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

Around XX/XX/2023 my bank That I had a checking Account with was Closed due to Suspicious Activity which resulted in XXXX XXXX XXXX Reversing a payment or part of a payment around the Amount of {$300.00}. Instead Of the Lender Reaching out to me and informing me, I discovered the incident while trying to Pre-qualify for a home loan. The lender Did not Send a delinquency notice By Mail, Email, or attempt to collect By Telephone. The incident caused my credit scores to plummet. I believe when such incidents as such occurs it should be The lenders responsibility to Reach out to the consumer to resolve the matter before making negative remarks. This reversal occurred around 45 days after the payment of {$440.00} was made. My personal Banking Institution Returned the funds reversed By XXXX to A new Checking account and If the lender had taken proper Protocol and procedure I could have taken the opportunity to correct the adverse action. However they took it at their own liberty to Report the loan deficient. They did not make any contact with me to inform or allow me the chance to correct the discrepancy causing me to Be Denied of Obtaining A mortgage Pre-approval. The original payment was made and they made the decision to reverse the payment. Without informing me of that, and allowing me to remake that payment to stay current. This affected me and caused me to have to request An loan extension which couldve been used some other time of hardship to become current on the loan
Product: Checking or savings account

Yesterday XXXX XXXX it was XXXX XXXX I went too a XXXX ATM too withdraw {$200.00} dollars off my chime card I put my pin in and clicked for the {$200.00} and I never received the money but it took the {$200.00} out of my account, so I tried a second time and it denied me and that was at XXXXXXXX XXXX so I tried a XXXX time at XXXX XXXX and it finally disputed the {$200.00} dollars out
Product: Mortgage

In XX/XX/2019 our escrow account was changed to reflect only {$54.00} per month due in taxes and our payment dropped. This year they figured out that this was wrong and anyone with intelligence should have realized this last year. They have raised our payments by {$1000.00} this year and that creates a real hardship.
Product: Debt collection

Identity Theft CAP ONE VIA DEALER Date of inquiry : XX/XX/year> I have not inquired about an Auto loan with Capital one, nor do i have a vehicle with Capital one. This account is a result of identity theft. I have Filed an FTC report followed by dispute letters which were mailed out to bureaus regarding this matter. Ive asked for a thorough investigation, and proof of ownership of this debt, and proof of allowing this company to sell my information to a company i did not authorize.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IHAVE MUTIPLE  INQUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT  XXXX ,  XXXX , EXPERIAN FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.
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. It's my understanding that XXXX, XXXX, AND EXPERIANwill investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX... XXXX
Product: Mortgage

This is a REAL loan estimate a client was given today. Licensed Loan Officer. In my inbox now enroute to the CFPB next. No taxes. No recording fees. No tax stamps. No title. No insurance. No escrows. No points. This is a VA Loan. XXXX New Build. XXXX type credit, 90 days rate lock ( supposedly ). Cash to close is {$810.00}. I can not even count the number of " accidental omissions '' can you?
Product: Checking or savings account

I deposited cash into atm on XX/XX/year>. And an error came up printed my deposit exception record. Contacted bank they reimbursed me XXXX. I said thats fine when the dispute is over they would deposit the rest. 2 months go by never hear anything. So I call again they say you should had gotten a letter we reimbursed your money I said no you reimbursed a partial payment so gave me the XXXX number for disputes threw key bank Ive contacted them 7 times and told every time someone would get back to me and this would be fixed. Its now almost 4 months later. No phone calls nothing is being fixed
Product: Credit reporting or other personal consumer reports

Experian stated in reply to my CFPB Complaint # XXXX that I submitted on XX/XX/ : Experian stated in their reply on XX/XX/ : Description Of Non - Monetary Relief " According to our records the disputed information does not appear on your credit report. " Unfortunately, these XXXX accounts were never removed at any point from my Experian Credit Report and are still reporting on the day of this complaint ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want all these accounts deleted from my credit report immediately. 

I can prove these items were never not reporting and I disputed them CFPB Complaint # XXXX XXXX stating that Title 15 U.S.C 1681Section 602 states I have a right to privacy, and 15 USC states a consumer reporting agency can not furnish an account without my instructions.

I can prove this because I subscribe to 2 credit monitoring services that I pay separate fees to each month.

Additionally, I also check annualcredutreporrt .com on a weekly basis.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect debt listed under your name on my credit report. According to the information provided by the credit bureaus, your company is reporting a debt of [ $ amount ] on my credit file. However, I believe this information to be inaccurate. 

The details listed on my credit report are as follows : - Account Name : IC SYSTEMS - Reported Amount : {$270.00} - Report Date : XX/XX/year> I request that you thoroughly investigate this matter and provide confirmation of the validity of this debt. To assist in your investigation, I have attached relevant documents that support my claim that the debt is incorrect or does not belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate information corrected or removed from my credit report. I kindly request that you review this dispute and take the necessary steps to rectify any errors. Please confirm in writing once the issue has been resolved. 

If additional information is needed or if I need to take further action, please let me know. Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an auto loan with this company in 2013. My car was totaled. Up until my car was totaled, my account was current, and all payments were made on time. When the car was totaled, my Santander, my insurance, and GAP insurance were notified. My insurance paid Santander the worth of the car and GAP insurance covered the rest. While this was processing Santander continued to charge me fees, payments, and more fees. The balance was originally reported as one months worth of payments, then it was reported as {$460.00}, now it is {$590.00}. They continue to change the balance amount even though it should be a XXXX  balance because they were paid by the insurance and GAP insurance. I have pulled my credit report and realize that it is severely, negatively, impacting my credit when it should not be a negative account at all. I also attempted to send the company an offer to pay a small percentage of the balance-that I do not believe I owe- just to have it removed from my credit and they did not respond. I have also asked all three credit bureaus to produce valid concrete proof that I owe this debt. I have not been provided with proof because I can only assume, as mentioned, this is because I should not owe them a penny. They should have stopped collecting and asking for money since being paid the balance by my insurance companies. Regardless, there is no proof. I am demanding one of two things. Santander needs to stop reporting this as a negative account and fix the account to CORRECTLY display the accuracy that is/was my outstanding payment history, the payments from my insurance and GAP, and the XXXX amount that I owe them. Option number two, is to delete this account from my credit report. Period. I DO NOT owe Santander anything. They were paid in full by insurance and chose to continue adding fees after the fact. I want this either corrected on my credit report to reflect positively, or removed. IMMEDIETELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Is Not Reporting all my Credit Cards or Credit History in the XXXX XXXX XXXX XXXX XXXX XXXX. Over two months ago I was added as an authorized user of XXXX XXXX  XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year XXXX XXXX and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to protest about specific records in my document as a result of their wrongdoing. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, either way, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have opened as a result of identity theft. 
XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : Credit bureau Transunion allegedly verified all accounts positive and adverse within my credit reports as " accurate '' in year XXXX and part of XXXX. A complaint was filed and some of the negative information was deleted. However, Transunion has failed to comply with request after request to update several accounts to positive or delete the accounts since the alleged accounts were " verified '' under a different consumer 's name. 

After failed attempts to resolve this matter with Transunion, I respectfully submit a request here asking you to notify Transunion to remove the following accounts that were " verified '' as " accurate '' during their investigations for over a year now. 

Please update 1 : XXXX XXXX XXXX # XXXXRemove late remarks and update the account to a positive status. 
2. XXXX XXXX XXXX This account was never late and was paid in FULL. Please remove the derogatory status off this account. 

Failure to comply, we will seek monetary damages of {$1000.00} per the FCRA against your company for the willful and negligent reporting of my information under another consumer 's name ( XXXX XXXX XXXX. 

I am attaching supporting documentation to support this claim. We also seek a resolution to matter to be concluded within 15 days. No exceptions. 

Respectfully submitted, 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX 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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX and list of Inquiries. 

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: Debt collection

Direct Recovery Services has within the past two weeks contacted by brother, sister, brother in-laws, mom, ex husband, former employer and an old roommate. After my brother was contacted I called the number given to him and asked for clarification of debt or something in writing. The guy told me I was refusing to pay by asking that and wanted a debit card number for payment. I refused, he also stated to my brother in-law that it sounded like he didn't have a job and he could fill out a loan application. 
This harassment has caused extreme problems in my life and the constant phone calls to my family, ex family, ex employer and ex roommate are beyond extreme. 
I asked the gentleman that answered when I called how he got my brothers information and he said he looked up all of my contacts. My brother in-law was also told that I used him as a reference which I would never do because I can't stand him. They are asking for {$940.00} for a XX/XX/2016 debt that I don't recall having with XXXX. I had a previous loan with the company that was paid in full. These people are extremely rude, aggressive and vague on every conversation they have had.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was removed previously but was applied back on to credit. The agency has failed to provide documents I sent certified letters in request multiple time and have also failed to answer the lawsuit within do time.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate correction of inaccurate information regarding an account listed on my credit report. The account in question is being reported by : XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX This account has been closed, yet it is still incorrectly reporting as open on my credit report. This misrepresentation is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports.

Furthermore, parroting information provided by data furnishers without conducting an independent verification constitutes willful noncompliance, as affirmed in Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ).

Pursuant to FCRA ( 15 U.S.C. 1681i ), I am requesting : Immediate removal or correction of this accounts status on all three credit bureaus ( TransUnion, Equifax, and Experian ). 
Verification of your independent investigation into this accounts accuracy, including a detailed explanation of the findings. 
If this matter is not corrected within 30 days, as required by law, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's Office for failure to comply with federal credit reporting laws.
Product: Debt collection

I was in line filling out my information with the front desk, I said I didn't need them any longer and walked out. They still billed me $ XXXX by mail and I didn't pay because it was fraud. I have been in collections for 2+ years now because of this situation. These guys are fraudsters. 

Opened : XX/XX/2019 ( 1 yr, 11 mos ) Account status : Open -- Amount Attempting to Collect : {$1000.00} Original creditor : XXXX XXXX XXXX -- Creditor Information AARGON AGENCY INC ( XXXX ) XXXX
Product: Vehicle loan or lease

Lender has applied over 70 % of payment amount of all payments on auto loan in XXXX towards the principal instead of the both principal and interest. There is also a billing error from the month of XX/XX/XXXX due to the payments not being correctly applied to the account from the months of XXXX XXXXAccording to XX/XX/XXXX statement the past due amount includent monthly payment XXXX, past due {$540.00} and late fees of {$140.00} reflects {$1200.00} due by XX/XX/XXXX. On XX/XX/XXXX I paid {$570.00} for XXXX and on XXXX I paid {$570.00} for XXXX payment. Total that is {$1100.00}. I do not understand why my account is reflecting {$1800.00} due for XXXX besides XXXX payment {$570.00} that has not been submitted yet.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

This company was reporting debts on my credit report that were unfamiliar to me. After seeking legal council I was advised to exercise my right to request validation of the accounts pursuant to the Fair Debt Collection Practices Act. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the accounts with the credit bureau following my dispute with the credit bureau.