal representatives and threaten me with subpoenas and wage garnishments. They have disclosed my personal info to members of my family and even people who are not related to me.
Product: Credit reporting or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX, Equifax and XXXX. Dispite sending them the last letter dated XX/XX/, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX, Equifax and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I put two disputes with the three major consumer reporting companies, XXXX XXXX, XXXX, equifax, for accounts XXXX XXXX, and XXXX XXXX MasterCard, both details are listed in photos below. My problem is the reporting agencies never responded to my disputes except for XXXX XXXX deleting XXXX XXXX, but the other agencies didnt respond nor did XXXX XXXX respond to XXXX XXXX. In XXXX I put a demand to respond to my request again no response ... Please delete both XXXX XXXX and XXXX XXXX from Consumer reports, this is my request that the CFPB so action
Product: Credit card or prepaid card

I used my credit card according to congress pursuant to 15 usc 1602 ( L ) I applied for a accepted credit card pursuant to 15 usc 1602 ( M ) I have been making consistent payments with my card for the past 2 years. I recently applied for an extention of my credit because credit is my right according to congress 15 usc 1602 ( f ). i was denied which is a violation of ECOA. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter. That chapter is consumer credit protection chapter 41 under title 15. The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. The Consumer Financial Protection Bureau ( CFPB ) states that credit reporting is optional. 15 usc 1602 ( p ) makes it clear that a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 usc 1691 ( a ) ( 3 ) makes it clear that i can not be denied by exercising my rights how do you continue to let these companies violate consumers rights. I would like my account to be restored and my extension of my credit returned to me.
Product: Mortgage

In relation to Hurricane Irma, the federal government decreed relief for the families who were victims of Hurricane Irma, which said that the months of XXXX, XXXX and XX/XX/XXXX would not be reported to the credit bureau agencies, so they would be protected. However, the Quicken Loans company made these three payments late, circumventing the presidential decree for a state of emergency by Hurricane Irma. In  XX/XX/XXXX we were eligible for the fourbance program by making a minimum payment and the minimum payments were made correctly. However, the company Quicken Loans reported late payments to federal credit bureau agencies.
Product: Money transfer, virtual currency, or money service

Transferee from TD checking account to TD credit card XXXX $ payment. Bank took money from checking account immediately, but says my credit card payment is pending for 24 hours! I lose interest from checking account. I still pay interest on credit card and bank keeps my XXXX $ somewhere for 24 hours
Product: Mortgage

I have had problems with Ocwen for many years ( I filed previous complaints against them in past years through the CFPB ) and once again I am turning to the CFPB to help me.     I recently received a monthly statement that listed that I owed {$1300.00}. I paid this amount promptly. I then received a statement a few days later that stated I owed {$1700.00}, which reflected past due fees/other charges in the amount of {$450.00}. Once again, I quickly made the difference in payment that I paid previously to what was listed on the new statement. A few days later, I received yet another statement that stated I owed {$1600.00} due the next month which includes foreclosure costs and legal service fees. I can see how consumers could be forced into default due to the confusing and inaccurate servicing by Ocwen.     This loan was originated in  XXXX  of  XXXX  and to date, I have never been in foreclosure nor have I ever been late. I called Ocwens customer service and explained this and was told we would not list a foreclosure cost fee if the loan was not at one point in foreclosure.     I did file bankruptcy in  XXXX  of  XXXX  and recently completed my 60 month Chapter  XXXX . However as I mentioned above, I have always paid my mortgage ( even during my bankruptcy as my plan called for mortgage to be paid outside of bankruptcy ) and have never been late. Therefore there should not have been fees assessed due to the bankruptcy as I included the continued payment of my mortgage when my Chapter  XXXX  plan was filed and approved and at no point was my loan ever in default ( which would prompt a foreclosure cost or legal fee ).     I sent my payment to pay the full amount owed as I do not want to be in default or late, however I demand a refund of the {$450.00} foreclosure fee/legal filing services that I was charged.     Please help me obtain a refund of this unwarranted fee.     Thank you,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

XXXX XXXX and Shell Point using predatory lending practices. Foreclosed on my house in Florida twice 9 years apart never took the house out of my name off the house or mortgage messed up my credit score and forced me into bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from my bank that another bank had run my credit today XX/XX/2023. The credit report shows it was TD Bank. I went to the local branch to find out who ran my credit without my approval and where. They say they have no way of identifying who could have done that. They asked me to fill out a Consumer Credit Report Dispute Form but the addresses to mail it to do not apply to what they have done. 
I then printed my credit report from XXXX which shows it was done by TD Bank and gives me a phone number to call. I have called that number and have been transferred to XXXX different people all with the same answer, " I don't know ''. Until I asked if they have a legal department and then they just hung up on me. 
I called back again and was transferred to the fraud department and they also have no way of checking who did this. All they can say is that there is no account in my name or credit card. 
There has to be more accountability on their part as a financial institution.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Over 6 years ago I received a email from XXXX XXXX at XXXX XXXX who had just switched over to XXXX XXXX XXXX. There was an error made by their system or office that sent out a email to me of a final move out statement for a damaged apartment that I never lived in for {$870.00}. I called the apartment complex and proved to them that they had sent this email to me in error because they didn't have a lease agreement from me and I had never lived in this apartment. I was told that it was sent to collections and I would have to contact the debt collector XXXX XXXX. I have tried multiple times to get XXXX XXXX to remove this debt because it does not belong to me, they ignore my request and continue to lie, and say that the debt is verified and meets FCRA requirements. It's obvious that XXXX XXXX does not even attempt to verify debt because if they did they would've quickly realized the original creditor made a mistake. This could have been resolved years ago but they refuse to even attempt to actually verify the debt which is illegal. I don't have to state all of the consumer laws that are being broken because the companies are well aware of them just as I am, and they are purposely being undermined which is illegal and unethical as a business. Being a XXXX XXXX at the time I was unaware of the steps needed to take legal action. I am now fully aware of the laws that these companies and reporting agencies are deliberately breaking and will now do everything in my power to get justice because this inaccurate information has plagued my credit report for over 6 years. I have email proof from the original creditor amongst other proof that this debt does not belong to me this is my final request to have this removed from all XXXX reporting agencies before I take further legal action for fraud.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to see that there are several accounts on my credit profile that have been fraudulently reported. These accounts do not belong to me and I have made multiple attempts to notify your company to remove them. However, despite my efforts, these accounts are still appearing on my credit profile. This is unacceptable and if these accounts are not removed immediately, I will have no choice but to take legal action against your company. The attached document serves as proof of the fraudulent nature of these accounts. I demand that you remove them from my credit profile without any further delay. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I hit a deer on my way to work which cause severe damage to my vehicle which is a XX/XX/XXXX XXXX XXXX. My fianc and I Insurance company XXXX said the damage was severe and the vehicle was a total loss. The vehicle was fianace with GL Fianacial in XXXX Georgia for 26 months I purchased the vehicle on XX/XX/XXXX. I had only 7 months left on the contract. Due to the vehicle been total my balance would decrease due to been paid out 7 months earlier due to the vehicle been a total loss. XXXX issued a check to GL Financal for {$5200.00} on XX/XX/XXXX. Once the payment was sent I contacted GL Financial and spoke with Several managers two names I remember was a XXXX XXXX and XXXX and I spoke to XXXX XXXX supervisor about my account. I ask for documents on my account. I ask for to show if I owe any money after the payment the insurance company payment. XXXX and XXXX refused to give and documents and wanted me to just take there word. I explained to them it doesnt work like that. I needed proof. Unfortunately they still didnt provide me with any information. Back In XX/XX/XXXX of this year I pulled my credit file and I noticed GL was reporting I owe them XXXX. I contacted GL Fianacal Via telephone and spoke with XXXX XXXX XXXX about the incorrect information I was informed that it shouldnt be that amount and could I provide them a company of my credit report. I was instru to fax it or email it to them and they would take a look at it. I did as I was and I fax the credit report to them. I never heard back. I disputed the incorrect information with XXXX. Once I dispute the incorrect information with the credit bureaus I received a alert stated some information was updated on my credit report. The update was from GL Financial they had change the balance and the status of the account. I called GL Financial and never received a call back about error that was now been reported. I check my credit once again in XX/XX/XXXX of this year and noticed they amount was changed to a {$140.00} on one Credit report and {$340.00} on another credit and the account went from pay as agreed to charge off which is incorrect. How can the account be charged off if it was paid off by the insurance company and if there was a balance I was never notified. I never received one noticed from this company everything was word of mouth. By law the company is responsible for reporting accuracy information .GL Fianical is violating [ 15U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. G.L Financial is reporting inaccurate information which is damaging my credit and reputation. Please Help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, NV, XXXX Was added to my credit report through identity fraud. I have made requests directly with the company to remove. I have filed a complaint with the CFPB to have the address removed. Equifax sent a letter saying it was removed but it still appears on my credit report.
Product: Credit reporting or other personal consumer reports

was a victim of ID Theft. There are accounts on my XXXX Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and came across unauthorized information reporting. Please remove immediately. 

XXXX XXXX XXXX XXXX {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX My only phone number is : XXXX Remove all old addresses Remove all other phone numbers