23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hereby inform you that this company is reporting false information on my credit report, I do not know what company this is or what this alleged debt is about, they call the original creditor of the alleged debt a collection company, hiding their name or address. of the original creditor, making a false representation. I do not know this company and I do not have any contract with them that requires me to pay them any money. They make false representations and are affecting my credit reputation. 15 USC 1681b. I need them to send me a contract with my signature binding me to any debts or alleged debts with them.

I also want to know who that company called Collection is that are the supposed original Creditors in this supposed credit transaction because I don't know them. 

XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor. Generally speaking, the original creditor is the company that gave you the loan or credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was investigated my credit report I have notice a company named XXXX kept popping up. I dispute it on XXXX and equifax and XXXX. It has been removed on XXXX and XXXX unfortunately Equifax has been adamant not removing it with no proof. I was not attending no school of such name. I have proof I have been graduated from another school I want this removed off my report completely
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed these accounts that are not mine and are inaccurate. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have attached the following : Driver 's License Current Utility Bill Social Security Card Theft Report
Product: Mortgage

Amendment to XXXX : Just rec 'd escrow stmt dated XXXX stating my acct has a shortage of {$5.00}. This after CHASE refused to deposit my my full {$300.00} check to escrow to cover past and projected shortages, then applied {$200.00} to principle without authorization. CHASE demands my payment be increased as CHASE refuses to accept escrow funds for projected shortages. People need to keep their payments low in the event of hard times such as NOW! CHASE insists they are just following the rules but refuses to give me a copy of the rule or explain why the rule must be enforced if it is satisfied. Surely the satisfaction of the XX/XX/12 rule by a sufficient escrow balance should void its implementation. CHASE is insensitive, unreasonable, unfair, and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid-19 and I lost my job, I had my auto payments deferred with Capital One Auto Finance from XXXX to XX/XX/ 2020, and it was approved, and granted. I received a email of confirmation, and a letter of documentation in the mail to show that it was confirmation approval. But on my credit report for the months of XXXX, and XXXX of year 2020. It was reported as 30 days late twice. A 30 days late for the month of XX/XX/ 2020, and another 30 days late for the month of XX/XX/2020. Which has drop my credit score tremendously. I thought when a payment be deferred, and put on the end of a account term. It do not report to the credit bureaus as late so it do not hurt your score. All I ask as a high echelon in the name of XXXX XXXX XXXX XXXX, that this be fix immediately so I may be able to find another job, to support my family in this pandemic. Please, have mercy help me. Because right now I am in distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act : XXXX account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Have 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, states a consumer reporting agency can not furnish an account with my written instruction.
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 - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX : # XXXX - Has violated my rights UNAUTHORIZED INQUIRIES : FACTUAL DATA XX/XX/XXXX Has violated my rights XXXXXXXX XXXXXX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXX  XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX Has violated my rights And other list of INQUIRIES. 


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 seven 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 reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 reported in 60 days to be removed.

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 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 XXXXXXXX XXXX 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!

Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

See the attached affidavit and credit report and remove the account XXXX XXXX from my credit report due to inaccurate reporting. There are records of CFPB complaints showing that I have tried to get this corrected for over a year and quite frankly I am tired of writing XXXX and Transunion when XXXX has since removed this account due to the inaccurate late payment reporting XX/XX/2017. I have been keeping record of the correspondence sent to you and I will be moving forward with legal action after sending this affidavit if this account is not updated or removed from my credit report. Please take this complaint as a notice of my intent to sue your agency if this account is not removed within 21 days.
Product: Debt collection

I received in the mail a letter where I've been told to show up for a court hearing about a debt that I knew I had, and have already set up payments with another company called : XXXX. This court docket does not tell me anything except the company they are representing and how much money I supposedly owe, which I can't even verify this amount as correct. Then I tried to call them and they wanted my credit card number and when i said XXXX dollars over the phone on my credit card was too much and they said okay, how about XXXX dollars and then XXXX dollars a month. I still don't know officially who I am talking to. He hung up on me. Then I tried to call Crown management and she gave me the same number to call that I had just talked to. Supposedly XXXXXXXX XXXX  XXXX, XXXX I looked up the XXXX name online, she apparently does exist. But this is very creepy and I don't know if it is legate and why is this all I received was a letter taking me to court.
Product: Credit reporting or other personal consumer reports

**Subject : ** Formal Dispute Under FCRA & FDCPA Request for Validation and Removal of Inaccurate Information I am disputing the inaccurate reporting of [ Account Edfinancial on my credit report. Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i**, I am exercising my right to dispute inaccurate, incomplete, or unverifiable information. 
The following issues require immediate attention : 1. **Incorrect Reporting : ** This account was **paid off and closed**, yet it has been re-reported with a **late payment**. 
2. **Verification Request : ** Under **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, I am requesting documentation showing how this account was verified as accurate.

3. **Investigation Records : ** According to **15 U.S.C. 1681i ( a ) ( 2 ) ( 4 ) **, please provide documentation used to verify the late payment, including communication with the original creditor.

4. **Proof of Investigation : ** Under **15 U.S.C. 1681s-2**, the furnisher of this information must conduct an investigation. If the reported information can not be **verified with documented proof**, it must be removed immediately.

Furthermore, if this debt was sold or transferred, I request full chain-of-title documentation under **15 U.S.C. 1692g** ( FDCPA ), proving ownership and legal authority to report this account.

Failure to correct this inaccurate information within the time frame required by law ( 30 days under **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ** ) will result in additional complaint filed with the **Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 1681n and 1681o. ** I expect a response with proper documentation within 30 days, as required by federal law. If you can not validate this information, I demand immediate removal of the inaccurate data from my credit report. 
XXXX XXXX Social Security XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Equifax, XXXX, and XXXX Thank you for sending me your internal records of the debt ( XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards me and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY LEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXXin 2022 took XXXX points off my credit score for a late Mortgage payment that happened when my mortgage company sold my mortgage to a new company. I disputed that to no avail and accepted the penalty. BUT NOW, EACH yr since the credit bureaus have taken another XXXX points from my credit score in tandem equaling XXXX points, for the SAME LATE PAYMENT. That '' 's WRONG.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to make sure the bankruptcy information is completed deleted off all my credit reporting agency accounts. They have been discharged and I need them to be deleted, as well as all other paid off accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020. I got an alert from XXXX. XXXX that I was over 30 days. I called, they ask that I forward an email to them explaining.. by, their records- I had never been late. I forward a letter to them w/credit report, in a dispute - the 30 days on the XXXX went away,. 

Now it has came back.. 

I put a dispute in again with XXXX ( which is a Joke ) couple of weeks ago and I received a letter from the mortgage company ( Shellpoint ) Stating I had never been late, EVER. Again, I got ahold of mortgage company and they said to file another dispute with XXXX, because I do not show late. Cause, they are the ones that causing this. Which I have again 3 times.. no one is taking the responsibility for this as I am in the middle and it is effecting my XXXX score.. This is way the Dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and  need to get these accounts removed as soon as possible. 
I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.
Product: Checking or savings account

On XXXX XXXX 2019 I was charged a {$25.00} HSA closure fee when terminating my Bank of America Health Savings Account and transferring the balance to a new HSA with another provider. This fee was not mentioned at all on the only website I could find with information about the account. https : //healthaccounts.bankofamerica.com/hsa-faqs.shtml I was also charged several service fees that were higher than specified on that website. On XX/XX/XXXX I was charged {$3.00}. On XX/XX/XXXX I was charged {$4.00}. The fee is normally {$2.00} as specified in the link above. 

The amount of the closure fee was not specified in the Custodial Agreement that was mailed to me when setting up the account. That custodial agreement is not available on the account website, myhealth.bankofamerica.com, not even when logged in. 

Bank of America does not have a support email address or web form to get help online, only a chat system with limited hours. This is inconvenient for all and inaccessible for some.
Product: Other financial service

I asked Wells Fargo if they would accept a Deed in Lieu before foreclosure for my home mortgage. They accepted the Deed in Lieu and said I had to vacate the property XXXX XXXX XXXX, XXXX. I requested an extension so I could get everything moved out of the house. They gave me an extension. We vacated the property on XXXX XXXX, XXXX. Wells Fargo said they would pay our moving expenses, but to date they keep postponing the moving expenses payout. I keep contacting them but the last time XXXX XXXX said I would have the check no later than XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and no check has been received. I have constantly been the XXXX to contact them. First to understand exactly what a Deed in Lieu entailed, then to ask them to secure the house as it is in the XXXX and the weather can damage the house. The last time I contacted them I told XXXX XXXX I just had the oil tank filled and shut off the water pump and drained the lines. I asked him to please secure the property properly and have the house winterized as the house was in PERFECT condition and I wanted it to remain that way. I had lived and cared for that house for 25 years and only relinquished possession of it due to my inability to keep up with the mortgage and escrow payments, now that I am getting on in years and my income has finished. Please assist me with receiving my relocation check as promised. My address will be provided upon request as I am not to include personal information in this correspondence. My mortgage is less then {$600000.00} and the XXXX estimate of the houses worth is $ XXXX.
Product: Credit card or prepaid card

I closed my checking account with Bank of America on XX/XX/2019, however, I still have a credit card with them open. 

After closing the checking account, it has become impossible to make further payments on my credit card through the desktop online interface. 

I attempted to call them, only to deal with a profoundly incompetent IVR system that would not actually connect me to a human.
Product: Credit reporting 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. 

Dept of EDXXXX : Account # XXXX Dept of ED/AIDV : Account # XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX Possible Financial : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX Source Receivables Managment : Account # 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 an 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 seven 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 reporting, credit repair services, or other personal consumer reports

I have sent XXXX numerous requests to remove this fraudulent account from my credit report. US Bank is the one who was reporting this fraud account and as of XX/XX/2022, US Bank mailed me a letter stating that they are holding me responsible for the account but they have previously removed this from my credit reports. I sent copies to XXXX  by fax and by mail and they continue to report this account even though US Bank claims they have stopped reporting. XXXX continues to claim US Bank had verified this account belonging to me recently, but is not true since US Bank says they have previously stopped reporting. Please see attached documents as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not only faxed you but will fax again tomorrow this letter that is attached with thorough information regarding all reports .... this needs to be taken care of immediatley as i am XXXX XXXX and XXXX and need to move asap and this is preventing me from moving closer to my treatment center!
Product: Bank account or service

several slandering, tricks, and false information, i am very satisfied with bank just some of the employees are moving side ways doing improper actions or statements like in the claims department, or the merchant services reps not showing for appointments, asking some bankers for business bankers and saying none are available and then one accepts me right away. from the bank enough is enough. and before they stated there were no fraud alerts or security and now there is. i love bank of america but some of these need to adjust. adding fees to credit cards that are not due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has this listed as a Chapter XXXX bankruptcy- IT WAS NOT. Prior complaints stated that Experian verified this with the court system. I want to see this verification or I will pursue legal action. I am attaching a case summary FROM the COURTS system that proves this is NOT a chapter XXXX bankruptcy as you are reporting this. 

This is my final attempt before I pursue further lawsuit action.