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

I am writing to file a formal complaint regarding the inaccurate reporting of late payments on my credit report by XXXX, which has negatively impacted my credit score and ability to obtain financial services. 

Background of the Dispute Upon reviewing my credit report, I have identified that XXXX has reported late payments across multiple credit bureaus : XXXX : 30 Days Late as of XX/XX/year> XXXX : 150 Days Late as of XX/XX/year> TransUnion : 120 Days Late as of XX/XX/year> These discrepancies are not only inaccurate but have caused significant harm to my financial reputation. I am particularly concerned that XXXX has not followed the proper procedures required by the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards.

Legal Grounds Violation of 15 USC 1681 Section 602 : This section guarantees my right to privacy regarding the information reported on my credit report. It is my belief that XXXX failed to comply with this by not securing my authorization for reporting such data. 

Violation of 15 USC 1681 Section 604a ( Section 2 ) : This section prohibits consumer reporting agencies from furnishing information without my written consent. I have no record of authorizing XXXX to report these late payments. 

Violation of 15 USC 1666b : This section mandates that creditors must ensure periodic statements are sent at least 21 days before the payment due date. There is no evidence that XXXX followed these reasonable procedures for my account. 

Requested Action Detailed Investigation : I respectfully request that the CFPB initiate an investigation into this matter to ensure compliance with FCRA standards. Please require XXXX to provide certified internal documentation showing how they verified these late payments and the methodology used in the investigation. 

Removal of Late Payments : I demand that these inaccurate late payments be removed from my credit report. Given the documented inconsistencies across the credit bureaus, the accuracy and validity of these claims are questionable. 

Correction of Credit Report : My credit report should reflect the correct payment status for this account, indicating Pays as Agreed or Paid As Agreed as appropriate, and all late payment marks should be deleted from the record. 

Attached Evidence To support my complaint, I have attached my credit report showing the discrepancies in the reporting of the XXXX account across XXXX, XXXX, and TransUnion.
Product: Checking or savings account

On XX/XX/2020 we made a purchase at XXXX 's for {$180.00}. When we got home and checked our account it charged us 13 times for the same transaction. I called Suntrust bank and the lady I spoke to said there was a one our period where this happened to quite a bit of people and it should be corrected with in the hour. This did not happen. On XX/XX/2020 some of the transactions were taken off but some of them are still on our checking and savings accounts leaving us with no money period in either account. I called Suntrust again on XX/XX/XXXX and they still charged our account with 2 of these transactions. I was then told I would have to dispute these transactions and it could take up to 10 business days. They admitted that the mistake was made by them. I don't understand if they could take care of some of these transactions why they couldn't take care of all of them knowing it was their fault leaving both accounts in the negative. We are not able to fill prescriptions, buy food, get gas on anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 XXXXM XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX : {$9500.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX XXXX XXXX : {$360.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX, et al. v. XXXX, XXXX & XXXX XXXX XXXX, XXXX ; Case No. XXXX District Court for XXXX  XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Case XXXX I am filing CFPB complaint against Experian for fraudulent accounts that have appeared on my credit report, and I have been stressing to Experian that these accounts are a result of Identity Theft stemming from XXXX and XXXX XXXX Data Breach. The erroneous, fraudulent accounts consist of credit cards XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are not mine and I demand the fraudulent items listed to be removed, or I will hire an attorney and SUE EXPERIAN. Despite this, Experian continues to badger, bully, and psychologically harass me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Again, I request, pursuant to FCRA 605B ( 15 USC 1681c-2 ) that Experian block and remove within 4 days per statutes and request that all written confirmation relating to this CFPB matter be sent to me via email.
Product: Money transfer, virtual currency, or money service

I converted my virtual currency ( bitcoin ) to cash a couple of weeks ago - when I try to withdraw back to the bank institution I can not - there is a step I am missing but at this point only God seems to know that step and sadly he is not sharing. Every time over the past 2 weeks when I access their ( coinbase.com ) help center you can only speak to an ill informed chatbot or put your phone number into a queue and wait HOURS for them to call you. When they do call they tell you they are experiencing a large volume of calls ( every day for 2 solid weeks ) and the wait time is 1 hour, 5 hours later you are still on hold. The chat bot also puts you on hold. I just want my money in MY account NOT with coinbase.com.
Product: Credit card

I have a fraudulent account on my credit report in the name of XXXX XXXX XXXX amount of XXXX Can this be reoved from my accout
Product: Debt collection

Around XXXX my identity was stolen which I found out via charges on my Credit Union Debt card which can be verified through my Credit Union whom is XXXX XXXX XXXX in XXXX, XXXX. Soon there after and through many hardships of unemployment and uncertain financial situations past, present and future I am met with Summons from a harassing individual in regards to a Complaint for a XXXX XXXX Bank card that is past due and written off for collections on XXXX ( XXXX XXXX XXXX Case # XXXX ). Through multiple phone calls discussing the validity of said debt including me providing a written answer to XXXX XXXX XXXX who is handling the debt collection the dates and times were moved several times against my wishes for me to appear in court including a contact to my own cities XXXX House that I myself needed to adjust the date for my own sake because XXXX XXXX XXXX were given multiple chances at date revisions to combat my written answer. By me unable to attend a specific date change for the XXXX time even though a written answer was given and pleading to the Courthouse to change the date for me just once judgement was awarded by default to XXXX XXXX XXXX. I have asked multiple times for a copy of the signature agreement between myself and XXXX XXXX was done and never to this day was given. I have asked multiple times for common forensic evidence be provided to see if none, partial or all the debt is my burden through Signature, IP Digital Address Verification and other common financial forensic methods but have not received any. I respect that they have due justice on their side and went through the cracks to get a judgement awarded in their favor but now they are trying to Garnish Wages in the State of XXXX which is illegal if the person getting Garnished has received federal assistance which I have XXXX XXXX XXXX XXXX XXXX. I have provided documents to XXXX XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX 's attorney XXXX XXXX XXXX including form CV-423 and documentation showing proof of my collection of Federal SNAP assistance through XXXX of XXXX.
Product: Mortgage

Since XX/XX/XXXX, I have set up Auto Pay to pay my monthly mortgage payment to Lake View Loan Servicing LLC Subservicing by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX ; Phone : XXXX ). This month ( XX/XX/XXXX XXXX I have noticed that Lake View Loan Servicing LLC XXXX did not make any attempt to charge my checking bank account for the XXXX payment despite of sufficient funding in my account. I have tried hard to contact their toll free number waiting on the phone line for 30 minutes to one hour with no opportunity to talk to a customer service representative. I now realize that I have been assessed a late fee for the amount of {$46.00}. I have set up a one time payment to pay for the XXXX charge plus the late fee but I am baffled to find out why Lake View Loan Service LLC XXXX did not make any attempt to take out the monthly mortgage payment automatically from my bank account this month and then charged me {$46.00} for late penalty. I think there is a glitch in their system which I don't know how to find out because there is no one in their company to answer my phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MS XXXX Resident type Single family ( this is not a valid address ) XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family ( this a previous family address ) " I have never lived at this address/this is not my form Address
Product: Mortgage

I have repeatedly emailed Wells Fargo Mortgage company. I have taken screenshots of any and all emails that I have sent via their online email service prior to sending any and all communication. I stated that I was in the process of selling the home. I also stated that they made an error by denying the now deceased homeowners modification and owed the estate {$12000.00} per lawsuit and settlement. Wells Fargo has repeatedly denied this and stated that the home is in foreclosure and that the estate owes Wells Fargo. I have repeatedly requested the calculation for the error responsible for the modification denial and illegal foreclosure that Wells Fargo is attempting at this time. Wells Fargo is refusing to provide me with this calculation stating it is " confidential, privileged and / or proprietary information ''. Based on the fact that Wells Fargo is attempting to illegally foreclose on homes, public policy takes precedent over any proprietary concerns of a simple mathematical calculation, especially when it has already been proven to have been in error. There is no novel concept that could possibly be used for the good of society in this manner and protected yet foreclose on homes illegally. That is protecting corruption. That is deceptive and unfair trade practices at its worst. After demanding the calculation and Wells Fargo refusing, they then stated that they " verified that she does not have permission to receive information ''. This was sent on XX/XX/2019 ( see attached ). A day after their attorneys IN FACT verified that I am the legal executrix on file in the county courts ( please see the attached ). Wells Fargo is attempting to illegally foreclose on property. I have stated that I am attempting to sell said property ( I have these screenshots of this email communication ). Wells Fargo has repeatedly lied and acted in bad faith, which I have on record, both recorded voice and documented thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 XXXX a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Product: Credit reporting or other personal consumer reports

Consumer : ( XXXX XXXX ), Consumer XXXX : ( XXXX ) XXXX : ( XX/XX/XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you Experian credit reporting agency, block information appearing only credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This Schools Financial XX/XX/XXXX account XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX VCHAPTERXXXX BANKRUPTCY DISMISSED XXXX CHAPTERXXXX BANKRUPTCY DISMISSED XXXX
Product: Student loan

I have contacted fedloan multiple times this year requesting documentation of dates and amounts of interest added to my loan since it began. I noticed earlier this year that my amount due had jumped significantly but there is no record of the exact amount added to each loan, when and why. They basically keep telling me to look in my online account even though I keep telling them, the information I am requesting is not available there. It is crazy to me that I have been unable to see an accounting of my loan since it 's origin. Please help. I contacted them in regards to this on XXXX, XXXX, XXXX, XXXX andXX/XX/XXXX and they have still failed to provide documentation of my loan. I have attached a copy of the XX/XX/XXXX andXX/XX/XXXX statements that are available to me online so you can see that my balance jumped by {$910.00} with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017 I wrote certified letters petitioning Equifax, XXXX  and XXXX about erroneous items on my credit report, I asked for validation of these accounts and my authorizing of them to the creditor according to Section 609 of the Fair Credit Reporting Act, despite my legal rights of the aforementioned private agencies to report show validation of their reporting, I have received no such proof. This lack of effort/proof is leading to a negative fray on my financial representation and essentially leading to institutional slander of my credit worthiness. I also, sent certified letters of the same on XX/XX/XXXX to the aforementioned private entities and once again to no avail as to providing proof of reported accounts. My next step is legal action and I am petitioning this body of law enforcement to arbitrate and save both parties the negatives efforts such a case would bring about.
Product: Mortgage

On XX/XX/2009 US Bank Trust fraudulently used my estate and credits to fund their irrevocable trust with my home and my credits, the only paid {$1.00} and now I have filed a involuntary bankruptcy as the creditor who provided the credits and US BANK TRUST placed my property and credits it their own Business without disclosing and intentionally failed to disclose. My property has been paid with my promissory note from my estate and I am the lender who was criminalized by US BANK and US Bank Trust Securities Trustee is XXXX XXXXXXXX XXXX, now Ive requested that no taxes or interest be applied because I am the mortgage that was used to mortgage my home and no credits was given to me by this business and I would like them to remove their claim of liens because I havent signed anything placing me in a contract! Fraud has been committed and now I was forced into a forbearance that I never gave permission for them to lien in payment and I requested that all mortgage payments be cancelled on my 1099 a cancelling is bank debt of a {$1.00}
Product: Money transfer, virtual currency, or money service

I have been using PayPal for over a year and recently PayPal changed their usage structure without notice.

Now I am unable to make payment or purchases with my available credit " unless it is an approved purchase and approved vendor. '' I have an open line of credit that is in good standing but can nolonger access it as needed as before but am still being charged usage and interest fees without an ability to make any use of the line of credit.

They are forcing clients to open separate accounts to be able to use account properly. They have been pushing a debit and savings accounts that are now needed to use credit lines.
Product: Credit card or prepaid card

Received multiple calls to pay outstanding balance weeks in advance with no mention of the following form. Card declined after posting payment of half my statement. Fourth call to customer service advised I had to fill out IRS form 4506-C to verify income. Would not allow me to verify in any other way. Customer service also provided multiple different answers as to why my card kept declining before advising me to complete this form. Company has frozen use of my card until the IRS provides my recent tax returns. Would not accept them from me, or any paystubs ( I have record of all of my paystubs online from my employer ). Customer service had no way of expediting this verification. Typical turn around time is 60 days per the form. I recently paid down half of my outstanding statement balance. Expecting immediate use of my credit card after payment was posted, I no longer have money available to live for the rest of the week.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$560.00}
Product: Debt collection

Capital One Auto Finance is reporting payment information ( " Last Payment Made XX/XX/2021 ) after bankruptcy discharge to XXXX  credit bureau. This is a violation of Bankruptcy Code 11 U.S. Code Sec. 524 ( a ) ( 2 ). They are also reporting payment history on the same loan which was service transferred to XXXX XXXX and failed to notify XXXX  and XXXX  of this fact, which is a violation of the FCRA. In addition, Capital One Auto Finance violated the Fair Collection Practices Act ( 15 U.S.C. 1692e ) by " The threat to take any action that can not legally be taken or that is not intended to be taken. '' This violation occurred when Capital One Auto Finance posted the payment information ( " Last Payment Made XX/XX/2021 ) on my XXXX  credit report.
Product: Credit reporting or other personal consumer reports

NOTICE * GRAMM LEACH BLILEY ACT * NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to NATIONAL CREDIT ADJUSTERS that your institution has not conformed and is currently reporting to the credit bureaus in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX, HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from your institution as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out of my personal information from being shared w/ 3rd parties. So why does NATIONAL CREDIT ADJUSTERS, a non-complaint institution, continue to report negatively on my credit profile and put my privacy at risk?

Until compliance with Sec. 6802-6803 of the GLBA can be proven and substantiated, I DEMAND that NATIONAL CREDIT ADJUSTERS PERMANENTLY DELETE the following account ( s ) within 24 hours and forward to me on company letterhead proof of this occurrence to the address above.
Product: Debt collection

For weeks I have been recieving calls from a phone number which my XXXX identifies as XXXX, but the recording says it it from XXXX ( XXXX, I guess ). It gives me the reference number XXXX. When I first called then back, they told me that they were trying to collect a debit from XXXX XXXX XXXX, at a specific address in XXXX, Fl. I told them that this is not my company and I do not have any connections to the address they gave me. They asked for my phone number to lookup their system. I gave both my home and cell. They couldnt locate it on their system. They told me it was a mistake and they would update their system. That was during the first week of XX/XX/XXXX ( I kept the voice mail recording ). Since them, they have called me at least 10 more times, twice this week alone. For the first few, I ignored. The last two I answered and I got really aggravated as they still can not locate an acount with my phone numbers but somehow keep on calling to bother me with a debit of someone else. What else is left for me but to have an ulcer over this?