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

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX XXXX XXXX  - Account Number:XXXX Please remove it from my public record XXXX XXXX - Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment.
Product: Credit card or prepaid card

On XX/XX/2023 I requested a formal investigation in regards to the Macys account reporting negatively on all three credit bureaus. In the document below a certified letter was sent asking the accuracy of the amount allegedly owed and proof its 100 % correct. Macys refused to provide any information. Essentially saying they are providing information correctly because they state it is correct. I have no way to validate that information. As a result an update was sent to the credit bureaus. 

What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe : -Provide me with copies of any papers that show -I agreed to pay what you Provide as verification -A certificate copy of any judgment if applicable. 
-You Identify as the original creditor -Demonstrate the Statute of Limitations has not expired on this account in Maryland -Prove you are licensed to collect in Maryland -Dated XXXX form that was issued for the IRS as earned income XXXX
Product: Debt collection

Have no knowledge of where this originated. 
I have never applied for any pay day loans. 
Just discovered this derogatory report while looking at my credit report on XX/XX/22. 
My credit score has subsequently dropped XXXX points for something I never initiated. 
The company listed as the collection company is Security Credit Services, XXXX XXXX XXXX XXXX, XXXX, XXXX. 
XXXX {$230.00} Reported on XX/XX/22 to credit bureaus. 
I have never received any documentation from this company in order to confirm or deny anything. 
In a word the account is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7900.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

In XXXX 2017, we applied for a mortgage with USAA. We were pre-approved and needed to sell our home before moving forward with the home we were purchasing. Our contact at USAA pushed us to send them the contract for the new home so that we could get our rate locked. We later found out, because we did n't sell our house soon enough, that our rate lock would be expiring and we would have to pay to keep it. Luckily, we found a buyer and were going to close on the sale of our home just in time - XX/XX/XXXX and our rate lock expired XX/XX/XXXX. We were supposed to be able to close on both homes the same day. A week before closing, we find out that the appraisal had to be revised because it included separate land that could not be included in our loan. The appraiser still got the lots incorrect on the report, missed updating the purchase price, and did n't get the documents uploaded as needed. All of this took about a week and so we had to push out our closing date. I told XXXX at USAA I wanted to close by the XX/XX/XXXX, but then we found out more mistakes were made : XXXX incorrectly entered our email addresses for us to get the documents to sign, we had to submit a correction on the city of the property because it did n't match the zip code as USPS has it, we needed updated bank statements because suddenly we owed more money than they expected - many, many things that could have been caught BEFORE we were in the final week of closing. The biggest issue that we had was USAA sent me the " final '' closing disclosure on Friday XX/XX/XXXX, 3 days prior to closing, as was required. I called on Monday to understand why we suddenly owed {$2200.00} at closing, which increased from {$1100.00} the last time I spoke with XXXX, and he told me that still was not the final version and that we would be getting a {$3.00} check back at closing. WITHIN HOURS of that conversation, he called me back and said that a mistake was made. They did not get an updated property tax statement since taxes were paid more than A MONTH earlier and so we would owe {$1400.00} at closing. THEN, the day of closing, I received notice that they were calculating our monthly insurance rate incorrectly and both our monthly payment AND costs due at closing would increase to {$1900.00}. ALL of these changes were being made within the 3-day window of closing, which I understand, is not supposed to happen. We were all over the place with our closing costs and I am EXTREMELY upset about the whole experience. AND I paid 2 weeks  of rate lock!!!!! Because of their mistakes!
Product: Vehicle loan or lease

On XX/XX/XXXX an additional payment was processed without my consent and when I called to complain, the company stated they would credit my account {$100.00}. On XX/XX/XXXX when I called to pay off the loan balance in full, I found out that I was only credited {$50.00}. The representative stated that he would credit me the extra {$50.00} to compensate for the {$50.00} that was not, and to date, there is still a balance of {$60.00} on my account, even after paying the stated balance of over {$28000.00}. I keep calling and asking to speak to a supervisor or someone who can rectify the issue and I keep getting transferred to various representatives and no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX and CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

have contacted the Credit Reporting Agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX and have been told they do not delete hard inquiries even though I did not authorize the inquiry. I called back to Equifax & XXXX to advise them of the statement from XXXX. I have disputed the inquiry via telephone calls and via the internet and I have been continuously told by Equifax & XXXX the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.
Product: Debt collection

I received a voicemail on Friday, XX/XX/XXXX. My ex husband also received calls Friday and today, XX/XX/XXXX. The company, Boone and associates stated to me ex husband that they were going to sue me for an online loan taken out in XXXX. I left them a voicemail today telling them that I did not take out an online loan. I called back after my ex husband stated they contacted him again. I asked that they cease and desist in contacting anyone via telephone and told them via voicemail that I never received info about this debt via a validation letter and to send one. I also informed them that I had fraud happen during the timeframe of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, Ive previously disputed this debt XXXX with a letter and phone call. The reporting for this debt is wrong, date opened, last active to name a few. Please see attached credit report, the notes read previously furnished however the information is still incorrect. The fair debt collection practices act had been violated on numerous occasions.
Product: Mortgage

I requested ALL paperwork from the company who sold my home ( Via forced illegal forced sale ). In return I received fraudulent paperwork involving disclosure. I asked the company but never received the full the report or the appraisal or any initial offerings. I received fraudulent reports and trumped up charges from a servicer company who was not even service my loan. The escrow company 's are XXXX XXXX XXXX XXXX XXXX XXXX and Granite escrow service and settlement in XXXX XXXX. These these escrow are in connection with XXXX XXXX  in XXXX, XXXX Mortgage servicing, XXXX, XXXX Mortgage servicing, and international capitol group inc. All of these companies had serviced my loan from the original lender XXXX XXXX. I then refinanced a year later with International Capitol group. There are major inconsistencies with the initial mortgage purchase, mortgage pay off, interest, and taxes. Also, evidence of title theft, during the initial purchase, the refinance, and the sale of my ( home XXXX XXXX XXXX XXXX CA XXXX ) I have substantial evidence in support of these claims. 

To exacerbate this claim, I have even more evidence in support of a sophisticated racketeering operation. This operation involves Title fraud, collusion of mortgage sales, Identity theft, Perjury, Aggravated Grand theft, mortgage fraud, escrow fraud, hacking into title accounts, hacking into government accounts, hacking into court records, fraudulent court paperwork, fraudulent evictions, and fraud upon the court by judicial officers of the court. 

All a sophisticated fraud group weaponizes the already complicated intertwined systems of mortgage, escrow, title, and even the courts to commit white collar crimes. They operate by multiple means. They Use a combination of fraudulent files, fraudulent paperwork, identity theft, hacked files, and perjury. In Conjunction with there group of connection, they collude with brokers, agents, underwriters, lenders, escrow companies, title companies, attorneys, court clerks and even judges. Using kick backs from the equity sale of the homes. I have substantial evidence in support of all claims. 

I have a tremendous amount of evidence and can not send it all. 

I humbly ask this please be investigated. 
XXXX XXXX XXXX XXXX ( XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 7 credit cards that has advised me that they report to Equifax, yet Equifax has not placed these on my report. I have been instructed by their employees to give it 3-6 months to report. Although I found this information to be erroneous, I have allowed them ample amount of time and still nothing.

I also have an old vehicle that was current when I filed ChapterXXXX and has since been paid off. It originally reflected this information. For some reason, today, XX/XX/25, I was notified that this information was updated to reflect a paid charge off. Which is absolutely false. This has dropped my score 16 points alone, per their site. 

They are intentionally updating incorrect information and purposely failing to report positive information. The credit card accounts I currently have that are not being reported are below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Checking or savings account

On XX/XX/2018 an unknown person went to several banking institutions in XXXX, NC ( XXXX XXXX # XXXX, XXXX XXXX # XXXX ) and made cash withdrawals through Bank of America tellers. The offender had a copy of my debit card as well as my PIN number. Through a series of transactions they took {$3000.00} from my savings and {$3100.00} from my checkings and checked the account balances on an ATM at a fee of {$2.00} for a total of {$6100.00}. Bank of America provided me with a temporary credit for this amount and I submitted a claim. Bank of America then denied my claim on the grounds that the offender had my PIN number, which is protected information. I have never given my PIN number to anyone and there are a variety of ways that the offender could have illegally obtained it other than my telling them. I re-submitted the claim to be reviewed by a second financial analyst at Bank of America. Meanwhile I left Bank of America and withdrew all of my money. As a result, when Bank of America took back the temporary credit my accounts went negative. The second review of my claim was supposed to be completed by late XXXX but Bank of America has not yet responded to me with a conclusion. In the meantime they have closed my remaining accounts,  informed me I am no longer welcome to open accounts with Bank of America, and have attempted to collect the debt from me. They have indicated that if I do not pay the debt soon, it will negatively impact my credit for 7 years. I have disputed their attempt to collect debt and have submitted police reports with XXXX ( where I was living at the time of the fraud ) and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account DEPTEDXXXX XXXX XXXX XXXX
Product: Debt collection

I ordered shirts from a XXXX XXXX ( XXXX ), that is located in XXXX, and elected to make payments using a third party payment program, called " afterpay ''. I received my first order of shirts in about three weeks. I tried one on, and it didn't fit. Since all of the shirts were Hawaiin style shirts, I didn't need to try every shirt on. I packaged the shirt in it's original package, and contacted XXXX and afterpay for a return authorization number for all of the shirts. XXXX contacted me back via email, and stated that they would give me 35 % off of my next order, if I keep the shirts. I emailed back, that I am not keeping shirts that do not fit. They emailed back, that if I return the shirts, that they might get lost or stolen. I emailed back, asking, " how would they get lost or stolen with tracking numbers and signature confirmation? '' No answer to that question, but they sent me a return authorization number, and where to send the items to, and it wasn't back to XXXX. It was some address in California. After spending {$38.00} out of pocket, to send their junk back, with tracking numbers and signature confirmation of return, I contacted " afterpay '' by email of the situation, and received the same XXXX responses from them as well. I told them that the items were returned with tracking numbers, and signature confirmation of return, and that I am not making anymore payments. I also stated that I want my money back from the previous payments. They emailed me stating that I still need to continue to make payments until they get confirmation from XXXX. I emailed stating that I am not making anymore payments, and that I'm filing a dispute with my credit card company, which I did, and received part of my money back. They emailed back asking me to send pictures of the returned items, showing the tracking numbers. As I stated earlier, everything was still in the original packaging, so not much to see, except the packaging with the postal information on the outside. XXXX asked for pictures too, showing the packages with return address and tracking numbers. I just recevied an email from a debt collector ( XXXX XXXX  ) trying to collect for " afterpay and XXXX, on merchandise that I returned on XX/XX/2022. Now after being harassed by three different companies, I want the money ( {$38.00} ) back that I paid out of pocket, to return the items. Everything that I have stated in this post, is documented in black and white with all three companies, via emails.
Product: Student loan

According to XXXX at the US Department of Education Ombudsman group ( contact # XXXX ) I was to have available an option for Income Based Repayment at 5 % of my income. According to my loan provider ( ACS ), only a 10 % option is provided, which is not affordable for me or my family and has forced me into a forbearance period which I had hoped to avoid. Student loan providers should understand that charging someone $ XXXX a month is NOT an affordable option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank Act. XXXX XXXXXXXX This account is using my Information improperly wells Fargo Bank wont answer my request. 
90 Days Late XXXX Opened {$300.00} Credit Limit {$0.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment Remarks : Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Late Payments XXXX 5 Late Payments XXXX 0 Late Payments Compare this account across all bureaus. 
Show Comparison Creditor Contact : XXXX XXXX XXXX, XXXX XXXX, IA XXXX | ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting a 30 day late on the XXXX account number XXXX. The date of last activity was in XXXX, 2017. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.