23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : Chapter 7 Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Mortgage

CMS LN XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX XXXX XXXX We caught them doing some questionable things at the beginning of this transaction. Please see attached previous CFPB complaint. Escrow is trying to close today XXXX/XXXX/16. A payoff demand was ordered from Carrington on XX/XX/XXXX. We were told we would have the payoff within 3-5 days. We have called in multiple times since then ( at least 6 total ). We have gotten a different story every single time we have called. One call we were told it would be 3-5 days. The next call we were told the request was closed out and the new time frame for providing a payoff would have to start over. The rep had no ideas why it was closed out. Then it was escalated again. Then we were told we would have a payoff within 24 hours. ( we never received it ) Then we were told we would have it by the end of business that day. ( we never received it ) Then it was escalated again. Then we were told it would take at least 10 days to get a payoff. We have never received the payoff demand. We have been told a completely different story every single time we have called them. This has been escalated multiple times, as well as cancelled multiple times within their system. As of today, they are now telling us we wo n't get a payoff demand until after the foreclosure date. 

Is the refusal to send a payoff demand Carrington 's version of retribution for filing the first CFPB complaint? Kinda seems that way ... .. 

We know that Carrington has no intention to allow a full payoff of this loan. They never did. They instead want to foreclose on this property and send it to their real estate division in order to keep the equity in this property for themselves and get paid a commission for the sale. THIS HAS BEEN THEIR GOAL FROM THE BEGINNING.
Product: Checking or savings account

TD BANK REPRESENTATIVE ARE INSTRUCTED BY THEIR SUPERIORS TO INFORM CUSTOMERS THAT THERE ARE ONLY 30 DAYS POST STATEMENT AND POST THE POSTING DATE OF A DISPUTED TRANSACTION TO INTITATE A DISPUTE AND THAT THE ONLY WAY TO INITIATE A DISPUTE IS TO HAVE A TELEPHONE CONVERSATION WITH THE REPRESENTATIVES. BOTH ASSERTIONS ARE FALSE. THE FAIR CREDIT REPORTING ACT REQUIRES BANKS TO ALLOW 60 DAYS POST STATEMENT DATE, NOT POST POSTING DATE, FOR CUSTOMERS TO MAKE A DISPUTE. SECONDLY, THE FORM IS AVAILABLE AT 
https://www.td.com/ca/en/personal-banking/documents/pdf/credit-cards/TD_dispute_form.pdf
ALONG WITH FINDABLE INSTRUCTION ON ITS USE WHICH ARE DUPLICATED IN THE FORM. THIRDLY THE FORM INSISTS THAT CUSTOMERS SELECT ONLY ONE OF EIGHT AVAILABLE CATEGORIES. THIS CAN BE BYPASSED BY SELECTING OTHER OR NONE AND COMPLETING ALL RELEVANT SUBSECTIONS UNDER SECTION 5, ALONG WITH REMARKS
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and XXXX  allowed my identity thief to login into my credit and insert fake address, and a phone number. I have contacted them multiple times to remove the information. The identity thief got car insurance in my name, and applied for credit cards and business loans. He uses a fake email in my name to gain access and he has a fake drivers license in my name. I have asked the three credit companies to block him with his email address. I have sent disputes about the fraudulent address & phone number and they have done nothing!!! I put a freeze on the account alone with a fraud alert. I have disputed the hard inquiries. Im not able to get a free credit report online because the thief manipulated my information. Help make these companies be more responsible for everyone credit info. I have filed a police report too.
Product: Credit card

I believe the account is invalid. 
SECURITY CREDIT SERVICES ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX is the original creditor for my auto loan. I had a life event and unfortunately could n't pay. They have since sold the debt to XXXX XXXX XXXX and now they BOTH are reporting the same debt and attempting to collect on the debt. 
By law 2 creditors can not collect on the same debt at the same time. 
-- -Also the debt is past the statute of limitations!! 
When I call either of them, nobody knows what they are doing and they do n't try to help. I have contacted my attorney as well as filed a complaint with the attorney general. 
They need to fix this. 
The next correspondence will be from my attorney ....
Product: Debt collection

XXXX XXXX of Lockhart, Morris, and Montgomery threatened me and said it was a crime. He threatened to go after my grown daughter who does not live with me and is in no way obligated for any of my debts. Before he knew who I was and before he told me who he was and what it was about, he told me all of my personal information. He had my social security number, address, date of birth ... all of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card opened balance {$2900.00} XXXX XXXX XXXX collection company balance {$2800.00} XXXX  / XXXX charge off account balance {$2500.00} XXXX card credit card charge off account balance {$1700.00} XXXX credit card charge off account balance {$1000.00} XXXX XXXX XXXX collection account balance {$970.00} XXXX XXXX XXXX collection account balance {$610.00} XXXX XXXX  collection account balance {$410.00} XXXX credit card collection account balance {$350.00} XXXX/XXXX charge off account XXXX charge off account
Product: Credit reporting

Credit Reporting agency Equifax never validate my judgment. They updated satisfied instead of removing like XXXX and XXXX.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXXXXXX and/or XXXX ) credit report XXXX My latest credit report shows XXXX XXXX XXXX credit inquiry/inquiries that I did not authorize.
Product: Student loan

I have several complaints. The first being I was told I could forebear my loans during my husbands XXXX. When the loans came due they DOUBLED In price. I now owe more than {$98000.00} and only took out {$42000.00}. 

Second, I have been paying for years in an approved program to have my loans forgiven ( as both my husband and I work in public service ) to talk to them recently and be told I wasn't in the RIGHT program for forgiveness!! 

We pay almost {$1000.00} a month in payments and our loan is growing still. We have a XXXX XXXX XXXX about to go to college and still are paying on ours-and have been for 10 years.
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 oXXXX 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 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 reporting, credit repair services, or other personal consumer reports

There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect  Address : XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Name : XXXX ( Experian ) Incorrect Name : XXXX ( XXXX  ) The following accounts status is reporting inaccurate. I was never late on the following accounts : Dept of Education XXXX Open XX/XX/XXXX Bal. {$3500.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$3100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$860.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2100.00} ( I was never 90, 120, 150, or 180 days late ) XXXX Open XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following accounts does not belong to me/ Result of Identity Theft : XXXX Open XX/XX/XXXX Balance : XXXX ( XXXX  , XXXX, and Experian ) XXXX XXXX Date Open XX/XX/XXXX Bal. XXXX ( XXXX  and XXXX  ) Bankruptcy Chapter XXXX  ( XXXX  and Experian )
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 the 3 credit bureaus 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 remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX  ; If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed XXXX {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free credit report from Equifax and received it XX/XX/2018. On the report was a made up name but all the other information was correct. " XXXX XXXX   XXXX '' has never been my name. I wrote to them to correct my name but they refused to. Since I have had a name change I tried again to update my name. The process was long and arduous but they finally accepted my legal name. However, they still list this made up name on the credit history. I am worried that my identity is at risk as long as this false name continues to reflect on my account. The other two credit bureaus never created this made up name so it is only a problem with Equifax. I am very worried that for approximately two years they had a false name that they collected data under for my soc and address. They need to take this false name off my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017 Court : XXXX Bankruptcy XXXX XXXX CA Reference # XXXX account was reported to a

Credit Reporting Agency without my knowledge or permission. I have requested for this information to be removed for several years now with no resolution. In accordance with the Fair Credit Reporting Act my rights were violated. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Debt collection

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under Harvard Collection Services. I requested a validation on XX/XX/2020 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has it been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Credit card or prepaid card

With zero notice, Fifth Third bank dropped me from their autopay service clearly with the intent to stealthily make me miss a payment. Attached is evidence of the past couple months of autopay and the company 's sudden decision to not autodraft the money and instead fraudulently charge me a late fee. This is blatant theft.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I spoke with XXXX with Agent ID aXXXX XXXX XXXX  on XX/XX/XXXX. I contacted XXXX XXXX today to go over my payment history. I asked from my first date of delinquency. I noticed that there are areas where there is no data. 

Here is what I gathered from XXXX to the end of the loan. I already requested this in writing and it should be emailed to me in XXXX to XXXX business days. 

XX/XX/XXXX {$440.00} reversed then I paid {$1100.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$560.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$200.00} XX/XX/XXXX XXXX XX/XX/XXXX {$380.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$370.00} ( XXXX extension requests ) XX/XX/XXXX {$130.00} XX/XX/XXXX {$100.00} ( XXXX extension requests ) XX/XX/XXXX {$180.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$410.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$450.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment ( extension request 2 months ) XX/XX/XXXX {$1100.00} XX/XX/XXXX ( requested XXXX extensions ) XX/XX/XXXX {$280.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$560.00} XX/XX/XXXX skipped but payment made for XXXX XX/XX/XXXX {$1000.00}
Product: Credit card

I have not opened a new credit cart account for several years, but today ( XX/XX/year> ) I received several emails from Chase with the first one stating that I have a new credit cart approved through them with account ending in XXXX. Then I received an email stating that I activated my phone ( but not my phone number ) to use the Chase mobile app. Next email from Chase was a notification that I signed in with a new device ( XXXX XXXX XXXX ) -- which I don't have. The next email stated that I was signed up for paperless communication. The next email was an alert that had a change in contact information. The next email stated that I have now signed in with a new device ( XXXX XXXX ). The last email stated that Account Alerts through the Chase app were set up for the XXXX. The first email was time stamped XXXXXXXX XXXX CT and the last at XXXXXXXX XXXX CT. 

I tried to contact Chase, but I can not get through to talk to a representative because I don't have a complete account number to give them -- just the last four digits. I don't have any account with them. 

I realize that those emails could be phishing emails, but I also don't want anyone to open an account on my name. I did receive an alert right after the email that I was approved for the Chase card through my XXXX XXXXXXXX account that XXXX credit had an update to my credit report and when I checked that report, it listed JPMCB had made a credit inquiry. 

The email had my name and email address. I don't know if they also used my SSN and address to also be able to get the credit card, but I would guess that those are also compromised. Since they opted for paperless communication, not sure if they listed by address as the billing address,
Product: Debt collection

I.C system has been trying to collect a debt I do n't owe.The original owner of the debt was XXXX.A power provider that advertises its services without the need of a contract or even credit check.My obligation to XXXX was fulfilled and no balance was due upon the termination of service. However, XXXX claims that a contract was entered and an early termination fee is due.Such charge was disputed and removed from my credit report back in XXXX of 2015. However, I.C system is once again trying to collect on a account they know to well is satisfied.Furthermore, they 're once again reporting negative information to the credit bureau.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to DELETE these inaccurate items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>