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

Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX I have learned that my identity has been stolen and used fraudulently. I have included several documents for evidence of proper reporting of the matter. I have mailed my complaints as well as attempted direct complaints with Equifax, XXXX, XXXX and XXXX XXXX, although XXXX did not provide an online option for my needs. There have been multiple instances of false personal information, addresses, hard and soft inquiries, phone numbers & email addresses. I have spent a great deal of time since my knowledge of the matter beginning in XXXX of XXXX, trying to clear all of the errors up. I filed disputes on XXXX of XXXX which remedied several items but not all and thus leading me to spend even more time and money to research remedies and to provide all of the additional documents ( included ). I have also found multiple instance of privacy violations which are addressed in the documents as well. I have since also froze all of those mentioned. As of this time, my home has incurred over {$50000.00} worth of loss and damages since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with ( CREDITOR NAME ) 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 paymen t 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 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: Mortgage

I am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX. We have a mortgage # XXXX serviced by KeyBank Real Estate Capital. Insurance and Taxes are escrowed by Key Bank with an annual escrow analysis performed. Sometime around XXXX last year my insurance came up for renewal. We presented the renewed policy to KeyBank and they kept rejecting it even though it had the appropriate coverage. KeyBank subsequently put a forced-placed insurance policy on our property even though we had the right policy all along. I requested for the forced placed policy to be removed when I realized this and presented the policy details. XXXX XXXX ( XXXX ) from KeyBank confirmed receiving all the appropriate policy details on XX/XX/XXXX and also confirmed that the forced placed insurance will be removed. An Escrow analysis was completed on XX/XX/XXXX, over a month after receiving the correct policy details but instead of using the policy details presented and accepted on XX/XX/XXXX, KeyBank went ahead and used the information from the forced placed insurance which was supposed to be removed to prepare an the escrow analysis, which resulted in a new incorrect monthly insurance escrow payment of {$7400.00} implying an annual insurance premium of {$89000.00} for the forced placed insurance versus the actual accepted policy with annual premiums of {$9600.00} and correct monthly escrow payments of {$800.00}. Starting with the XX/XX/XXXX payments, KeyBank has started deducting monthly escrow payments of {$7400.00} based on the removed forced placed insurance, instead of the {$800.00}. Key bank is now asking me to pay to prepare a new escrow analysis in order to correct this issue which was their making in the first place. In addition, we advanced the premiums of {$9600.00} for the XXXX policy renewals from our company accounts expecting to be reimbursed from the escrow account but KeyBank refuses to reimburse this amount. We need help to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am demanding immediate removal of the accounts and inquiries listed on this complaint. Equifax, XXXX and XXXX are in direct violation of 15 US. Code 1692 ( e ) False and misleading representation which has harmed my reputation and ability to be to obtain credit and conduct business.
Product: Money transfer, virtual currency, or money service

I entered into an agreement with Square, an online company processing credit cards for small business. Between XX/XX/XXXX and XX/XX/XXXX I processed {$22000.00} in customer charges at my estate liquidation Sale. Square is now refusing to deposit those funds to my bank account as promised. Further more the sent an email stating the were deactivating my account and would holding my funds for 90 days. The did not give an explanation or contact info. I dug up a consumer call XXXX in XXXX. Talked to at least 10 different people. 
No help. I tried to contact the '' corporate offices '' in XXXX and their phone number just sends you backto the XXXX call center where they read from some script. I am XXXX and aside from Social Security make a little income from estate liquidations. 
I had to pay my client {$21000.00} today out of my ownsavings. I do not know if or when this company will release my funds. At this point I would like to see them sued for elderly abuse, financial fraud, personal injury from the fear and anxiety brought on by their failure to do as promised, as well as false advertising!
Product: Debt collection

This debt was already paid actually it was paid twice. They took off XXXX credit company, but not this one ... not sure about the XXXX. The debt was paid directly to the company I owed it to, it was for about {$71.00}. I get many calls, many times a day. I did ask them to check into it and they were rather rude. They also told me they would send it to a lawyer and I was threatened with a lawsuit ... ..
Product: Debt collection

This debt was not owed. 
This is a landlord tenant dispute and needs to go in front of a judge my security deposit was stolen and Im Owed money for repairs. 
This debt was removed from my husbands credit report because its fraud
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dynamic Recovery Solutions is 1 of 4 other companies trying to collect a debt not owed, It isn't mine and I have requested documentation from them and still haven't received anything from original collector from Dynamic with my ID or signature. I have sent the Letter showing XXXX balance owed to XXXX sent to XXXX XXXX which is one of the other companies trying to collect this debt. I do not owe anything and the original collect has  closed and placed a XXXX balance to the account. I want this closed from Dynamic and their partner XXXX XXXX XXXX XXXX XXXX. XXXX was the original collector and I have attched a XXXX  balance letter from them.
Product: Credit reporting

On XXXX XXXX, XXXX I have mailed all XXXX Credit Bereau ( XXXX, Transunion and XXXX ) concerning the hard inquiry that is showing on my credit report that I pulled for review in XXXX XXXX, XXXX. All XXXX CB 's were notified that I have no business with the said inquiries and considered to be fraudulent activities. The response I received from the CBs were copies of my my credit report and I was told to contact the creditors instead. On XXXX XXXX, XXXX I mailed all request to remove hard inquiry to the following creditors 1. XXXX inquiry date XXXX XXXX XXXX 2. XXXX inquiry date XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX 3. XXXX inquiry date XXXX XXXX, XXXX 4. XXXX XXXX inquiry date XXXX XXXX, XXXX XXXX 5. Total XXXX XXXX XXXX, XXXX 6. XXXX inquiry date XXXX XXXX, XXXX 7. XXXX inquiry date XXXX XXXX, XXXX 8. XXXX Bank Inquiry date XXXX XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX inquiry XXXX XXXX, XXXX i have requested from all the creditors thru the letter I mailed via certified mail that I did not authorized any of those inquiries and view my credit report that upon doing so they have violated the FCRA section 1681b ( c ). I also requested all creditors to send me a proof of my authorization to inquire into my credit report. THey replied with no proof of authorization and merely states that it 's valid and factual. 

I am asking your good office to help me resolve this matter. Please let me know if you need any further documentations that can or will help you investigate this issues. 

Respectfully yours, XXXX XXXX XXXX
Product: Mortgage

Specialized Loan Servicing services this loan that I have and I wrote them a letter asking who owns the loan and they sent back a response that said they will not tell me. I wasn't told the truth on this loan and I want to know who owns it.
Product: Vehicle loan or lease

The complaint entered into a contract agreement with wellsfargodealerservices for finance of an automobile on or about XX/XX/2011. 

The complainant was financially offset after a financial institution wellsfargodealerservices place collateral protection insurance on his loan which offset him tremendously where he was forced out of his homestead and dwelling and later filed bankruptcy which discharged the debt under chapter XXXX of the bankruptcy code. 

The complainant, whom is a XXXX veteran of the US Armed forces, was living as a XXXX   person and during the time of a heatwave, the finance company repossessed his vehicle prior to him filing bankruptcy and that the cause for repossession was due to being offset financially by the lendong institution placing overlapping collateral protection insurance in addition to the monthly installments of the loan and without consent, resulting in a magnification of the monthly installments creating a ripple effect of collateral damages and economic losses, past and future, to include loss ( 3 ) of businesses. 

The complainant received an affidavit of fact where Wells Fargo dealer services denied any involvement of fraudulent act, but notified the complainant 5 years later that the loan balance in amount was offset due to fraudulent acts of deceptive business practices of the lender who has now given notice that those deceptive Acts was common with their customers and are being held liable for all expenses acquired collaterally and economically past and future however have been receiving reluctance from Wells Fargo dealer services who have been slow in severance of all damages as claims post to bankruptcy. 

Attached to this complaint is an affidavit of fact which proves that the acts of the financial institution were deceptive and that efforts to sever this claim post to a class action lawsuit are underway however have been enigmatically hindered although supporting documentation deeming them lawfully liable for all damages and injuries as claimed is being downplayed or ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian continues to violate the law and my rights. I am writing to formally dispute inaccurate information on my credit report. 

This dispute is submitted under the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the CFPB have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As peXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. Further NO hospital bills should be on any credit reports. 

I hereby request Experian to remove the following inaccurate, unverifiable, fraudulent collections from my report. 

1. XXXX XXXX XXXX {$3000.00} XXXX. XXXX {$280.00} XXXX. The XXXX XXXX {$8900.00} XXXX. XXXX XXXX Of XXXX {$1500.00} XXXX XXXX XXXX {$4900.00}
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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I recently reviewed my credit and realized they were inquiries on my account that I didn't recognize hence fraudulent and I would like to have them removed. These inquiries includes ;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
Product: Credit card

Hello. I referred XXXX XXXX to Capital One XXXXXXXX XXXX a few weeks ago. 
His email is XXXX, and his address is XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX I gave him my referral link and saw him sign up with my referral link and he was approved. I still have not received my XXXX miles. Please credit me my miles.
Product: Debt collection

Between XX/XX/XXXX and XX/XX/XXXX, Ally bank/financial started receiving repeated harassing calls, pre recorded voice mail. XX/XX/XXXX I instructed Ally to stop calling my number, they have continued to call. Ally was also told in XXXX not to call my phone number. ally did acknowledge my request for a year. However they have started very annoying and harassing calls as stated earlier.
Product: Payday loan, title loan, or personal loan

I moved out of Oklahoma unplanned before my first payment was due. When I called to see If I was able to mail in my first payment I was told that I owed four months of payment upfront. When I asked them about this the company said that I had to pay four months. I opened the loan in XXXX, how do I owe four months? They also started calling all of my references trying to find out personal information on myself, including my last employer. I mean harassing phone calls. They are fraudulently trying to get more money out of me than what I owe.
Product: Mortgage

I requested to our mortgage lender to remove XXXX, based on the value of the home. I ordered an appraisal on XX/XX/22. Between the date of ordering and XX/XX/22, I followed up 6 times. Both by phone and email. The person in charge of this process at the bank, First National Bank of Omaha ( FNBO ), is named XXXX XXXX. She responded each time that she only orders the appraisal, and has no control. After trying to get a resolution for 5 weeks, she told me its not really a problem because if its approved, well retro this to when you asked, and credit the XXXX back. I told her this is an unacceptable answer, and its taken far too long. She agreed it had taken too long, but said she had no way to escalate this, or follow up. Come to find out a few days later on XX/XX/22, the appraisal was never accepted by anyone to do it. Even though someone came out to take pictures and measure the exterior of the house for the appraiser. This is ludicrous. She then suggested instead we do a XXXX, as it will be done by a local real estate agent. On XX/XX/22, she told me that when she ordered the XXXX, it cancelled our place in line for the appraisal, but she thought the XXXX would come back quickly. Nearly another month has passed, as it is now XX/XX/22 and we are no closer to reaching a resolution than when I started this months ago. There must be some path of recourse. This seems outrageous that a lender can simply say they have no way to check on this, no clue on when it the process will be completed if ever, and continue charging me every month for XXXX premiums that are unjustified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TRANSUNION, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TRANSUNION and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX  Date of inquiry XX/XX/202XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$190.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX of XXXX Reporting of 30-Day Late Payment Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute the inaccurate reporting on my credit history regarding a 30-day late payment that occurred in XX/XX/XXXX. This discrepancy exists due to my COVID-19-related circumstances during that time. 

As per the CARES Act, which was enacted to provide economic relief to individuals affected by the COVID-19 pandemic, it is explicitly required that lenders report accounts as current if the late payment was a direct result of hardships caused by the COVID-19 virus. I would like to affirm that the 30-day late payment in XX/XX/XXXX was a direct consequence of my contraction of XXXX. 

Under Section 4021 of the CARES Act ( 15 U.S.C. 1681n ), it is illegal for a lender to inaccurately report information regarding a consumer 's account, especially when the reporting is deceptive and noncompliant with the law. Failure to rectify this inaccurate reporting may lead to legal action on my part. 

I kindly request that XXXX XXXX XXXX  take immediate action to correct the inaccurate reporting on my account by removing the 30-day late payment notation for XX/XX/XXXX. This action is essential to ensure the accuracy of my credit report and prevent any unwarranted harm to my creditworthiness. 

If XXXX XXXX XXXX  fails to correct this issue within 30 days of receiving this letter, I will have no choice but to pursue legal action for false reporting, deceptive practices, and civil liability under 15 U.S.C. 1681n. I sincerely hope it does not come to that, and I trust that XXXX will take this matter seriously and act in accordance with federal law. 
I appreciate your prompt attention to this matter and request written confirmation of the resolution once the inaccurate reporting has been corrected. 

I have also sent this letter to the Federal Trade Commission, California Department of Financial and Professional Regulation, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Advocates for Fair Credit Reporting, Consumer Financial Protection Bureau XXXX XXXX