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

On XX/XX/XXXX, I initiated a dispute with Experian regarding 4 XXXX accounts. I explained that these accounts were Fraudulent Accounts. I later called Experian back after reviewing several copies of my Experian report and informed them that not only are these accounts Fraudulent, they are changing the charge off date and re-aging the pay history which in turn causes great damage to my credit score and resets the Statue of Limitations. This was information that I wanted Experian to be aware of but instead they closed my dispute of these accounts being Fraudulent Accounts and changed it without first informing me that this will happen and second without my right to decide how I wanted these accounts disputed. OnXX/XX/XXXX, I received a dispute results letter indicating that XXXX updated information ; however, nothing has changed on these 4 accounts. I contacted Experian several times on yesterday. One representative told me that my complaint with CFPB has been closed because my documents do not show anything and XXXX can change the charge off date if they choose. One representative told me that the dispute with XXXX is closed and it will take 30 days for the database to change anything on my report due to the XXXX Breach and Experian being overloaded with paperwork. One representative told me that my dispute onXX/XX/XXXX should have not been changed without my permission but it was. One representative told me that the dispute results I received was computer generated and no one has control over what letter is printed all they have control over is the name on the letter. I was also told that Experian is not required to validate anything ; They just wait for the creditor to tell them yes or no to the disputes and whatever it is they take the word of the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several fraudulent accounts showing on my report
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX 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 XXXX 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. DEPT OF EDUCATIONXXXX 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 called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : SC XXXX, XXXX XXXX, XXXX, XXXX XXXX, SC XXXX, NES/ZION, XXXX  XXXX, Original Creditor, XXXX  XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXXA XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  PROPERTY XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND yo validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXXXXXX ) If you cant provide me with sufficient proof listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Auto Loan account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX  30 30 30 I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts identified as fraudulent due to my victimization in a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to this action to protect my credit report from unauthorized and fraudulent information. 
The following accounts have been flagged as fraudulent and require immediate action : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00}
Product: Payday loan, title loan, or personal loan

Received a XXXX loan and was under the impression it was just like every loan was told my payment would decrease monthly only to find out I'm only refinancing the loan monthly while paying a {$1500.00} a month payment. 
I can't afford to pay the loan off at this rate. I am now being threatened with repossession they have already repossessed my truck once and kept it from me after paying the payment for a week. And now my balance went from XXXX to XXXX to pay it off. This is my only means of transportation, and it is also my late father 's truck I just want a fair payment. Title max refuses to renegotiate the loan terms.
Product: Debt collection

HI ON OR ABOUT XXXX OF XXXX I FINANCED A VEHICLE WITH XXXX AUTO FINANCE AND HAVE A 7 YEARS OLD COPY OF SEVERAL CREDIT REPORTS SHOWING THE PAYMENTS AND STATUS OF THE ACCOUNT BEING CURRENT AND WAS SOLD TO XXXX  AUTO FINANCE AROUND XXXX OF XXXX. AT THE TIME THE LOAN WAS SOLD / TRANSFERRED THE DEBT WAS IN GOOD STANDINGS. SEVERAL YEARS LATER APPROXIMATELY XX/XX/XXXX FIVE YEARS INTO THE LOAN I SURRENDERED THE VEHICLE BECAUSE XXXX SAID THAT I OWED XXXX ON A VEHICLE ACCORDING TO THE LOAN SCHEDULE OF PAYMENTS WAS ONLY FOR 6 YEARS@XXXX A MONTH WHICH WOULD ONLY LEAVE A BALANCE OF A YEAR. I REACHED OUT TO THEM MANY OF TIMES AND NO ONE COULD EXPLAIN THIS ISSUE. IN THE INTERIM AFTER 3 YEARS OF THE SURRENDER, NCB MANAGEMENT SERVICES REPORTED ON MY CREDIT FILE A NEW ACCOUNT ON XXXX SHOWING THAT I HAD A REPO WITH THEM, MY CREDIT SCORE DROPPED TREMENDOUSLY I DISPUTED THIS WITH ALL CREDIT REPORTING AGENCY 'S AND NCB AS " RE-AGING ''. AFTER SEVERAL YEARS OF DISPUTING NCB UPDATED THE ACCOUNT SHOWING IT AS A REPO WITH XXXX XXXX. NOW ON MY CREDIT FILE IT SHOWS 2 DIFFERENT REPO 'S AND THIS IS INACCURATE. I HAVE CALLED AND SENT LETTERS TO THE CREDIT REPORTING AGENCY 'S EXPLAINING THIS ISSUE AS WELL AS SUPPLIED SUPPORTING DOCUMENTS AND THEY WILL NOT HELP AND NCB MANAGEMENT SERVICES WILL NOT CORRECT MY CREDIT FILE.
Product: Debt collection

Calls repeatedly from different numbers. Called at home and work. Made threats about attorneys. I do not owe this Company, however, they are not interested in hearing what I have to say.
Product: Mortgage

We applied for a VA cash out refinance with Homebridge on XX/XX/XXXX. On XX/XX/XXXX our loan was fully approved and " Cleared to close ''. All conditions and documentation had been provided. NO ADDITIONAL INFO WAS NEEDED- we were all set to sign our refinance paperwork after nearly 3 MONTHS of waiting. Our lock was expiring on XX/XX/XXXX and we had started making plans with the loan officer to sign documents at the title company. 

We were informed that our loan had to go through QC or Quality Control. Over 10 days went by with no answers from our loan officer or Homebridge 's management team. On XX/XX/XXXX, our loan officer informed us that the loan had been denied. No reason provided, there ultimately is no reason and that is why Homebridge hasn't given us an answer or opportunity to proceed. We have pensions and guaranteed retirement income, low debt to income, low combined loan to value ratio 's and superb credit. We are A+ borrowers.

I know that the loan officer was having issues with the company and I feel that Homebridge is punishing us, the customer, to resolve an employee issue ( or try to make him leave ).
Product: Debt collection

Good morning. I am a consumer bankruptcy attorney. As such I sometimes get letters addressed to debtors whom I do no know and/or do not represent. I always contact the collection company to let them know. Today I contacted XXXX XXXX XXXX XXXX by phone to let them know or represent a " XXXX XXXX XXXX, XXXX ). They asked for the " XXXX ID XXXX '' and the representative advised that they could not pull up the account by the ID Number as XXXX 's ID XXXX. have all changed. I was stunned that they are sending letters to wrong addresses and when I call them so that they can update their system to give property notice to a debtor they have no way to update their system. XXXX was collecting for LVNV so I reached out to them directly to advise them of the problems and my concern. They said they could only pull the account up in their system if I had the debtor 's social security number. Of course I do not know or represent the individual so how could I have the social security number. My question is how can they be properly noticing the debtors if, when they care sending incorrect notices out, they have no way to update the system when someone calls to tell them they have the wrong address. My guess is that this is a systemic problem and something the CFPB should be investigating for pattern and practice.
Product: Credit card or prepaid card

Transaction date : XX/XX/2022. 
Amount : {$960.00}. 

I am an XXXX XXXX stationed in XXXX. While vacationing in XXXX I signed a non-binding agreement to purchase 2 tailored suits. However, upon finding out they were scamming and overcharging people, I canceled the order and did not go in for my measurements/fitting. The merchant, being the scammers that they are, proceeded to charge my card anyway. I disputed this charge over a month ago. The company sided with the merchant because I signed the agreement. However, the merchant NEVER provided proof that the items were delivered to me. I showed them evidence that I never even took the measurements. The credit card company outright refuses to send me the alleged evidence they collected to arrive at their conclusion. Instead, they are asking me to proof that the items were never delivered. How am I supposed to do that? The burden of proof is on the merchant as in showing signed delivery confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 1681 c. ( 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 it the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

The law firm of McNeilePappas PC, has been constantly harassing me regarding a debt that was involved in a fraud case that involved my wifes information as well as mine being compromised in XXXX. During XXXX, XXXX XXXX incurred a breach of their system and my wifes account was compromised. Someone in the XXXX New York area used a bank account that belonged to myself as well as my wife to intentionally commit fraudulent acts towards her account, or at the time only her account. What the individual did was used a stored bank payment account on file with XXXX XXXXXXXX to pay off my wifes card and immediately have a new card issued to be XXXX  overnight to the address listed as being in XXXX, New York. My wife was able to catch the transaction right in the process due to an unfamiliar email issued by XXXX XXXX. The problem began when I learned that the same exact thing occurred to me. However, the circumstances were somewhat different. 

An account was opened using the payment information from the fraudulent activity on my wifes card because the bank account was a shared accout. An account was opened without my knowledge and I had no idea that the card existed until I began to receive notices from the law firm listed above as McNeilePappas PC. This group sent one letter and then moved forward to serve us with civil suit paperwork without even providing us the time required to respond to the initial documentation. I returned the answer through the courts and pled, not guilty. I further went on in the answer to detail a listing of requested supporting documentation to substatiate the allegation that this debt in fact belonged to me. 

What I received back from the firm was a tampered with document hidding vital information necessary to make a legitimate claim as to how they came to own this debt that they were alledging as being owed by me. Because of this fact alone this collector has violated 15 US Code SS 1692e-False or Misleading representations. The law firm of McNeilePappas PC, violated the FDCPA ( Fair Debt Collection Practices Act ) by intentionally sought to seek relief for which they intentially mislead me into believing belonged to me. 

By intentionally covering up the amount owed and paid for the alledged debt they say is owed by me, questions the fact of the true amount of the debt. I do not owe this debt again because it was as the result of a previous fraudulent act committed against my wife on a shared banking account that was compromised. Furthermore, McNeilePappas PC,  illegally moved forward on a debt that they did not validate as belonging to me, which it does not. Additionally, the firm never threatened to take legal action they just jumped the gun  and pushed forward with unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report against Mercedes Benz Financial Services because they are filing with the credit report inaccurate information. This financial institution has been reporting a delinquency to the credit report despite me giving them my payments on time without any delays. I'm a very punctual person that makes their payments on time always and despite this fact they are claiming that they have conducted an " investigation '' and they are concluding that the delinquency is valid. In addition, they hung up the phone on me multiple times and claimed they will not remove the delinquency to protect their brand. Their brand is not of my concern because they made the error and they need to fix it. If my payment was processed by them on time I'm not supposed to be held responsible for their shortcomings. Therefore, this issue needs to be resolved and the payment that I made on time must be reported correctly. Just because they are Mercedes Benz and they have a high reputation in the automotive industry does not give them the exception to treat consumers like garbage. I make all my payments on time and they can not bring their reputation to avoid responsibility.
Product: Debt collection

I indicated to the company that this debt was not mine and requested a copy of the signed contract that would prove my agreement to enter a business relationship with the vendor. 

However, they only provided a series of invoices for the months the service was supposed to be provided. 

I also requested proof of equipment delivery and activation, and this was also never provided.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally file a complaint and seek assistance regarding a data breach that recently exposed my personal information. I am deeply concerned about this breach and its potential impact on my privacy and financial security. 

Specifically, I have been informed that my personal financial data, which is protected under the Fair Credit Reporting Act ( FCRA ), was compromised during the data breach. The exposed information includes personal demographic information, financial history, credit, etc. 

According to the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I understand that consumer reporting agencies and any entities collecting and sharing consumer information are required to maintain strict safeguards to protect the privacy and security of personal data. Under 15 U.S.C. 1681b, entities must take steps to prevent unauthorized access and disclosure of such sensitive information. 

Given the circumstances, I request that the Consumer Financial Protection Bureau take the following actions : Investigate the circumstances surrounding the data breach to determine whether any laws under the FCRA were violated. 
Remove all collection, bankruptcy, charge-off, and late payments from my credit report as my identity has been compromised Ensure that the responsible party takes appropriate remedial actions, including notifying affected individuals in accordance with applicable state and federal laws. 
Provide guidance and support on the steps I can take to protect my identity and financial information moving forward. 

I believe that the exposure of personal data through this breach constitutes a serious violation of my rights to privacy under the FCRA, and I trust that the CFPB will take the necessary steps to ensure that consumer protections are upheld in this matter. 

Please let me know how I should proceed or if any additional documentation or information is required from me to assist in the investigation. Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX