23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and found in accurate reporting regarding account Ally Financial ( ALLYFINCL ) beginning with account # XXXX. According to 15 U.S. Code 1681e whenever a consumer reporting agency it shall follow reasonable procedure 's to assure accuracy of the information concerning the individual about whom the report relates. There are discrepancies across all three reporting agencies as shown on the attached screen shot, so therefore I would like this account removed from my reports. These inaccuracies are affecting my credit worthiness.
Product: Mortgage

in violations of the federal governmental housing regulations per the home loan mortgage foreclosure procedures by law the bank first legal step was to file and have me served with a NOTICE OF DEFAULT in missing payments of the mortgage loan in a non judicial filing the notice of default should have been filed with the XXXX recorder office where my real estate property is located per a judicial court foreclosure filing the XXXX court should have served me with a court complaint with a case number concerning the notice of default as the homeowner legal rights by law to payoff the total default loan amount and stop the the bank foreclosure process and this procedure by law should have only been taken AFTER the bank made all legal efforts to modify the mortgage loan for refinancing AS THE BANK DID NOT COMPLY AS TO BE IN COMPLIANCE WITH THE XXXX STATE AND FEDERAL AGENCIES LAWS BEFORE EXECUTED AN IMPROPER HOMEOWNER 'S FORECLOSURE EVICTION thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

To whom it may concern, I filed bankruptcy in XX/XX/year> and it is still showing on my credit report. I would like this removed it has been more than 10 years. I have also been paying my mortgage on time and did not reaffirm so this is not reporting either.

Please help me Resolve these issues and increase my credit score. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

Hello CFPB : This complaint is against Provident Funding of XXXX XXXX, CA. We had a home mortgage with XXXX but at one point this past fall they sold the loan to Provident. We had the mortgage bill on automatic payment from our checking account ( screen print attached ). The loan transfer was evidently not a change that we initiated and, among many other bills and with a busy family life, it took us a while to change the automatic payment information in our checking account but never missed a payment. When we found out about the transfer we called XXXX  and they assured us that we have some time to make the transition and they will forward the payments to Provident meanwhile. The XX/XX/XXXX-due payment, that still went out to XXXX, was eventually returned to our checking account however and not forwarded. We called Provident right away to say that we're rescheduling it to be sent to them and all so going forward. Their representative acknowledged that, informed us of the actual payment amount going forward ( which was actually smaller than our bill with the prev. lender ), and confirmed that we have until XX/XX/XXXX with the standard 2-week grace period. Against that phone conversation, Provident sent us a dismaying letter of default dated XX/XX/XXXX( no longer having it ), to which we responded on XX/XX/XXXX ( doc file attached ). The non-forwarded XX/XX/XXXXpayment had been re-made as discussed and all further payments have been made on time ( Provident screen print attached ). To add to the harassment, Provident now sends us a late fee charge of {$67.00} ( bill attached ). As a last resort we are asking that you please review the above and deny this charge. We further ask that you consider penalizing this lender 's aggressive practices, for a fair treatment of other customers. Thank you for letting us know.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXXccount # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account 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
Product: Debt collection

XX/XX/year>, I ordered a phone with XXXX. 

I didnt sign for the phone and postage was left saying I missed a delivery. 

The next day the phone was left. 

I returned the phone VIA XXXX the next day. I never used, open or activated the phone. 


XXXX billed me. I went to the store and clarified the issue. They said they fixed it. 

Months later I get credit notice saying I owe {$490.00}. I dispute it. It gets erased. 

Now every six months it reappears under a different debt collector state from Credit Resource Management.
Product: Credit reporting or other personal consumer reports

Experian is refusing to comply with the proper process to remove information from my credit report that does not belong to me. I sent in all of the information and documents required by law and they are trying to make their own rules.

There is a fraudulent account reporting to my credit report by a company by the name of XXXX XXXX. 

I have never heard of this company before. I have never heard from this company before. I have never communicated with this company. 

However, after submitting the proper documents to Experian, they are trying to keep this damaging information on my credit report instead of removing it. 

I have suffered enough damages by Experian allowing this company to put this on my credit report and the account does NOT belong to me. 

The USPS Tracking number XXXX shows that Experian received all of the required documents on XX/XX/XXXX. Today is the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ not to my knowledge inquiry ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry I recently received a copy of my three credit reports from Experian, XXXX  and XXXX. The credit report showed a credit inquiry by XXXX XXXX XXXX XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank by phone to close my secured credit card account but by no means should they have run a credit check just to close my secured credit card account. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail to XXXX XXXX because I need their prompt response to this issue but I have not received any responses. Please be so kind to have this unauthorized inquiry removed. 
I am closing all my accounts with the bank next month ( XX/XX/2018 ) and will no longer be doing business with them. I am going to file a police report for identity theft as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not removing a fraudulent account from my credit report. I was sent into collections by XXXX XXXX for a debt I do not owe and after it was removed once, 5 years later it is back on. Experian removed it 4 years ago, and is not removing it this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

HONDA FINANCIAL SERVICES REPORTED LATE PAYMENTS TO MY ACCOUNTS FOR THE MONTHS OF XX/XX/2019 AND XX/XX/2019 BUT THE ACCOUNT WAS NOT LATE. THERE WAS AN ERROR WITH THE PROCESSING OF THE PAYMENT THAT WAS NOT MY FAULT.
Product: Debt collection

A person named XXXX XXXX called XXXX XXXX, XXXX at XXXX PST and left a voice message that he was representing a company named Legal Claim Services with the County of XXXX  regarding a judgement that is in process filed by XXXX XXXX  XXXX XXXX He mentioned he would be dropping off legal documentation next Thursday, XX/XX/XXXX and that I needed to call XXXX XXXX at XXXX. I called her and she said my wife, XXXX owed {$12000.00} to XXXX XXXX XXXX  Master Card that defaulted in XXXX and that the company had filed a judgement within the 3 year period allowed. When I asked her for specific debt information she told me XXXX and hung up. I called back and she hung up again. I called a third time and she said if I was not interested in making a payment arrangement she had nothing more to say. I again asked for creditor information and she said she didn't have to provide specifics and called me a " liar '' and a " cheat '' and hung up again.
Product: Payday loan, title loan, or personal loan

Ive recently been made aware of consumer law and the violations that have been made against me. As a result of this im LEARNING how to undue all the damage that has been done over the years. One of these companies in violation of TILA and CFPB requirements is CREDIT ACCEPTANCE CORPERATION. i will attach all files needed. This company has not clearly and inconspicuously made clear to me if the amount was paid at purchase and if not and is to be credited in installments they also have not made it CLEAR the steps for me to take in which they will accept the payment coupon theyve sent to me numerous times along with asking for ADDITIONAL payment. I have tried to work it out with the company with a written notice AND affidavit of truth sent via certified mail. As i use the tracking number on the mail sent i can see that it has not been picked up and has repeatedly been avoided. I am excersing my right to express i see billing errors and want to dispute the amount since they are not being CLEAR to me what the amount is who the creditor is who the lender is when has it been paid and how can i properly endorse the coupon they send to me monthly. Also the company has not sent a statement or any mail since XX/XX/ it is now XX/XX/ at the time of this complaint and although they do not send statements monthly as required, they repeatedly call me asking to pay a debt. 

The law codes for the violations that have been spotted are found under : 15 USC 1026.10 15 usc 1026.13 ( a ) ( 2 ) 4 and 7 15 USC 1605 determination of finance charge The latter violation is the biggest violation as it leads to other violations on the fals narritive that this has not already been paid for pursuant to 15 usc 1605 And the final violation spotted 15 usc 1666b Constantly reporting late payments.

The law codes that describe the fines for violations are found under 15 usc 1681m I understand that the CFPB has a process and a way of handling these complaints and as the consumer that is learning how to handle the violations i ask that you instruct me of any additional information for confirmation or investigation that you need from me. I will gladly cooperate with the CFPB on any information gathering reguarding this complaint. 

I am aware of the fines for each violation being in between {$100.00} and {$1000.00}, no more no less. And i want the full {$100.00} per violation. I have a statement marked with the billing errors per violation. 

Resolution of this complaint needed would be the fee for the violations made and the IMMEDIATE correction of the account according to the outcomes of the CFPB investigation. I authorize the CFPB to use their best discretion in determining a resolution with the violations seen AND not seen or expressed.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Account name XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : 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

According to Fair Credit Reporting Act 15 USC 1681 section 602, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Equifax are consumer reporting agencies that should ensure my right to privacy as a consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX and Equifax do not have my consent to furnish this information and surely do not have my written consent. Any consent to XXXX and Equifax ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lease a car using Hyundai Motor Finance, I joined the military and did a early lease termination. A year later Hyundai motor finance report 3 payments over 30 days late, after numerous phone calls, I contested it with the credit bureaus and 2 of the three were removed. Now however they refuse To remove the final late payment which is incorrect information because I was never late. Ive sent 2 certified mails with a copy of my credit report, a copy of my payment history that I got from their website and my bank statement showing date of payment but havent gotten any letter back and when I call costumer service they are saying they have no phone number for the credit reporting dept.
Product: Debt collection

I keep seeing this company 's name on my credit report and have no idea who they are or why they claim that I owe them. This account was created by identity theft. It could be a relative or other unknown person ; it is not mine. I recently hired a credit repair company to help with this issue but have not seen any action taken. I 've asked the company as well as the credit bureaus to block this information, but no avail.
Product: Checking or savings account

On XX/XX/XXXX I received respond from Citibank, after several attempts to call and speak to XXXX XXXX at Citi XXXX Response Team, and sending her my copy of Drivers license showing my correct address she confirmed the new checks will be issued and mailed and she will call me before the end of the day XX/XX/XXXX. She failed to keep her promise, I have attempted to call her for several days and there is only recording to leave message and sent her email dated XX/XX/XXXX and XX/XX/XXXX. I have not received any call or reply from her or citibank about my funds. 

copy of the email sent to citibank Citi XXXX XXXX : XXXX, XXXX, & XXXX Hello XXXX, Further to email sent on XX/XX/XXXX and your call to me, you assured me that you are following up with someone to process the issuing the check and call me to confirm the next day but I have not heard from you. Can you please call or send me reply to when will you be mailing the checks to me? 
Thanking you. 
XXXX XXXX Copy of Email sent to you on XX/XX/XXXX As per our phone discussion on Monday you confirmed that you have received my copy of driver license with correct address and you are going to process the checks to be mailed by over night delivery and will call and confirm before end of the day. I have not heard from you since as promised, since I have tried to call you XX/XX/XXXX and XX/XX/XXXX but there is recording message call regular business hours and leave message, I have called regular business hours and also left messages to speak to you but I have not heard from you. 
Would you kindly get back to me regarding my mailing of the funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already addressed BofA 's incompetence and illegal reporting of a a student loan account that was discharged in my Bankruptcy in 2010 and had it removed once. Now it is back XXXX up my credit again reporting a balance and lates month after month and needs to be deleted ASAP!!! Attached is a screenshot of the illegal reporting and the page from my BK clearly showing it was included and discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX car loan account that was paid off in 2021. I've had a few late payments in XXXXThe problem is that the closing dates and last payment dates are incorrect. I haven't missed a payment since. This error on my report is affecting my account negatively.
Product: Checking or savings account

Marcus by Goldman Sachs closed my account for no reason which is fine, but I have XXXX $ in the account and they have not sent it back. I have verified all information asked of and Everytime I call its excuse after excuse, its been over a month trying to retrieve my funds and still nothing