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

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Mortgage

XXXX XXXX transferred my mortgage to BSI Financial. I have had nothing but issues with this company. First, they charged me double my PMI. My original loan said PMI was {$42.00} and I was charged {$85.00} a month from XX/XX/XXXX through XX/XX/XXXX. I complained when my PMI was not timely removed after I had paid down my mortgage and BSI refunded the XXXX payment. They said it would take 30 days to remove a PMI payment from my account. They still owe me {$42.00} for 5 months PMI overcharge. I was told it was being reviewed and would be refunded in a phone call in early XX/XX/XXXX. Its been over 30 days and nothing is applied to my account or refunded by check. Secondly, this company continually held my additional principal payments. I would mark the additional to be all principal and they would put it in " unapplied funds '' for up to 2 weeks. These were large payments so this cost me additional undue interest while I assume they made interest on my money. I think that is the reason for delays and processing that takes 30 days. Third issue is with my bi-weekly payments. I set up bi-weekly payments to avoid all the issues with not being able to get my principal applied timely and to reduce my interest and number of payments. I was sent notification from BSI that they received my application for Bi-Weekly drafts of {$1000.00}. My first draft was taken from my bank account XX/XX/XXXX. I looked at my account and the entire payment is sitting in " unapplied funds '' where it has been for 8 days with a notice my account is 8 days past due. PAST DUE??? I called customer service and was informed that the payment would stay in unapplied until they receive the second payment on the XXXX and at that time it would all be applied to my loan. I asked to speak to someone else and explained that the whole intent of bi-weekly payments was to reduce the number of months and save interest. The customer service agent repeated herself and said that was the policy and anyone else I spoke to would tell me the same. Its like the customer service reps don't even know enough to even understand mortgage loans. I didn't make a partial payment. I made a full by-weekly payment and I requested it be applied to my account retroactively so that I would receive the expected saved interest. Even the amortization calculator on my account shows how bi-weekly payments are designed to work. With my additional principal payment and bi -weekly payments I'm projected to save over {$40000.00} in interest. This company is treating the bi-weekly payment as I'm just late every month and I accrue even more interest which is the opposite of what a bi-weekly payment does. Ongoing issues with BSI financial including their inept customer service reps, their delayed response time, their fraudulent processing and mortgage lack of servicing is not only costing me financially, it is causing me emotional distress and is very time consuming having to watch-dog my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My legal name is XXXX XXXX XXXX NOT NOT XXXX XXXX XXXX XXXX MY DRIVERS LICENSE, IRS RETURNS HAVE ALWAYS BEEN XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX in XX/XX/XXXX at XXXX XXXX XXXX with XXXX XXXX as the loan company. Payments were made on time and did not have any issues with them for the duration of the lease. I decided to upgrade my vehicle in XX/XX/XXXX with XXXX XXXX XXXX because they offered to pay over mileage, the 2 remaining payments and the disposition fee which totaled {$1800.00}. XXXX had someone come to pick up the rouge about a week later. In XXXX I received a bill for {$1000.00}. I called and spoke to a representative to let them know I was responsible for {$580.00} which was the car tax that I know I owed to them. Also, that there was no way there was {$480.00} worth of damage on the vehicle as there was only minor wear and tear. The representative tried to offer me a discounted rate of {$820.00} which I declined because I did not owe them that much money. In XXXX I found out that the payment that the dealer sent was misapplied and they would not apply it correctly. I then reached out to the better business bureau because I was being treated unfairly. I realized that XXXX XXXX is known for overcharging and treating customer horribly at the end of their leases. The car dealership even told me they stopped doing business with them because there is always end of lease issues with XXXX and it has caused them to lose customers. I was dealing with the better business bureau to try to get this situation handled and i noticed that XXXX started reporting me late on my lease even though i have always paid my lease on time. The lease was up in XXXX and they reported me as late in XXXX, XXXX and XXXX and my credit took a 50 point dip. Working the the XXXX a XXXX representative offered a settlement of {$200.00} and if I paid it that the negative items would be removed from my credit report. So, even though i did not feel that I owed them that much money I paid it so that my credit could be restored. About a month later I noticed my credit score had not changed, so I emailed the representative to ask her when the negative items would be taken off my credit report and found out that they cashed the check but had not applied the payment. They then applied the payment to my account and my file was updated not paid in full and still had collections on it. I disputed the file about 4 times and not it shows that i have 2 accounts with XXXX, one that shows that the lease was paid on time from XX/XX/XXXX-XX/XX/XXXX and another that shows paid, was a charge off and is negative XXXX, XXXX and XXXX. So my credit is still jacked up and XXXX did not live up to their part of the deal.
Product: Checking or savings account

On XX/XX/2020 I was offered concert tickets for an upcoming show via XXXX. After some back and forth in the conversation we settled on a price and payment method - XXXX  I sent the payment, and the person immediately asked me to send more money to a different user name using the same payment method. I told her I would not send any more money until the money I'd just sent had been returned. Further excuses came up as to why I wasn't getting the money returned, and I knew I had been scammed I reported the issue to XXXX  only to be told there was nothing they could do. After MUCH struggle with trying to get assistance from XXXX XXXX I contacted my bank, Chase. I filed a claim within 24 hrs to notify them of this fraud to try and protect my funds and push back to XXXX XXXX to hold the scammer accountable for the false transaction. After Chase did their " research '' I was told they considered it a valid transaction and let the money be deducted from my account. They made no efforts to request evidence from me to validate that I had been scammed and just allowed XXXX XXXX to facilitate this fraudulent act at my expense. A bank their size should DEFINITELY have measures in place to protect their customers from these sorts of illegitimate transactions, and they are just assisting thieves to take money from honest people.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXX XXXX bank XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly made attempts to contact XXXX chase morgan and they refuse to return phone calls and voicemails. 

Made attempts to speak to management who are always ( amazingly enough ) too busy to speak because they are in meetings regardless of day or time. 

Issues are not being resolved and jpmorgan has again made ZERO attempts to resolve my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$2600.00} XXXX  XXXX XX/XX/XXXX {$1900.00} XXXX XX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report is showing an open account as closed. I would like this fixed and updated immediately. The account is : XXXX XXXX XXXX XXXXXXXX Credit limit- {$650.00} Date openedXXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # xxxxxx XXXX, has violated my rights by reporting the following inaccuracies that are Un-Verified without my consent. 
XXXX XXXX  30 days past due XXXX XXXX 30 days past due XXXX XXXX 60 days past due XXXX XXXX  30 past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 30 days past due I demand that this account be updated to paid as agreed and never late. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

To CFPB, I am submitting this formal complaint against XXXX, XXXX XXXX, and XXXX XXXX regarding unauthorized credit accounts fraudulently opened in my name due to identity theft. Despite my efforts to dispute these accounts and request their removal in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), the institutions have failed to act appropriately.

Background of the Issue : On 12/20/2024, I became aware that five unauthorized credit card accounts had been fraudulently opened in my name : Three ( 3 ) accounts with XXXX ( {$6500.00} ), ( {$6200.00} ), ( XXXX ) totaling ( {$15000.00} ) One ( 1 ) account with XXXX XXXX XXXX ( {$6900.00} ) One ( 1 ) account with XXXX XXXX opened XX/XX/XXXX ( {$6600.00} ) XXXX Inquiry date XX/XX/XXXX XXXX CARDS XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX I did not apply for these accounts, nor did I authorize anyone to do so. 
As soon as I became aware of the identity theft, I took the following actions : Filed an identity theft report with the Federal Trade Commission ( FTC ). 
Contacted the credit bureaus and requested fraud alerts and credit freezes. 
Sent written disputes to XXXX, XXXX XXXX, and XXXX XXXX along with a copy of my FTC Identity Theft Report and a request to block the fraudulent accounts as required under FCRA 605B.

Violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) : Pursuant to the Fair Credit Reporting Act 605B, when a consumer provides an identity theft report, credit reporting agencies and furnishers of fraudulent account information are required to block the fraudulent information from appearing on the consumers credit report. Despite my submission of the necessary documentation : XXXX, XXXX XXXX, and XXXX XXXX failed to remove the fraudulent accounts. 
The credit bureaus have not blocked these fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNIOUN IS INTENTIONALLY DRIVING MY CREDIT SCORE DOWN AND INCORRECTLY REPORTING MAKING CREDIT NEGATIVE.
Product: Student loan

I had to use forbearance. I was n't told about lower payments. My payments went from around {$80.00} a month to over {$300.00} a month. With the interest like it is, I do n't feel like I will ever get it paid off. Plus I ca n't really get any answers. I realized I 'd be paying back more than I borrowed but not over three times the amount. A student loan should n't be how many times higher than a home or vehicle loan.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : EXPERIAN XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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, credit repair services, or other personal consumer reports

There is an account for CIG Financial reporting on my credit reports. On at least 3 occasions in the last year I have requested information on this delinquent account. On one occasion they responded with information that did not belong to me. Apparently this is an auto loan account. Upon my request they submitted " validation '' of the account. According to their records, the charge off was for a XXXX car, which I have never owned or purchased. I subsequently responded advising that they are reporting inaccurate information on my credit reports. This is when they stopped responding to my requests. 
Please help me. I am trying to purchase a home for my children and this account, this overtly inaccurately reporting account is stopping that process. 
I need some muscle to help me fight this. I've never purchase a XXXX car. This is what they have as a charge off on my credit reports. I would say that falls in line with inaccurate and must be deleted. 
Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times asking for validation of debt by on XXXX XXXX. I have not received validation from XXXX or Experian. Experian continues to post the data, even though it is a clear violation of US HIPPA laws and fair debt collection practices. 

In a previous complaint with the CFPB I request that Experian directly provide the validation as I have not received it from XXXX XXXX, and they did not do so. 

I have asked multiple times of multiple parties involved the following : 1. Justification of the claimed amounts, including itemized invoices and receipts 2. Explanation of how you calculated the amount owed 3. The identity of the original creditor 4. Proof that the Statute of Limitations has not expired on this account. 5. Proof that you are licensed to collect debt in my state. 6. Your license numbers and registration agent, or agent of service. 7. Any and all proof that you are following all HIPPA laws as you are a medical debt collector. 

I have yet to receive any of up but Experian resolves the dispute as information stands.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX