23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This has been years ago, but overdraft fees n closed my account without my permission and consent. Horrible customer service. I will never bank with Wells Fargo again.
Product: Credit reporting

I have a Fraudelent ID Theft problem because of a breach of XXXX XXXX XXXX XXXX 's data base. This is the second time I have had a problem calling Experian to initiate a renewal of my free 90 day ID Theft Credit Fraud alert via the phone number shown on the FTC website : XXXX XXXX XXXX. They do not have a distinct option ( or number ) for dialing into and resolving this problem. I submitted a similar complaint to the CFPB on XXXX/XXXX/2015 Case number XXXX, which was resolved in my favor. This problem constantly recurs, and there is a distinct attempt to direct the consumer to a credit freeze, because that is the closest option available for a ID Theft Alert, and it is a service the consumer must pay for. Please help me resolve this problem, not only for myself, but for other consumers as well. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 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 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 16

37 ( 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

I have disputed this before and still it shows on my credit reports. This is not mine, I have never had a loan with XXXX XXXX and they are showing two. This needs to come off. The credit report has a number of ( XXXX ) XXXX and an address of XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX
Product: Money transfer, virtual currency, or money service

i opened a zelle account used it for a month or XXXX i went to open it one day and it said my account had been closed. unsure of the reason why i tried reaching out to them and got little to no response.
Product: Consumer Loan

My loan was placed with an attorney for collections and the attorney sends all correspondence to my place of employment. I was told today from my employer that this has to stop.
Product: Money transfer, virtual currency, or money service

My check was with held and unauthorized transaction not refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I am disputing an alleged debt of {$2900.00} that XXXX XXXX XXXX XXXX XXXX claims I owe. The account was reportedly opened on XX/XX/year>. I sent a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, requesting proof of the original creditor, a signed contract, and an itemized statement of the charges. Additionally, I invoked my rights under 15 U.S.C. 1692c ( c ) to request that all further communication cease. 

Despite my request, XXXX XXXX XXXX XXXX XXXX has failed to provide proper validation of the debt and continues collection efforts, including reporting the account to credit bureaus. This constitutes a violation of the FDCPA. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX XXXX XXXX XXXX provides the required validation or removes the unverifiable debt from my credit report. Additionally, I would like them to cease all collection activities until proper validation is provided. Resolution Req
uested : 1. Require XXXX XXXX XXXX XXXX XXXX to validate the debt with proper documentation. 
2. If they can not validate the debt, they must cease collection efforts and remove any negative credit reporting. 
XXXX. Ensure compliance with FDCPA guidelines to prevent further unlawful collection practices.
Product: Mortgage

Do to COVID my wife lost her income and we was SUPPOSEDLY put on a Forbearance plan that would STOP late fees, however they have not stopped the late fees! We are making $ XXXX {$800.00} a month payments ( what we can afford ) we pay something EVERY month. They said we can not make any payments at all or we can not be in any plan, they want us to send a balloon payment .... We have asked for a modification of the loan since it is FHA and they just keep dragging their feet, it has been since XXXX or XXXX since we was put in the so-called no late fee plan ... We have called and emailed well over 9 times and just get a runaround. I am XXXX and we have a child that was born with a XXXX. We have lived here in this house since 1998 and it seems they just want our house! Theres a missing payment which they say is from last year one time then again from this year ... ... they can not keep their answer straight! We want to be on a loan modification program and asked about that from the start and was told we would be placed on current no late fees program until modification, which neither is in place
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 : 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 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

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. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

I am writing this due to non-complaince with the CRA ( XXXX, XXXX, XXXX ). 
They have failed to remove information that was affiliated with personal details that w ere chalenged in a past. 
I strongly beleve that they are in violotion of the FCRA and are outright refusing to uphold the law Futher more they continue to report late payments on closed and charge off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX Dear Sirs, I have a complaint to file in regards to my XXXX XXXX Line of Credit. I am XXXX XXXX XXXX and until recently had perfect credit, XXXX rating. 

I have contacted the credit agencies as well as XXXX directly with no resolve. 

My XXXX XXXX account is for a security system. A very low monthly payment that was setup with auto pay and my XXXX XXXX credit card. 

In XXXX of 2023 XXXX XXXX without my knowledge canceled the card due to apparent fraud. 
When I found out about this I contacted XXXX immediately, paid up the account and gave new credit card. I asked if I could put an additional card for a backup to make sure this never happened again and they said no. 

I was never contact by XXXX when the card was declined. No phone call, email or text. Instead they just report a late payment and dropped my score XXXX point or more. Several other vendors that I had auto pay with had the courtesy to make sure they notified me. We are are talking about a {$75.00} a month auto pay that XXXX XXXX was in charge of. It is not like I was bouncing checks. 

XXXX said they would contact the credit reporting agencies and explain the situation. It does not look like anything had been done. 

I am extremely frustrated as I have worked my entire life to keep great credit and this without my knowledge is causing a major problem. 

Please let me know when and how we can rectify this. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXXXXXX XXXX XXXX  date opened XX/XX/XXXX {$310.00} XXXX XXXX XXXX  date opened XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$2300.00} XXXX Date Opened XX/XX/XXXX {$590.00} XXXX Date Opened XX/XX/XXXX {$13000.00} XXXX XXXX  XXXX {$41000.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$990.00} XX/XX/XXXX Collections : XXXX  {$1100.00} XXXX XXXX XXXX 
Please delete these accounts from my reports.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding, LLC Care of Resurgent Capital Services L.P XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Collection Account Request for Validation Dear LVNV Funding, LLC Care of Resurgent Capital Services L.P : I hope this letter finds you well. I am writing to formally dispute the validity of the collection account referenced below as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and specifically under 15 U.S.C. 1692g ( often referred to as " validation of debts '' ). My full name is XXXX XXXX XXXX, and my account number is XXXX According to my recent credit report, there is an entry for a collection account with the following details : - Creditor Name : XXXX  - Account Number : XXXX - Amount Due : {$1200.00} I am requesting that you provide validation of this debt, including the following information : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A detailed account statement that outlines the amount claimed, including any charges, interest, or fees.

4. Validation documentation that verifies the debt has not violated any statutes of limitations.

5. Any documentation that substantiates your authority to collect this debt on behalf of the original creditor.

Please note that until I receive this requested validation, I do not intend to make any payments or acknowledge this debt in any manner. Additionally, under 1692g ( b ) of the FDCPA, I request that all collection activities cease until the requested validation is provided.

I appreciate your prompt attention to this matter and request a response within 30 days from the date of this letter.

Thank you for your cooperation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX has not removed an unauthorized hard inquiry or illicit inquiry even though it said it would to all credit bureaus and the FTC/CFPB. 

Please notify XXXX XXXX XXXXXXXX XXXX to do the right thing and remove the unauthorized hard inquiry from Equifax. Equifax also confirmed that XXXX XXXX XXXXXXXX XXXX is illicit.
Product: Mortgage

In  XXXX    XXXX  , my husband and I began the process of looking for a home loan.  Stearns Lending  was recommended to us by a realtor who worked with Stearns. We applied to see what we qualified for and the lender,  XXXX   XXXX  informed us that we could qualify for $  XXXX . We were excited and began shopping. On  XXXX   XXXX , we found a house in  XXXX , MN. We made an offer the following day and our offer was accepted the next day. We asked the lender if they would be able to accommodate the closing date of  XXXX   XXXX  and we got a resounding yes!   So, the process began, we had to provide them with statements, bank accounts, letters, etc Each requirement we have provided and yet there always seems to have a blockage with  Stearns. There was a period of about 3 weeks where we could not get a hold of the lender ; they never respo nded to any of our emails nor returned or calls. The closing did not happen  XXXX   XXXX . It was extende d 3 more times with excuses ranging from a family emergency to the appraisers not showing up at the property. The worst part is my family and I must pay another month of rent because the closing never happened. Our credit was pulled 2 more times after the initial application due to the postponed   closings.   Then after 2 months of excuses, we finally decided to go with another lender. And they got get our house closed in 9 days!    Stearns  dropped the ball numerous times and their apology was not substantial. They discounted some fees for us because of the circumstances but that would not be enough for the he aggravation, worry and time they have wasted.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I notice I had a fraudulent accounts on my report. please remove these accounts from my report, They are hurting my ability to obtain credit.
Product: Mortgage

Made a principal payment on my loan ( {$500.00} ) to be effective XX/XX/2019. Freedom Mortgage put the funds into an " unapplied '' account and did nothing with the funds until XX/XX/2019 XXXX the date my regular mortgage payment for XXXX went through ). 

Sent Freedom Mortgage a fax about this ( as they don't take questions about things like this over the phone ) on XX/XX/2019. Asked Freedom Mortgage to adjust the principal payment date to XX/XX/2019. Got a response, dated XX/XX/2019, which agreed with my assessment that the principal had not been applied correctly, and then stated that I should have written a more specific note on what to do with the funds on my check. This is very strange as I called in the mortgage payment and made it over the phone with a Freedom Mortgage employee. 

So, Freedom Mortgage implied that they were confused about the payment date for a spurious reason and then did not offer any resolution. Freedom Mortgage simply took several weeks to send me a letter informing me that they agreed with my assessment of what happened -- and then made no offer to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter from XXXX XXXX about an account I had previously dealt with from XXXX XXXX. XXXX who was the original debt holder had removed it from my credit report around XXXX of 2022. Now XXXX XXXX  is attempting to collect and has put it on my credit report which is a direct violation of the fair credit reporting act. In addition they could not validate this debt as it had nothing whatsoever to do with them since it was removed months ago from my report. XXXX XXXX reference number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Opened XX/XX/2007 Balance XXXX Myself and another company made attempts to remove this negative remark from my credit report due to Statute of Limitations and they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my XXXX XXXX XXXX got totalled by a XXXX Truck. My attorneys won the case XXXX was liable. {$11000.00} or more was paid towards the car. When signed for the original contract auto loan I paid for Gap Insurance which was added to the loan. My car insurance totalled my car out XX/XX/XXXX. The remainder of the loan is supposed to be paid by Gap Insurance through XXXX. All correspondence went to XXXX XXXX XXXX XXXX Gap Specialist XXXX XXXX XXXX, XXXX XXXX mostly through email with subject line Regarding XXXX  XXXX # XXXX and sent documents to this email. After I sent documents. No more correspondence from the Gap Specialist. So I assumed they got their money because if they didn't then I should have been contacted by the Gap Specialist who has my email XXXX, phone number XXXX.
Product: Student loan

I work at a XXXX XXXX and have been planning my life, essentially, around being able to discharge my loans after 10 years of consecutive repayments to NAVIENT. I have only Federal Direct Loans. 
My loan payment is enormous -- {$530.00} a month for a single mother of XXXX. However they only calculate the loan based on income. When I went to apply for public service loan forgiveness, I was told -- for the first time -- that I did not qualify because I wasn't doing " income-based repayment, '' a form of repayment that would nearly double my monthly payments. I can barely make my monthly payments as it is. No one said ANYTHING about having to be on income-based repayment when I was told I could get loan forgiveness for working at a XXXX XXXX 11 years ago. I believe I have been a victim of fraud.
Product: Debt collection

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

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

these accounts are not mine they are authorized users and i don't know who put them and they are harming my report i tried to contact XXXX but i don't know the whole number to access them to know who owns them i want them removed XXXX XXXX XXXX XXXX
Product: Money transfers

On XXXX XXXX, 2016, I received a call from the Fraud Department for XXXX Bank XXXX notifying me of a fraudulent attempt to open a bank account in my name with my stolen personal information. After speaking with them, I immediately called XXXX Credit Reporting and froze my credit report accounts. 
On XXXX XXXX, 2016, I received written notification from XXXX, an on-line bill pay service provider in XXXX, OH, for XXXX Bank, that an on-line bill pay service account in my name had been frozen due to the fact that XXXX could not withdraw funds from " my '' XXXX Bank account in order to make payment to another financial institution. They said my on-line account had been frozen and gave me transaction details involving Firstmerit Bank in XXXX, OH. I have never done business with XXXX Bank, XXXX or Firstmerit Bank. I called XXXX and notified them of the fraudulent activity and they, in turn, told me to call Firstmerit Bank, which I did on XXXX XXXX, 2016. When I attempted to call Firstmerit Bank, they proved to be extremely uncooperative and explained that since my name was not associated with the account number provided, they could not discuss anything with me. I told the Customer Service Representative that I did not want account information but only to notify their Fraud Department of fraudulent activity associated with this account. I asked to speak to someone in their Fraud Department and the Customer Service Representative said they did not have a fraud department, which is incorrect. I asked to speak to a supervisor and when I asked that, she forwarded me to their fraud department, where I was only able to leave a voice message. They have not returned my call. 
I have filed a criminal report with the XXXX XXXX XXXX Department and the situation is currently being investigated. I wish to file a complaint against Firstmerit Bank for refusing to help resolve this situation.
Product: Credit reporting or other personal consumer reports

My information was a part of the Experian data breach and has caused my credit rating report inaccurately.