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

This is 2nd complaint about the loan modification flag on my credit for the months XXXX and XXXX. The company responded that they made a mistake in XXXX. But has not corrected XXXX. I have not requested a loan modification. The company sent me a letter acknowledging their error for XXXX but has not sent a letter acknowledging the XX/XX/XXXX issue. The XXXX report is the same type as the XXXX and XXXX errors and is evident by way of their own written notice to me admitting the error they made the same error in XXXX and XXXX. Attached is the letter as well as the credit reporting for XXXX. In the letter they state they are reporting the loan u der a non governmental plan for XXXX, this is not correct. Please see the credit alert attachment clearly states " LOAN MODIFICATION " as of XX/XX/XXXX. PLEASE CORRECT YOUR ERROR AGAIN. These fraudulent reporting is negatively affecting my credit. What is my legal recourse? At what point does this become fraudulent!! At what point do their action become criminal. Please contact me with legal recourse I formation CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 a company called XXXX XXXX XXXX called my cell phone and my place of business notifying me that all entities associated with my social security number will be suspended. The recording also says that charges will be brought against me in the court of law in the XXXX XXXX county and in civil court. I called them back. I asked for a website. The representative said it was under construction. The case manager got on the phone and threatened me with a felony charge and intent to fraud a financial institution. She read me my full social security number, address, bank account information, and phone numbers. I did call the company check n go and verified the account. However, they did sell the account. I was able to contact the current collector XXXX XXXX XXXX and pay them in full. The amount that XXXX XXXX stated was XXXX when XXXX dollars was the amount owed. I am worried that this fraudulent company has all my personal information. I am very shaken by the threats of being served at my home and being charged with a felony through the district attorney office. I hope by launching a complaint that this company can be stopped from terrorizing me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time attempting to get this information removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called transunion numerous times and they stated they would remove inquiries. The inquiries are still on my report. I demand to be removed immediately
Product: Debt collection

This company ICS Systems have called me several times looking for someone else. I have told me repeatedly to stop calling me and they have refused. They told me the call was recorded and I did not want it recorded. I also explained to them that legally they can not keep calling me. So now I will look to file a lawsuit against them if they continue to call my phone number. They are a collection agency and I owe them nothing
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made 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 in months that are reported late 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 XXXXXXXX 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: Checking or savings account

Bank required {$1000.00} in direct deposit for 3 months. {$1000.00} in direct deposits were made to the bank for 3 months. Award was meant to payout in XXXX. 

XX/XX/21 : Sent message through online portal, no response. 

XX/XX/21 : Called main Bank of the West line ( XXXX ), transferred to local bank, who said they will " look into it '' and send an email the following day, received no further communication.
Product: Credit card

About a month ago, my credit card was compromised which required me to get a new card with a new number, during this process Barclays Bank of Delaware declined XXXX recurring charges for my gym membership in the amount of {$17.00} two times for both my membership and my wife 's. A few days later, due to the payment being declined the gym submitted XXXX charges of {$42.00} ( {$17.00} membership fee + {$25.00} late fee ) which Barclays allowed to be charged to the cancelled card. I have been disputing the {$25.00} portion of the XXXX charges with Barclays as in my opinion this late fee was charged to me due to their actions.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX credit card a few years ago. I paid the balance and closed the credit card. I was contacted by the store manager by phone. He asked me why I closed the account. I replied I didn't need it anymore. XXXX XXXX has been reporting my account as delinquent for years. They ruined my credit score. Some one in the store is responsible for this. I want an investigation about this. I paid the credit card and I closed it. Why would they report my account as delinquent? And why XXXX, XXXX and equifax took so long to understand that The report was false.?
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though their own policy states a consumer can make comments they never have allowed them to be posted. Fact ... a multiple number of reports to confirm that. 
Their latest report another confirmation of their failure ... .rept file XXXX illustrates that deliberate omission. Furthermore they have a number of incorrect cell and phone numbers years old. If we throw in the fact that foreign person 's have access to AMERICANS PERSONAL critical INFORMATION because THEY ARE AN English company located there speaks to the hidden lie protecting you data. When we add all the companies that are allowed to continually access your report there is no way you will ever achieve a good credit score and lenders themselves confirm by fact the Fico score provided by the bureau is always wrong by 40 points or more and do not even come close to each other 's scores. Sadly these facts by opinion are an indication of the great facade of credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Uacc # XXXX is reporting a debt on my credit file that I do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed from my credit file.
Product: Vehicle loan or lease

I was notified that XXXX XXXX XXXX XXXX, Credit Acceptance Corporation, XXXX XXXX XXXX, XXXX XXXX  has knowingly and unlawfully committed fraud under U.S.federal law Code Chapter 41 Title 15 Section 1605 and Title 15 Section 1635, Part B.

I discovered that the truth to disclose U.S. federal law Title 15 Section 1635 has been violated. I have the right to rescind the contract at any time. I rescind the contract for the sale of a XXXX XXXX XXXX XXXX, white XXXX with date of sale milage of XXXX, stock # XXXX, VIN # XXXX. A down payment was requested, GAP insurance and CPI full coverage insurance. I submitted {$2500.00} cash to complete the bill of sale they accepted. I was notified that no amount of down payment should have been requested and added in the sum of all total charges. The fact listed in US federal law Title 15 Section 1605. Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. 

XXXX XXXX XXXX XXXX, failed to disclose the legal law I could rescind contract and also due to your request to pay a cash down payment and a cash out of pocket purchase of insurance. The fact listed in US federal law Title 15 Section 1635. I am requesting the full refund of the sum of all total charges and return all down payment, finance amount including finance charges and additional insurance purchased on XX/XX/XXXX.
Product: Checking or savings account

I have been banking with ING direct for a long time to get best interest for saving account. ING direct have given us interest as promised never tricked. In XX/XX/XXXX, Capital one bought ING direct and converted our accounts to Capital One 360. They have been managing same way till XXXX. We got under the impression that they are doing the same as ING direct. In XXXX all of sudden they created another type of saving account ( 360 performance ) for better interest and brought down interest on this account without any information. We always thought what ever account we have is giving the best interest they are showing on their website. Only this year we realized that our account type is giving lowest saving interest. for the last 3 years we received lowest interest possible. We believe they purposeful did this trick by not informing. ING direct always very straight forward and maintain only one type of saving account. Capital One never bothered to inform when they introduced new type saving account. Like us lots of customers would have lost interest because of this trick. I have lost lots of money because of this trick by capital one. Can you please help us resolve this issue. Please let us know if you need any details to prove this Thank you
Product: Money transfer, virtual currency, or money service

I am in a process of buying a house in XXXX XXXX, NY. I suppose to close next month and my balance is {$52000.00} plus closing fees. I was contacted via email by a paralegal XXXX XXXX XXXX and as per her email I was asked to put money into an escrow account. I went to Chase branch on XXXX and completed a wire transfer with an assistance from a banker. When I got home I emailed XXXX and said that I just wired the money and please confirm once received. No answer and he next day I called her and she was surprised to hear about the wire. I immediately checked her email domain name and the fake one. Her email signature was real-everything looks the same, except that I noticed that there was double " i '' in the attorney 's last name. Also when I saw the confirmation of a wire transfer I got very suspicious when I saw " XXXX XXXX XXXX XXXX XXXX Tx ''. I report it ASAP to Chase on XXXX.I first called a banker who assisted me on XXXX, XXXX XXXX XXXX but she said that I need to call a customer service and gave me a number. I called and Chase started an investigation. 
Then I called DA office, my local police precinct and went to the precinct to complete a report and provide emails and copies of bank records. I also informed my loan originator, seller 's real-estate agent about this and told them not to send any emails to my old email address since I believe it was compromised. On XXXX I spoke to a Detective from XXXX XXXX in XXXX and sent documents to him. 
I hope that you can also assist me in this case. 

Thank you, XXXX
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. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX XXXX  Account numberXXXX  Account name : XXXX XXXX  Account numberXXXX Account name : XXXX XXXX  Account number : XXXX XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late 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 writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to along with an account that should no longer be reporting on my account.. Upon reviewing my credit report, I discovered the following unauthorized accounts : 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 I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately.

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent, that I the consumer did in fact open the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if you are notified by the consumer about something on their credit report because of identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the account I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been sent from your bureau. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed. 

Thank you for your attention to this matter. 

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

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$6100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XX/XX/XXXX {$90.00} XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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