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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$880.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$99.00}, XXXX XXXX XX/XX/2022, XXXX XXXX  XXXX XX/XX/2022
Product: Debt collection

I am being evicted from my property my late mother inherited a quitclaim deed before she passed in XXXX. I filed an notice of appeal XXXX XXXX and received an appellate number. I also filed in federal court. I filed adversary proceeding with to quiet title. The debt is time barged and its passed its statue of limitations. It is not under my name and did it sign anything with the creditors. Only under my late mother estate. Which it should of went to probate?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX Account NumbeXXXX # XXXX
Product: Credit card or prepaid card

I applied for a EIN through a website that i thought was the IRS because of the web address said IRS. Chase did not charge back the merchant for their " services ''. This was a fraudulent charge of {$240.00} to my credit card. The company that charged my card doesnt exist on the CFPB site or the XXXX. XXXX XXXX XXXX  is what the web address was and showed up first in XXXX. I thought this was the IRS and that it cost {$240.00} to get an EIN. Chase did not research or charge back this charge to the merchant as fraud. They didnt offer to shut down my card and get me a new one i had to request they do that since the company is clearly outwardly defrauding people into thinking they are the IRS and filing with them is the way to get your EIN. I want my {$240.00} back from chase and i want them to file it as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off XXXX completely for the amount that they stated I owe. The amount should have been listed as {$0.00} owed. They continuously report that no payments have been made or it is commonly reported wrong. I no longer owe this company anything and they refuse to report it accurately.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit card or prepaid card

Early this year ( in XX/XX/XXXX ), I closed other credit cards I did not need that I had with Bank of America. I just started using one personal credit card I kept that was with Bank of America. I recently added few additional users to this account. Bank of America suddenly forced closed my credit card account without contacting me or any other communication. I had this credit card since year XXXX and had a credit limit of {$70000.00}. Current balance on this card is less than few XXXX XXXX. This credit card and my business card both are set to have automatic withdrawal from my business checking account with Bank of America with always a decent balance. My current XXXX  score is about XXXX out of XXXX. I never missed one payment either on this credit card or any other credit card. I had plans to start using this credit card from now on. They also closed my business credit card while closing this account. It is extremely unfair what they did. I called them to find the reason why they closed. Agent could not answer. They said, they sent a letter to me. I appreciate your esteemed organization contact Bank of American reestablish this credit card ( Number XXXX XXXX XXXX XXXX ) and my business card ( Number XXXX XXXX XXXX XXXX ) effective immediately.
Product: Debt collection

My daughter has not lived here for almost 6 years. They keep calling me to get in touch with her a bout a bill. I have told them at least 50-60 that she doesn't live here. I have given them her number. I have asked for someone in the US. I have asked for a manager. I have threatened lawsuits, and I have been told that i would be taken off of their call list more times than I can remember. I have also been on the national do not call list for over 10 years.Absolutely nothing will stop these people. I have been a customer of theirs for over 20 years, but it will be coming to an end soon.
Product: Checking or savings account

i was on the phone with the early warning lady and we both got a truist member on the line with us, the lady said she couldnt unlock my account so she transferred us to the fraud truist department because they are supposed to unlock my account, then they answered they also said the same thing, they transferred us to the supervisor, the supervisor never answered after waiting XXXX minutes. mind you i already have my consumer reports from back in XXXX. i have been waiting since XXXX just to get {$180.00} out my account it should not have to take all of this just to NOT get my funds. my number is XXXX this is pure insanity that truist wants to accuse me of fraud activity when I AM THE PERSON OF THE ACCOUNT how can i even fraud my own self this is bullsh..like seriously i need answers and results asap the only one that has been helping was the early warning lady.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.

In accordance with the fair Credit Reporting act ) IN COLLECTIONS XXXX XXXX XXXX I OWE THEM {$160.00}. XXXX XXXX XXXX I HAVE 8 LATE PAYMENTS.

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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts. 



REMOVE OR THE LATE PAYMENTS OR DELETE THE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I filed a XXXX  XXXX Bankruptcy on XX/XX/24 and the creditors that I listed and included in my XXXX  XXXX Bankruptcy consisted of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and on XX/XX/24 both of these companies reported me as being late as well as an increase which is illegal and they can not do since I had filed a XXXX  XXXX Bankruptcy and they were not to make or report any changes during this time and process and they did. 

I have contacted Experian several times regarding this issue to no avail and they have not responded to any of my correspondences. I also lost a tremendous amount of points during this time as well that I want back ASAP. 

These companies were also notified on XX/XX/24 that I had filed a XXXX  XXXX Bankruptcy along with the case number and they still committed a crime in doing what they did. 

I have reported this information to the Bankruptcy Court along with the Trustee who is overseeing my case. I have also filed a lawsuit against Experian and all parties as a result of this information. 

You can not take action against any consumer who files a XXXX  XXXX Bankruptcy as a creditor once you are informed that they have done so and both of these creditors did not follow the rules of engagement as it pertains to this process in reporting information to Experian Credit Reporting Agency that they had no legal right in which to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX XXXX XX/XX/2022 Collection XXXX # XXXX No Category XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00}
Product: Credit card

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 U.S.C 1681 XXXXXXXX XXXX Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XX/XX/XXXX   XXXX XXXX  Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XX/XX/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 : 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 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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection that was paid and guaranteed from the collector XXXX XXXX to remove from report after payment made and it still shows on my report. Creditor said he is not reporting to the credit bureaus..NOT only that, it is reported INCORRECTLY, INACURATE<, NON CompLIANT to the XXXX XXXX XXXX and FCRA and they keep claiming for VERIFED and ACCURATE. 
DAte opened, last reported, date last active all wrong and inconsistnet
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting or other personal consumer reports

My bank has reported my correct address to XXXX multiple times and XXXX has the wrong address associated with all of my XXXX Michigan banking information on my credit report and XXXX  XXXX  section.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB Complaint to request to the Credit Reporting Agencies to have the disputed items corrected and or deleted from my Credit file. I sent a letter on XX/XX/2022, requesting that the Credit reporting Agencies reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. Again, please reinvestigate if the following accounts are inaccurate, incomplete and outdated. 

XXXX XXXX Balance Owed : {$340.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX Owed : {$2500.00}. These accounts are reporting erroneous information and needs to be updated. Under the Fair Credit Reporting Act, Credit Reporting must be accurate and correct, otherwise, the accounts must be removed from my Credit File as soon as possible.
Product: Student loan

The Cares Act suspended qualified student loans payments and interest until XX/XX/XXXX. Navient is only giving a one month suspension. I did not pay my scheduled payment and did not contact the lender as stated in the information at student aid.gov. I was contacted by the Navient and was told I could only get a one month suspension. 

All borrowers with a qualified student loan should receive the entire forbearance period as stated by the law. I request a forbearance from XXXX XXXX and need your help to ensure that my Loan servicer Navient abids by the law.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I inquired about sneakers for sale on an XXXX account called XXXX XXXX XXXX. I messaged back and forth and was told that they had the pair of sneakers I wanted in stock and that I just needed to transfer the cost of the sneakers through XXXX. I was given the person 's name and phone number and used XXXX to send them {$150.00} for the sneakers. I gave them the confirmation that the money was sent and they provided me with a tracking number. I asked them why the tracking hadn't moved him the XXXX XXXX stage and they closed the XXXX account and I could no longer communicate with them. I trusted them because they had a copy of their LLC Agreement on their page.
Product: Mortgage

NationStar Mortgage has drastically increased my escrow payment without consulting with me and my wife. I am currently at an 8.5 % interest payment and I have been trying for years to get a loan modification but all am getting is a run around. They will not even agree to refinancing my house.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT LLC is stating i, consumer, XXXX : XXXX, owe them a debt ( violation of my federally protected rights ) ( 15 USC 1692b ( 2 ). MCM has contacted me multiple times- ( violation of 15 USC 1692b ( 3 ). The entity they purchased from ( XXXX XXXX ) as stated, did not give them the correct information because i never had a contract with them either. They also are contacting me at inconvenient hours ( harassment ). I do not have a contract with this creditor or debt collector.
Product: Credit card or prepaid card

In XXXXXX/XX/XXXX, i opened a Walmart credit card account ending with XXXX, and payments were made to Walmart 's service company XXXX   XXXX. 

Account was in good standing before XX/XX/XXXX took over. So much so that XX/XX/XXXX sent me a check for {$340.00} for over payment and then i was denied access to my account and the account as it stands is {$54.00} over payed. 

Sometime in XX/XX/XXXX, XX/XX/XXXX became the service company for Walmart and the account was in good standings. 

On XX/XX/XXXX the credit card account was interrupted and I was told there was a restriction hold on the account. 

On XXXX XXXX, I called into the designated contact number to remove the hold ; I identified myself by answering all security questions ; i was sent a verification code via text, and i was denied access to the account after verifying my identity. 

I then was given a link to send in my identification ( ID ). I sent both my XX/XX/XXXX ID issued by my XX/XX/XXXX government, and also a credit card, as a 2nd form of ID. 

On XX/XX/XXXX, i was called by a representative XXXX from the fraud department, and she denied me access to my account, i asked for a supervisor. i then spoke to XXXX, employee ID number XXXX who also denied me access to my account. I asked for her superior XXXX, employee ID number XXXX and he also denied me access to my account because they stated they were not able to use my tribal identification issued from a tribal government for verification. i asked them for their policy in writing, they all refused. XXXX, XXXX and XXXX all denied me free access to my account based on my nationality as a native XXXX of the XXXX XXXX tribes, which is discrimination, especially since i am the originator of the first funds, and since CAPITAL ONE is a third party and the original creditor. I have been a customer for many years with the account in good standings.
Product: Credit card

I had XXXX credit cards with XXXX  XXXX company. Over a XXXX period they had XXXX incorrect charges that were not mine. After I made phone calls and sent letters with detailed backup XXXX XXXX eventually admitted they made errors and reversed the charges. In XX/XX/XXXX both cards were paid in full, and they were both cancelled. In late XX/XX/XXXX they claimed that I owed XXXX re-occurring charges of {$21.00} XXXX. to XXXX XXXX company .

After multiple calls to XXXX XXXX and XXXX XXXX they eventually saw that they made an error. XXXX confirmed to them that I never had an account or reoccurring charges with them paid by a XXXX  XXXX charge card or any card. XXXX XXXX sent me a letter that these charges would be reversed. They were also reminded that both cards were paid off and cancelled. At the end of XX/XX/XXXX, I received a statement claiming I owed {$730.00}. I called them, told them they were XXXX  and not to bother me. Next, I received a demand letter from Resurgent Capital, XXXX XXXX. I called them. They sent information showing they purchased my account from XXXX XXXX. I attempted to explain over the phone. That did not work. I sent a certified letter with back-up documents XXXX XXXX. I asked for proof that I owed this. They replied and said they reviewed my information and do not agree with me. No proof that I owed this was sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan from XXXXOLLEGEAVE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called COLLEGEAVE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contactingXX/XX/XXXX, and COLLEGEAVE with no successful resolution.XX/XX/XXXX and XX/XX/XXXX reporting me 30 days late in XX/XX/2020, XX/XX/2020, XX/XX/2020. There was an error on their part. I was never 30 days late on dates mentioned above.
Product: Debt collection

On XXXX XXXX XXXX, Convergent Outsourcing Inc, reported a debt on my credit reports without contacting me nor giving me the rights to dispute this debt that was reported in my credit reports for 7 years by another company and was removed since the statute of limitations to collect had expired. I have proof of the collection which reported on my credit report from XX/XX/XXXX to XX/XX/XXXX. The statute of limitations in my state is 7 years to collect a debt.
Product: Mortgage

We experienced a loss of employment. We tried a loan modification, but couldnt continue making payments. In order to avoid foreclosure we enlisted an agent ( XXXX ) for short sale of the residence.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX