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

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX XXXX 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 Account XXXX : XXXX Please remove it from my credit report. 
6. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX. 
Please remove it from my credit report 7. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 12. XXXX Account XXXX : XXXX Please remove it from my credit report 13. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 14XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report 15. XXXX  Date Of XXXX : XX/XX/year> XXXX. XXXX XXXX XXXX  Date Of Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX  Date Of XXXX 15 U.S.C 1681 Section 602 A. States any consumer has 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 prior consumer 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Account Number # XXXX I am writing to formally dispute the above-referenced account in my credit report, which has been reported as Verified. I firmly believe that the account is inaccurate and requires immediate investigation and deletion, if necessary, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have requested that the send me of they were able to verify that this account belongs to me, and how it was accurate. The bureaus XXXX, Transunion, and XXXX have yet to deliver the information that I requested. 


As per the FCRA, 15 U.S.C. 1681i, the credit reporting agencies have the obligation to conduct a reasonable investigation into the disputed information within 30 days of receiving the dispute. Additionally, under the FDCPA, 15 U.S.C. 1692g, I have the right to request validation of the debt, which should include verification of the original creditor, the amount owed, and the date the debt was incurred.

This debt is not mine and I have no contract with this company, and they have not provided any proof.
Product: Credit reporting or other personal consumer reports

My account with 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 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. 

This company 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

I had a XXXX credit card with XXXX XXXX In some kind of way my information was sold to Marcus Goldman Sachs. They repeatedly called me asking for payment when I didn't sign a contract with them or consent for them to have my private information. They also are reporting late payments when according to 15 USC 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 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. This creditor consistently violates my consumer rights and, under the FDCPA, is considered a debt collector. They are furnishing a deceptive form to deceive me into thinking I owe a debt when in fact, I do not. I didn't borrow anything from them pursuant to 12 USC 83 as a bank can not loan its own stock and 18 USC 8 that all debt is the obligation of the United States. A debt validation letter is also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Navient, This is not a duplicate do not mark it as such, this is a complaint on your buthering of my credit reports. 
In response to CFPB Complaint XXXX The payment history for the accounts listed in the dispute are not and were not accurate. You word means nothing Navient. Among other things, the CFPB alleges that since at least XX/XX/2010, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for a personal loan from One main financial and they add car insurance to the loan that add to more money for me to pay month in which is hard for me to pay monthly. I am always late and hit with late payments try to catch up and pay id creating a herd time for me. I have this loan for a year and a half and if never seems to go down I am constantly paying mor and more a month.
Product: Debt collection

Keep call me about debt when high interest rates, call my job. keep. call my cell phone every other day.i 'm getting sick and tired of them.
Product: Credit card or prepaid card

See attatched XX/XX/XXXX statement. see attatched USAA FRAUD LETTER OF UNAUTHORIZED {$470.00} temporary credits 10 TEN MONTHS AFTER FRAUD XX/XX/XXXX REPORTED XX/XX/XXXX. Kindly Note. THERE ARE NO USAA TEMPORARY USAA CREDITS TO REMAIN PERMANET XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX During a recent review of my credit report, I found several fraudulent accounts. Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( b ), I request that you delete these entries from my XXXX as they are preventing me from getting credit. I do not know these accounts.
Product: Debt collection

Account paid in full, debt collector does not want to confirm XXXX balance with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told in XXXX 2017 that I could not open a bank account because ChexSystems had an account lock for some reason against me. I just turned XXXX and I have never had credit or any kind of loan or other bank account, so there must be some kind of fraud going on. 

I immediately contacted ChexSystems and asked for a full report about what the reason was for the account lock, and they sent me some information in the mail that did not have any specific information as to why they locked my ability to open a bank account. 

I called them back and they would not answer any specific questions over the phone, but said I could file for another paper copy of my report again. I already did this and they gave me no information. I 'm going around in circles and they are giving me ZERO information about how to find out what is on the ChexSystems report under my name and personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is It's not updating my credit reports activity I have restoutlined numberestart to the XXXX XXXX XXXX  and maybe fuse to correct the mistakes which is making it hard for me to establish credit and to get the assistance that is needed during these rough times I have no other option button reach out to the consumer protection bureau and hopes that they can reach out to TransUnion to correct this so that way I may be able to able to sufficiently provide for my family and my family and retrieve the help that is so desperate needed at this time
Product: Credit reporting or other personal consumer reports

This is my MULTIPLE 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX  NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX* Balance Owed : {$25000.00} ; XXXX XXXX XXXX  Balance Owed : {$5000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing a file complaint against Navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged overdraft fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB Findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I have filed several disputes with Experian regarding their arbitrary reduction of my credit score based on information they have been reporting for several years. They reduced my credit score by XXXX points. After closing the dispute their website has a link to enter a consumer statement but it brings you your credit report but no way to enter a statement. Also, there is no way to enter a General Consumer statement on the site. It seems Experian has made it purposely difficult for consumers to explain errors or unfair credit reporting practices in defense of damaging information published. This is the XXXX time I have complained about this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.
Product: Mortgage

I AM A XXXX VETERAN. I AM WRITEING THIS LETTER BECAUSE BANK OF AMERICA HAS ILLEGALLY MERGED XXXX DIFFENT EQUITY LINES OF CREDIT ON A HOUSE UP FOR SHORT SALE AND XXXX THE EQUITY LINES OF CREDIT BELONGS ENTIRELY ON A DIIFRENT HOUSE ONLY RELATION IS THEY BOTH HAVE IS THEY BOTH ARE OWNED BY BOA. THE LESSER AMOUNT IS ON XXXX XXXX XXXX XXXX, MICHIGAN XXXX. THE HOUSE GOING TO SHORT SALE BECAUSE ITS EQUITY LINE IS IN DEFAULT BECAUSE IT IS XXXX NOW {$65000.00} UPSIDE DOWN IS IS XXXX XXXX XXXX MICHIGAN XXXX. 
BANKS HAVE THAT MUCH POWER NOW. WOW. 
PLEASE HAVE THEM CORRECT THE PROBLEM.. THEY HAVE IT IN THEIR RECORDS THAT THE LESSER LOAN THAT IS NOT IN DEFALUT BELONGS TO A TOTALLY DIFFERENT ADDRESS WHICH IS XXXX XXXX XXXX, XXXX, MICHIGAN I HAVE JUMPED OVER LOOPS TRYING TO SAVE MY HOUSE/ RENTAL PROPERTY WITH A BALLOON PAYMENT HOME EQUITY THAT IS XXXX UPSIDE DOWN. THEN THEY FORCED ME TO CHOSE BETWEEN SHORT SALE OR FORECLOSURE. I CHOSE SHORT SALE BECAUSE I DON.T WANT TO FILE BANKRUPTCY. I PAY MY BILLS. I HAD TO FIND THE REALTOR AND THE BUYER. THE BUYER IS ABLE TO BUY IT ON PENNIES ON THE DOLLAR AND I GOING TO RECIEVE A XXXX I HAVE TO CLAIM IT AS EARNED INCOME. AS MUCH AS IT HURTS.AND AS EMOTIOAL DRAINING AS IT HAS BEEN, I DID IT. NOW I FEEL I HAVE BEEN WRONGED AGAIN. I HAVE A FAMILY HOME THAT WE JUST LET FAMILY LIVE IN FOR FREE XXXX XXXX, XXXX, MI XXXX IT HAS A SMALL LINE OF CREDIT OF {$7000.00} I ESTABLISHED WITH XXXX WHEN I WAS AROUND XXXX OR XXXX YEARS OF AGE. I AM NOW XXXX. THE ACCT NUMBER ON XXXX XXXX HAS CHANGE SEVERAL TIMES THROUGH BANKS. 1 ST WAS WHEN XXXX PURCHASED IT FROM XXXX, 2ND WAS THEN BANK OF AMERICA PURCHASED IT FROM XXXX BANK. 3RD TIME WAS WHEN BOA WAS CHANGING ALL THERE ACCOUNTS IN 2007 THE ACCOUNT CHANGED AGAIN. XXXX XXXX ACCOUNT HAD XXXX ACCT NUMBERS THIS ACCOUNT IS SO OLD IT IS GRANDFATHER IN TO BEING A FOREVER REVOLVING LINE OF CREDIT. NOW BANK OF AMERICA IS TRYING TO TAKE XXXX OF MY HOUSES FOR THE PRICE OF XXXX. PREVENTING THE SHORT I AM UNABLE TO SHOW PROOF OF THE PAPER WORK BECAUSE MY HOUSE HAD A HOUSE FIRE AND I STORING A LOT OF MY PAPERWORK IN THE BASEMENT. SO I AM UNABLE TO PROVIDE THE INFORMATION FROM NEARLY 25 YEARS AGO. BUT IT IS HARD FOR ME TO BELIEVE THE HOUSE WHICH IS TO BE SHORT SALE ; XXXX XXXX XXXX MICHIGAN HAS MYSTERIOUSLY GOT A XXXX MORTAGE OF AN ENTIRE OTHER HOUSE XXXX XXXX XXXX MICHIGAN IS UBELIEVABLE. THIS IS WHY I GOT A LAWYER. IT WAS JUST THE WRONG ONE AND I CA N'T AFFORD ANOTHER ONE. THIS IS WHAT THE BANKS ARE DOING TO XXXX PEOPLE. THE BUYER WHO IS READY TO FLEA, I AM STILL RESPONSIBLE FOR THE WATER BILL AND TAXES. IT 'S JUST TOO MUCH. I HAVE JUMPED OVER LOOPS TRYING TO SAVE MY HOUSE/ RENTAL PROPERTY WITH A BALLOON PAYMENT HOME EQUITY THAT IS XXXX UPSIDE DOWN.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights. 

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Checking or savings account

BMO HARRIS BANK at Address : XXXX XXXX XXXX, XXXX, IL XXXX had a promotion for {$500.00} to {$550.00} if direct deposits totaled at least {$7500.00} or more within the 1st 90 days of opening. BMO is scammed me and refusing the payout the correct bonus based on the depots amount. I was told the issue was getting worked and the bank who sits on the first office on the left hand side told me it would be deposited quickly but that was a lie. They are scamming customers and i fell victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint, dated XX/XX/year>. I'm now requesting an investigation into this account and an immediate update of these payments to " paid on time. '' Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I filed a complaint against Equifax for violating my rights to privacy in XXXX of 2023. 

They are furnishing my credit use nad late payments on my Consumer Report after I formally opted out of said reporting. 

Due to this violation of my privacy, It's becoming difficult to obtain new credit.
Product: Checking or savings account

I have proof according to their website of deposits in total of {$110000.00}, yet only XXXX is showing in my portfolio.
Product: Mortgage

I had a loan with Dovenmuehle Mortgage Company XXXX XXXX of XXXX XXXX in XXXX and XXXX. 
On XX/XX/XXXX I called them asking for the 1098 's for this property for those two years. They said it would take a month. I waited a month with no reply. I called again and they said they would mail them out. Nothing. I called again. Nothing. I sent a certified letter to Mr. Dovenmuehle and recieved a form letter stating the Research department will make an effort within the time alloted by the law. I've told them this is for an IRS audit. They dont care. This company refuses to respond or give any kind of customer service other than lying that they have helped out.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Since you have assumed the role of reporting this information to my consumer report without my consent, by law you are required to report accurate information to my consumer report, with regard to my confidentiality as a consumer.

Please provide in detail the procedures that were used in order to validate NOT verify these alleged accounts. If you are unable to do so, these alleged accounts must be
removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, it is not only detrimental to me as a consumer, but an invasion of my privacy. The reporting of these alleged accounts are a defamation of character, and bears negatively on my reputation and mode of living as a consumer. It is unlaw to report any alleged information to my consumer report, as information that have not been validated is identity theft and an act of constructive fraud. So these accounts must be removed immediately. Under the FCRA, and the Gramm-Leach-Blilely Act I have the right to opt out of any reporting of
information to my credit report. As written by congress the failure to comply with the removal of these alleged accounts makes you liable under section 1692k of title 15 and 1681n of title 15.

So as a consumer I am demanding that the following accounts be removed within 4 business days after the receipt of this complaint. As by law notice is taken place at the receipt of of this complaint. As a consumer I also do not consent to any of these accounts being put into dispute for any reason, as the violations said in this complaint are clear. If you fail to comply I will go to my Attorney General for further action. Please also do not try to contest this complaint by saying this was sent by a 3rd party or
by someone else. You tried that when I initially communicated with you directly and this is why I moved to file a complaint with the CFPB. I am consumer who knows her rights, and did not give any consent to these alleged accounts to be included in my consumer report, and I am opting out of the reporting of these alleged accounts.

The following accounts need to be removed : XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX I also attached a identity theft report because your company has stolen my identity, and I did not give your company any consent to include any of these alleged accounts above to my consumer report. NO CONSENT IS IDENTITY THEFT.