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

I have an auto loan from XX/XX/XXXX that was bought from a different account holder last XX/XX/XXXX. My new account holder, XXXX XXXX, informed me that they would begin reporting this debt, my payment history, and the age of account beginning in XX/XX/XXXX. Once it did not appear in XXXX, I called XXXX XXXX to confirm their reporting. XXXX XXXX confirmed they first reported in XXXX, as they had told me in XXXX. I then called Experian and filed a dispute. The person seemed as though they were " fake taking '' a claim, not finding out all of the information before trying to hang up. I kept having to volunteer more information that the agent should have already been asking. I let them know I have an additional debt ( more debt I am carrying than they are reporting ) and that exceptional payment history should be attached, it would show an open account, and it would show the age of that account which began on XX/XX/XXXX. All of these factors affect credit scores! I have a mortgage that would very likely be at a lower interest rate if my report had been accurate. I attempted to call again today before filing a complaint, but I became extremely frustrated that I could not get transferred to a live person, Experian told me to " call back some other time '' and disconnected the call. My next email will be to file a complaint with the office of XXXX XXXX, XXXX of Texas and to any other agency that pops up in a search. I am so appreciative of your agency assisting regular people like me to help fight the big dog. Experian is incorrectly reporting my credit summary and it urgently needs to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a contract with XXXX ( XXXX ) around XX/XX/XXXX. I didn't believe the service was effective so I called the following month to cancel it. I was informed that only the manager of the local branch could cancel it. I tried to get in contact with the manager at the closest branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) but kept being told that he was unavailable. I left several messages and attempted to contact them several times before finally reaching him in XXXX. He came out to my house for me to explain why I was dissatisfied with the service and verbally agreed to cancel it along with anything that may be outstanding. When he got back to his office, he sent me an email on XX/XX/XXXX stating : " Just to confirm, I have cancelled both the pest control and exclusion agreements as we discussed. Also the remaining balance of the monthly payment plan is in the process of being cancelled. Please disregard any statements you have received and save this email for your records. '' That was 3 years ago and on my XXXX credit reports with XXXX, Equifax XXXX XXXX it shows 1 or 2 late payments between XX/XX/XXXX & XX/XX/XXXX. I filed a dispute with all XXXX of the credit bureaus and sent a copy of the email from the local branch manager, and still it remains on all of my reports. I asked the bureau why, they said that the furnisher of the financing ( XXXX ) said that the information on my report was accurate. Clearly it's not.
Product: Credit card

army and air force military STAR card, a US government credit card, refuses to accurately and timely report my proper on time payments to the credit bureaus, especially XXXX. this is a violation of the law and FCRA. I have made massive payments on my military STAR card through army and air force exchange service and you are screwing my credit report and score because of your neglect and incompetence, and keeping my score so artificially low I cant obtain an apartment or a credit card or a mortgage. STOP THIS IMMEDIATELY ( NOT THIRTY DAYS FROM NOW ) and immediately report my proper amounts payments and balances to all three credit bureaus especially XXXX. AAFES STAR CARD hasn't reported my on time payments and lower balance to XXXX credit bureau since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report. *THIS IS A DIFFERENT CASE, SEE ATTACHMENTS. DO NOT MARK AS A DUPLICATE. * I tried to get it investigated via mail on XX/XX/2023, however, TransUnion only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. TransUnion did not open disputes as requested. I will be attaching the dispute letter that I sent on XX/XX/2023 originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email that I had two hard inquiries on all three creditu bureaus in one day. I called Transunion and they said they could not take them off. I have since put a freeze on my credit with all 3 credit reporting agencies. I've also sent in a dispute that these inquiries are fraudulent, as I did not make them. I want them removed from my credit report, but the agencies are saying they can not do that. 

XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act JPMCB Chase credit card account number XXXX has violated my rights. 
15 .USC1681 section 602 states i have the right to privacy 15 USC1681 section 604 a section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B :1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Mortgage

Nationstar Mortgage is the Servicing company for my XXXX VA Mortgage. The Mortgage was included in a XXXX XXXX  decree and was currently in default ; foreclosure was imminent. I had identified a buyer that would pay 100 % of the outstanding default mortgage. Nationstar required an excessive amount of time to prepare a payoff quote and when they finally did prepare one they did not provide the timelines requested. The title company was able to coordinate a closing for Friday XXXX XX/XX/2019 ; 1 day after the poorly timed Payoff Quote was good through from Nationstar. As part of the closing process, the title company included an additional 6 days of accrued interest to the required payoff amount quoted by Nationstar in the wire which was sent on XXXX XX/XX/2019. 

Nationstar refused to accept the payoff amount. Due to their abusive and predatory practices, they delayed review and acceptance of the wire which contained a full payoff amount and now require an additional payment of more than {$1000.00}. This unconscionable display of delay in processing amounts to an observed posture of predatory fee collection on service members and veterans attempting to rectify a prior history of financial difficulty. In addition, the new owners attempting to invest in their community and the property they recently purchased are now exposed to unnecessary risk. 
As of today, Nationstar continues to maintain their position as correct and we are required to start from the very beginning of the process again, more than a month after initially reaching out to them ; about a month after closing had occurred. Appropriate payment sent by our title agency was never accepted by Nationstar and they sent the funding back ; they appear to either be grossly negligent or purposefully predatory to mortgage holders attempting to appropriately manage their financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$8600.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$230.00} XXXX XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Take a look at the documents I've provided, and begin an inquiry into the accounts in question, where I have always been on time with payments, but they are inaccurately recording me as having late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the flowing companies have violated my rights. 

XXXX XXXX XXXX, Account number ending in XXXX XXXX XXXX, Account number ending in XXXX XXXX XXXX, Account number ending in XXXX XXXX Card Services, Account number ending in XXXX XXXX / XXXX, Account number ending in XXXX 15 U.S.C 1681 Section 602 A, states I have the rights to privacy. 

15 U.S.C. 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

-I 've had the honor and pleasure of having more than three auto loans with Toyota Motor Credit in the last 9 years. Throughout our business relationship, I have honored my account agreement to the fullest. 
-This particular account has been set up on auto pay from the start of the loan. There is a 30 day late remark reporting for XX/XX/XXXX that is inaccurate. 
-On XX/XX/XXXX, I spoke to XXXX from Toyota Financial and she told me there was a credit adjustment made on this account on XX/XX/XXXX. So she said I was short {$2.00} from XX/XX/XXXX through XX/XX/XXXX. She said NOT ONCE did your company charge me ANY late fees on this account for being {$2.00} short. I was also NEVER notified that I did not make the full payment every month for almost TWO YEARS. She then proceeded to tell me that on XX/XX/XXXX a letter was mailed out stating that that I was about {$40.00} past due. I paid {$43.00} on this account to bring the account current. 
-I also have this account on auto pay, so the amount of {$390.00} was being taken out every month on time. I checked my bank account every month and it was always taken out. But since I was never notified of a tax adjustment, your company was not taking out the correct amount. 
-Your company did not properly handle this account by advising me of the tax adjustment. Every statement I received NEVER told me I was past due on this account, EVER. You can see that from your statements. Your company also did not alert me that I was past due until XX/XX/XXXX ( which is TWO YEARS LATER ) when I was well over the 30 days! 
-Your company sent me a detailed denial letter that I have attached. The information in that letter is wrong and let me explain why. 
-So again, from XX/XX/XXXX through XX/XX/XXXX, your company stated I was {$2.00} late every month. You stated that you sent out correspondence about this tax adjustment that I did not receive as I told your company to send correspondence to my mailing address XXXX XXXX  XXXX, XXXX, Ca XXXX. You continuously send documents to my business address. The statements that I could view online NEVER stated I was short or late on any payment until it was {$43.00} past due. The way your system generates this information is a bank error right there. I can see all my automatic payments being made, so since I was not informed that I was short every month for two years, then one would assume I am making ALL my payments in full and on time. 
-You stated that you contacted me repeatedly at XXXX. That is not my business phone number as it is XXXX. You also stated you spoke to XXXX XXXX on XX/XX/XXXX when it was well over 30 days pat due. You also gave someone information that is not authorized to speak on this account. So you have violated my consumer rights. 
-Your company has absolutely NO record of talking to me about this tax adjustment at all.
Product: Credit card or prepaid card

Hello, I used to have a credit card with Capital One. Few years ago for non payment they took me to court and I didn't appear because I was sick and they won the judgment against me. They garnish the money from my bank account from the XXXX. This was in XX/XX/2020. Since then they have been reporting in my account that I still have {$360.00} past due which it's incorrect. As you can see my bank account attached I have paid more than {$1300.00}. Please update the system and delete this from my account. This has been reporting wrong information for the past two years. Capital One has also reported that they written off part of my balance which is not true because I already paid it. There are different charges that were withdrawn from my checking and savings account and I have highlighted them.
Product: Credit reporting or other personal consumer reports

On ny most recent credit report, I spotted inquiries that I did not submit, including one possible inquiry from another country ( the XXXX ) as well as XXXX, a company seemingly affiliated with XXXX XXXX. I did not authorize these inquiries and have many issues with identity theft as well as illegal theft from my residence, mail theft, document theft that I have reported within a timely manner. Upon calling Equifax on XX/XX/XXXX  at approximately XXXX XXXX  EST time from my listed phone number, the male employee refused to acknowledge the incorrect information on the report as well as trie to claim that the inquiried were from Equufax itself, when the inquiries from Equifax are clearly labeled. Rude and incompetent customer service which can be detrimental to identity theft investigations due to their failures to properly investigate identity theft and incorrect information in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its showing this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as open but it was part of Bankruptcy and should be closed and removed off my account. The see Court Petition attached below
Product: Mortgage

On XX/XX/2023 Wells Fargo, NA filed a foreclosure complaint against fictitious persons XXXX XXXX, HUSBAND OF XXXX and XXXX XXXX XXXX XXXX XXXX, HIS WIFE ( see attached, Case Details : XXXX | General Equity Docket # XXXX ). I have informed Wells Fargo, NA that i am a living woman, i am a member of the General Public, and i am standing under the Public Law. Mr. Attorney called i a " XXXX Citizen '' ( Mr. Attorney is implementing a propaganda campaign against the peaceful non-combatant people of the states of the XXXX and mischaracterizing them as XXXX Citizens ). Wells Fargo, NA claims that they have all documents to prove standing for the complaint. I requested the original note and mortgage with the indorsements. Wells Fargo, NA has never provided the original documents with indorsements on them. Attorney - XXXX XXXX XXXX XXXX ( substitution of counsel ), court clerk, court administrator, and the judge XXXX continue to conspire against i despite all the evidence of the mortgage fraud i provided ( including Affidavit of XXXX XXXX XXXX - licensed private investigator on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX License # XXXX ), continue to fabricate fictitious documents ( like a copy of the XXXX to the note that had no records of existence before XX/XX/2023 ), robosign documents. XXXX XXXX denied my motion to Compel Discovery and granted Motion for the Summary Judgment to Mr. Attorney even though Mr. Attorney had not answered interrogatories, had not provided requested productions of documents. Mr. Attorney admitted that XXXX XXXX Trust was not named as payee on the XXXX XXXX and mortgage and does not now have rights to the XXXX XXXX . For the XXXX XXXX XXXX to gain rights to the XXXX XXXX , the XXXX XXXX XXXX would have to be named payee ( XXXX XXXX XXXXXXXX ). Why does the judge still moving with the foreclosure and calling living people fictitious entities? 
Public Record of our Political Status, land grand, and cancellation of all powers of attorney can be found in Book XXXX XXXX XXXX XXXXXXXX XXXX ( Pg XXXX - XXXX ) and on the XXXX XXXX XXXX website : 1. Go to XXXX XXXX XXXX  then click ENTER 2. In the box labeled To locate/verify member record, enter : enter the recording number # XXXX and # XXXX 3. Follow the link Go to All Published Documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Account Name : XXXX Account Number : XXXX for violating the Fair Credit Reporting Act ( FCRA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : Account Name : XXXX Account Number : XXXX Nature of Complaint : Multiple inaccuracies, detailed method of investigation. Who did you verify this account with? Who did you speak with? what time and date did you verify this account? this account has multiple inaccuracies delete immediately. 

Inaccurate Reporting : Account Name : XXXX Account Number : XXXX has reported inaccurate information on my credit report, including an incorrect balance and misleading payment terms for a collection account. This false information has significantly harmed my credit score. 

Lack of Notification : Account Name : XXXX Account Number : XXXX did not notify me in writing about the alleged debt before placing it on my credit report, depriving me of the opportunity to dispute the debt or verify its validity. 

No Contract or Business Relationship : I have never engaged in any business with Account Name : XXXX Account Number : XXXX and have no contractual agreement with them. Their reporting of this debt is unauthorized and unfounded. 

Unauthorized Entry on Credit Report : Account Name : XXXX Account Number : XXXX added this account to my credit report without my consent, violating my right to privacy and the provisions of the FCRA that require accurate and fair reporting of credit information. 

Impact : The actions of Account Name : XXXX Account XXXX : XXXX have significantly damaged my credit score, leading to potential denials of credit, increased interest rates, and other financial hardships. Their failure to comply with the FCRA has also caused emotional distress and financial instability.

Requested Resolution : Immediate Deletion of Account : I request the immediate removal of the inaccurate and unauthorized account information from all my credit reports. 

Monetary Relief : I seek monetary compensation for the damages caused by the negative impact on my XXXX XXXX, emotional distress, and any financial losses incurred due to the actions of Account Name : XXXX Account XXXX : XXXX. 

Verification and Compliance : I request that Account Name : XXXX Account Number : XXXX provide verification of their compliance with the FCRA and any evidence XXXX their claim. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take appropriate action to address these violations and ensure that Account Name : XXXX Account Number : XXXX adheres to the Fair Credit Reporting Act. 

I need this account re-investigated immediately and a new report with the deletions of this account
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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