23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I File a identity report XXXX XXXX XXXX at XXXX XXXX XXXX. The Equifax did not block the information and share copy of the information I sent them to creditor. which was copy social security card, driver license and the police report which is regulated by law. Secondary Dissemination of any kind is Prohibited and stamp on the police report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX - XXXX, DPT ED/AIDV - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

OVER THE LAST 4 MONTHS I HAVE SENT OVER FAX AND EMAIL TO EQUIFAX AND GOT NO WHERE IM IN THE MIDDLE OF BUYNG A HOUSE SENT OVER 18 PAGES OF DOCUMENTS LIKE DRIVER LICSE AND SOCIAL SEC CARD AS WELL PRVE ITS ME WITH MY CREDIT CARDS AND XXXX  I DO HAVE CREDIT W XXXX  AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing my credit report, XXXX and XXXX, I found numerous instances of collection companies not licensed in my state, trying to collect and reporting on my credit file. I am a resident in Arkansas and have been for the last 4 years. I have also asked for validation of these debts from them 2 times, from XXXX and XXXX, and I have never recievced any documents from them verifying that the debt is in fact mine. XXXX has deleted these accounts from their report, stating that they could not verify them.
Product: Debt collection

LJ Ross Associates, Inc. contacted me regarding XXXX XXXX debt collection. Since XXXX XXXX I have agreed to pay in monthly installments for the account XXXX, located at XXXX XXXX XXXX XXXX , an apartment I had to leave due to non livable conditions and landlord neglect. I have since been making on time payments of {$110.00}, and completed 2 of the 5 payments. They told me they would be reporting back to the credit bureau positively that I am paying this debt as I make these payments. 

On my interaction for attempts to make the third payment, today XX/XX/XXXX after calling several times during the week at a different number provided initially without response, I was told I would need to pay the full remaining balance, or they will report negatively to the credit bureau, affecting my credit score. This is not what I was told, or lead to believe initially upon agreeing to do the monthly installments upon consumer good faith, and futhermore I am being essentially blackmailed/ strong armed into paying a full bill I can not afford to pay or they will report to the credit bureau . This is also during a time of lockdown, pandemic economic crisis, where state and federal government along with cooperation from NY XXXX has allowed for individuals to not have to pay their bill, or be threatened for negative recourse if by negative credit reporting or fees, if they can not afford to pay it from lack of work due to the current crisis. I am currently on unemployment, and working hard to find new work and LJ Ross is pushing me into economic hardships I can not afford to pay safely, while using reporting to the credit bureau negatively as undue and pandemic profiteering leverage. I need immediately for them to not be allowed to report to the credit bureau, and for the debt payment obligations to be put on hold as long as the original merchant XXXX XXXX is offering relief due to hardships during the lockdown.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid two collection accounts with National Enterprise Systems. I was told the collections would be deleted and the accounts would be marked " paid in full. '' Since I've paid they have updated the listings as charge offed accounts, as though the delinquency has been re reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

MEDICAL BUSINESS BUREA Is reporting a {$960.00} medical collection on both my XXXX and XXXX credit report as a collection MEDICAL BUSINESS BUREA has failed to validate this collection with original contact with my signature a bill with the amount on it is not a contract I would like the collection removed immediately form both XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my frustration and concern regarding the unresolved issues on my credit file. Despite my initial attempt to dispute and rectify fraudulent items, the inaccuracies persist, necessitating this second formal complaint. 
I submitted a dispute letter outlining the fraudulent items on my credit report. Despite the passage of time, these inaccuracies have not been rectified, and my creditworthiness continues to be negatively impacted. 

I rechecked my credit report and noted that the fraudulent items remain unresolved. This repeated failure to address the issue is deeply concerning and has significant implications for my financial standing. 

I subsequently contacted your dispute resolution department to seek clarification and ensure a prompt resolution. Regrettably, the matter has not been satisfactorily addressed, and the inaccurate information persists on my credit file. 

I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit profile. The presence of fraudulent items not only harms my credit score but also undermines my ability to secure financial opportunities. 

I request that your institution conduct a thorough and expedited investigation into these matters. Specifically, I am seeking the removal of the fraudulent items detailed in my previous dispute letter. Additionally, I request a comprehensive and transparent report outlining the actions taken to address this issue and prevent its recurrence. 

Failure to resolve this matter promptly may compel me to escalate this complaint to regulatory authorities and explore legal avenues to safeguard my rights as a consumer. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$220.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a new vehicle from XXXX XXXX XXXX of XXXX XXXX on X/XX/2017. The morning I went into the dealership, I had talked with the sales manager XXXX XXXX and asked that they have the financing paperwork ready ahead of time as I had limited time Saturday morning and was just coming in to sign paperwork and begin the loan process. Nothing was ready except for the car. The sales manager ushered me into the Finance Mgr 's office and he began the process asking me to sign on an electronic pad connected to his computer, all the while not letting me see what I was signing nor read any of the documents. When I left the dealership, the Finance Mgr XXXX XXXX, comes running out to the car with a copy of all the paperwork sealed up in an envelope. When I got home and had a chance to take my time and parce through it, they had added on every insurance, every extended warranty, every life insurance, gap protection, you name it! to the tune of an additional {$7000.00} or so! I immediately notified Toyota Motor Credit Corp, the Sales Mgr, the Finance Mgr, the general manager but not one person has contacted me except the Sales Mgr who sent me an email stating they do n't redo paperwork. I am not an attorney but this seems to fly in the face if Truth-In-Lending laws! You must be able to read what you are agreeing to before you sign it.
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. 

Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXXccount number XXXX Account name : STATE OF MDXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account XXXX XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX  Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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

I WAS PREVIOUSLY EMPLOYED BY XXXX XXXX XXXX FROM XXXX UNTIL XXXX AS A XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNTIL XXXX AS AN XXXX XXXXXXXX FELLOW, XXXX XXXX AS A CLINICAL XXXX FELLOW FROM XXXX UNTIL XXXX, XXXX XXXX XXXX XXXX XXXX AS A XXXX FELLOW FROM XXXX UNTIL XXXX, AND XXXX AS A XXXX XXXX FROM XXXX UNTIL XXXX. I HAVE BEEN EMPLOYED WITH THE U.S. DEPARTMENT XXXX XXXX XXXX AS A XXXX SINCE XXXX UNTIL PRESENT. My credit report was inaccurate.
Product: Credit reporting or other personal consumer reports

I called each of these credit agencies ( Equifax, XXXX, XXXX XXXX and XXXX ) to get old addresses removed from my credit reports. Each of these agencies reported they are unwilling to remove my old addresses. My current address for the last XXXX years is XXXX XXXX XXXX XXXX, XXXX, MO, XXXX.
Product: Credit reporting or other personal consumer reports

I was on an active COVID-19 forbearance under the CARES Act from XX/XX/XXXX through XX/XX/XXXX. Prior to entering into the forbearance, my U.S. Bank mortgage was current. I was not required to make any payments during the forbearance period. 

On XX/XX/XXXX, I submitted a completed loss mitigation application. 

On XX/XX/XXXX, my XXXX credit score was XXXX. 

On XX/XX/XXXX, I received a certified letter from U.S. Bank regarding Notice of Default. The notice indicated that I was in default on my mortgage for failure to pay the monthly installments due. In order to cure this default of mortgage, U.S. Bank must receive funds in the amount of {$14000.00} The notice further indicated, We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report. 

Approximately on or about XX/XX/XXXX, I received notification that U.S. Bank reported my mortgage status for XXXX as a missed payment as they indicated in their XX/XX/XXXX, letter and my XXXX credit score dropped XXXX points from XXXX to XXXX. 

In XX/XX/XXXX, I requested a credit correction from U.S. Bank asking them to correct my XX/XX/XXXX credit reporting from a late status to a current status at all three ( XXXX ) credit bureaus, XXXX, XXXX and XXXX because I still had consumer reporting protections of the CARES Act after my forbearance ended. 

On XX/XX/XXXX, I received a letter from U.S. Banks Consumer Bureau Management stating, We received your dispute request related to your account. Based on our investigation, we have determined that the account information submitted by U.S. Bank to the consumer reporting agencies is accurate. The forbearance expired in XX/XX/XXXX and the account is not currently under credit protection. 

Based on the facts U.S. Banks determination outlined in their XX/XX/XXXX, letter, is inaccurate. The consumer reporting protections of the CARES Act continued to apply to the time period that I was covered by the forbearance after the forbearance ended on XX/XX/XXXX. U.S. Bank can not report a consumer that was reported as current pursuant to the CARES Act as delinquent based on the time period covered by the accommodation after the accommodation ended. U.S. Bank also can not advance the delinquency of a consumer that was maintained pursuant to the CARES Act based on the time period covered by the accommodation after the accommodation ends.
Product: Credit card or prepaid card

My ex husband apparently opened a card in my name as a secondary user. I have not used the card, did not agree to the card, and Capitol One won't take it off of my credit report and won't let me close it because I am not the " primary ''. 
I have been divorced for 7 years and do not want that card in my name or on my credit report. I have never seen the card, don't use it and once I paid it completely off 4 years ago in order to get a mortgage. 
I had to pay my ex husbands debt off ( I never used it and it wasn't my debt ) to get a mortgage! 
IT IS NOT MY CREDIT CARD AND I WANT IT REMOVED FROM MY ACCOUNT. 
Capitol One is acting in a fraudulent manner at this point. 
I have complained to them in person and through XXXX XXXX. 
HELP!
Product: Mortgage

I received a letter XXXX from Roundpoint stating I failed to maintain insurance. The letter was sent before the insurance renewal date. I have never let my homeowner insurance lap. The fear made me pay my policy earlier. Roundpoint doubled down on intimidation with a letter in XXXX. Roundpoint letter stated a more expensive insurance and credit hit was coming. Why did all this happen, my zip code?
Product: Debt collection

National Credit Adjusters continues to try and collect a discharged debt which is against law. The account is listed with 2 different agencies with inconsistent information which means this account has not been verified. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

XXXX capital one a charge off is on my account. 
XXXX a collection charge on my account
Product: Mortgage

I have been trying for over a year to obtain a loan modification from Wells Fargo without any success. I had previously filed for BK protection last year to save my home from a FCL sale ; however, my BK has been dismissed due to a problem with a creditor on a car loan for my wife for which I was listed as a co-signer. After struggling since XX/XX/XXXX after losing my job, I finally have a steady income and have satisfied my debts with the exception of my home. I fell in default of my mortgage due to a decrease of my income and caring for my elderly parents expenses ( who share my home with me and suffer from XXXX and XXXX XXXX. As of the most recent notice from Wells on XX/XX/XXXX, my total amount due is {>= $1,000,000}. My most recent payments to Wells have been returned and I resent the payments totaling {$3300.00} on XXXX XXXX, XXXX. With my families assistance and including the above referenced payments of {$3300.00}, I am able to contribute {$7100.00} which represents over XXXX % of my total outstanding balance. Last week I finally was able to reach Wells and I received my loan modification paperwork which I am completing and faxing to Wells on or before XXXX XXXX, XXXX. Therefore, I kindly request your assistance in securing a postponement of my FCL sale set for XXXX XXXX, XXXX, while I am considered for a loan modification/repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent inquiry on my credit report on Equifax, which ended up being rejected. Then I submitted another complaint, in which Equifax said they looked into the matter and it was yet again rejected. This was about a fraudulent XXXX XXXX inquiry on XX/XX/XXXX on my credit report. XXXX  XXXX has confirmed that it was in fact fraudulent and they send me a letter confirming that they have reported the fraudulent activity to all 3 credit bureaus. Equifax did not remove the inquiry. I submitted a complaint on the CFPB. on XX/XX/XXXX, Equifax responded that a letter was sent to my address with their response. I have not received the decision to their " investigation '' and would like one as soon as possible. Both XXXX and XXXX  have removed the fraudulent inquiry because XXXX XXXX has informed them. I called Equifax and everyone literally hangs up on me. I don't know what else to do but to go to a small claims court. These complaints are my documentation that I have done my due diligence and have given Equifax ample time to respond to my dispute. I have a letter from XXXX  XXXX that was sent to me attached, indicating that they have investigated the fraudulent inquiry and have informed the credit reporting agencies of the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I XXXX XXXX got arrested and I did 2 years in XXXX XXXX XXXX XXXX. When i was released XX/XX/XXXX I applied for housing and was denied due to fraudulent accounts on my credit. Please do your due diligence and verify this account. I am requesting verification that you must show me according to the FCRA that this is a valid debt of mine. I have never had XXXX XXXX in my name. I am requesting that your company verify with XXXX XXXX XXXXl that I was XXXXXXXX in their facility at the time this account was opened and remove from my credit files asap!!!
Product: Credit card or prepaid card

I contacted XXXX regarding an acoount in my name that was fraud.I was sent an affidavit and I signed.I was told the accout was resolved.Now I have a clooection company contacting me regarding a balance never made and this impact my credit
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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 p
ayment 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Mortgage

Rushmore Loan Management Services is the mortgage servicing company on a mortgage secured by property in XXXX, NC which property was damaged by Hurricane Florence in XX/XX/XXXX. Insurance proceeds in the amount of {$200000.00} were delivered to Rushmore of which {$36000.00} have been disbursed to the general contractor.On XX/XX/XXXX I requested a check in the amount of {$15000.00} by email payable to me and the contractor who lifted the house. XXXX is the person assigned to the claim by Rushmore.When I last spoke with her on XXXX XXXX she said the check had been requested. The check has not been received and the contractor has demanded payment as they have done the work. It is my belief that Rushmore intentionally slow walks payments so that they can benefit from the float.I have called the CEO, XXXX XXXX as well as XXXX XXXX, the VP but neither was available.. I requested a call back and advised the receptionist of the urgency of the payment as the contractor will not lower the house on to its foundation if not paid. The house is in jeopardy if another hurricane strikes the area as it is elevated and not on its foundation. I need the $ XXXX.draw from MY insurance proceeds and I need it now. Telephone :.