23daVinci/CFPB_Complaints huggingface dataset:
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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I was looking at my credit report on XX/XX/year>, and I found that some addresses and other personal information to be incorrect. According to The Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S.C. 1681e ( b ). 

Experian continues to report my name, my address, phone number incorrect on my credit report. I also have attached my letter that Ive sent Experian in XXXX of XXXX.
Product: Payday loan, title loan, or personal loan

I took out a borrow and save account with Seedfi last year where they loan me {$1000.00} and put {$2000.00} in savings for me for a total loan amount of {$3000.00}. And after making all of my payments on time for six months via automatic bank drafts, a company called XXXX suddenly drafted the next payment from my account WITHOUT MY AUTHORIZATION! They also claimed that I still owed {$2500.00} after I already paid {$1100.00} to SEEDfi. I disagree with this amount and the rate of interest which is much greater than advertised. I told them that they can take out the {$2000.00} they supposedly put into savings for me, but 'Oh No that's impossible ' they say. They can not change the contract they say, when in fact they already did. I DID NOT sign any contract with SST or one that mentions SST anywhere in the contract. After reading all of the other complaints about SEEDfi, I am certain that they are a scam company and I will not deal with them anymore. Meanwhile SEEDfi is destroying my credit now. It has dropped XXXX points in one month because they are reporting that I still owe {$2500.00}. I hope that there will be a class action lawsuit against these scammers. Please count me in any class action against Seedfi and XXXX. And please notify all complainants here about any class action lawsuits against these scam companies.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 those account 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 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
Product: Mortgage

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment reported on XX/XX/XXXX and XX/XX/XXXX for my Calcon Mutual Mortgage Account Loan # XXXX. I want you to know that I understand my financial obligations, and if it werent for my medical episodes and lack of work, Id have an excellent repayment record. Also, I was under the impression at that time I was under credit suppression due to be being misinformed by a number of customer service representative form Calcon advising me that I am. I believe there should be some type of leniency because I was misinformed until now I made a mistake in falling behind, but since then I have been employed I was able to catch up on payments. 
Since then, Ive had a spotless record of on-time payments. Im planning to apply for a refinance of my home, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late 60-day payment on XX/XX/XXXXXXXX  and XX/XX/XXXX due to being misinformed from Calcon and the medical issues that affected me tremendously Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX speaks to unfair and deceptive practices both RC/RESURGENT RECEIVABL and LVNV FUNDING and XXXX XXXX are on my report damaging my report reporting without my consent on multiple bureaus. They are in violation of the privacy act of 1974. Youre misrepresenting our relationship as if we have a contractual agreement. Ive never signed an agreement with any of the mentioned three companies And It needs to be removed. 

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Looking through all the complaints for these companies you are willfully destroying peoples lives and preventing them from obtaining credit and its not right. 

Your reporting late payments on collection accounts that people havent agreed to, your reporting balances and transaction history on reports which is illegal! Youre a for profit company whom understands the more debt the more mistakes the more you report the more money you make and youre taking advantage of 1000s of Americans. 

Below in the attachments you will see the violations and how willfully they non comply to the FDCPA, because they dont care to as you can see one photo states meets FCRA REQUIREMENTS which lets me know there was no real investigation done.. collections are governed by the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, sent letters with no third-party involvement regarding inaccurate and unknown things on my credit report. I sent out letters in XXXX which has now been will over 60 days now and there's still no response. I feel like I am being taken advantage of and being ignored of my disputes. I've been patient on a response and now I demand these items be deleted immediately. My information was impacted by the XXXX  data breach as well.
Product: Mortgage

-Hello, my concern is my loan was transferred to Nations star XX/XX/2014 from XXXX , my loan was current at the time of transfer. The problem that i 'm currently having is Nation star continues to add extra fees with no fact onto my loan and this has increased my payment by over {$200.00} a month., when i ask them about it or to show me proof of this, then only send back the escrow analysis. I 'm sick of these lenders trying to get over on consumers. My Goal is to one day pay my mortgage pymt off not to pay for a CEO 's salary. This overage has been going on now for over 1yr without any break downs as to how they came up with this figure.. I have paid 3 times over XXXX that was included in my loan when XXXX had my loan I refuse to have this Happen with Nations Star.. I 'm a single parent trying to keep a stable home for my son and the extra fraudulent fees are keeping food from my table.. I would like a complete financial break down ( not an escrow analyze ) but a visual break down from the time N.S. purchased my loan from XXXX to current as to why you have added a shortage spread to my loan # XXXX. Why would I have a shortage Spread on a loan that 's current and was current when you purchased my loan from XXXX XX/XX/2014.. This complaint is for Nationstar and XXXX, There is no Shortage Spread Nationstar quit defrauding consumers!! I have reached out to Nationstar several times for an explanation but i only received the same Annual Escrow Account disclosure statement with no true fact.. HELP!!! PLEASE!!! 
Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX CAPITAL ONE BANK USA N A Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Myself, or my cosigner never received the last statement or the option to pay this. The collection agency said it got sent to an address on XXXX. I did not provide that to them as my forwarding address nor have I ever ever heard of that address. My cosigner never received anything it went straight to collections. When I called the collection agency to pay I offered {$400.00} a month as I am currently not working, my XXXX had a XXXX, and I am on XXXX XXXX and not receiving my full amount of pay the man said I will not accept that and I should be embarrassed to even offer that on such a high balance of {$9900.00} he also told me too bad so sad when I said, I never received the final statement.
Product: Debt collection

According to 15 U.S. Code 1692g, which governs the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper notice of the debt and an opportunity to dispute it within 30 days before reporting or publishing it to any credit reporting agencies. If you feel this is my debt and you've sent proper notification please send me the certified copy of the proper notification, proper receipt bearing my signature and name on it.
Product: Vehicle loan or lease

I leased a XXXX, XXXX XXXX in XX/XX/2021. I traded in a leased Lexus XXXX. I signed XXXX 's paperwork authorizing them to finalize the trade-in, transfer the plates and take possession of the XXXX XXXX on or about XX/XX/2021. 
Lexus refused to honor the transaction and contacted me numerous times for payments they said I owed. The amounts varied depending on who we called to resolve the issue. More than once they said they would call back with the information to explain the mystery charges and never did. 
Finally they threatened sending the dispute to a collection agency if we did not pay them by XX/XX/2021. 

The XXXX agent was very helpful and contacted Lexus numerous times. He was also given misinformation. Assurances of resolution were not honored. He told me, " that many XXXX agents were getting the same run around '' from Toyota/Lexus Financial. He was delayed for several months trying to get the Title to the car. 
XXXX finally contacted us after debt collectors had contacted us and said the file was closed. 

It is my opinion that Toyota/Lexus are resisting consumer movement to all Electric Vehicles. They have delayed selling their EVs here in the US market. 

I can provide the name and cell number for the XXXX agent that experienced the title transfer delay and can verify the duplicitous assurances of resolution.
Product: Credit reporting or other personal consumer reports

just recently looked at my credit report I saw some hard inquiries that did not have permissible purpose. 


XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I filed a complaint # XXXX, and it was removed from my XXXX  reporting as this was a credit check for a credit card for XXXX without my consent or knowledge. Using a very old address, a clear indication of Identity Theft. 

Now the same exact reporting is showing on my Transunion credit report and also needs removed. See attached images below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for credit in XXXX of 2022 and was denied. I checked my report and saw 2 accounts that i have not done any business with. I have a card with XXXX XXXX XXXXXXXX For the amount of XXXX, i also have a account with XXXX XXXXXXXX on my profile for the amount of XXXX. I have not done business with either company and These 3 companies needs to be deleted off of my credit. THIS IS FRAUD
Product: Debt collection

IVE recently checked my credit report and noticed some inaccurate accounts reporting.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

XXXX XXXX  / XXXX / {$3800.00} XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 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 an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaint number XXXX. 
My complaint has been closed without providing a proper resolution. 

I have been following up with company for last 4 months to get the wrong reporting done on my account corrected. I am not getting a proper reply. Every time I am being told it will take 20 or 30 days. Same thing they did with complaint I submitted with CFPB. 

Also, they didn't provide any update on my demand to compensate me for all the troubles I am going thru since last 4 months due to this issue. 

I demand a compensation of XXXX USD.
Product: Debt collection

The person calling said they were calling from EOS CC, a debt collection. 

My complaint, however, is that on caller ID, they come up as " XXXX XXXX XXXX '', which is a credit card company. A call from them would likely mean a credit card was compromised. 

It turns out, a debt collection agency is having their number appear to come from a different company. 

The number is XXXX XXXX XXXX XXXX. It is not the number for XXXX XXXX XXXX.
Product: Debt collection

They keep calling me frequently about XXXX times a month from different numbers asking me for my information telling me about the debt when I already know and I know that I paid the momey i owed but they continue to add late fees to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted ADVANCE RESOLUTION SERVICES requested a full file disclosure, extended fraud alert, consumer statement, security freeze. Company has refused all of my request log # XXXX File # XXXX. Last contact XX/XX/2022 and XX/XX/2022. Put company on notice that I am a victim of Identity Theft.
Product: Credit reporting or other personal consumer reports

I have disputed this account several times with Equifax.This company continue to update this account with incorrect information.I know that under the Fair Credit Reporting Act all credit reports must be accurate and report the same information.This company isnt doing so and they have exceeded the 30day time frame.Please delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that does not belong to me and I need them removed from my credit report. I am listing the accounts below. 

XXXX. LENDMARK FIN SVCS XXXX {$3100.00} XXXX. XXXX XXXX XXXX {$2200.00} XXXX. XXXX XXXX XXXX {$970.00} XXXX. XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Called many times only to get hung up on by the automated robot. Website does not work at all. Experian is terrible, and the other two aren't much better. Why do we have to live like this?
Product: Debt collection

Health insurance states hospital visit on XXXX XXXX, 2015 was not billed to the correct insurance company in the allotted time, therefore once claim was submitted, it was denied. The amount is {$1000.00}. I called the Health Insurance and was told to ask the collection agency to resubmit the bill. The collection agency said they already submitted it but was denied by Health Insurance because of the time claim was filed.
Product: Mortgage

Beginning in early XXXX I advised US Bank corporation they were paying our property taxes 70 days to early. Property taxes in XXXX XXXX North Carolina were due on XX/XX/XXXX. US BANK issued a check on XXXX, XXXX 70 days to early. 

When I called in to the bank and advised them on this mistake they claimed it was not and issue and early payment would have no effect on their future escrow analysis yearly statement. Two weeks later I received a letter demanding a XXXXXX/XX/XXXX payment by January 1rst 2025 and beginning XX/XX/XXXX and additional XXXX XX/XX/XXXX every month towards the escrow account. 

I returned their statement and advised US BANK I no longer wanted them escrowing my taxes and insurance, we owned more than 50 % equity in the home. US BANK SENT a letter dated XX/XX/XXXX claiming they would investigate my concerns and acknowledging they would not received or hold escrow money any longer. I have sent them additional communications regarding no more escrow period.
Product: Mortgage

My Lender foreclosed on my home after I put it in bankruptcy. They told me it was being transferred.
Product: Checking or savings account

XXXX XXXX charges appear on my account for many months I had plenty of money in my account and I have been sick a lot so I really Hadnt noticed the constant withdrawals I called in on XX/XX/XXXX to report the unauthorized charges on my checking account. They took the report and would be deciding on putting a temporary credit I few days later that happened then when I was out of town I notice my card being denied and I look into it and the bank reversed all of credits I called them snd they said that some time in XXXX I okd all those charges there is no way possible that they spoke to me snd these charges arent mine I keep getting s run around snd they say someone will call me but not one single person has followed through How could they remove the temporary credit a couple days after they gave it to me when it takes XXXX for the process