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

RE : INTENT TO SUE DUE TO IDENTITY THEFT & FRAUD DELETION FAILURE This is my final intent to resolve this matter once and for all before embarking on filing a lawsuit against you. Let it be crystal clear that I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. 

For yet another FINAL CHANCE, Please REMOVE this information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX. XXXX ACC XXXX, Date Opened XX/XX/2016, Balance {$530.00} The FACRA requires you to block the fraudulent information from my credit report resulting from identity theft within 4 business days but that not the case in my scenario. This company completely ignore and continue to report this fraudulent account. 

I am attaching herewith ; the previous dispute I sent to this company, my identity theft report from XXXX condition and my small claims form should them fail to cooperate and abide by the law.
Product: Consumer Loan

This is a further complaint in reference to complaint # XXXX. I submitted a complaint against Capital One on XXXX/XXXX/2015. On XXXX XXXX 2015 I was contacted by someone who identified himself as XXXX stating that he was looking into my complaint and hoped to have an answer for me by Friday ( XXXX XXXX ). As of XXXX XXXX I had not heard back from XXXX, though I did leave a message on his voicemail. On XXXX XXXX I received a telephone call from a woman who wanted to know when I would pay them. I explained to them the issue and that I wanted a resolution before I paid them but that if the issue reached a point where they absolutely needed money to let me know an I would take care of it. The following day I received another telephone call from Capital One demanding money. The person I spoke to had no knowledge of the complaint, and admitted they had not read the notes on the call before speaking to me. I explained the situation again. She asked if she could transfer me to a supervisor. After XXXX minutes ( literally ) on hold I was put through to someone who identified themselves as a supervisor. I explained the situation to him. He claimed that the auto-dialer did not give the employees time to review the account before it called my cell phone. He told me that I may still receive telephone calls every day. I told him that I felt they were harassing me because I had filed a complaint and that if I was going to have to do Capital One 's job they should give me money. He said, " that ai n't gon na happen. '' I then heard nothing from Capital One. My mother received a message on her answering machine ( she is not the borrower or an account holder ) that cryptically stated, " things have changed. '' I called Capital One ( XXXX direct line ) and could not get an answer. She returned there call and they said they were just automatically dialing her number, though they still did not apologize for unlawfully removing money from her account. I feel that I am being intentionally harrassed because I filed a complaint against Capital One.As of this writing I can not get through to a human being.
Product: Debt collection

I asked the two banks involved in the debt collection of their attorneys at XXXXXXXX XXXX XXXXXXXX abut the debt and validation according to FDCPA and they failed to comply with the federal rule because they did not : gave me a validation notice to read : 1. Name and mailing information of the debt collector.-THEY DID GIVE THIS XXXX XXXX XXXX XXXX and XXXX acting for both XXXX XXXX XXXXXXXX and mr cooper ( `` a Note '' they have ) 2. Name of the creditor to whom the debt is owed -the did ( XXXX XXXX XXXXXXXX serviced by mr cooper ) THEY DID GIVE THIS TO US 3. Account number ( if any ) associated with the debt - THEY DID GIVE THIS TO US BUT WE DID NOT TAKE OUT THIS LOAN loan XXXX XXXX. An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records - THEY FAILED TO PROVIDE SAYING WE ARE AN UNATHORIZED THIRD PARTY AND YET THEY WANT TO COLLECT FROM US?? 
XXXX. The current amount of the debt as of when the validation notice is provided Information about your debt collection rights including how to dispute the debt This notice is meant to help you identify whether you owe the debt and whether the collectors information about the debt is accurate. The notice must include a tear-off form that you can send back to the debt collector to dispute the debt or take other actions. THEY DID NOT PROVIDE THIS TO US 6. A statement that the communication is from a debt collector. THEY DID NOT PROVIDE THIS TO US, THEY ATTEMPTED TO VERIFY IN CONNECTION TO A LOAN APPLICATION WITH XXXX XXXX XXXXXXXX ( ATTACHED ) AND MR COOPER ( ATTACHED ) 7. The name and mailing information of the debt collector and the consumer THEY DID NOT PROVIDE THIS TO US BECAUSE WE ARE AN UNAUTHORIZED THIRD PARTY 8. The name of the creditor to whom the debt is owed THEY SAID IS THE XXXX XXXX XXXX XXXXXXXX NOTE '' It is possible that more than one creditor will be listed THEY DID NOT GIVE ANY INFORMATION ON THIS The account number associated with the debt ( if any ) THE LOAN ACCOUNT NUMBER IS DIFFERENT FROM THE ORIGINAL " XXXX XXXX XXXXXXXX NOTE '' An itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date ( THEY DID NOT PROVIDE The current amount of the debt as of when the validation information is provided Information about your debt collection rights, including language that : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt. WE HAVE DISPUTED IT ALREADY THROUGH CFPB AND THE BANKS HAVE MY MOHTER 'S CASH IN THEIR BOOKS AND HAVE NOT PROVIDED CLEAR AND FAIR ACCOUNTING, THEY COLLECTED IN COURT
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX is reporting child support obligations on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b, which prohibits reporting information unrelated to a credit transaction. I submitted a formal dispute to TransUnion on [ insert date ], but they failed to remove this inaccurate information. 
TransUnion and XXXX is reporting information not tied to a credit transaction, violating permissible purpose requirements under 15 U.S.C. 1681b. 
TransUnion and XXXX failed to reinvestigate and correct the error, violating 15 U.S.C. 1681i. 
Reporting this information is also a breach of their duty under 15 U.S.C. 1681s-2. 
Harm Caused : This error has negatively impacted my credit score, caused financial harm, and created unnecessary stress.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX
Product: Mortgage

Ever since Truist assumed my mortgage ( XXXX XXXX ), I have had trouble with them paying my flood insurance from escrow. They have a policy that forces me to escrow moneys to pay for my flood insurance. I have requested that they let me pay the flood insurance, as I do with the property insurance, but they have denied my request. Every year, they pay my flood insurance late. This year, it was due on XX/XX/XXXX. They did not issue a check until XX/XX/XXXX. That was 4 business days prior to policy expiration date! Then they sent a bulk check to the wrong address. Now I am in my grace period ( 30 days ) and they still have not paid the premium! I am 2 days from policy termination ( XX/XX/XXXX )! They say that they have sent an overnight check, but it still has not arrived. For over a month, I have talked almost daily, to 12 Truist representatives, some multiple times, to try to fix this problem. If the check doesn't arrive by Thursday, XX/XX/XXXX, I will have to go pay the premium myself! 

They require, and I pay moneys into the escrow account in good faith for them to pay the flood insurance. For XXXX XXXX I have had the same issue of late payments from escrow. This year has been the worst! 

They way they handle my escrow payments are at best incompetent and reckless, at worst, fraudulent! 

I have requested to talk to a supervisor, but no one has returned my request!
Product: Credit card or prepaid card

I have new and updated information regarding my previous complaint XXXX. Synchrony Bank alleged in its response that my application for a TJX Rewards credit card was made in store however, the attached email states that I initiated the consumer credit transaction online and on a different date than what Synchrony Bank stated in their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE STUDENT LOAN/EDU THAT IS LONG TIME PAID OFF AND CLOSED, SOME ACCOUNTS BALANCES ARE INCORRECT THAT THESE 3 CREDIT BUREAUS. TRANSUNION, XXXX, AND XXXX MAINTAIN IN MY RECORDS ON PURPOSE JUST TO KEEP MY SCORE LOW MAYBE BECAUSE I AM AN XXXX XXXX. THEY NEED TO UPDATE MY FILE. THEY ARE SOME ACCOUNTS THAT ARE SETTLED WITH LENDERS THAT ARE NOT EVEN REFLECTING ON MY 3 CREDIT REPORTS. KINDLYACTION NEED TO BE TAKE WITH THESE 3 CREDIT BUREAUS. THANKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information has been reported on my account unlawfully I have reported to this company that this information was wrong on my account, and I provided all required documents to provide them with proof and they still would not remove the item from my credit profile. This situation has caused hardship for my life.
Product: Credit reporting or other personal consumer reports

My account with ( EXPERIAN 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 ( MONTHS REPORTING 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.

EXPERIAN 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 file a formal complaint against XXXX, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. On XX/XX/year> I sent a letter to XXXX notifying them of the reinsertion of XXXX XXXX account number : XXXX ( Sprint ) into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for more than 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account XXXX XXXX ( XXXX XXXX XXXX ), Account XXXX XXXX XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX XXXX, and Account # XXXX ( XXXX XXXX ) 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection.

Transunion also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency.

I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me.

I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I was the victim of a scam through XXXX where the scammer had taken over the XXXX account of a friend. The scammer posted through the friend 's account that she was helping to sell various items for an uncle that had passed away. Among them was a XXXX XXXX XXXX. My wife was interested in the vehicle and had me XXXX {$1000.00} through CapitalOne to who was believed to her friend 's cousin who was selling the vehicle. 

This person 's XXXX information is as follows : Name : XXXX XXXX XXXX XXXX Phone # : XXXX email : XXXX I sent the XXXX payment of {$1000.00} with the memo " Deposit for XXXX XXXX, Fully refundable prior to final sale '' After sending the {$1000.00} XXXX payment on Wednesday evening, XX/XX/XXXX, the recipient became unresponsive to texts and email and I reached out to Capitalone a couple of hours after sending the {$1000.00} to stop payment on the XXXX transfer and filed Claim XXXX with CapitalOne. I also reached out to zelle on the evening of XX/XX/XXXX to ask them to stop payment and they directed me back to CaptialOne. I've tried to reach out to the recipient of the transfer for refund via the email and phone listed above and they will not respond. It has since been made clear that the friend 's XXXX account has been hacked and this was a scam. 

On Thursday XX/XX/XXXX filed a police report with the XX/XX/XXXX XXXX, Massachusetts police department. The detective handling the case is XXXX XXXX. His email address is XXXX. The case number is XXXX. The police phone number is XXXX. 

Capital one has denied my claim, stating that I authorized the payment. This payment went to a deceptive criminal running a scam for nothing in return. 

I have been banking with CapitalOne, incident free, for decades. I would greatly appreciate that CapitalOne and or XXXX have the {$1000.00} reimbursed to my account. 

Please reach out to me with any questions.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We had a very tight close on our mortgage for our XXXX property ( XXXX XXXX ). Wells Fargo stated they would help expedite our requested close date and came close to meeting that date although I had to have multiple escalations to stay on track. 

During this time, they never communicated that there would be an escrow account for 2 years when they quoted the interest rate of 7.375 %. Our loan to value is 25 % yet they are now indicating that there needs to be an escrow account for 2 years, and we earn 0 % interest on this. Our monthly escrow payment is XXXX, which could be earning over 4 % interest in a high yield savings account. 

This is a very deceptive practice. 
Wells has never requested an escrow account with our other mortgages.

Our credit score is over 800. 
Our loan to value is 25 %. 

We are awaiting an update from Wells Fargo regarding this situation but the most important thing to take action on is how DECEPTIVE they are when quoting their rates.
Product: Credit card or prepaid card

THIS ACCOUNT IS FRAUD. 
Account name AMERICAN EXPRESS Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$41000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit - Highest balance {$58000.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Global Lending group has been calling XXXX times a day from XXXX XXXX to the present day. I have set up payment arrangements and they continue to call XXXX times day even after payment arrangements have been set. This is considered harassment by the Fair Credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent me documentation that states they receive and verify bankruptcy information with XXXX. I recently froze my XXXX nexus and opted out of XXXX. Experian can not receive or verify any information about me through XXXX. The bankruptcy information was removed by XXXX for inaccuracy and inability to verify. XXXX is still investigating. Experian has said they have verified the information with XXXX, but that is not possible.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates 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/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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom This may concern I never was in ambulance and went to the Hospital and transunion and XXXX are reporting wrong information on my credit report. this is Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

Portfolio Recovery Associates, in various communications have threatened to harm my credit. 

I notified Portfolio Recovery Associates that they are reporting LATE PAYMENTS on my XXXX  credit bureau. 

Collection accounts can not be reported as " LATE '' This is false and untrue. 

When I communicated to Portfolio Recovery Associates that Collection accounts can not be LATE, they threatened to further harm my credit. 

While this alleged debt has NOT been VALIDATED, and I do not agree it is mine, I did call the Two credit card companies, where the debt buyer, supposedly purchased the debt. 

I wrote Portfolio Recovery Associates, that when I contacted the Two credit card companies, they told me, that for the past 10+ years, they have included ARBITRATION Clauses in all agreements. 

Since that is the case, I have NOTIFIED Portfolio Recovery Associates, that they must INITIATE ARBITRATION, as per the credit card company agreements. 

Portfolio Recovery Associates has REFUSED to initiate ARBITRATION. 

I have contacted the LEGAL DEPARTMENT of Portfolio Recovery Associates, and written that both XXXX  XXXX and XXXX, have the ARBITRATION CLAUSE. 

The CFPB must ENFORCE this immediately. If within 5 business days, Portfolio Recovery Associates refuses on its Mandatory Requirement for ARBITRATION, they must delete all ITEMS from my 3 credit reports. 

I await their reply. I am waiting for them to INITIATE the ABITRATION, or make the deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a complaint with the CRA XXXX  Experian and XXXX. I am writing this due to noncompliance with the CRA they have failed to reply and remove details that was challenged in the past. I strongly believe that they are in violation of the FCRA and refusing to uphold the law