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

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX XXXX, disrupting my XXXX XXXX XXXX XXXX XXXX. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Product: Credit reporting or other personal consumer reports

In XXXX I opened a dispute ( XXXX ) with Experian credit bureau to correct information in my file with XXXX XXXX. My file showed that the balance and status of the debt was unpaid and Account charged off. {$280.00} written off. I requested that they update to show the balance as {$0.00} balance and the payment status as Paid/Paid Charge off as of XXXX. My report currently only reflects the {$0.00} balance and to add insult to injury is now showing that this account is charged off in XXXX, which is incorrect. The debt was paid prior to XXXX. This debt was paid on XX/XX/XXXX. Before I submitted the dispute I sent a copy of the payment made in XXXX to Experian so that this wouldnt report as being charged off in XXXX. 

I would like my payment history for XX/XX/year> updated and the payment status updated to Paid since this account was in fact paid with Charged Off/Written Off removed since the credit grantor accepted payment on XX/XX/XXXX. The correct payment status should be showing based on the documentation that I have provided to Experian.
Product: Mortgage

I applied for a mortgage assumption in XXXX of XXXX  after my divorce was finalized. I have yet to close ( or information even go to the underwriter that Im aware of ) yet. I was asked to provide several pieces of documentation in which I did within the week of being asked. This documentation was excessive and extremely detailed. I was set to close in XXXX, but then my pay stubs were expired? Then I was set to close in XXXX, but now my bank statement is expired? Now I can not reach anyone to help me with this matter after I have called 10 times and sent 10 emails over the last two weeks.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Collection agency with the phone number XXXX continually threatens to have driver 's license suspended which they have no authority to do.
Product: Bank account or service

Tuesday XXXX XXXX 2016, I noticed that my Chase checking overdraft protection deposited {$1800.00} into my checking account to cover an overdraft. However, there was no overdraft that occurred from my records or from Chase. The amount showed as 'Pending. ' I contacted chase at XXXX EDT on Tuesday XXXX/XXXX/2016 to ask why this happened, but the ( male ) Chase representative could not explain why. He stated that I should repay the {$1800.00} back to the credit card ( Chase XXXX ) and everything should be fine. He stated that I need to do this before the end of the day ( Tuesday ). As instructed, I made the payment from my checking ( account XXXX ) to my Chase credit card that night for the amount of {$1800.00}. Wednesday morning ( XXXX/XXXX/2016 ) my account showed an new overdraft because of the payment I made to the credit card. However, the funds ( {$1800.00} ) that were originally showing as 'pending ' were no longer in my account and a new credit card over draft amount was transferred for ~ {$1500.00} ( to cover the NEW overdraft ... according to Chase ). My checking account now has a XXXX dollar balance and I no longer have any money in my account. I 've talked to at least XXXX different Chase employees, from different departments, each coming up with their own explanation of what occurred. Eventually, I was told that I would have to wait for the {$1800.00} credit card payment to post and then have it reversed which will then take an additional 3-5 business days after I call back, yet again to explain the situation to yet another Chase rep. This is a complete breakdown of communication on Chase 's part and lack of ownership for what one incompetent Chase employee told me to do. My family and I have been trying to stretch the mere {$300.00} in my checking until next pay day. I keep getting the same answer from Chase : " I 'm sorry, but there 's nothing we can do. '' I mentioned to them that my phone call was recorded with the original rep and that they should take ownership for their mistake. I had one employee ( XXXX XXXX ) tell me that I should start using a paper register to keep track of my records ( i.e. placing blame on me for the issue ). So far, I have not heard anything back from anyone within Chase and I 've wasted hours today on the phone re-explaining the problem, but ultimately, it has gone no where. I want my cash back in my account and I want them to rectify this properly. I will also be looking into what can be done from a legal point of view. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we traded in our XXXX XXXX XXXX  Lease through XXXX XXXX, payoff was sent from my dealership I work at as I traded it in here. I was in touch with my finance XXXX who did the paperwork she sent the payoff and necessary documents. A XXXX later after we as a dealership sold the XXXX having satisfied the lease I got notified of a XXXX day late payment had hit my credit. Finance XXXX contacted XXXX corrected the situation XXXX apologized and admitted to the error on their part I have a letter stating so. They said they would remove the XXXX late payment on the account and credit report and the account was satisfied. XXXX is telling me as its now XXXX yes the lease has been satisfied nothing derogatory is on file or on my credit. On Experian it is still showing a XXXX late, but not on XXXX and XXXX. It has been XXXX months and it is still on my credit report, it has effect me being able to get approved for purchases as it dropped my score XXXX points. I need this XXXX day late payment removed ASAP. It was an error on behalf of XXXX. We satisfied the account far before the month end of XX/XX/XXXX and XXXX has verified so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've complained about being a victim of identity theft multiple times already. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed collections on credit report that I do not recognize or owe. I mailed the 3 major credit bureaus on XX/XX/18 via certified receipt and Account Numbers XXXX, XXXX, XXXX and XXXX were immediately deleted, however, Equifax was still reporting the accounts. I contacted Equifax again because I never heard back regarding these accounts XX/XX/18, certified receipt again and they investigated this time and verified as accurate. I mailed Equifax again because theres no way these accounts are verified as accurate, especially since Equifax isn't even reporting the Collection Agency names on my credit report, it only has the Account Numbers listed on my credit report. I requested Verification procedures and documentation because at this point, I would like to know what and why these accounts are on my credit report. To date, Equifax still has these accounts reporting and have not investigated further nor sent me any information regarding these accounts. Per Section 609 of the Fair Credit Reporting Act, this information is to be provided upon request. These accounts need deleted. I've tried to be patient, but this is ridiculous! These accounts need deleted from my credit report.
Product: Mortgage

JP Morgan Chase, back on my accounts how the messed things On XX/XX/XXXX they got payment XXXX, i called them on XXXX XXXX  for post payment it was post payment not payment they was difference He ran it while i was on phone without question what happen it put 3 months behind, We received your XX/XX/XXXX payment on XX/XX/XXXX ; however, we did not receive your XX/XX/XXXX payment until XX/XX/XXXX. We confirmed the payment made on XX/XX/XXXX, which was intended for the XX/XX/XXXX payment, was returned to us on XX/XX/XXXX, as unauthorized, by the banking institution you used. As a result, we reversed one payment from your mortgage loan, which brought your loan due for three payments, this would be their response, I talked to my case worker and to corportate office her name was XXXX i no she still works their i ask my case worker did you cancel this she yes we did, same thing at corporate office they both lied they took my whole loan and twisted, they lied about not receiving payments, how can you miss 3 payment XXXX, XXXX XXXX, i sent proof in secure message about 20 times, in mail sever times, even sent XXXX  XXXX to corporate office to XXXX twice no they got it. but it not on my account these or something wrong no Bank allows this many mistakes on person mortgage account. my case manger was liar and it shame they lied to me at corporate office. i filled one but i have enough of the lies and them sending XXXX. this was over one payment i paid for it, i went to XXXX and back and still going lost everything because of Fraud i no i get letter of payments, i did this and that sick of it, look at the employees look how they handle accounts, like XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We paid cash and closed on XXXX acres of land with closing agent XXXX XXXX at XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX, Suite XXXX, XXXX , TX XXXX on XX/XX/2017. We were guided to this title company by the Listing Agent, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX TX XXXX. 

One month after we closed, we deeded half the property to our son and daughter in law and we each received applications to renew the ag exemption. When I called to tell them there was no such exemption our nightmare began. As the State of Texas Qualifiation Requirements state, " Acreage Requirement : the State of Texas has set a minimum of 5 acres and a maximum of 20. '' The first page of the closing affidavit states there was NO ag exemption. We were not told prior to or during closing that there was an ag exemption on the property We were not given a Tax statement at closing that would have indicated ag exemptions. We were not given the opportunity to negotiate that. Because of the minimum acreage requirement to even have ag exemption it should have been brought to our attention at closing. 

We are being charged over {$4000.00} for rollback taxes that we don't believe we should be charged for. 

XXXX XXXX at XXXX XXXX XXXX doesn't return my calls. We were denied the claim we filed with the XXXX XXXX XXXX. 

With everything that has transpired we had no reason to even question ag exemptions at closing. 

In addition to all the above, all of our closing documents state the property is in XXXX XXXX Texas but we have since found out it is in fact in XXXX Texas.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : ACCOUNT NAME- XXXX XXXX XXXX ACCT # - XXXX ACCOUNT NAME- XXXX XXXXXXXX XXXX ACCT # XXXX ACCOUNT NAME- XXXX XXXX ACCT # XXXX ACCOUNT NAME- XXXX ACCT # XXXX ACCOUNT NAME- XXXX  XXXX- ACCT # XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCT XXXX XXXX ACCOUNT NAME- XXXX XXXX- ACCT # XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCT # XXXX ( XXXX  XXXX XXXX ACCT # - XXXXXXXX XXXX XXXX XXXXXXXX XXXX ACCT XXXX - XXXX ( XXXXXXXX XXXX XXXX HAS violated my rights. 


I looked at my TRANSUNION credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

*There are charge off accounts that are reporting as debt but is canceled debt and by law rather is over {$600.00} or not it still needs to be filed as ordinary income and a 1099c need to be sent to me According to Publication 4681 ( 2023 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments *if a debt is canceled or forgiven for less than its full amount, you may be treated as having income and may have to pay tax on this income.

*For charge-offs over {$600.00}, the lender may issue an IRS 1099c form for cancellation of indebtedness, which needs to be treated as income on your tax return.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 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 in 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 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: Debt collection

On XX/XX/2019, I received a call from someone at the number ( XXXX ) XXXX asking for XXXX XXXX, which is a short version of my full name. When I said I was XXXX XXXX I was transferred to someone identifying himself as XXXX XXXX from Midland XXXX in XXXX XXXX, CA. When I asked the purpose of the he said he it was regarding a debt I owed in the amount of {$46000.00} for a credit card. 

I have never had unpaid debt and have a perfect credit history. When I asked how they had linked me to that debt they were seeking to collect XXXX wouldn't answer. I asked if they had simply called me based on my name matching the name of someone they couldn't find otherwise. I specifically asked if Midland had simply matched my name and found my phone number, which was clearly the case in this instance. He responded the contact information came from another department. I asked him to conference in someone from the " other department '' to obtain that information which he refused to do. 

I explained to him that it was illegal for his company to simply randomly call individuals on the " do not call list '' on the basis of a matching name with no other corroborating information. I told XXXX I would report him and his firm to the CFPB unless he explained how Midland obtained my phone number. He then hung up. 

I'd be interested in initiating a class action lawsuit against Midland if others have had a similar experience.
Product: Vehicle loan or lease

I leased a XXXX XXXX from GM Financial made all payments on time and return truck on maturity date, Due to pandemic I had to purchase vehicle from out of state and dealership i purchased from drove new vehicle to my place of employment and drove my lease return back on XX/XX/XXXX. Approx. 2 months after lease I began to receive harassing phone calls from GM Financial stating i owned money for damage to vehicle that was not on vehicle when dealership picked up and inspected. When returned vehicle there was now damage anywhere and I had just installed 4 brand new tires and had vehicle detailed to ensure there would not be a problem. I asked them repeatedly to send me copy of report as I had pictures to show vehicle condition when dropped off. I also asked them why it took months for them to inspect and sell vehicle and what was price of sale of vehicle at auction as I am certain it was over residual value. GM never send bill but continued to rob call me at my employers number even though asked not to be contacted on that number on at least 5 occasions. Now I just received an alert on my credit that GM has submitted account to collections without sending me documents requested as I was disputing charges as they were fraudulently or may have occurred in the two months it took them to inspect vehicle in dealers possession. Their was also mileage charges that were approx. XXXX miles higher than when dealership took my lease back so evidentially either dealership or GM drove the vehicle somewhere.
Product: Credit card or prepaid card

I was receiving my unemployment payment by check through the mail. But now it says that it will be on a state issued debit card. A Wells Fargo account card. I have not received this card and it has not been 3 weeks now and I have no card and have not received my payments I cant get an answer or a hold of any one to help my phone number is XXXX thank you
Product: Credit card or prepaid card

Received a XXXX XXXX in the mail that I did not appy for. When I called the number, its asks for my full social security number. Seems like a scam.