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

My account with 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 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 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

This complaint is in reference to XXXXXXXX XXXX  with account number - XXXX. 

This account is reporting with a balance of {$3500.00}. I have provided a copy of a letter PROVING that this debt has been sold to a 3rd party debt collector. This account is therefore inaccurate and illegal to report since the debt was sold to another company and needs to removed immediately.

This account is also reporting that the debt was Charged off in every month since XX/XX/XXXX and XXXX XXXX. This is fraudulent, inaccurate and incomplete reporting. This account Violates my right to 100 % accurate and verifiable reporting on my credit report and needs to be DELETED immediately.
Product: Mortgage

I applied for a mortgage loan from US Bank. I was pre-approved with a XXXX XXXX of XXXX and income over {$150000.00} per year. At the last minute, after XXXX extensions, my loan was declined due to litigation against the HOA of the property I was purchasing. When I received my denial letter, it stated I was denied due to my income and credit report. They even included the credit report of XXXX with the denial ... .. I have been requesting a letter for the correct denial since XXXX/XXXX/XXXX. US Bank will not send me a correction. I am in need a correct letter to file suit against the realtors and owner of the property.
Product: Debt collection

This is not mine was opened in my name not by me and this should be taken off my credit thank you
Product: Credit reporting or other personal consumer reports

Subject : Illegal Student Loan Reporting & Collections Following XXXX XXXX XXXX  Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], XXXX, XXXX, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX XXXX XXXX XXXX 
# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the XXXX XXXX XXXX.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to serve as notice that the fraudulent information, accounts, inquires, and collections on the credit report This is considered identity theft based on 15 U.S.C. 1681c-2 and needs to be removed immediately. You have 4 days from receipt of this certified letter. Based on 15 USC 1681b all of these companies have fraudulently added information to the credit report without my written consent. Which we know is a direct violation of 15 USC 1681c and fcra. Also according to 26 USC 166 a charge off is taxable and considered to be income so can NOT be put on the credit report and needs to be removed immediately. Also any derogatory items and remarks are not allowed and are also in direct violation. 
The accounts : XXXX XXXX charge off XXXX XXXX charge off XXXXXXXX XXXX XXXX XXXXXXXX Inquires : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX All need to be removed from the credit report immediately, as I have the right to privacy per the FCRA and the Privacy Act of 1974. I also have the right to opt out per 1016. ( h ) states I have the right to opt out at anytime and ( g ) states that you MUST comply. Failure to respond satisfactorily within 4 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I sent a letter to you on XX/XX/2023. Its been more than30 days since I contacted you, and still have not heard back from you. 

So, in accordance with the fair credit reporting act convergent accounts that is listed in the letter, 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 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

I recently checked my credit report and noticed unauthorized inquiries on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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
Product: Credit card

On XXXX XXXX 2015 my father died. Consequently I incurred a lot of funeral and death related expenses. I paid {$5500.00} on my account. An error was made and Citibank tried to retrieve {$6500.00} and my bank said there were " insufficiant funds ''. Citibank did not inform me immediately of this and tried to retrieve the {$6500.00} two more times. Again NEVER informing me via email or otherwise that my bank had not paid. On XXXX XXXX I realized the error and Citibank told me to pay. I immediateIy paid {$12000.00} on XXXX XXXX, 2015 ( clear XXXX ) and a further {$3500.00} on XXXX XXXX, thus paying off my ENTIRE balance. I was originally told that I would be able to use my credit card once I made the payment and did everything they told me to do. please note that I was NEVER behind on a payment, my intention was to simply pay down the balance. 

Citibank unjustly closed my account based on what is clearly an error, and clearly their error. Their letter ( attached ) states it was closed after several " mulitiple returned payments ''. yet there was only XXXX payment returned and they failed to immediately inform me. ( I had signed up for electronic alerts ). This has caused a snowball effect : I no longer have any credit cards ( this was my only credit card ) and they have unfairly reported this to credit agencies saying my account was closed due to unpaid balance. This is completely unfair and I believe illegal because I 've NEVER EVER had any unpaid balances or late payments with Citibank. 

I would also like to point out that Citibank failed in their duty to protect and help me as a traveller. In fact, when I was made aware of the returned payment problem, i was in XXXX XXXX DURING THE TERRORIST ATTACKS. I had purchased my ticket using my Citibank XXXX Mastercard that had travellers ' protection. They closed my account while I was stranded in XXXX during the terrorist attacks that occurred XXXX XXXX 2015 and Citibank closed my account and would not help me. I would also say they took advantage my father 's recent death because they knew that the expenses incurred were primarily from the funeral. ( see Citibank statement XXXX XXXX XXXX funeral home. Also note that expense there after, housecleaning, flowers, etc are all linked to my dad 's funeral ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding case # :  XXXX  The above matter show 's the wanton and willful deception of  XXXX   XXXX   XXXX . They state the following : "  XXXX  advised the borrower [ your, truly ] that educational loan debt is not dischargeable through bankruptcy. '' NOT TRUE,  XXXX   XXXX   XXXX  ... .and you know it ...     I would have to open what is known as an adversarial proceeding, and the standard is that I have to prove several things according to the so-called "  XXXX  test '' ( look it up  ) . But, you tell that lie to the poor and minorities ( like myself ), and in so doing you perpetuate a lie that student loans are not dischargeable through bankruptcy proceedings with the intent to give the WRONG impression that they can never be  XXXX  at all. IF IT WERE N'T TRUE, THEN I COULD N'T FILE AN ADVERSARIAL PROCEEDING ...     I think your deception is at the root of why the CFPB has a major lawsuit against you for your incipient corruption and misleading of the consumer borrower. And, boy, do you mislead.     The fact of the matter remains that I was told that by an entity connected directly to you that all prior negative notations on my account would be deleted when the loans were rehabilitated.     The fact of the matter is that you are not " required '' by the FCRA to report negative past history, but you may, if the information is accurate. Do n't try to mislead -- - yet again -- - with that wrong impression ; I 'm not buying it.     But, in this particular instance, I am only holding to you to the standard that your own representatives  (  or authorized third party ) told me.     Ultimately, I will probably have to file an adversarial proceeding and pursue the matter that way. The likelihood that you are going to ever be fully repaid by a  XXXX  male, in his middle  XXXX  's, with no college degree, and who owes over $  XXXX , when he borrowed not even half that much is, well ... .you tell me.     HAPPY  XXXX ,  XXXX   XXXX   XXXX .   Go get'em CFPB.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im writing you to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) 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 that XXXXXXXX XXXX AND XXXX, XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXXXXXX XXXX Credit Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never paid late in XX/XX/XXXX and XX/XX/XXXX on my XXXX XXXX Account. However there are multiple inaccuracies when I recently checked my credit reports across all three bureaus. On my most recent XXXX credit report, it states that I was late in XX/XX/XXXX and XX/XX/XXXX. It also states my status as current and paid as agreed. It does not state that i was past due nor have I ever paid late on those months. It also states that my most recent payment was XX/XX/XXXX. On my most recent Experian credit report, it states that I am current but also states that I was late on XX/XX/XXXX and XX/XX/XXXX. Then on my most recent XXXX report, it shows that I was on time in XX/XX/XXXX but 60 days late in XX/XX/XXXX. How can I be 30 days late on two credit reports and current on another credit report. How can I be current on one credit report yet the next month is 60 days late when there is no evidence of being 30 days late. How can I be current and past due on the same report? Please explain to me where you are getting this information from as these are all inaccuracies on my credit file for this XXXX XXXX account. As the credit bureau reporting this information, it is your responsibility to ensure maximum possible accuracy, which you have not. I have a right to fair and accurate credit as protected by the FCRA and you have violated my rights by continuing to report blatant inaccuracies across my credit files.
Product: Mortgage

Beginning in XX/XX/year> I was diagnosed as being XXXX which affected our income tremendously. Before I was diagnosed we had a perfect record of making the mortgage payment on time and never missed a payment. We exhausted all means of our finances including maxing out credit cards. We reached out the Shellpoint Mortgage to seek help in getting back on track after a month of not being able to pay. They gave us forebearance for 6 months. Then when the forebearance period was up the only program that was offered to us was a modification of the loan. XXXX XXXX was our point of contact. She proceeds to tell us after getting documents sent to her that we were approved but the payments would be {$240000.00} which is much higher than our past payment of {$1400.00}, We were told that we will have a trial period of three months to pay {$2400.00} and then we would have to make that payment or it could change to a higher payment for the remaining years of the loan which is 27 years. We explained to XXXX XXXX than we would not be able to afford that kind of payment and her reply was we can pay {$11000.00} to catch up the loan and stay with the previous payment of {$1400.00} or make the trial payments of {$2400.00} and it was not negotiable. We went to our mortgage consultant and he advised us that this was not a true modification. We reached out to XXXX XXXX and our consultant talked to her to let her know that this is not a true modification and there was no way we could afford the payments they were asking for. XXXX XXXX told him that it is not negotiable. We then asked to speak to a supervisor and she contacted someone named XXXX. Our consultant spoke with XXXX and he proceeded to tell her how what they were asking is not a part of a true modification. XXXX proceeded to tell him that it is was not negotiable either take it or leave it. We thought it was handled very unprofessional and really down right rude. We feel like they are not trying to help us at all. We would like to have payments that we can afford in order to keep our home.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Futhermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file no. 2025-CFPB-0002 ) against them for similar violations. I kindly request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. Thank you! 

Please look into these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Experian Disputes Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Reporting on Credit File Dear Experian, I am writing to formally dispute inaccurate information on my credit report as of [ date of report ]. Specifically, I am disputing the following account : Creditor Name : XXXX XXXX XXXX Account Status : Open with Charge-Off Balance : {$2800.00} I did not make any statements or agreements as claimed, and I contest the accuracy of the reported information. The reporting reflects inconsistent and inaccurate details that could mislead potential creditors, including : Incorrect Address : Address listed : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I have never resided at or been associated with this address. Please remove it from my credit file and update my file with the correct address : XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX. 

The account status is marked " Open '' while reflecting a " Charge-Off, '' which is contradictory. 
I have no record of agreeing to or making any statement attributed to this account. 
Please investigate and verify the account details with the creditor. If the creditor can not substantiate their claims with valid evidence, I request the immediate removal or correction of the account from my credit report. 
Enclosed are copies of [ any supporting documents, if available ] for your reference. 
I expect a response within the 30-day period as required by the Fair Credit Reporting Act ( FCRA ). Please send written confirmation of the results of your investigation to the address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

5/3 bank jerked me around on a short sale on my home. They took much longer then promised and caused the buyer to walk. They then offered me a deed-in-lieu. I signed all the paperwork, appraisal was done and received by me stating to go ahead with the deed-in-lieu. Asked for an update in XXXX and was told that it was awaiting HUD approval or denial. Got told yesterday that they had closed my file on XXXX XXXX with no resolution from HUD.
Product: Credit reporting or other personal consumer reports

In reviewing the attached credit bureau report issued by 3 BUREAUS, I have discovered an error. The following accounts are reported inaccurately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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: Checking or savings account

Bank of America claim # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX I have put in multiple claims to get my money back that was stolen out of my account! I have explained to bank of America numerous times that I lost my phone and someone that lived in the same area as me found it and was able to change all of my I formation on my XXXX account and get a card issued to their address in my name and collected the money from the claims above. I did after about a year of fighting with XXXX get back into my account and was able to see that the person who stole my money lived in the same neighborhood as I did and was using the same bank as I was before they stole my money! I have reported a fraud report to edd! And I have never changed my address to the address of the person who stole my money via the USPS. I have not reported this to the police as I'm afraid they were gang members and am in fear of retaliation! I have told Bank of America numerous times that I did not give anyone authorization to use my card at any time! My information was stolen only XXXX time by XXXX person and as a result they were all XXXX to take all of the money above in the claims that I have put in to Bank of America!