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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account. Kindly remove it on my account. 
XXXX  XXXX Date opened XX/XX/XXXX Balance : - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance - Late Close XXXX XXXX XXXX ( XXXX ENABLER ) XXXX Date opened XX/XX/XXXX Balance : {$380.00}
Product: Debt collection

ask for debt validation, never received it, these collection agencies are violating fair credit collection practices
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Today I got an email from XXXX that a transfer of {$790.00} was sent to " XXXX XXXX '' in XXXX, XXXX. I use this account to send money to my family in the XXXX. I have no affiliation with this person at all. 

I looked at the transaction and did some digging on this person. I found that this person is a software developer at Capital One. I happened to be using a similar password for my Capital One account and my XXXX account and my Capital One credit card is connected to my XXXX account! I have now removed it!! 

You should look into the activities of this Capital One employee. He may be using Capital One user account information to get into other site accounts like XXXX to send money to himself!
Product: Money transfer, virtual currency, or money service

Involved with a scam FTC report numberXXXX, Initiated a payment to XXXX XXXX - quick pay with XXXX XXXX Chase would not even file a case # - said too bad, you paid them your fault, I have never heard of anything like that Couldn't they have flagged it so I would have had to think about it for even an Hour. 

Amazon called said my account was hacked by unauthorized people in Ohio and XXXX so they walked me through the pages on amazon site to help me understand security They needed me to pay XXXX XXXX XXXX so they could initiate the refund - I recieved to email confirmations from them XXXX I know I was scammed and I feel XXXX Showing my age I'm XXXX.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent account and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I have made my Mortgage Payment timely to Home Point Financial Corporation. It is the legal responsibility for Home Point Financial to pay the property tax and insurance from my escrow account in a timely manner. I received a tax bill from the City of XXXX showing a late fee due to Home Point Financial had failed to pay the taxes. I have sent Home Point Financial a Certified letter making them aware of the delinquent taxes. I have also sent a copy of this letter to the City of XXXX regarding the non payment of the taxes. I will upload a copy of the letter, the tax bill, and evidenced to show that my mortgage payments have been timely. I will also include The Certified Mail Receipts. I appreciate your assistance with this matter.
Product: Credit reporting or other personal consumer reports

I am writing to address several inaccuracies in my Equifax credit report. The following item continue to be reported by Equifax, despite being deleted from my credit reports with XXXX and XXXX : XXXX Account # XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 1681i ( a ) ( 5 ), credit reporting agencies are required to ensure that the information they report is accurate and complete. The persistence of these inaccuracies on Equifaxs report is a clear violation of this requirement and is adversely affecting my credit profile. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in the removal of these incorrect items from my XXXX credit report. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct the account right away. 

XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have contacted Commonwealth Financial system since XX/XX/2015 ; they have yet to verify and validate this debt and it is still showing on my credit profile ' which is a violation of the FDCPA. All XXXX credit reporting agencies has stated that this account was verified and validated but has failed numerously to provide me with documentation supporting this presumption which is also a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/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 XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Left messages in XX/XX/XXXX on Sears web site that we did not make the charge. They finally removed it after many messages. They put it back on our card & sent us a letter with Proof of purchase however the proof of purchase actually proved we did NOT make the purchase. There was no reason for them to put the charge back on if they had looked at what they sent us. 

I left message again on web site & I called today. I put the card on hold. The person on the other end was overseas & they asked for my checking account number!!! I informed them they did NOT need it but am very concerned that someone is asking for it! 

This charge is from XX/XX/2019 & we are still trying to get it taken care of!
Product: Credit reporting or other personal consumer reports

My account with NAVY FEDERAL CR UNION was never late! I have had exceptional payment history with NAVY FEDERAL CR UNION 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 XX/XX/XXXX to XX/XX/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.

NAVY FEDERAL CR UNION 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

Account is over XXXX  year reporting period and should be removed from my credit report. Creditor is also illegal updating and reporting last activity date. No activity from me have been done in the account. I requested account be removed from my credit report file as of FCRA with no action from creditor. Please delete account from my credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick response and your decision to eliminate some of the fraudulent accounts listed on my credit file ; nevertheless, I continue to see other erroneous accounts shown on my credit file. I am sending you this CFPB complaint today to ask you to remove the XXXX  entries you have shown on my credit file once more. I sincerely appreciate the time and work you took to remove some of the things I asked you to remove. However, I discovered when I looked at my updated credit report that some of the things I had previously asked to be removed were still being recorded. On XX/XX/2022, I sent you a dispute letter asking you to reexamine my credit file and have the disputed entries erased as soon as possible. Please erase the following entries from my credit file once more : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}. These erroneous accounts are undoubtedly not mine, and the inquiries regarding me are unfamiliar. Please promptly erase the remaining XXXX  items from my credit file in accordance with Fair Credit Reporting Act section 605b. A violation of a consumer 's rights protected by the Fair Credit Reporting Act is continuous reporting of the disputed accounts.
Product: Credit card or prepaid card

I have repeatedly disputed this account, the charges that led to the charge off and ultimate attempts at collecting this debt are a result of identity theft. Capital One continues to validate this debt and mark it as Dispute Resolved with the Credit Bureaus, even though they have ceased collection activities and the collection account was removed from my credit. IF THEY REMOVED AND CEASED ACTION ON THE COLLECTION ACCOUNT WHY DOES THE ORIGINAL ACCOUNT STILL SHOW ON MY CREDIT? Why am I being punished by FRAUD!! No one else must repeatedly dispute an account, my friends have told me a simple phone call usually suffices with Capital One, why do I have to write them and send it certified mail and incur more expenses? What makes my case any different from the other people who have had Identity Theft issues?? I feel like my rights may being violated in so many ways. The FDCPA and FCRA are very clear on what YOU must do in this event I am requesting yet again that you DO YOUR JOB! And delete the following account IMMEDIATELY, as per my rights under federal laws!!!
Product: Credit reporting

I have sent numerous supporting documentation to Equifax in regards to fraudulent and unauthorized accounts on my credit report that do not belong to me. Equifax continue to disregard and refuse to look at the supporting documentation for proof that the following accounts do not belong to me : XXXX, XXXX, XXXX XXXX XXXX and MN Child Support Enforcement. I continue to get the same response over and over from Equifax which is, we have verified the item belongs to you, despite supporting documentation that is proof the fraudulent accounts do not belong to me.
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 those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX 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

On my Chase Sapphire Reserve card there was a promotion offering to receive a 30 % bonus when transferring my Chase Ultimate Rewards points to XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I transferred XXXX points on XX/XX/XXXX, the start of the promo, but never recieves the XXXX bonus points from that specific transaction in my XXXX XXXX account. Per terms of the promotion : Receive a 30 % bonus when you transfer Ultimate Rewards points to XXXX XXXX XXXX XXXX. 
The promotion is valid through XX/XX/2023, at XXXX XXXX. 
Transfers may take up to XXXX  days. 

XXXX XXXX explicitly are stating they are not responsible for the XXXX bonus points from the 30 % promotion and that XXXX points should be from Chase. Chase insisted to contact XXXX XXXX regarding my missing points.
Product: Debt collection

1. A debt collector ( ONLINE COLLECTIONS ) called me multiple times to collect a debt of around {$170.00} for XXXX XXXX. 
2. I called the XXXX XXXX and they informed me that I do not have or had any debt with them. My current balance is {$0.00} ( XXXX ) dollars. Before that the balance was in my favor because I had a security deposit which they refunded about a year ago when account was finally closed. I specifically asked about collections or anything and XXXX XXXX declined that they submitted by account to collections. 
3. I called Online Collections and asked to call XXXX XXXX together to settle the issue but they declined to make such a call and offered me to wait. 
4. I can wait, but not when I have a derogatory mark on my credit score.
Product: Checking or savings account

My name is XXXX XXXX I have a Business Bank Account with XXXX XXXX in XXXX Pa I Wrote a check from that account and deposited it To a Wells Fargo Fargo Bank on XX/XX/2023 the check was in the amount of XXXX I was told that it would be cleared in three to five days I went to the bank yesterday and they told me I would not have those funds until XX/XX/2023 That is over ten days there is no reason for them to keep my money! Wells Fargo received my money from the XXXX XXXX  onXX/XX/2023 I have been a customer of Wells Fargo for over 20yrs I have deposited large amounts in the past and had no problem. I also wrote large checks to other vendors that will bounce due to the incompetence of Wells Fargo institutuion.I hope someone can provide me with some help thanks
Product: Vehicle loan or lease

The truck needed a new fuel pump. We sent it to the XXXX dealership. We pay XXXX for it to get fixed. The XXXX dealership said that somebody from the state pound came to pick it up. Im not really sure and we was left with a balance, the card was not behind the car note was not behind the insurance was up-to-date. Everything was up-to-date, so we lost out on the truck and it getting fixed at the dealership, and when you call credits acceptance, they couldnt explain anything
Product: Credit card

I applied for the XXXX from Capitol based on the mailer I got which mentioned {$1000.00} in bonus earnings on {$1000.00} in purchases within 90 days of card opening. I 've made the purchases, but do n't see the bonus earnings. I 've called up Capitol One and the redemption center multiple times and have been getting the run around, and that they are n't aware of any such offer. I also faxed them the mailer, but have had issues getting proper responses from Capitol One.
Product: Debt collection

i advised it was identity theft they did nothing. I am tired and frustrated
Product: Credit reporting or other personal consumer reports

This collection agency has furnished a medical record to my consumer report illegally without my authorization under HIPPA.

HIPPA is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patients consent or knowledge Permitted Uses and Disclosures The law permits, but does not require, a covered entity to use and disclose PHI, without an individuals authorization, for the following purposes or situations : Disclosure to the individual ( if the information is required for access or accounting of disclosures, the entity MUST disclose to the individual ) Treatment, payment, and healthcare operations Opportunity to agree or object to the disclosure of PHI An entity can obtain informal permission by asking the individual outright, or by circumstances that clearly give the individual the opportunity to agree, acquiesce, or object Incident to an otherwise permitted use and disclosure Limited dataset for research, public health, or healthcare operations Public interest and benefit activitiesThe Privacy Rule permits use and disclosure of PHI, without an individuals authorization or permission, for 12 national priority purposes : When required by law Public health activities Victims of abuse or neglect or domestic violence Health oversight activities Judicial and administrative proceedings Law enforcement Functions ( such as identification ) concerning deceased persons Cadaveric organ, eye, or tissue donation Research, under certain conditions To prevent or lessen a serious threat to health or safety Essential government functions Workers compensation The reporting agency are not listed under the 12 priorities listed above. 

This illegal reporting of my medical record has caused me to be denied for a mortgage loan damage my reputation, character, and livelihood.