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

My account with XXXX AND 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 AND 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: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I use Chase bill pay to pay my regular bills. On XX/XX/18 I paid my trash company the monthly invoiced amount of {$120.00}. On XX/XX/18 someone at Chase bank changed the vendor name and address without my knowledge or consent and mailed the check to this erroneous vendor. The vendor is not related to my vendor and I had to pay the amount again to the correct vendor.

When I contacted the bank they said they were contacted by the new vendor and changed the information based on " valid documentation '' and that they do this regularly. They said they can not provide me with that documentation because it is confidential. I received no notice or confirmation of the change by the bank of vendor information in my personal online profile. The change is NOT valid and the real vendor is not aware of why they would have made this change, and required me to pay the bill in full again.

Chase said they would investigate to see if the correct vendor was paid - when asked they said that means if the vendor name on the check is the vendor that cashed the check. That doesn't help me! The vendor name is wrong, I did not make that change they did, and now I am just out {$120.00}? I guess I can't trust Chase bill pay any longer?

I also contacted their online banking division who said they will get back to me, but it did not sound like I will ever get a satisfactory answer to this issue, nor any assurance that it will not happen again. Is that legal for them to change my vendor information without telling me???
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$250.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card

On XX/XX/year>, I conducted a review of my credit report and discovered that an individual had fraudulently opened a Capital One credit card in my name without my authorization. I did not grant permission for anyone to establish an account under my identity ; consequently, my personal information and identity have been compromised. This individual utilized the credit card and opened the account without my consent, resulting in a current balance of {$8800.00}. In response to this fraudulent activity, I have reported the issue to all three major credit bureaus, filed a report with the local police department, and submitted a report to the Federal Trade Commission ( FTC ). Additionally, I reached out to Capital One to initiate an investigation into this unauthorized account.
Product: Student loan

I'm not sure when all this happened but speaking with these folks and never getting any information on this loan. The problem is I have never attended college. The dates they gave me was back in XXXX. Which could'nt have been me. I had a XXXX  XXXX followed by complications after my child was born for over 2 years. Then they began threating to garnish my income tax and said I had to file for deferment. I have requested my signed paperwork for this loan and as of today nothing. This has been hell trying to get any information on this because I never went to college and have no knowledge of who got the money for this loan. It is affecting me. I belived that someone signed and recieved money fraudulantly and I can't seem to get any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX multiple times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX... They have not responded to my letters. They expressed to me that the company " XXXX XXXX XXXX '' no longer holding the contract but still reporting it on my consumers report with the wrong contact Information. They have sold the account to a collection agency sold the car at the auction. They did not disclose this Information to me. 15 U.S code 1681b They do not have my hand written signature giving permissible purpose.
Product: Credit reporting or other personal consumer reports

Im trying to buy a house and noticed several inquiries that were unauthorized. According to 15 U.S.C 1681 law there should not be any damages on my report, this is a defamation to my character.
Product: Mortgage

XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2023 This complaint was submitted on XX/XX/2023. This followed the 2nd call that I had with the mortgagee and my HUD Housing Counselor on XX/XX/2023. The complaint was that XXXX XXXX DBA Dovenmuehle Mortgage was not acting in good faith while claiming to work with me on loss mitigation and forbearance on the mortgage and for withholding information needed for payoff. 
You closed the claim as you state the company responded to you? 
Maybe they told you that they sent me an offer and a payoff quote. The only thing that I received was a payoff quote. The payoff was given with less than 14 days to payoff which was including both XXXX XXXX and the XXXX XXXX holiday. 
On XX/XX/XXXX, I received a letter from Dovenmuehle Mortgage with a letter inside dated XX/XX/2023. The envelope was postmarked XX/XX/2023. The offer inside for a loan modification without financial evaluation was apparently approved six days before the postmark was printed on the envelope. The offer expired three days prior to my receiving the mailing. 
I've attached a copy of the envelope with postmark and a copy of the first page of the letter. My question is simply this, why not mention this during the second call with the DOVENMUEHLE & the HUD housing counselor? Surely for an approved offer to have been made on XX/XX/XXXX, it had to be in progress on XX/XX/XXXX. 
A loss mitigation forbearance plan is desired, however, one that it would be possible to respond to, accept, and execute would be a necessary for this to be an offer that is more than just " lip service ''. 
I did include another letter/postmark scan just to show how common it is with this company to print a letter but hang onto it for an extended period of time before adding a postmark to the envelope. This letter is dated XX/XX/2023 with a postmark date of XX/XX/2023. This letter sat around waiting for over 2 weeks.
Product: Debt collection

Dispute Letter to Credit Collection Services Company LLC and CFPB Complaint Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Date : XX/XX/2024 Credit Collection Services Company LLC XXXX XXXX, State Zip Code RE : Dispute of Debt and CFPB Complaint Notice Dear Credit Collection Services Company LLC , This letter serves two purposes : Dispute of Debt : I am writing to formally dispute the debt you are attempting to collect from me. I am unaware of this debt and have no recollection of incurring it. 
CFPB Complaint Notice : I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your debt collection practices. 
Debt Dispute : I have not received any prior communication regarding this alleged debt. 
I request written validation of the debt, including the original creditor, the amount of the debt, and the date the debt was incurred. 
Additionally, I request a copy of the purchase agreement between you and the original creditor, along with proof that Credit Collection Services Company LLC is licensed and bonded in my state. 
CFPB Complaint : My complaint alleges that your debt collection practices violate the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : 12 CFR 1006.34 ( b ) ( 5 ) : I have not been given the opportunity to dispute this debt. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I did not receive proper notification of this debt. If you believe I did receive notification, please provide a copy of the certified receipt with my signature. 
12 CFR 1006.34 ( d ) : You have not ceased communication attempts despite my request in writing. 
15 USC 1681 - 2 ( 7 ) ( a ) : You have not responded to previous attempts to communicate regarding this debt. 
Request for Response : I demand a written response to this letter within 15 days of the date it is received. Your response should include the validation information requested and a confirmation that you will cease all communication attempts until this dispute is resolved. 
Please be aware that your silence will be considered acquiescence to my claims. 
I will also be filing a complaint with the CFPB regarding these violations. You can find more information about the CFPB 's complaint process at https : //www.consumerfinance.gov/. 

Sincerely, XXXX XXXX XXXX Note : I have included the relevant code sections from the Fair Debt Collection Practices Act ( FDCPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX  and XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit information is being used incorrectly and without my authorization by the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), which mandates that only individuals or entities with a legitimate purpose can access and handle my credit history, I believe the bureaus have violated my rights by maintaining or distributing information without my explicit consent. I request an investigation into the misuse of my data and ask that my information be safeguarded in accordance with the applicable regulations. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Issue # 1 ) I 've requested to receive written communications ... everything is still sent electronically. I want a paper copy of EVERYTHING that happens with this company sent to my home address. Issue # 2 ) I requested a consolidated transaction history of all loans sent to me. I 've requested 5 different times. I have yet received a consolidated history. Issue # 3 ) ... and the most important. I 've called 5 different times to receive an answer and written evidence. A reversal on my account for XX/XX/2016 appears for XXXX but was never refunded. On XX/XX/2016, the same thing occurred. I was told there was some magic transaction that money was returned to the FED. But I 've again and again requested evidence that this was the case. Nothing!!! No written letter. Instead, it 's been some customer service agent reading notes on my account and guessing. It 's {$3200.00} ... I want proof of what happened. Otherwise, I think the company frauded me out of my money! Lastly, why was {$370.00} applied to interest on a payment of {$1100.00} made on XX/XX/2016. I make a monthly payment each month. I would say I make the minimum but I do n't know since I DO N'T RECEIVE THE XXXX STATEMENT!!!! I 'm told there are XXXX different loans and they all do something different and I sent my payment to the wrong address. AGAIN ... .I DO N'T RECEIVE THE XXXX STATEMENT!!!!!! Navient has messed my loan up so badly. I want a full accounting of my payment history on all my accounts. I want a printed copy sent to my home. I want {$3200.00} credited to my account that was stolen. I want all future communications sent to me in writing. I want an summary of the account loan and terms sent to my home. I want an explanation of the amortization schedule and P & I requirements. I want to understand what is happening with my loans. I work for a XXXX ... .I have for 10+ years. This is fraud and trickery abound here!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge off. The account in question is XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C 1681 e ( b ) ). Repeatedly reporting the charge-off each month result in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681 c ( a ) ( 4 ) ). Continuously reporting this charge off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter. -
Product: Vehicle loan or lease

One Main Financial offered an additional loan to pay off my existing title loan. 
They did not return my title after paying off the initial tile loan. 
They are now attempting debits to my bank account XXXX times per month that are not authorized at {$200.00}. XXXX time per month totaling {$600.00} per month for a car I paid off with XXXX miles currently and steering issues as. salvaged car. 

{$600.00} per month is not affordable and never authorized. I am demanding my title immediately, and loan of {$5000.00} was the initial loan, not {$11000.00} and not returning my titlw. 

I will not pay any further payments until the title is returned to me and I am able to trade the 2017 XXXX XXXX, that has recalls. I have reached out to XXXX XXXX with no answers to reimbursements of monies spent to correct the recalls. 
The car is salvaged and dangerous to drive.
Product: Credit reporting or other personal consumer reports

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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}
Product: Checking or savings account

I have tried to close my checking account several times and have been refused. I was then charged with fees from returned checks when I have not written any checks and no one currently has permission to draft money from my account. It has been weeks and I havent gotten the account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday, XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To whom it may concern, Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal rights Pleased removed ASAP Sincerely, XXXX XXXX XXXX XXXXXXXX Account XXXX Balance {$160000.00} Balance updated XX/XX/2022 Original balance {$120000.00} 15 USC 1681b Permissible Purpose Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal. Please remove from account with 30days XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries that appear on my credit report as a result of identity theft. These inquiries were made without my knowledge or consent and are causing significant harm to my credit profile.

In accordance with Section 604 of the Fair Credit Reporting Act ( FCRA ), I request an immediate reinvestigation into the following unauthorized inquiries and their removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This all started on XX/XX/XXXX found out when I logged into my Navy Federal someone put in {$1000.00} into my account and then took out {$1000.00} again to the XXXX apparently took out a cash advance which never do. I tried to dispute this with fraud companies, but they said it came from my cell phone which didnt make any sense. I have no idea what to do. I dont even know how to explain it because it happened so fast they tried to take a {$4000.00} loan out or a {$5000.00} loan out. They tried to take cash advance out when I told him that I did not do this, and I changed my whole account. They proceeded to tell me That there was no fraud that happened and they wont tell me how they knew that it was through my cell phone. I am completely devastated because now I cant pay for my XXXX whatever it is credit card. Also, with this Navy Federal gave me {$1000.00} I put it into my credit card to pay off my credit then Navy Federal took back that XXXX XXXX. It is extremely confusing and I dont understand what happened and who did this
Product: Credit reporting or other personal consumer reports

please check the information concerning the equifax data brach below in attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2018 I am disputing again the XXXX Account that is not accurately reported in my credit file. To all credit bureaus, I called XXXX directly and spoke to Miss XXXX XXXX, She states that NO credit bureaus have called to verify my account. The XXXX account was paid in full and not late. Credit Bureaus ARE NOT checking or Verifying any information. Per Law, they are supposed to. This negative information is hurting me obtaining a home and credit. There has been many mistakes on my file. I will continue to report and argue my case until someone listens.