23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a mail regarding {$36.00} debt from US Asset Management Inc with original creditor XXXX. The recipient of the letter is not exactly my name, but has my first and last name switched. I currently have an active XXXX account with recurrent auto monthly payments. I do not own the debt as my XXXX account has XXXX balance. The mail looks freud or error to me as a company does not send outstanding balance to debt collector when there is an active account in good standing. In addition, the debt is not under my name and should not be mailed to my address. I called the company but could not reach a person after multiple attempts.
Product: Credit reporting or other personal consumer reports

On my credit report there is an account called XXXX XXXX  and I never had any accounts with XXXX XXXX  or applied for any credit products from them. 

So, because of this I had to file an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXX from my credit report immediately. A failure to do so will result in me taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX  from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Transunion is purposely violating the law by reporting an account listed as XXXX  XXXX  XXXX / XXXX XXXX multiple times with the same exact information. This is an attempt to purposely lower my credit rating by falsifying records. Transunion is reporting late payments on this account from XXXX 2018 its no way this account is being reporting accurate because this payment history is different than the other account that has the same exact account number. Transunion has a duty to report accurate information. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Credit reporting or other personal consumer reports

I am writing to request removal of the following information that appears in error on my consumer credit report. The information which appears on my report does not relate to any usage that I have made. It is a result of improper use of my credit information. 

I am writing to file a formal complaint regarding the incorrect usage of my credit information and potential exposure to the dark web. I recently discovered several unauthorized transactions on my credit report, which have led me to believe that my personal information may have been compromised and utilized for illegitimate purposes. 

Upon reviewing my credit report, I noticed transactions and activities that I did not initiate or authorize. These transactions not only reflect improper credit usage but also raise concerns about potential exposure to the black market. It is alarming to see my credit information being misused in this manner, and I am deeply troubled by the implications it may have on my financial well-being and personal security. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the situation. Specifically, I request that all unauthorized transactions and activities be removed from my credit report immediately. Additionally, I implore the bureau to implement measures to prevent further unauthorized access to my credit information and safeguard it against future misuse. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 
Company : XXXX Account : CAPITAL ONE BANK USA Date : XX/XX/2023 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 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. My information was impacted in the XXXX data breach and my personal information has been compromised, I see a few fraudulent accounts and inquiries that arent mine neither have I authorized anyone to apply for any of these accounts or inquiries listed below : its to my understanding that I have rights to a fair accurate credit report according to FCRA and consumer laws protecting me and my information. I would like these items removed due to them affecting my credit report and scores and i have no type of association with any of these acounts or inquiries U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Product: Vehicle loan or lease

My old car title information, including my and my wife 's personal identifying information was sent to Carvana three times. The form that was provided is the Gift Certification ( form # XXXX ). The first form was provided when old trade-in vehicle was used to pay for the loan. The second time, the Gift Certification ( form # XXXX ) form was sent via XXXX. The tracking number indicated delivered, however Carvana states that it was " lost in the mail ''. I am now instructed to mail a third Gift Certification ( form # XXXX ). I am worried that my information is potentially compromised.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the unauthorized inquiry has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiry below has violated my rights. 15 U.S.C 1681 section 602A. 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 inquiry 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 ) ( a ) 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. Delete the unauthorized inquiry below : Creditor Name : XXXX, Date of inquiry : XX/XX/year>, XXXX : Equifax.
Product: Debt collection

As previously stated to ARS. The debt they are attempting to collect does not belong to me. I was a victim of identity theft. I do not want them putting this bogus account that does belong to me on my credit report. They keep writing me about a XXXX account. there reference number : XXXX
Product: Mortgage

I have been having some trouble with my mortgage company for the past six months or so. 
My mortgage company used to be Greentree, and then it was sold to Ditech in the XX/XX/2016. 
I continued to make our monthly mortgage payments, and began receiving calls from Ditech in XXXX of 2016 telling me that my account was behind because they had n't received an XXXX payment from me. I made my XXXX payment and checked my bank statements to confirm that Ditech had cashed my check, and they did. 
I submitted my bank statement to prove that we made our XXXX payment, and they told me that they did n't allocate our payment to our account because they switched their software in order to absorb all Greentree mortgages into their computer system, and said that they have been having issues because of the software switch. 
Ditech verbally confirms that they received my XXXX payment, and cashed my check for that payment. 
Ditech continues to call me and send statements in the mail indicating that I am delinquent in my payments due to this " missing '' XXXX payment. Ditech has also added late fees onto the amount that they are saying is past due. 
When I call Ditech, they tell me that they are " taking care of this and will fix it '', but the calls and mailed statements from them indicate that in their system, I am still delinquent. 
The " late payment '' showed up on my credit report, and luckily, after disputing this with a credit bureau, they took it off my credit report, but my credit rating has dropped because of this. 
It has been 6 months, and Ditech has n't resolved this issue yet. I continue to receive phone calls and mail from Ditech indicating that they need me to pay that " missing '' XXXX 2016 payment. 
I am not sure how to proceed at this point.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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 in 60 days 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 XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$6700.00}.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I decided to quit attending XXXX after seeing the teachers not help but actually give the answers away for the tests so everyone would pass. Upon seeing this I knew the degree from XXXX would be worthless. This would hurt any chance I had of getting a job in the field of study I was in.
Product: Checking or savings account

I have/had a Wells Fargo checking and savings account between XXXX - XXXX. I am aware that they were incorrectly charging over draft fees and freezing accounts. I am unable to go back to my statements that far back to see if I had any incorrect over draft fees or to see if my account was ever frozen. I have been a Wells Fargo checking and savings account holder since XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question. 

I am currently in the process of purchasing my first home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act.
Product: Checking or savings account

Im just giving you one more chance to do your job! Im told you regulate Citibank! But you dont, when I have called several times and have been told by my banking commissioner XXXX XXXX banking commissioner the fdic the occ my attorney general that you regulate Citibank and you send me an answer from citi telling me they can close an account for any reason at anytime! Thats all well and good but they dont give you your money back! How is that you doing your job! Then I call and Im told you dont regulate them on a personal level! But every other agency says you do! They have my money and said they will never release it to me without a harmless bank to bank transfer that they no I cant initiate nor will peoples bank initiate it, because Citibank cried fraud then cashed the check! They have thousands of complaints on forums of Citibank closing accounts and many have been waiting for XXXX months and cant get you to do your job! So good job suing them back In 2015 but now they are getting it back by holding tons of consumers money, probably doing short term investments and recouping it back at our expense. So now that everything is exhausted and Ive invested a month into this. I will go to the news and social media not only against Citibank but you as well!
Product: Mortgage

While attempting to do a cash-out refinance, we were approached by XXXX XXXX XXXX Through the whole refinance process it was nearly impossible to get in touch with them. And after taking a whole month to get us a simple document for us to sign, we lost our locked in mortgage rate and ended up with one a full 1 % higher. ( After having to do a loan modification later, the interest increased about 3 more points. ) The increase was caused simply due to the time it took to contact them. After we finalized the loan with them, contact remained nearly impossible, hearing back from them 3-4 weeks after we reached out. 

During a later loan modification ( mentioned above ), we were jerked around, yet again, until the interest rare was even higher. Also, during that time, they told us to not pay the mortgage as it would be taken care of. It took then 3-4 weeks again to get the mortgage documents sent for us to sign. They, then, called demanding payment of the past due before sending the documents for us to sign.

On several occasions, they have declined accepting a payment from us until they called us back, at which point they would attempt to tack on additional fees or demanding the full amount instead of accepting any kind of payment. 

This has been a painful and stressful experience that has been going on for more than the last 3 years. It has caused severe emotional and mental stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$2500.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting

During an application for a car loan, I discovered that there were many errors in my Credit Reports with all XXXX credit bureaus ( XXXX ; Experian ; and XXXX ). I respectfully sent a request letter to them to investigate, delete, and forward me the names and phone others of all the people they contact, any documentation as well as a new Credit Report within 30 days per Fair Debt Collection Practices Act ( FDCPA ). 

To my dismay and surprise, I have not received any documentation evidence as stated in all my XXXX letters I sent to all XXXX credit bureaus ( XXXX ; Experian ; and XXXX ). 
I feel it is an intentional action by these credit bureaus to gain from the errors in other peoples credit reports so that we as consumers can pay for very high interest loans as I am paying now. Per Fair Debt Collection Practices Act ( FDCPA ) reuglations they are supposed to investigate any errors and notify me if these have been done. 
I am about to file a law suit against all the credit bureaus ( XXXX ; Experian ; and XXXX ) ; and before I do that I report it to XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan @ Regional Finance. They changed the approved loan amount & terms 3 different times. This was supposed to be an unsecured loan. They wanted me to provide household items as collateral. I refused the loan. They sent me an adverse action saying I was denied due to my credit.