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

I XXXX XXXX XXXX SOCIAL SECURITY # : XXXX ) the natural person did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. I already filled out a FTC report # XXXX, # XXXX, which is attached. My identity was stolen and fraudulent accounts were applied for in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws., I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. I sent the credit Bureaus a letter on XX/XX/2021 stating that these accounts were fraudulent, and they were supposed to remove it after 4 days. it is now XX/XX/2021 and these items are still on my credit report. This is illegal for them still report this against the FCRA Laws. I feel like my Consumer rights are violated and I hope the CFPB will take action.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructio

ns 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 he information is inaccurate.
Product: Checking or savings account

I deposit {$4500.00} into a cash deposit for my girlfriend, and Sunday XXXX stole the money intended for my girlfriend, I went back to the Wells Fargo Bank to report to them that my money was stolen by a scammer who took my girlfriend money. I made a police report with the XXXX Police Department, as well with XXXX. I want this fraud be investigated and find those out there scamming people out of their money. XXXX XXXX
Product: Payday loan, title loan, or personal loan

The problem is that the payment is {$540.00} a day which is too hard for me. I didnt understand that I will have to pay {$540.00} a day. I thought it would be weekly. Also, when they told me the rate is 1.1 %, I thought it was monthly but they meant daily. I feel like I was trapped into this loan.
Product: Credit card or prepaid card

I have attempted to fix this issue with the company for several months. I purchased a ring when I entered the store the let me know their machines were having issues. They explained the terms to me as free interest. I paid on time, every month, paying extra every month. The ending balance before the dispute was XXXX my next bill was XXXX. I was surprised and thought it was a glitch. I called the company and they let me know the sales person signed me up for 18 months deferred interest where If I did not pay the entire amount I would be " back charged '' interest. I was never told this, nor did I agree to these terms. I have asked the company to return it to the what is rightfully owed to them and I will pay interest on what in reality is owed to them. 

I have also asked them to provide me with a contract of what I signed since they were unable to provide me one at time of purchase. They are unable to provide me with a contract, I never agreed on these terms nor can they show me I agreed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a closed account on credit report, reporting inaccurate information on my XXXX and XXXX report. Reporting different payment statuses and last active information between the two bureaus.
Product: Mortgage

XXXX XXXX aka Mr. Cooper aka Nationstar has continued to provide incorrect, misleading & contradicting information which has lead to them now beginning a foreclosure complaint while they continue with RESPA Violations. 
1. Never sent a Notice Of Intent to Foreclosure Letter & yet continue to say they did in XX/XX/2023. 
2. If they did send this alleged NOI Letter the USPS tracking they included with the debt validation reply shows NOI Letter was not delivered by mail and/or certified as the rules/law state. 
3. If they did send this alleged NOI Letter in XX/XX/2023 the mortgage payment due was less than 50 days late and NOI Letter should not be mailed after less than 2 full months arrears that were still be questioned by us with the Servicer. 
4. In the XXXX Debt Validation letter reply XXXX  XXXX states the alleged NOI Letter in XX/XX/2023 amount was for {$24000.00} when at the very most any mortgage debt balance in question would have been approximately {$8700.00}. 
5. In the XXXX Debt Validation letter reply XXXX  XXXX states that the investor is XXXX Asset Backed XXXX Trust. 
6. In the XX/XX/XXXX Foreclosure Complaint the Plaintiff states the investor is XXXX XXXX XXXXXXXX  who they claim was the investor from an assignment of mortgage and was the investor in XX/XX/XXXX  which clearly contradicts XXXX XXXX  reply in XXXX  debt validation letter. 

These continued contradictions and misleading replies has caused us both financial and emotional distress due to their RESPA VIOLATIONS and need to be rectified and any foreclosure complaint to be cancelled immediately.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT BASED ON PERSONAL INFORMATION BEING COMPROMISED BY THE 2017 XXXX DATA BREACH. I HAVE ENCLOSED A FTC REPORT/POLICE REPORT AND OTHER IDENTIFYING INFORMATION SO THAT YOU CAN BLOCK THE ITEM LISTED ON MY FTC REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX, TransUnion, XXXX, and XXXX multiple times to correct the errors on my account. All 4 CRAs have violated my consumer rights by reporting inaccurate information and have failed to properly investigate my inaccuracies. Please see the list below : I have filed an FTC report # XXXX. These accounts are not mine and I have never been seen at any of these medical facilities. 
XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX My car has not been repossessed and having trouble getting a report as proof. 
XXXX XXXX XXXX Repossessions
Product: Credit reporting or other personal consumer reports

Address XXXX XXXX XXXX needs to be removed from report No knowledge of these accounts XXXX XXXX  closed account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FIRST PROBLEMATIC ACCOUNT IS 1 ) XXXX XXXX ( XXXX ) XXXX XXXX # XXXX OR XXXX XXXX XXXXXXXX ( XXXX XXXX/ XXXX # XXXX AMOUNT {$0.00}. THIS ACCOUNT IS INACCURATE AT THIS POINT ITS FRAUD, THEY REPORTED AN ACCOUNT AS BEING LATE WHEN IT WAS WITH A WHOLE DIFFERENT COMPANY. NO FEEDBACK WAS NEVER GIVEN BECAUSE THEY WRONGFULLY REPORTED LATES TO MY ACCOUNT ( ACCOUNT WAS IN DEFERMENT/FORBEARANCE ). XXXX AND XXXX NEED TO REMOVE FROM MY FILE IMMEDIATELY. THE NEXT ACCOUNT IS 2 ) XXXX # XXXX AMOUNT {$3400.00}. THIS ACCOUNT WAS REMOVED FROM MY FILE AND REPLACED ON THERE ( I BELIEVE TWICE ). ITS ONLY ON XXXX. I'VE SENT IN A COPY OF AN OLD XXXX LETTER STATING IT WAS REMOVED YEARS AGO. BOTH ACCOUNTS NEED TO BE REMOVED FROM XXXX AND XXXX IMMEDIATELY. I'M GON NA FILE A CIVIL LAWSUIT AGAINST ALL 4 COMPANIES IF THESE ACCOUNTS CONTINTE TO LINGER FRAUDULENTLY ON MY FILES.
Product: Mortgage

M & T bank paid late fee interest out of escrow account although it was bank 's fault for not paying property tax on time. I had more than enough balance in my escrow, but bank paid taxes late and then paid late payment interest from my escrow in XXXX XXXX Taxes should have been paid by XXXX XXXX. I should've never paid interest or late fee out of escrow for bank 's mistake, and this is foul practice. I am sure this kind of practice happened to other customers as well, and they should be investigated for this kind of practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported incorrect that I had a {$400.00} debt on my credit card on XX/XX/XXXX, even though I remitted payment on the due date which was XX/XX/XXXX when my account was current and I didn't owe them any money. 

They repeatedly send the incorrect information to the credit reporting agencies in a attempt too harass people to send more money or send money they don't owe. I called them and they said my account was current. I've called them multiple times and been hung up on, lied to and given the incorrect information. 

XXXX  submit false information to get customers to contact them and is slow to fix errors, if they ever. 

I will be leaving this bank as soon as possible, don't put your financial well-being at risk with these people.
Product: Credit reporting or other personal consumer reports

Opt out letter sent to company revoking /rescinding any permission to report on my consumer report, letter sent on XX/XX/XXXX, it was received by them XX/XX/XXXX, gave them 10 days to comply and remove all entries on my credit report today XX/XX/XXXX is the XXXX day certified mail # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( Credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information, you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft, and Experian does not investigate my claims properly and they disregard the credit law that falls under identity theft. They make they own rules as they go depending on who you're dealing with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXXXXXX XXXX XXXX XXXX 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

For many years, I have had 2 mtgs. on XXXX, KY properties, and I live there and in XXXX.Since inception, mtg. pmts. have been debited from XXXX XXXX. In XX/XX/XXXX, XXXX had insufficient monies, so I asked PHH, the servicer, on a one time basis, to debit XXXX. In XX/XX/XXXX, rather than debit XXXX, PHH debited XXXX in error, & payments were returned. In late XX/XX/XXXX, I returned to XXXX, and opened a letter from XXXX XXXX at PHH dated XX/XX/20, saying she was my case manager, and to call her, which I did. However, each time, a recording said the extension was not available, and I was transferred to a call center in XXXX. I asked to be connected to her extension, and they tried often, without success, due to problems with their phone system. Finally, I got her email address, and only then, did she call me. I advised of the PHH error with XXXX, and that I wanted her to debit XXXX to bring my loans current, and to restore auto debits. She said she would have to research, and get back to me.She called and left VMs for me, but each time I called her, I got XXXX, and they could not transfer me to her! On XXXX, I called her again, got XXXX, & was advised that my loans were sent to foreclosure. This is outrageous and pure incompetence by PHH! I am in XXXX, where I bought a house to retire, and mailed a cashiers check to her today for the XXXXXX/XX/XXXXpmts., again asking her to restore XXXX auto debits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$16000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I would like to tell you that I have a terrible situation because I found strange accounts in my credit report. For sure these accounts are not mine and I filed a report of identity theft because I was hacked by someone and they stole my personal information. In some time these accounts appeared so please I kindly ask you to apply investigation and check those accounts. Also it would be nice if you can take them away/ delete from my credit profile because its not fair to have them due to fraud. Its not my mistake or fault so please remove them and thank you for understanding. 

Have a great day!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX With this account I did not have late payments. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

( XXXX XXXX XXXX XXXX
Product: Mortgage

I listed my property for sale in XXXX and it went under contract quickly. The closing attorney requested a copy of the title showing Mr. Cooper as the lien holder. According to the SCDMV XXXX XXXX XXXX was still named as the lien holder which I never had as a lender. My closing attorney said they needed to get a duplicate title from the DMV naming Mr. Cooper as the lien holder. I have been in contact with several people at Mr. Cooper concerning this since XXXX. XXXX XXXX has been the primary contact. I also spoke to a XXXX in the escalation department. For a week I have left voicemails with both people and have not been called back. I explained that I can not afford to pay two mortgage payments and that I need to sell my property ASAP. This has held up the sale of my property for 3 months now. I call them at least once a week and get the same answer that nothing has changed. This property was purchased in XXXX and Mr. Cooper has had it since I believe XXXX. The title has never been changed in XXXX XXXX and no one can tell me who the XXXX XXXX XXXX is and why they are on the title. Mr. Cooper has failed to get the paperwork completed and filed when they took this loan over and now I am suffering for their mistakes financially. If you own a mobile home, I would check to see if the title is correct. My attorney told me this is very common for Mr. Cooper to NOT have the title in order and is why he always requests a title before proceeding with a closing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX