23daVinci/CFPB_Complaints huggingface dataset:
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 60 days 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 8
Product: Mortgage

On Monday, XX/XX/XXXX, I purchase a new built home from XXXX XXXX and NVR Mortgage at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. XXXX XXXX and NVR Mortgage have engaged in predatory lending practice by selling me a home that was originally appraised for {$520000.00} from one of their contractor 's companies, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX by XXXX XXXX XXXX. On Monday, XX/XX/XXXX. XXXX XXXX conducted another appraisal for {$570000.00}. Lastly, on Friday, XX/XX/XXXX, XXXX XXXX sent XXXX XXXX and NVR Mortgage a final appraisal for {$580000.00} for which I paid {$580000.00} for the purchase of this house and NVR approved it. There was a {$59000.00} difference from the first appraisal and the last one XXXX XXXX and NVR Mortgage charged and approved me for the purchase of my house. This is a clear example of predatory lending. XXXX XXXX did not provide any justification as to why 3 appraisals all have inconsistent data and price increases less than 3 months. XXXX XXXX manipulated this data as it pertains to the appraisal of the sellers XXXX XXXX and NVR Mortgage benefits and profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three problems that occurred : 1 ) My mortgage company, XXXX XXXX, changed the amount of my monthly payment without informing me. ( escrow related ) 2 ) It ends up my mortgage company changed the escrow amount because they took it upon themselves to contact my homeowners insurance company and pay my insurance even though that item was not in escrow. 

3 ) I didn't find out about the monthly payment change until 30 days AFTER the payment was due. They sent me a letter on XX/XX/XXXX which I did not receive until XX/XX/XXXX for the payment due on XX/XX/XXXX, at which point I immediately got on the phone and fixed the issue. I never missed or skipped a payment. Then the mortgage company had the nerve to report my payment has XXXX past due, which caused my credit score to drop by over XXXX points. It's outrageous.
Product: Checking or savings account

initiated a transfer from money lion to money lion checking would not allow me to transfer to my XXXX account even though it is linked to the account. I initiated this on XXXX19 it is XX/XX/2019 no response money was remove from investment but has not been transfer to money lion checking or XXXX checking account no response from company long wait times no response from XXXX XXXX nothing from the company and multiple complaints for multiple users
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. This is my 2nd attempt to submit this complaint but then I think my request has been ignored by the bureau. I am certain that these accounts below are reporting erroneously in Transunion. I do not remember having these accounts with these companies. I don't think there is legal contract between these companies & myself. I would like you to provide me verifiable proof these accounts belong to me. I demand a signed contract which will prove a legal agreement. Please authenticate this information and provide me with copies of any documentation linked with these accounts which bears my signature. In the absence of any such documentation bearing my signature, please delete these straightaway. 

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

Over the past few years, I have done multiple investigations on my credit report once I was made aware that incorrect information was being reported. I have reached out to each bureau multiple times regarding the incorrect information, but my effort have gone ignored. 

My investigation revealed unverifiable, invalidated, inaccurate and questionable items neither of the three major credit bureaus ( XXXX, TransUnion, XXXX ) bothered make sure is reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), anything reporting inaccurately on my credit bureau is in direct violation leaving my incapable of being 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and that they each came back verified. However, it is impossible that this can be true due to several inaccuracies still reporting on my credit bureau, despite my efforts to right this wrong. Each dispute that I have filed with the three major bureaus, have all resulted in the same response. In the case of the inaccurate bankruptcy reporting, each bureau responded stating that the information had been verified directly with the source, which would the bankruptcy courts. However, I am attaching a letter here from XX/XX/2022 where the courts clearly state that they do not verify information with any third party entity. So all three of the credit bureaus are lying and they are intentionally allowing inaccurate information to be reported against me, which has hurt me not just financially but professionally as well. Additionally, I have vigorously disputed fraudulent inquiries that I made clear were also not mine and I was told that inquiries can not be disputed. HOW IS THAT POSSIBLE? If ALL information is required to be 100 % accurate, as a consumer I have the right to dispute everything. I DID NOT apply for credit from those companies.
Product: Payday loan, title loan, or personal loan

I received a letter on today XX/XX/ threatening to sue me if a payment is not made. Luckily I made a payment on XX/XX/ because when I tried to go in and verify that my payment had been applied today on XX/XX/XXXX  it says I have no active account. It has just been one thing after another with this company from the constant harassment despite me sending a letter asking them to stop now them threatening to sue me when they have never reported to any of the credit bureaus of my accounts being 30 days late and I check on multiple credit monitoring sites both paid and unpaid ( XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  So I am including a screenshot from credit wise where Tower Loan had reported on my credit on XX/XX/ that my payment status with their company as 100 % on time payments. So now I feel they are trying to set me up so they can sue me since my accounts just so happen to say no active account after they just conveniently set me a letter threatening legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request and no one at any of the credit bureaus and handling my dispute requests. I am requesting that these below accounts be deleted from my credit report, especially if they are unverified and non-compliant. Thank You, XXXX XXXX  - XXXX Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Unverified Account- Delete immediately I am really looking for some guidance here ... The Credit bureaus are failing to respond and the CFPB is not assisting me at all here. I am trying to take care of my credit. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

We purchased our home at XXXX XXXX XXXX XXXX XXXX Il XXXX XX/XX/XXXX for {$81000.00} with a FHA loan. We paid on our home for approx 20 years and on XX/XX/XXXX it was allegedly assigned to Nationstar. At that time it was determined we owed {$83000.00} on our home which is more than we bought the house for. In XX/XX/XXXX Nationstar said we owed {$89000.00}, and XX/XX/XXXX Nationstar said at the time of transfer we owed {$130000.00}. On XX/XX/XXXX Nationstar gave us a payoff in the incorrect amount of {$250000.00}. All of these incorrect contradicting amounts seem to equal up to mismanagement of escrow and possible fraud. I am requesting an investigation into their accounting. Nationstar filled foreclosure against me and when we recently requested a modification we were told by Nationstar 's attorney XXXX XXXX XXXX, that the modification would be handled by her. She accepted the modification paperwork and when she was questioned if the modification had been approved she emailed, hey you were denied. We never received official notification from Nationstar which deprived us of the right to appeal the decision. When we emailed XXXX XXXX to request the denial notification we never received one. Nationstar violated FHA guidelines requiring face to face meetings, as they never initiated a face to face meeting claiming not to have any offices within XXXX miles of the property. Im requesting signed certified copy under penalty of perjury of the on and off accounting ledger of Nationstar 's servicing of the loan for payments.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXXXXXX, 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: Money transfer, virtual currency, or money service

Wells Fargo Closed my online checking account because their no activity for the past 2 months.I understand why they would close it but i would like it to be re-opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, or personal loan

this ripoff loan company named big picture loans run by some XXXX tribe some where is sending me these pre screened offers every week even though I have opted out at all 3 credit bureaus 4 different times in one year. I have constantly contacted these people to take me off there mailing list and they always tell me that they do n't have to go by gov regulations because they are a federally recognized XXXX tribe. I do n't believe that to be the case. any one that would get a 843 % loan from a XXXX tribe is out off there mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed a fraudulent account opened with XXXX that was removed from my XXXX  Report on XX/XX/2021. According to FCRA my consumer rights has been violated. Since the deletion, XXXX  and Equifax has double reported and allowed this fraudulent account to re-appear on my credit report after being removed. I am demanding immediate deletion of this fraudulent XXXX Account as soon as possible. This fraudulent account is effecting my credit integrity and must be removed. FTC report is attached.
Product: Credit reporting or other personal consumer reports

Received a letter concerning health data breach from lab used to research generational XXXX.
Product: Money transfer, virtual currency, or money service

My money was fraudulently transferred out of my Bank of America unemployment debit card XXXX dollars and Bank of America refuse to pay me back I made police report notarized documents reopened my claim XXXX  times after being denied last time I reopened my claim was XXXX XXXX and still havent heard anything
Product: Credit card or prepaid card

I called the customer care in respect of my debit card that I couldn't activate and a reasonable answer could not be giving to me. i want to know why i couldn't activate it and what can be done to get it activated. your quick response will be appreciated.
Product: Credit card or prepaid card

jcp peney had promotion on opening the card, its 35 % off i only got 10 %
Product: Debt collection

XXXX XXXX XXXX Amount of debt owed : XXXX The collectors contact number is listed ( as shown ) ( XXXX ) - XXXX XXXX on experian 's website! 

I wanted to payoff/settle the debt but incorrect documentation was listed on the contact information on experians website. 

I don't think that it is fair for the consumer ( myself ), that I should have to take the full blame for the mistake. When the problem at hand could've been resolved in a timely manner instead of showing several months of past due on my credit report.
Product: Debt collection

I have talked to the first collection agency XXXX XXXX XXXX about this same debt and I have sent proof and documents that this account does not belong to me and its is not me debt, and they have since remove the account. 
Now I see on my credit report that another collection agency Enhanced Recovery Company or ( ERC ) sent me a notice in the mail on XXXX XXXX 2016 stating that I owe this debt. 
I am sending a letter along with this complaint to the CFPB and the FTC to say that this debt is not my debt and I never authorized any debt from XXXX nor ERC. This letter to ( ERC ) in response to an unauthorized traded on my Credit Reports. Be advised, this is a refusal to pay, because I never authorized or open any trade with your company or the original creditor, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I am starting to notice the deceptive practices that these collection agencies continue to mislead and deceive consumers and how nothing is being do n't to stop it. This is a violation of my rights under the FCRA and needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Acct # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Acct # XXXX, XXXX XXXX XXXX Accts # XXXX and # XXXX, XXXX  XXXX XXXX Acct # 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
Product: Vehicle loan or lease

I purchased a new Toyota on XX/XX/2020 as well as GAP, an extended warranty, prepaid maintenance, and tire and wheel. I am trying to cancel these in a timely manner to avoid interest charges. Toyota is making it very difficult to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY CAPITAL FAILED TO FURISH 1099-C DENT CANCELLATION FOR MY TAX FILINGS ALONG WITH XXXX XXXX, XXXX  ETC..
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has led to unauthorized access to my personal information. As a result, fraudulent accounts and inquiries have appeared on my credit report. I am requesting that the following accounts and inquiries be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which allow for the removal of fraudulent information. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/19 disputed Transworld System Acct # XXXX for the XXXX XXXX. I paid money to them when and I had insurance. I was told to pay an amount before I even had XXXX and Ive never received anything else from them. Ive attempted several times to get a copy of the invoice from transworld they told me that the collector that sold the account to them. Didnt provide them with one and they would have to get it or I could call. I did that and nothing. Ive never seen an invoice in the amount of {$250.00}. And of the account was sold to the collection agency why dont they have one? I dont know how they have provided any proof when I havent received anything as of yet and its damaging my credit. I feel that it should be removed since they can not provide the information. Ive been getting the run round for over a year. I dont feel I should have to pay something that I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to pricacy.

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. 

- Account # XXXX XXXX 
- Account # XXXX XXXX 
- Account # XXXXXXXX XXXX XXXX XXXXXXXX. 

Collections : -Account # XXXX XXXX XXXX XXXX XXXX XXXX 
-Account # XXXX XXXX XXXX XXXX. 
-Account # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had erroneous reporting on my credit reports and it has seem to affected all agencies. I have disputed the charge in its entirety due to inaccuracy. 

On XXXX XXXX, 2021, I disputed the account with Experian directly, but was informed that Experian determined the information as verified and accurate. During a XXXX XXXX, 2021 follow-up phone call with Experians representative, the rep indicated that Experian did NOT conduct an independent investigation into the information, but rather solely relied upon XXXX to determine the accuracy of the information. The Experian rep was XXXX XXXX and confirmed they did not do an investigation and only relied on XXXX 's statement. 

I have previously disputed the debt with XXXX XXXX XXXX XXXX and XXXX XXXX on XXXX XXXX, 2021 and XXXX XXXX, 2021 respectively. Neither entity provided a response to my FDCPA dispute. I can provide copies of this correspondence if needed. As such, I also formally disputed the information directly with XXXX and request an investigation as outlined in Section 623 of the FCRA.
Product: Checking or savings account

I've had my Capital One accounts for a good amount of time. Considering that there are no Capital One Bank in my general area, I would make mobile checks deposits when able and use XXXX for most other deposits. I would give funds to my family member who would then XXXX those funds into my account for me. It was the most convenient option. In addition I kept getting repeated charges from two different places so I called in to order a new card. The representative looked into my account and stated it suspicious to have so many XXXX transfer and for using more than one device to log into my account. I use my personal phone, laptop, and work phone to check my balance. Apparently that's not allowed but not stated in terms and conditions. I was also told I could never do business with them ever again.