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

XXXX XXXX XXXX days late in XX/XX/XXXX, XXXX XXXX ad XXXX XXXX. 

XXXX XXXXXXXX XXXX  XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Mortgage

I have been trying to do a short sale for months and have not heard from my mortgage company since XXXX. Please help me with resolving this issue as I have a foreclosure sale next month.
Product: Debt collection

I have been receiving calls from STP processing for awhile now and they rarely leave messages. I have been injured and not able to properly communicate over the phone until recently. They call me a few times if not more each day. They have called my old employment and family even though they have my phone number that is still in full function. They have threatened a pending legal action and putting me in jail. They have not told me what the debt is or who they are associated with and I have never received anything in the mail from anyone about this matter.
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This orginal accont was opened through XXXX XXXX XXXX XXXX with a balance owed of {$870.00}. This account was opened XXXX XXXX, XXXX, ( XXXX XXXX XXXX ). This company has been calling countlessly for a the past XXXX months, along with emails. They will call from numerous different numbers harassing me about this debt owed. 

There is also another account with the same collection agency for XXXX XXXX XXXX XXXX, with a balance owed of {$580.00}. This account was opened on XXXX XXXX, XXXX ( XXXX, XXXX ). 

These XXXX open accounts on my credit has also had a negative impact on my credit scores and credit report.
Product: Debt collection

Provided me with a report summary which is not proof of ownership and a right to collect on the debt. Failed to provide me with a purchase agreement to let me know whom has had ownership of the debt, how they can collect on the debt, if they can sue on the debt. Nothing was provided.
Product: Mortgage

Chase Mortgage has reported a late payment on my credit report. To my knowledge, I have not been late in over a year. They are giving me conflicting information, hard to get ahold of the escalation manager on my case and then sent me a letter saying they have been trying to get ahold of me when I have been the one calling them multiple times and leaving messages. I have made my payments using their website. They have transferred my mortgage to XXXX and now I no longer have access to my online account, taking away large pieces of information I need to properly dispute this negative credit reporting in XX/XX/2016. Proof has been submitted and still rejected by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I reached out with a demand to comply letter to Equifax to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the incorrect items on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit card or prepaid card

Well Fargo is fraudulently working with people to use ATM card. Well Fargo claims that I used my ATM card on XX/XX/22. Well Fargo did a shady investigation and refused to refund back my money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

I never did business with west lake services. Theyre adding payment history thats not mine. Remove this account immediately.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

Pacific Credit Exchange, is reporting paid off closed account on my credit report, the payment status show past due amount {$6900.00}. Pacific Credit Exchange changed the Collection opened date XX/XX/XXXX the open date showing now XX/XX/XXXX generated report date XX/XX/XXXX showing on my XXXX credit report. Pacific Credit Exchange balance was showing {$6000.00} date XX/XX/XXXX now show {$6900.00} date XX/XX/XXXX unauthorized payment these or violations. Pacific Credit Exchange is reporting a incorrect address on my credit report, showing XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX I notify, Pacific Credit Exchange about the change and forwarded it to the post official date XX/XX/XXXX I have attached a copy of my report with the accounts in question circled.
Product: Credit card or prepaid card

Ive taken multiple actions to contact the company in regards to my accounts its been months since i received any help towards my issue i recently was approved for the Apple credit card through Goldman Sachs during my first two days of having the card it was restricted with out reasoning they asked me to confirm my identity which i did and still received no resolution after weeks of waiting for a response my card is still restricted whenever i contact super they give me the same answer with no results the company seems to have to desire to help me and just build interest on my account they wont allow me to make payments or use the card making interest constantly build and forcing my credit score to drop dramatically
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.
1. This is a billing error under US Code Law 1666B. As a consumer by law these accounts on this letter must be updated or deleted immediately XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This is a billing error under US Code Law 1666B. As a consumer by law these accounts on this letter must be updated or deleted immediately XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under XXXX XXXX XXXX civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Product: Mortgage

I worked for the XXXX. My knees were bad and I had to get XXXX benefits. 
I had a mortgage with " Central Mortgage Company '' and insurance that would cover my mortgage if I became XXXX and couldn't work. But I completely forgot about it and paid off the rest of my mortgage. The interest rates were high at the time and I could barely pay that amount, so I thought that was the best option. I couldn't work and I needed a house. So I paid off my house mortgage with " Central Mortgage Company '' at XXXX XXXX. I didn't think about that insurance because I couldn't think of that many problems at the time.

But one day, I realized that I had insurance that would cover my mortgage if I became disabled and couldn't work. So I wrote to Central Mortgage Company, but I never heard back. That was a few years ago. It is : Central Mortgage Company XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tax ID : XXXX Phone : ( XXXX ) XXXX. 

My Loan ID : XXXX Can I get that money? 
Can you help me?
Product: Mortgage

My Loan was sold to LOANCARE. My first mortgage payment was due XX/XX/XXXX. I received a mortgage statement showing my payment was less than expected. I called LOANCARE and they said they show a credit and to make the payment on the statement. I did. ( please see the statement and payment out of my bank account ) I started getting phone calls from Loancare about not making my payments shortly after this. I kept telling them that we made the payment per their instruction. Thereafter, they kept calling and calling about a missed payment. They put on my following months statements a full month payment being missed. I made XXXX and XXXX payments when I started getting phone calls from Loancare once again. I asked for a manager after conversations Loancare trying to clear this up and they told me they would call me back. Never received a call back. Yet once again getting more calls from Loancare harassing me about my payments. I have called them numerous times with no return calls after they said they would call me back. Finally, I reached out to my loan officer that I did my loan through to help me. I then received a phone call and a letter in the mail that the correction was made. NOW, I am getting another letter stating I am still late and no payment was received. I have numerous amounts of recorded conversations with Loancare documenting what I am referring to. Also, I have documents I can upload supporting these timelines. I have never been late and I have followed Loancares direction on what to pay originally after I questioned the payment amount. I need some assistance getting this cleared up as I have spoken to Loancare SEVERAL times, waiting on hold for over XXXX hours to speak someone, been told they would call me back and never did, and then have a letter being told this is corrected and yet still get harrased by phone calls telling me I still owe. This is unacceptable from a mortgage servicer to scare me about a payment that has been made. I am afraid they are going to put me in foreclosure.
Product: Consumer Loan

Lobel Financial is harrassing me at work. I am defaulted on the loan and they have continously called me at work harrassing me.
Product: Credit reporting or other personal consumer reports

Hello I am filing this complaint because I was affected by the XXXX data breach and I'm a victim of identity theft and all these accounts below listed are not mine and I have never authorized to open any of these accounts listed below please remove them immediately off all credit report agencies Accts to remove XXXX : Collections XXXX XXXX Credit Cards XXXX {$3000.00} XXXX {$960.00} XXXX {$2400.00} XXXX XXXX  XXXX XXXX {$14000.00} XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX  {$14000.00} XXXX  XXXX {$31000.00} XXXX  {$4600.00} XXXX XXXX  {$12000.00} XXXX XXXX  {$24000.00} XXXX  {$9200.00} XXXX  {$0.00} Charge off XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  closed charge off. 



All inquires XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & ENHANCED RECOVERY CO. Debt under penalty of perjury.

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Product: Debt collection

I WANT XXXX TO STOP REPORTING ; TRANSWORLD SYSTEMS AND XXXXXXXX XXXX XXXXXXXX AND ANY OTHER DEBT ON MY CREDIT REPORT WITHOUT A DEBT VALIDATION CLAIM.THAT IS, 1.DETAILED LIST OF PAYMENT HISTORY ON THE ACCOUNT 2.ORIGINAL SIGNATURE THAT I AGREED TO ON CONTRACT FOR THESE CREDITORS 3.HAS THERE BEEN ANY INSURANCE CLAIM FILED ON THIS DEBT 4.CHAIN OF TITLE THAT YOU HAVE TO COLLECT ON POSTED DEBTS FAILURE TO DO SO UNDER 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT SAID CREDITORS MUST PROVIDE THIS INFORMATION IN WRITING WITHIN 5 DAYS, OR THESE NEGATIVE ITEMS MUST BE DELETED FROM MY REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DOB : XX/XX/XXXX | XXXX : XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Current Employer : XXXXXXXX XXXX XXXX  I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls.

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary.

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Section 605 of the FCRA : This section prohibits the inclusion of outdated information in credit reports. Please ensure that any outdated information not meeting the FCRAs timing requirements is removed.

Section 623 of the FCRA : This section requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when it is disputed by the consumer.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and XXXX  stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit card

On XX/XX/XXXX i reported my Target card stolen. On 2 separate occasions i received 2 cards that did not offer me access to my account via phone ( i never use online ). On XX/XX/XXXX i called to pay my bill and found someone had used another card endimg XXXX and created XXXX online account with 2 payments to place the account in a negative. I blocked the account on XX/XX/XXXX, i can not access myself since. I did that, not Target as they claim. It's been 3 months of aggravated financial distress. I froze my credit bureau accounts, reported and placed hard protection to IRS and social security for this identity theft. Target claimed 1 payment was mine returned ( not true ) and that they repaid the person who hacked me. Lately i asked for some kind of compensation. They do not want to oblige. But now i received a letter cc : CFPB claiming my account was not reported overlimit to my credit bureaus. It was reported paid with the fraudulent charges {$130.00} as my balance. And another time " overlimit '' at {$5000.00}. My score was lowered placing me in further financial distress. They charged interest while this investigation was occuring. My last balance should be {$4900.00}. And i have not received a bill since XX/XX/XXXX showing the fraudulent charges as my balance {$130.00}. 
I will not pay any interest nor late charges. Consumers still have rights. This country is not a dictatorship where we reward identity thieves. I demand fairness. We still don't know what Target did with the {$10000.00} payments made to my account.
Product: Student loan

President Biden has out a pause on student loan payments and Navient has continue even thought I have notified them several time to charge me and charge late fees and interest to my account. They act like they are above all other student loan companies. They have ruined my credit by reporting late payments which they should not be doing so since this is on pause. 

Today, the U.S. Department of Education ( Department ) announced a final extension of the pause on student loan repayment, interest, and collections through XX/XX/XXXX. Borrowers should plan to resume payments in XX/XX/XXXX. While the economy continues to improve, COVID cases remain at an elevated level, and the President has made clear that pandemic-related relief should be phased out responsibly so that people do not suffer unnecessary financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I have recently been informed that there is negative information reported by United States Bankruptcy Court, in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX  Bankruptcy & XXXX XXXX  Bankruptcy in XX/XX/XXXX & XX/XX/XXXX I challenge the accuracy, compliance and reportability of this listing and I ask for any documents bearing my signature. They all responded back saying they received this information from the United States Bankruptcy Court. So I then sent a letter to United States Bankruptcy Court asking them why they sent this information to the credit bureau. The United States Bankruptcy Court responded back saying, The bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the " Credit Reporting Agencies ''. I am just a little confused why the credit reporting agencies lied for.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CREDIT COLL ( Original Creditor : XXXX XXXX  ) Account Number XXXX XXXX Account Name : CREDIT COLL XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX XXXX