23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Around XXXX, XXXX there was a few unauthorized charges on my account. I notified Home depo department about the charges and also confirmed my credit card was misplaced with out my knowledge. I disputed the charges. Home depot did an investigation and once they completed the investigation based on their review they placed the charges back on my account and came to the assumption the charges belonged to me. I been a client with hope depo for about 2 years, always paid on time and never had a issue. Im planning to drop their services for the disrespect I received from them with this assumption. I would like this resolved and cleared of all fraud charges.
Product: Checking or savings account

I would like to file this case within the class action lawsuit against Vystar CU of XXXX XXXX. I am a victim of their antics and manipulating computer schemes that caused financial problems for consumers.
Product: Credit reporting or other personal consumer reports

Ive disputed with Trans Union, the deceptive collection account from XXXXXXXX XXXX XXXXXXXX alleging i owe debts in the amounts of {$260.00} and {$220.00} being reported on my Trans Union credit report. Ive requested Trans union and the collection company to verify I owe such alleged debt, it has been well over 30 days for trans union to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit reeport immediately. it is Transunion responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Transunion, Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n
Product: Credit reporting

Since 2010, on numerous occasions I have disputed a bankruptcy being reported by Equifax on my credit profile. Each and EVERY single time, they 've responded " verified ''. And EVERY single time I asked for what 's known as a Method Of Verification, I 'm simply told to contact the court on " record ''. On several occasions I 've spoken with court officials over this so-called bankruptcy and they verbally confirmed what I had already assumed ; Equifax NEVER, NOT ONCE " verified '' any such bankruptcy with the court. And as such this reporting is illegal according to the FCRA and NJ State Law and needs to be deleted. Please refer to my notarized letter addressed to the court and their certified response. I look forward to Equifax 's response via CFPB for the record as I contend that Equifax 's policies allow them to BLATANTLY LIE to consumers and the authorities that govern the FCRA.
Product: Credit reporting or other personal consumer reports

It is my right to use the Fair Credit Reporting Act Law to protect my consumer report rights to privacy and confidentiality. 

XXXX XXXX XXXX Opened : 9/23/2014 Account # 1024703346001 My consumer rights were violated with incorrect reporting on this account.

Consumer Law 15 U.S.C. 1681 Sec. 602 A. States my rights to privacy. 15 U.S.C. 1681 Sec. 604 A Sec. 2 : States that the consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) 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 7 years. 15 U.S.C. 1681 s 2 ( A ) ( 1 ) A person SHALL NOT furnish ANT information relating to a consumer, ANY consumer reporting agency if the person KNOWS or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

There was an account opened with XXXX Flags that I never had and filed a police report. I sent over the police report VIA email after I called ( XXXX ) XXXX. This was back in late XXXX and early XX/XX/2022. While the gentleman provided the email he had the audacity to STILL demand payment. It was ridiculous. It has now been XXXX weeks and it's STILL on my credit report. This company has a LONG history of arbitrarily placing debts not owed on the XXXX and another has just been added. It's a pattern that places the burden on the consumer while it takes absolutely nothing to add information on ones credit report. It is XXXX and it was placed on my credit report the last week in XXXX for an account they say was opened in XXXX of this year. Which is impossible considering I have not been to ANY XXXX flags in several years and that none of the information proved to me over the phone even matches me.
Product: Mortgage

I have lived in my home since 2005. However, I suffered a loss of income and got behind and got behind on my mortgage. I have regained full employment and have tried to get assistance from the mortgage, but have been denied. 
The only option they propose is a short sale. When asked the reason for the denial the answer is " the investor XXXX '' has not given authorization. When contacted, XXXX says the bank has the responsibility. 
This is very confusing and frustrating. I do not want to lose my home. 
A previous compliant was filed last XXXX. However, the CFPB representatives have been unable to locate the results.
Product: Mortgage

It has taken far longer than initially estimated to close on my home equity loan application and I have not been given an estimated close date from Navy Federal Credit Union. I am at a loss on how to complete this application and have already spent over {$500.00} on a home appraisal required to complete the loan. 

I have reached out to my loan processor and both of her immediate managers with no response on estimated closure dates. The only response I receive is that the loan is in final review with underwriting. 

I first applied for this loan on XX/XX/2022. Advertised processing time was 30-45 days but due to increased demand, loan processing was estimated to be 75-90 days. I am now over 150 days into this process. Due to statutory requirements, our credit has had to be rerun and income reverified due to these delays. Please help me resolve this issue, bring the needed attention to my application and compete this loan request. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employment information on report. I have never worked for XXXX XXXX. I work for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I called TransUnion refused to investigate the inquiries put on my credit report and a couple of days before that I had the same problem with XXXX they refused to investigate the inquiries that were placed on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

There were credit inquiries on my XXXX, XXXX and Equifax credit reports that I didnt make.
Product: Debt collection

Back in XXXX of this year I had cancelled my 5G Home Wifi, and I had returned the modem. I called XXXX to pay the balance due because I could not access the account because the store had registered two accounts under my name and it caused issues with logging in. It created a phantom billing situation where one account had a balance and the other did not. I told the agent I would like the late fees to be taken off because I could not access the account to pay and that I would like to just cancel. He escalated me to a manager and we had gotten rid of the late fees and I paid the balance in full by providing my debit card information and a few days later I sent the modem back to XXXX. I received no further communication, so I assumed the matter had been taken care of. Now in XXXX I got a collections notice on my credit. And I did not receive anything prior to it being put on my credit and XXXX says I owe them XXXX XXXX No one can tell me why, and the collections agency says I can not dispute it with XXXX because it is with them, and they can not change the paid status unless I pay them the XXXX XXXX I want XXXX to fix this, and I want my credit back to the way it was, because I have never had collections on my credit and it dropped XXXX points.
Product: Payday loan, title loan, personal loan, or advance loan

I was informed this company has added extra fees to my policy without my knowledge. 
My account is currently stating I owe the full amount taking out on the loan, when I made several payments on the account already. I was unable to continue with payments and now it it is collections for full loan amount. I went through hardship they dropped my credit score, making me ineligible for any lines of credit to continue to pay bills. 
Years XXXX {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX 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.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Consumer XXXX XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date XX/XX/XXXX Account # XXXX Routing # XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

The bank received full payment for the obligation via investor funds, insurance claims, or government backed securities, yet continued to misrepresent the balance as due and owing. 

XXXX XXXX, 2023 - Revocation of Signature, Revocation of POA, Fiduciary Appointment, Validation of Debt, copy of XXXX XX/XX/XXXX, XXXX OF TRUTH, second copy of previous, XX/XX/XXXX, XXXX copy of previous, RESPA QUALIFIED WRITTEN REQUEST, TILA REQUEST, DISPUTE OF DEBT AND DEBT VALIDATION LETTER, Notice of Intent Fee Schedule XX/XX/XXXX, XXXXSame as above with Conditional Acceptance, Affidavit of Trademark/Copyright, Affidavit of Power of Attorney in Fact XX/XX/XXXX, XXXX Same as previous with XXXX Conditional Acceptance/Opportunity to Cure XXXX XXXX, XXXX as above with XXXX Conditional Acceptance/Default XX/XX/XXXX, XXXX, Rescind, Cancel Note, Affidavit of Title XXXX XXXX XXXX XXXX XXXX Durable POA XXXX. XXXX, XXXXNotice of Claim to Interest, XX/XX/XXXX, XXXX Notice of Claim to Interest/Opportunity to Cure XX/XX/XXXX XXXX XXXX Notice of Claim to Interest/Default XXXX XXXX XXXX XXXX General Executor Letter , Certificate of Assumed Name, Cancellation of all Prior Powers of Attorney, Deed of Reconveyance, XXXX XXXX, XXXX Intent to Sue The mortgage was paid before you made the first payment that's right the debt also the United States of America ; that's 12 USC 95 A. The bank didnt loan the money. The lender got it from the Federal Reserve the Federal Reserve gave U.S. Bank a credit and then they brokered the loan to me. 

There are broken chains of title. Request status to do an in depth analysis of all mortgage documents AKA forensic audit in your possession to investigate and identify many other areas that are likely to provide information. 

On the secondary stock market where mortgage-backed securities are being sold, the mortgage and the promissory note can not be separated. If they are separated which is what happened in the securitization when it's being sold on the secondary market, that makes the mortgage is void. 

THIS CASE CONCERNS A FRAUDULENT BANKING SCHEME IN WHICH MORTGAGE COMPANY ENGAGED IN DECEPTIVE FINANCIAL PRACTICES BY MISREPRESENTING THE NATURE OF A PURPORTED LOAN, UNLAWFULLY MONETIZING THE PROMISSORY NOTE, AND FAILING TO CREDIT XXXX XXXX FOR FUNDS LEGALLY OWED UNDER BANKING REGULATIONS. 

KNOWINGLY CONCEALED MATERIAL FINANCIAL TRANSACTIONS, INCLUDING THE CONVERSION OF THE PROMISSORY NOTE INTO A BANK ASSET AND THE CORRESPONDING DEPOSIT LIABILITY HELD IN XXXX XXXX NAME. 

DESPITE BEING PAID IN FULL THROUGH SECURITIZATION AND OFF BALANCE SHEET ACTIVITIES, CONTINUED TO COLLECT ON A DEBT THEY NO LONGER HAVE LEGAL STANDINGS TO ENFORCE IN VIOLATION OF 12 U.S.C. 503, 12 U.S.C. 1847, AND 18 U.S.C. 1005. 

XXXX OF THE BANK IS RESPONSIBLE FOR OVERSEEING FRAUDULENT TRANSACTIONS. 

U.S. BANK 'S LAW FIRM IS THE LEGAL REPRESENTATIVE IS ATTEMPTING UNLAWFUL ENFORCEMENT ON A NONEXISTENT LOAN. 

THIS CONSTITUTES FRAUDULENT DOUBLE DIPPING AND UNJUST ENRICHMENT, IN VIOLATION OF 12 U.S.C. 503 AND 18 U.S.C. 1005.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Report Number : XXXX Date Generated : XX/XX/year> Subject : Request for Validation of Alleged Debt Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear [ Debt Collectors Name or To Whom It May Concern ], I am writing regarding the alleged debt associated with the above-referenced account. As this matter impacts my creditworthiness and personal information, I am disputing the validity of this debt and formally requesting debt validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Specific Issues The information associated with my credit report includes multiple inaccuracies and unverified details. Below is a summary of my correct information and the discrepancies that require immediate attention : Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Validation Request : Please provide the following documentation to validate the alleged debt : A signed agreement or contract proving my obligation to this debt. 
An itemized breakdown of the debt ( principal, interest, fees, etc. ). 
Proof that you are legally authorized to collect this debt on behalf of the original creditor. 
Impact on My Credit Report : If this debt can not be validated, you are instructed to : Cease all collection activity immediately. 
Request the removal of any associated negative information from XXXX, Equifax, and XXXX. 
Correct or update any inaccurate address, name, or employer information listed on my credit report. 
Legal Considerations Failure to validate this debt within 30 days of receipt of this certified letter will result in legal action under : FDCPA 807 [ 15 U.S.C. 1692e ], for false or misleading representations.

Fair Credit Reporting Act [ 15 U.S.C. 1681s-2 ( b ) ], for reporting unverifiable or inaccurate information.

I will pursue damages of up to {$5000.00} in small claims court for : Defamation resulting from inaccurate credit reporting.

Negligent enablement of identity fraud.

Violations of consumer protection laws.

Immediate Action Required You are required to : Provide a written response with the requested validation documents. 
Cease all credit reporting and collection activities pending resolution. 
This letter is an effort to resolve the matter amicably and correct inaccuracies. It does not constitute an acknowledgment of the debt or a waiver of any rights. Please direct your response and any questions to my address above. 

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

I have a problem with my XXXX XXXX credit card issued by Wells Fargo. It is being reported on my credit that I'm 30 days overdue and this was reported on XXXX XX/XX/2022 but 30 days overdue would have been XXXX XXXXXXXX on XXXX XX/XX/2022. I learned that my automatic payment didn't process due to an IT error which I promptly made the payment via Wells Fargo payment system. The following is the message I received upon making the payment : You recently submitted a payment The following payment will be effective as of XX/XX/2022 : To account Wells Fargo XXXX From account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Payment amount {$500.00} Additionally, the payment reported as delinquent on my credit report is {$500.00}, which wouldn't be the case if I '' m only XXXX past due. This is another red flag that something is wrong with Wells Fargo credit reporting schema and it should be investigated immediately. I've worked hard to maintain my credit and it appears that Wells Fargo has a motivation to make customer accounts delinquent and report false information.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries from cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020, I received a written document from XX/XX/XXXX about a debt that, I do not owe and the letter falsely stated that the amount that, The amount that is owed to them is XXXX ( Dollars )., and that a company called XXXX, Is the original creditor. I have never heard of XXXX. This company is in violation of CFPB laws and should be reported to the Federal Trade Commission for failure to inform me on their document about my rights to dispute their false claims.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION 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.

TRANSUNION 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: Debt collection

According to the FCRA, it is Experian job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with Experian is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true.

I had asked Experian two months ago for the following they could NOT provide : How did you investigate this account?

Who did you speak with?

What date and time was this investigation Experian could not provide any information.

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX responded to a previous complaint submitted through here, and indicated they would send the credit reporting agencies a letter informing them to remove ALL tradelines associated to my name after a court decision. It has been 60 days and the credit agencies have stated that 1 ) they never received such a letter.

2 ) The confirmed the debt very recently 3 ) They denied a copy of the letter I provided as being real. 

A recorded conversation with a XXXX employee in legal in XX/XX/2024, they informed me that XXXX was overruling the court order and letter, and would continue debt collection ( illegally ). 

I demand that this debt profile be removed immediately by XXXX contacting every and all credit reporting agencies directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand all accounts below to be deleted, pursuant to 12 CFR 1090.104 ( ii ) and 15 USC 1681a ( d ) ( 2 ) ( i ), the term consumer reporting and consumer report does not include the activities of a person to the extent that a person collects, analyzes, maintains, or provides information that relates solely to the person 's transactions or experiences with consumers. I do not give my permissible purpose or written instructions for you to report my experiences and transactions with the following financial institutions listed below. Immediately purge and delete the accounts.
Product: Credit card or prepaid card

HSBC Bank used to have a decent rewards program, which I used several times to redeem points for travel. Wanting to use it again, I called in XX/XX/XXXX, and was told that XXXX points would give me a {$400.00} credit. I had over XXXX reward points then, and purchased a ticket on XXXX XXXX. ( {$1100.00}, and seats for {$62.00} and {$64.00} ). On XXXX XXXX, I called to redeem XXXX points for an {$800.00} credit. A veritable horror story started then. I was told the rewards program changed at the start of XXXX, and I could not get my credit the same way ( there was one email telling us that it changed, but no indication that redemption ratios also changed ). I spent days calling, getting absolutely nowhere. Later, I emailed and emailed ... a nightmare. I got a final email on XXXX XXXX, telling me that I got some credit for the purchase, and leaving me with about XXXX points ( in the meantime, the seat price was refunded because the flight was cancelled and rescheduled ). I believe that HSBC owes me at least XXXX points still, because - as staff admitted - I should fall under the previous rules, since the purchase was in XXXX ( My initial interactions were with staff in XXXX, from what I gather, and their indifference/incompetence was hard to believe. ) Even with new rules, XXXX points equal at least {$100.00}. I emailed again, but got no response. Please help ...