23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've made several attempts to resolve a medical debt on my credit report that was opened on XX/XX/2018 by COMMONWEALTH FINANCIAL SYSTEMS in the amount of {$780.00} which is clearly incorrect and an error that's lowering my credit score is creditor that's threatening me about taking action. They undermine me and  bully with scare tactics they scream over the phone refuse to give me the name and address of the original creditor. I was eventually able to find out what the original creditors name was which is XXXX XXXX XXXX i contacted them and they had no information whatsoever about a medical debt i currently owe or was sold to another creditor agency.
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 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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 60 days 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 XXXX 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 8
Product: Credit reporting or other personal consumer reports

I have been looking at my credit reports and i have been seeing a lot of fraudulent activity. 
On XX/XX/XXXX XXXX XXXX XXXX was opened on my credit with a fraudulent balance of {$20000.00}. XXXX XXXX XXXXXXXX was opened on XX/XX/XXXX with a fraudulent balance of {$12000.00}. A XXXX XXXX XXXX was opened on XX/XX/XXXX with a fraudulent balance of {$500.00}. To continue there was also a XXXX XXXX account listed on my credit report that is not mine! The balance of the XXXX XXXX is {$1200.00}. The last fraudulent account is a XXXX XXXX XXXX that was opened on XX/XX/XXXX with a balance of {$580.00}.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Vehicle loan or lease

The company said i can pay XXXX on XX/XX/XXXX I called XX/XX/XXXX at XXXX They said i didnt call at XXXX XXXX day car repossess for XXXX With a repossession deposit no where ok my contract Recovering from car accident which they know
Product: Student loan

My uncle passed away in 2009, he was my co-signer of my private loans with XXXX XXXX. At that time when I submitted all the information they informed me that my loans were in default due to the death. Now 7 years later, Navient, is now trying to collect off me once again but my Uncles name is still on their loans and he should n't be. They have harassed me with phone calls at work, previous jobs, family, email, calls to my cell phone and through mail. They are very threatening each way they contact. Plus my original loan that was in default had a way lower interest rate from what they now show. These are crooks and something needs to be done
Product: Credit reporting, credit repair services, or other personal consumer reports

This is crazy ... I have sent out a hard copy complaint as well as online compliant, because of several unrecognized fraudulent accounts : XXXX XXXX XXXX # XXXX, .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  # XXXX I have several fraudulent SS numbers showing on my credit report that do not belong to me.. This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID. 
Please have them remove/delete the collection accounts immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Product: Credit card or prepaid card

My {$500.00} vanilla gift Card got replaced twice both times comprromised and put on hold. I don't trust trying another replacement would rather a check and not have to deal with this issue.
Product: Mortgage

We receive foreclosure documents from SPS and their attorney XXXX XXXX XXXX again on XX/XX/2021. This happened 16 months ago. We sent them a letter and documentation stating that they did not have the rights to the property could not to foreclosure on it. We also stated that the loan was satisfied. Now again they have a sell-for date for XX/XX/2021. This came completely out of the blue and with no communication ( other than that letter ) for 16 months. We believe this foreclosure is illegal for two reasons. 
This long loan was satisfied years ago. We continue to pay on the loan even after it was satisfying because we were not informed that it was. Would like to know where those payments went. 
We also believe that they don't have the legal right to foreclose the loan because of improper paperwork. They discount these facts as a red herring or us trying to just cause problems with the loan but we believe rule of law is important and proper documentation is crucial and these matters. We believe that because they are not the proper servicing agent is the reason it has been so hard to get verification and documentation. When we do receive documentation sometimes it's different from what they sent the time before and sometimes it's different from what was recorded with the county. 
We feel that there have been strange things going with This file. Every time we ask for clarification we have been sent to or contacted by departments that the regular departments could not identify. To use an old adage we feel we are being railroaded mainly by XXXX as the server of the loan. 
We are afraid of losing our home and all the equity in it. We believe that the loan was satisfied essentially twice. 
We demand that this foreclosure be stoped and this loan reconveyed now. 

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

I am writing to file a complaint against Experian for inaccurately reporting late payments on my student loans, which is in direct violation of the CARES Act. According to the CARES Act, " During the period that payments on federal student loans are suspended by the Department of Education, any payment that has been suspended is to be reported as if it were a regularly scheduled payment made by the borrower ''. 
This time period for the cares act spans from XXXX XX/XX/XXXX. 


Despite this provision, Experian has reported my student loan payments as late, which has significantly damaged my credit score. This incorrect reporting is heavily impacting my life, making it difficult for me to secure housing and other essential services. 

Acct XXXX is showing late payments from XXXX XXXX. 

I have disputed this account many times since XXXX, and have asked Experian to investigate this many times. 

I request that the CFPB intervene and ensure that Experian corrects this error by removing all late payments for this account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

An improper investigation was conducted by your agency. Experian failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint about a credit card showing up on my credit report. 
XXXX XXXX says that they do not have me as an authorized user on a credit card. 

Yet, on the credit report it shows a card from XXXX XXXX indicating that I am an Authorized User. 

If XXXX XXXX states that I am not, no relation to any bank account, credit card or debit card, then there must be a reporting error? Or did they issue a card and can not close it for some odd reason? 

I want to avoid any fraudulent risks. 

If I am not an authorized user on any accounts or cards, on what basis are they reporting?
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 
XXXX XXXX.
Product: Checking or savings account

My account information was stolen and checks deposited into my account.
Product: Credit card or prepaid card

On XX/XX/2023, I contacted Capital One to do a Pay for Delete for a charged off credit card. The rep stated that Capital One does not do Pay for Deletes. 

I asked the rep what were my options. The rep stated that I could make full payment or do a settlement. The original amount of the charge off is {$5200.00}. The first amount the rep asked me to do was {$3900.00} and I said no. Then, the next amount was {$3200.00} and I again said no. We finally agreed to settle the amount for {$2800.00} and paid for as agreed. 

I asked the rep to please send that agreement by email or by mail. The rep stated that Capital One doesn't do that and they only send it after payment. I told the rep again that I was requesting the settlement agreement in writing before I make a payment. The rep again stated Capital One doesn't do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover SSN Inquiry & New Account Alert : Your SSN/New Account/Inquiry alerts will soon come from a new number XXXX. There are no additional changes to your SSN/New Account/Inquiry alert messages you enjoy today, and no action needed from you. More details discover.com/text-migration I am not associated with number XXXX and believe this is fraud. I did not make any new credit inquiries.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I want to remove any late payments in my XXXX  XXXX account, XXXX XXXX - XXXX XXXX  account, XXXX XXXX XXXX account and NewXXXX Shellpoint Mortgage.
Product: Mortgage

Cardinal Financial ( XXXX XXXX has not refunded my {$4300.00} escrow balance on a mortgage loan I paid off on XX/XX/2021. I've reached out by phone several times and each time I am told they need to process a work order to reissue my check refund but there is no sign of the problem being resolved. My online account still shows the original refund check was scheduled to process on XX/XX/2021. I have not received it as of today XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NOTICE TO CEASE AND DESIST To Whom it May Concern ; I XXXX XXXX, consumer, and natural person, am aware of ALL rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 1681a ( f ) Congress defines Consumer Report Agency : The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

Which XXXX XXXX regularly engages in whole or in part in the practice of assembling or evaluating Consumer credit information for the purpose of furnishing consumer reports to third parties.

15 USC 1681a ( 1 ) States the banking system is dependent upon fair and 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.

15 USC 1681 ( 4 ) States there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy XXXX XXXX is reporting false and inaccurate information on my consumer report.Thats damaging my reputation, which is leading to XXXXXXXX XXXX  and a host of medical and financial issues. This blatant privacy violation of furnishing false and inaccurate late payments without my knowledge is causing XXXX and XXXX in my life. I demand you CEAST AND DESIST reporting late payments from my consumer report that your furnishing to all the consumer reporting agencies.

Pursuant to 15 USC 1681n - Any person who fails to comply with any requirements imposed under this sub chapter with respects to and consumer is liable to that consumer. 

XXXXm giving you notice to CEASE AND DESIST furnishing the false and inaccurate late payments of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all consumer reporting agencies immediately. 
Failure to comply will result in Civil Penalties. 


SINCERELY XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX i wrote checks too electric company and 3 other bills XXXX XXXX there was no money taken out of account but i added XXXX dollars in to account at XXXXXXXX XXXXwell later that day i got a messagesaying there was not enough money in account well i called navy federal about this.i explaind all this to rep and was told check was returned on the XXXX i asked why was i told about this almost 2 days later and too let you no it did not show up on online bankingit was not put on register till the XXXX the XXXX i called XXXX  my electric company so i could pay bill, well they would not take payment saying bill was paid i was like what i did not understand any of this. well XXXX forward till XX/XX/XXXX and XXXX  calls with check bounced i asked them when were you notified of this they said on the XXXX of XXXX well navy federal said i had low funds XXXX the XXXX i asked XXXX  it took them 5 days to let you know the check bounced. this is not the first problem with this bank one time i called to get bank records and they sent a whole different persons bank records i should of left them at that moment
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed chapter XXXX XX/XX/XXXX it was removed after seven years. In XX/XX/XXXX XXXX  put it back on my report under the same docket # as a chapter XXXX. The law is clear under the FCRA. The credit reporting agency has the responsibility to report 100 % accurate, complete, and verifiable information on my report. I sent them proof and they still refused to do so.
Product: Checking or savings account

I have not wanted to establish an alliance or corporate relationship with another bank because according I have been informed, they do not offer relationships with businesses with the type of structure that I want as a professional services corporations.
Product: Mortgage

- Tried to set up automatic payments online, unsuccessfully due to a software issue that the mortgage company experienced. 
- Tried 3 times to set up automatic pay on the phone as customer service walked me through. Customer service should be able to check on their end once I had completed the task to see if it was set up correctly - The only notification of whether or not it is correct was a letter in the mail. 
- I had received letters prior but never receive one the last time I tried to set up auto pay with customer service on the phone - It is set up correctly with the same exact bank account information on another loan I have with united wholesale mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me an found unverifiable, invalidated, inaccurate, and questionable items that were reporting on my credit report. i reported these items to your agency over 30 days ago to ensure that these items were reporting 100 % correctly by the credit bureaus. 

In accordance with the Fair Credit Reporting Act, everything has to 100 % accurate on my credit report and Under 15 U.S Code 1681a ( b ) and15 U.S Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts previously disputed as being inaccurate were properly investigated and came back verified., However, how's this true when there are still inaccuracies on my report? 

As a consumer, I request to know the steps your agency took to inure these items XXXX % accurate under 15 U.S.C 1681 ( 7 ) Method of verification Description of reinvestigation procedure. 

RESOLUTION : As a consumer by law my credit report must be 100 % accurate immediately by the credit reporting agencies and or deleting the accounts listed in the previous dispute and also this letter. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account info Account name XXXX  XXXX Account number XXXX Account name XXXX/XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/2022 Reference number : XXXX Court : US BKPT CT XXXX XXXXXXXX Bankruptcy XXXX XXXX Filed on XX/XX/2022 XXXX number : XXXX Court : XXXX XXXX CT XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account numbers 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. states a consumer reporting agency can not furnish a account without my written instructions I previously received an update, stating the account has been deleted, but of late i still see it in my credit report. I need this removed and never placed there anymore. 
I have attached proof stating it was deleted.