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

I have sent a number of disputes pertaining to frauduleent and unauthorized accounts on my credit report. I sent the disputes letters out on XX/XX/XXXX and XX/XX/XXXX without any correction to the fraudulent/ inaccuracy accounts. This fraudulent accounts that I am referencing consist of the following XXXX XXXX XXXX XXXXXXXX The fraudulant inquiries the I am referencing consist of the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to get a new home and these items will not get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit account with XXXX called XXXX XXXX in 2017. When I opened the account I was in formed that it would never appear on my credit report XXXX says they own my account The account number they have is not my account number. I never opened an account with XXXX XXXX and I have never heard of them until they appeared inaccurate information on my credit report. Now they are reporting false info to my credit report after I contacted them I have spoken with their fraud department. I said I never opened an account with them and had never heard of them. They admit they never informed me of credit reporting I have the recording form the fraud department of the XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Product: Mortgage

My neighbors sued me starting in XXXX for a prescriptive easement over my property ( moving historical easement location ) and they added myself as a defendant and they added Planet Home lending as a defendant. I contacted Planet home lending and they said they were ignoring the requests for information and other court paperwork because the easement issue had nothign to do with them and they were not going to be involved. A few days before court in XX/XX/XXXX, I notice a 2 page submission from Planet home lending to the courts saying they have nothing to do with the case and have no judgement in any ruling with the easement as it does not affect their lein on the property. I was not notfied they were submitting this letter nor did I have any involvement in the 2 page submission. They already previously told me they would not help me and would not be getting involved.

I just received my monthly mortgage statement and Planet Home Lending has added a {$750.00} charge on XXXX XX/XX/XXXX for Litigation Attorney Fees. They never litigated for me at all and when I contacted them today, they said they are recovering legal funds spent on my behalf. They were separate defendants on the case and were being sued by the plaintiff. 

They said I have to pay it but I never asked for them to write any documents because they choose not to be involved. And not to mention, I received no statement of services for legal nor a separate billing, just my regular monthly mortgage statement. 

Can you assist in determining if this is legal for them to charge me legal fees for something I have no control over as they were sued by someone else?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  Constantly allow XXXX to add fraudulent acts to my credit. countless times it had to be remove be they allow the company to constantly and illegally add it back on by changing info slightly to the act. 
This is getting XXXX ridiculous now I have no protection and everytime i decide to take my alerts off I get these stupid thing happening again XXXX has allowed numerous inquiries on it. 
please can someone do something about this XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal  ( XXXX ) XXXX XXXXXXXX  Inquiry : XXXX XXXX, XXXX + Utilities and Fuel  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

# XXXX On XX/XX/2024 I requested a proof of notice, which they did not provide. They are in violation of my rights. In addition, please provide certified paperwork showing you have any rights to collection the debt. 

Also, please provide an assignment debt for the creditor. I'm looking for any bills, but only what I requested.
Product: Credit card or prepaid card

I have taken the liberty of compiling all of the credit card and credit limits that have been affected due to Synchrony Bank 's harsh and detrimental behavior. The credit cards are as follo w  s : 1.   TJ Maxx/Marshalls  XXXX   XXXX   XXXX   XXXX , card ending in  XXXX , {$2400.00} limit - closed completely in  XXXX  without explanation and had a {$0.00} balance, open since  XXXX , never late 2.  XXXX , card ending in  XXXX , {$6000.00} limit - lowered to {$100.00} and had a {$0.00} balance when lowered without explanation, open since  XXXX , never la te 3 .   XXXX   XXXX    XXXX , card ending in  XXXX , {$5000.00} limit - lowered to {$630.00} and had a {$200.00} balance when lowered without explanation, open since  XXXX , neve r late 4. Walmart,  card ending in  XXXX , {$1200.00} limit - lowered to {$100.00} and had a {$0.00} balance when lowered, just recently closed  XXXX / XXXX / XXXX  without explanation, open since  XXXX , never  la  te 5. Amazon   Prime, card  ending in  XXXX , {$2500.00} limit - lowered to {$100.00} and had a credit of {$140.00} when lowered without explanation, open since  XXXX , nev er late 6.   XXXX   XXXX   XXXX   XXXX  , card ending in  XXXX , {$3500.00} limit - lowered to {$1500.00} and had a balance of {$1200.00} when lowered without explanation, open since  XXXX , never  late 7.  Care Credit, card ending in  XXXX , {$3900.00} limit - lowered to {$2900.00} and had a {$0.00} balance when lowered, just recently closed on  XXXX  without explanation and open since  XXXX , never  late Total affec ted amounts : {$24000.0 0} New limit totals :  {$2300.00} Now you can clearly see why I am upset and am boycotting these stores. This entire situation has impacted my credit negatively. Synchrony Bank not once reached out to me during their credit lowering and closing process.     Thank you again,  XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX, I fell victim to a multi-layered scam operation run by Hackers which involved me making deposits for a total amount of {$26000.00} USD as unauthorized transactions from my Coinbase account to Hackers wallet. 

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbase s conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.

Basis For Demand The U.S. Securities and Exchange Commission ( SEC ) has found that cryptocurrencies are unregistered securit [ ies ] under the Securities Act of 1933 ( the Security Act ). It has further found that institutions that ( a ) charge transaction fees for handling customer crypto funds provide a market for buyers and sellers of crypto and ( b ) settle its customers crypto accounts, are acting as unregistered brokers under the Securities Exchange Act of 1934 ( the Exchange Act ). See Complaint, SEC v. Coinbase, Inc. and Coinbase Global, No. 1:23-cv-04738 ( S.D.N.Y. XX/XX/XXXX ). Courts have agreed with the SEC and found cryptocurrencies to constitute unregistered securities. See, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Pursuant to Section 78cc ( b ) of the Exchange Act, customers of transactions involving unregistered securities by an unregistered broker have a right to rescind their crypto-purchase contract.

Even if I did not have a right to rescind the purchase of the cryptocurrency, the foregoing Transactions were fraudulent, and I am therefore entitled to have the amounts set forth above returned to their account pursuant to the representations made by you. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX  ) 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, credit repair services, or other personal consumer reports

I am requesting the removal of two judgments ( listed below ) from my Experian credit report due to Civil Case No. XXXX, XXXX XXXX , XXXX Al., v. XXXX XXXX XXXX , XXXX. I requested in writing and over the phone on MULTIPLE occasions over the last year and I still have not received anything. Today, XX/XX/2018 at XXXX on a recorded line I spoke with XXXX in the special service department who told me, 'Experian can't give me any documentation supporting their verification and I must get it directly from the creditor ', who has already put in writing that they did not verify anything with any CRAs. I do not know the source of their verification information on these bankruptcies and due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please  remove these bankruptcies as soon as possible. 


Since this is a request and not a dispute, I would like to receive confirmation that all bankruptcies listed on my credit report have been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I paid Chrysler capital {$27000.00} and paid off My XXXX XXXX 2017. Since then even though I called and requested them to release my title, they didn't send me. 
As a result I am unable to Sign a contract with XXXX  XXXX. XXXX XXXX was interested to give me Bussienss. 
Chrysler Capital is not bothered at all to send me my title which I have right to have it. I need my title ASAP. 
thank you very much XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

At the time of purchase, our original mortgage was with XXXX. 
On our original loan, we were making payments on time regularly. 

We were made aware in XXXX of 2023 via mail from XXXX that impounds were being incorrectly calculated by XXXX while they held the loan. 

XXXX was now assuming our loan from XXXX, but XXXX noted that XXXX should have been applying approx {$900.00} to the impound account rather than the {$500.00} they had been applying for quite some time before selling our loan to XXXX. 

XXXX insisted I pay approximately $ XXXX immediately to bring the loan into compliance, and to avoid delinquent reporting. 

Although this large unexpected expense was a severe hit to our budget, we complied. 

To have a blank slate, and to avoid further confusion as to where monies were going, we created a new bank account with XXXX for any future mortgage payments. 

We made the update of the new account on their secure website. 

We did not take a snip-it/screenshot of the confirmation since it would be recorded on their site. 

Though we had made this change, XXXX continued to auto-deduct from the original bank account but said we were not making the payments. 

We had the confirmation we were paying via our XXXX personal banker 's records. 

Upon our informing XXXX of this, XXXX stated that there was a glitch in their system, yet chose not to correct their error. 

This latest error ( " XXXX '' ) was only discovered when the city sent us a tax bill claiming non-payment of the very same taxes that were rolled into our mortgage. 
We were fuming now! 

This is how we learned of their error in not allocating our payments correctly. 

All of this was taking a huge toll on our budget in addition to XXXX taking my spouse out of work as well. 

XXXX sold our mortgage to XXXX, and we continued to make our payments as directed. 

We feel that we were improperly informed of factual changes and errors that put undue stress and hardship on our family. 

XXXX. The new assessment for the house. 
XXXX. A subsequent tax increase. 
XXXX. Disclosure of newly allocated monies regarding principal, interest, and taxes. 
This coupled with the fact that they were not making payments to the taxes, and not applying the appropriate funds to the correct places. 

By now, we were so very happy that XXXX sold our account but they never applied our last payment they had pulled from the old bank account, kept the funds, and reported to XXXX that we were 2 months behind, ( which was an untruth ) This forced us to make payments totaling 3 months ' payments to XXXX to rectify the mistake of XXXX. 

We never got any more refunds or information detailing the payment they had taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. 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

To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXXXXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 Inquiries XXXX XXXX XXXX XXXX XX/XX/2022 Experian The request to remove these inquiries from my credit report has been made more than once, but I want them gone permanently. They are indeed violating the Fair Credit Reporting Act and should be deleted immediately! 
Sincerely, According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Vehicle loan or lease

Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer, 15 USC 1602 ( h ), and creditor, 15 USC 1602 ( f ), I issued my credit card over the phone to a CarMax Auto FinanceXXXX  XXXX representative XXXX XX/XX/2022, a consumer credit transaction was completed and CarMax denied credit. The denial by CarMax Auto FinanceXXXX XXXX XXXX XXXX my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I settled my XXXX XXXX account and it should be reporting as a XXXX balance. 
2. I filed a dispute with Equifax and within three days of the dispute Equifax reported the account as " verified '' with an outstanding debt of {$2500.00}. 
3. Either XXXX XXXX or Equifax failed to fully investigate the status of the account in a manner consistent with the FCRA. 
4. Either XXXX XXXX or Equifax has reported this account as closed on my consumer reports, but XXXX shows that the balance has been reported for 55 months as part of my credit utilization. 
5. Therefore, the credit bureau shows my utilization as 27 % while XXXX shows my credit utilization as 170 % due to the manner in which XXXX XXXX and/or the credit bureaus report the account through their internal systems.