23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX XXXX. 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 XXXX 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 XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX
Product: Debt collection

Assetcare LLC flagged my credit reports with unverified medical collection information on XX/XX/2021. A dispute was filed with all 3 major bureaus and this account was removed from XXXX  and XXXX  immediately. 
XXXX  verified the information as accurate and Assetcare flagged my XXXX  credit file again with the same information on XX/XX/2021. 
I have decided to conduct my own investigation. I have never experienced a debt collection company : add their account to my credit file violating my HIPPA rights with unverified information, providing no contracts to prove I received any goods or services to support their claim that I actually owe a debt while failing to provide where they received my information. 
Please be advised that Assetcare LLC is not licensed to collect in my state, Assetcare are debt collectors with no contracts to support their claim of a debt owed Assetcare are not accredited by the XXXX  nor, does Assetcare have a XXXX 's number
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax in XX/XX/XXXX to have my comments/personal statement removed from my credit report because I was in the process of applying for a mortgage and the underwriter wanted my comments removed. Not any of the comments/personal statement notes were removed after my initial request. 
I called Equifax back in XX/XX/XXXX and nothing was done and no one had any record of my request. I again requested that the comments/personal statements be removed. I called back and a " customer service " supervisor '' stated that I was given erroneous information and that a dispute form was not needed and a statement was easy to remove. I was told that this may take 30 days to update. I check back 30, and 60 days to see if any changes were reflected on my credit report. I waited and as of XX/XX/XXXX, all of the cases that I opened have been closed as completed and nothing has been done about my multiple requests to have my comments/personal statements removed. I ran my credit report on XX/XX/XXXX and all of the comments are still showing on my credit report. This is delaying my opportunity to obtain a mortgage. I need immediate attention to this problem completed ASAP.
Product: Debt collection

3 different collections I settled with XXXX XXXX to completely delete them from my account and I have proof and it has only updated to me paying some of it. When we paid for delete. Walmart XXXX XXXX sent to collections with XXXX should be deleted than 2 capital one bank cards I paid for delete also I paid a XXXX XXXX XXXX which was settled for less and a Kohl 's settles for less
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax Regarding Mishandling of Identity Theft Dispute Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax for the mishandling of my identity theft dispute, which I initiated on XX/XX/year>, via the Consumer Financial Protection Bureau ( CFPB ). My complaint relates to XXXX failure to attach critical documents I submitted to support my case and their apparent lack of timely action in resolving this urgent matter. 

On XX/XX/year>, I contacted Equifax to inquire about the status of my dispute and verify whether the documentation I had submitted was received. I was informed that my dispute was under investigation. However, I was also told that no documents had been attached to my case. This is highly concerning, as I uploaded several items of material evidence, including medical records, through the CFPB portal at the time of initiating the complaint. 

The CFPB complaint numbers are as follows : XXXX XXXX XXXX The evidence I provided, which includes medical records, is essential to substantiating my claim of identity theft. Yet, XXXX mail-in department has failed to attach these documents to my dispute, causing unnecessary delays. Given the urgency and federal guidelines surrounding identity theft disputes, Equifax is required to resolve such matters within XXXX business days. 

Today marks the third business day, and my documentation remains unprocessed. On XX/XX/year>, Equifax representatives confirmed that my documents were still not attached to my dispute. This raises serious concerns about XXXX commitment to resolving disputes in compliance with consumer protection laws. 

To ensure my case is handled properly and without further delay, I am resubmitting the information and requesting the XXXX XXXX XXXX assistance in holding Equifax accountable. Specifically, I seek the following : 1. Immediate attachment and review of the documents I provided to support my dispute.

2. A timely resolution of my identity theft complaint, including the removal of the disputed item from my credit report.

3. Assurance that Equifax will adhere to applicable regulations and timeframes for dispute resolution moving forward. 

Please let me know if additional information is required to process this complaint. I appreciate your attention to this matter and look forward to your assistance in ensuring Equifax fulfills its obligations promptly and responsibly. 

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

XXXX shows a transaction as received to Robinhood. This means the money is already in my bank and should be available to me. My bank is holding the funds for security reasons for 5 days. This is not normal for sale transfers which typically is instant or a few minutes. I had to walk 10 mi because of this with my came as I've XXXX XXXX XXXX XXXX  Bank has neither confirmed nor denied a written statement about holds. I'm submitting to you as well as the OCC.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding my recent attempt to obtain a copy of the 1099-C form for a personal loan and credit card account, both of which are reported as charged off on my credit report by XXXX XXXX XXXX XXXX XXXX Despite making a formal request over the phone for the 1099-C form, I have not received the document as requested. 

The charged-off accounts are listed on my credit report, but I have not been provided with the corresponding 1099-C, which I believe is necessary for accurate tax reporting and financial record-keeping. 

I respectfully request that XXXX XXXX XXXX XXXX provide the 1099-C form for both the personal loan and credit card accounts, or provide clarification on why the form has not been issued. This delay is causing significant confusion and concern, as it directly impacts my tax reporting obligations and financial status to prevent fraud. 

Please assist in resolving this matter as promptly as possible. 

Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXXXXXX The information listed below, which appears on my credit report, is the result of that XXXX 


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

The following ( Experian, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


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

Experian 's own policy is for it as a CRA to conduct an invetsigation by evaluating the documents submitted with a consumer dispute and evaluate the validity of the information supplied by a data furnisher against the documentation supplied with the dispute. In CFPB complaint XXXX, I supplied experian with documents I submitted that were on XXXX  letterhead Those documents, to include the narratives provided by XXXX  in response to prior BFPB complaints clearly contradicts the data XXXX  is supplying to Experian regarding my accounts through the eOSCAR system. Experian 's response clearly states the extent to which they actually conducted an investigation was to " contact the data furnisher, '' and have the data furnisher " verify '' the accuracy of the records to Experian. Any cursory inspection of the documents I provided to Experian would clearly indicate WF 1 ) violated the MPN with respect to billing, 2 ) violated CFPBs interpretation of Regulation Z, and the FCRA. Now, Experian was made aware that XXXX XXXX has a track record of engaging in this behavior because I also provided with Experian documents surrounding 2016-CFPB-013, which clearly indicated XXXX was engaging in illegal billing practices AND REFUSING TO UPDATE ERRONEOUS information it supplied to the CRAs. Despite this, Experian 's own response to the CFPB regarding the investigation shows a willingness to " TRUST '' the data returned by the data furnisher via the eOSCAR system, in this case XXXX. The point is after around fifty ( 50 ) complaints that provided increasingly damning evidence of XXXX XXXX 's repeated billing irregularities, haphazard compliance with Regulation Z, FCRA, and 12 CFR 1026, it is clear that Experian knows, OR SHOULD BY NOW KNOW, the information supplied by XXXX for my student loan accounts is inaccurate based upon a cursory review of the documentation. Experian is now just as culpable as XXXX in damaging my credit worthiness because it is continuing to aggregate patently erroneous data, invalid and/or unverifiable information, and data supplied as a result of its non-compliance with the behaviors covered in 2016-CFPB-013. Experian is a custodian of records for my consumer behavior, repayment habits, and financing history. Experian 's continued inclusion of data supplied from a furnisher, that is contardicted by narratives from the data furnisher itself that has been supplied as a part of a consumer complaint, reflects flagrant disregard for consumer protection laws. That is, claiming to conudct an impartial " investigation, '' by simply transmitting documentation to a data furnisher, is a substitute for, and denial of, rights of Due Process afforded under 12 CFR 1026 and the FCRA.
Product: Debt collection

My name is XXXX XXXX. My credit score drop with XXXX XXXX XXXX points and it dropped with Experian XXXX points. I just noticed that my alert on my credit file stated that a new collection was placed on my account. I have never heard of the company called XXXX XXXX XXXX. But Experian and XXXX XXXX allow this company to place this on my consumer credit file. I have not received one correspondence by mail nor phone call. This is very stressful and overwhelming which causes XXXX. Attached you will find copies of what was on my Consumer file. Please remove. I have no idea about this company and I have never had an agreement. 

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.

I WAS NEVER GAVE WRITTEN INSTRUCTIONS REGARDING ANY OF THE SAID ITEMS TO BE PUT ON MY CONSUMER REPORT.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector all the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I NEVER CONSENTED TO THE DEBT COLLECTOR TO COMMUNICATE WITH ME 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer report and agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows our has reasonable cause to believe that the information is inaccurate. 

I HAVE UPLOADED THE ALLEGED DEBT AND DISCREPANCIES.
Product: Mortgage

I was working with NACA for over ( XXXX current XXXX ) a year to acquire a mortgage loan. My mortgage counselor XXXX XXXX XXXX asked me if there was anyone I can add as a co-signer. When I told her I didnt want to add anyone else, she went through my income and saw my child support. My mortgage counselor XXXX XXXX, then began to continually ask me to put my XXXX XXXX on my mortgage application for income reasons. I qualify on my own as the sole borrower, and told her I was completely comfortable with the amount I qualified for and could afford with my income. I informed her multiple times that I am not comfortable reaching out to my XXXX XXXX, nor am I comfortable with having him on my mortgage. I informed her I wanted to be on my mortgage loan by myself. XXXX XXXX did not respect my feelings about the matter. She continually asked on multiple occasions to add him as a co signer, informing me that I would qualify for a much larger loan to get a bigger house by adding his income. She said she was trying to help me get a bigger house. I told her I could not afford to pay a larger mortgage on my own. I informed her I could only afford the amount I qualified for by myself. She still continued to push for me to add him fully aware that it would put me in a position to be struggling tremendously to make the mortgage payments that were out of my affordability. Also I have payed NACA multiple fees as well as monies to obtain a mortgage loan as well as to run my credit report. I did not receive one nor did I even come close to receiving one in the entire time I tried working with NACA.They advertise that they offer free mortgage loan assistance. This company has pulled my credit multiple times for no reason as well. Since I have reached out to her supervisor, she refuses to return my email or calls. My counselor has canceled multiple appointments without reason. This company is still taking money from my account and I am still unable to get in touch with my counselor. I have requested for a different mortgage counselor, and I have reached out to her supervisor in regards to this situation and have not received any response since reporting this matter.
Product: Checking or savings account

The Bank of Oklahoma in violation of 15 USC section 1 and 2 utilized unfair practices to cause the respondents account to be delinquent. Bank of Oklahoma through credit discrimination utilized private information i.e., email to commit wire fraud in order to place the respondents account delenquent with XXXX XXXX to obstruct and impede trade and commerce. Bank of Oklahoma subsequent openn8ng of secured credit card to build credit inappropriately used the respondents information to cause harm and injury through the utilization of XXXX XXXX to deny further usage of the Bank. The bank using unfair practices misused the respondents information to leverage account and deny utilization of any other bank given the complaints ignorance. Furthermore, Bank of America using a third-party debt collector charged of accounts without providing the repondent with 1099 A, 1099B, 1099C, or 1099OID. Bank of Oklahoma breaching the contract by data breach placed the plaintiff in a compromising position. Moreover the Bank failing to take the proper precaution to protect the consumer cash a fraudulent check after using the complaintaints information to disguise as a opprotunity to nake extra money as a car wrap company. Equally important under HJR 192 there is no money and only unlimited credit which the bank intending to oppress and suppress complaintant demands the debt to be paid with a debt after using the respondents social security number to benefit and enrich Bank of Oklahoma. Bank of Oklahoma being responsible for the delinquency demands payment after breaching information to obstruct commerce. The bank using the respondents XXXX XXXX XXXX XXXX XXXX under the Social Security Number requires payment after failing IRS forms to charge off the account. Bank of Oklahoma using XXXX XXXX to obstruct the life, liberty, and pursuit of happinessmisappropriate tgeir fadicuary duties to hinder Power of Attorny over the account to disallow respondent tge ablity to utilize Other Peoples Money ( OPM ) to benefit the posterity and prosepeety of African-American Bankers. Bank of Oklahoma being aware there is no money reportedinformation to XXXX XXXX unfairly to disallow future utilzation of the bank after coming into the knowlegde of banking and trust after applying for secured credit card. The Bank of Oklahoma using unfair bank practices to obstruct growth of XXXX XXXX used a third party collection agency XXXX XXXX  ) to collect a debt. In addition, both the Bank and third party reporting agency using unfair practices in violation of tge Fair Credit Reporting Act reported the debt a charge-off through the third-party agency after causing the delinquency. Bank of Oklahoma in violation of tge Fair Credit Reporting Act Section 609 provided information to a third-party debt collector without permissible purpose
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I called Mountain Summit Financial customer service to make a partial payment on a loan. After requesting to make an early partial payment to reduce my amount owed, the agent informed me that she could only accept full payment to pay off the loan or increase my payment to the scheduled payment day, which was in 8 days. I explained that I wanted to make an early payment because of the high compounding interest of 776 % and requested to speak with a management member because it didn't make any logical sense that I couldn't make a partial payment. She replied, " I am the floor manager. '' I then requested to speak and have the name of the office director. She replied, " I am the manager and can't give you the name of the director. '' I then requested the names of : Chief Executive Officer Chief Financial Officer Chief Financial Office Head of Operations Head of Consuming Lending Director of Customer Compliant She refused to provide me the information. So, I filed a complaint with the XXXX XXXX XXXX because the company didn't provide consumers an option of paying off loans early. I have taken loans from various companies that offer their customers the option of paying off loans early. After reading my contract, the documents didn't include wording about clients not making partial earlier loans. I requested an email or call from management or corporate offices, such as the CEO, CFO, Compliance Office, or a member of the board of directors. Fourteen days later, I haven't received a response from a board of directors or management. 

Several days ago, I spoke with a customer service rep at Mountain Summit Financial to request all of my signed documents inorder to provide copies to the Consumer Financial Protection Bureau. Twenty days after requesting my financial documents, I haven't received any paper work to add to this compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I tried to dispute with all three major credit bureaus several items on my credit report. These items were as a result of identity theft and fraud. I informed all three credit bureaus over the phone and in writing of this identity theft and fraud. They investigated using the dispute item within their website yet they refuse to remove the unauthorized inquiries on my credit report which is causing my credit report score to plummet and multiple declinations for credit. These hard inquiries were unauthorized, of which I informed all three credit bureaus of that. They still refuse to remove the unauthorized hard inquiries. I then put a fraud alert and credit freeze on my report with all three major credit reporting bureaus and in response and retaliation they lowered my XXXX XXXX by almost XXXX points.
Product: Bank account or service

I opened a new savings account with Ally Bank on XX/XX/2017. I applied online, this was my first transaction with Ally Bank. During the setup, to fund the new savings account, Ally Bank asked for my " other bank '' information, specifically the login ID and passcode to my other bank account with a credit union where the moneys were to be transferred from. Ally Bank also asked for the answer to my security question on record with the other bank. I provided that information to Ally Bank. I would like to find out : is it appropriate for Ally Bank to ask for my other bank login ID, passcode and security question answer as part of setting up a new savings account with them? I also would like to find out if this new savings account is legitimate. I am concerned that perhaps it was not Ally Bank I provided my other bank information to but a fraudulent entity. I believe I have a savings account with Ally Bank, Routing / ABA Number : XXXX, Account Number : XXXX, it was funded with a {$30000.00} transfer from my credit union checking account. The current balance is {$30000.00} with a {$2000.00} transfer in pending. Is this a legitimate Ally Bank savings account? Thank You!
Product: Credit reporting or other personal consumer reports

Credit inquiries that i did not authorized : XXXX XXXX XXXX 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