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

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
I have never opened any of these accounts. Please review this and remove this as soon as possible. 
Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Product: Mortgage

Nationstar denied XXXX XXXX application on the erroneous basis that she failed to submit documents. Nationstar continually requests documents in a piece meal fashion and as a result of its asking for documents one at a time, all the other documents grow stale and my clients ends up on a document production treadmill where the application is never completed because Nationstar requests documents one at a time or in piece meal. As a result, it denied XXXX XXXX application. All the necessary documents were PDF to XXXXXXXXXXXX but he is out of the office until XXXX XXXX, 2015. All the necessary documents were then faxed over to Nationstar today. 

Since, this is Nationstar 's error, we are requesting that it review XXXX XXXX application in its entirety and in the time frame required by HAMP, which it does not do.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account XXXX : XXXX XXXX Account XXXX : XXXX bal. {$81000.00}
Product: Mortgage

My mortgage company " American Financial Resources '' has charged me {$5.00} to {$10.00} extra for my monthly mortgage payment, depending on which day I pay. Typically, after the XXXX of the month a {$5.00} fee is added in addition to my payment. After the XXXX of the month a {$10.00} fee is added in addition to my payment. The official late charge is never assessed unless the payment is received after the XXXX of each month. My mortgage payment is not due until the XXXX of each month. There extra fees do not appear on my XXXX form for tax purposes. Are these fees charges by AFR ethical or legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to work with the company to settle the debt initially, and I was met with all kinds of unlawful practices and found the Kashable company to be a Predatory lender. I was forced to believe that I could afford the loan and in the event of termination of employment, they had insurance to help to continue to make payment for you that was included in your loan payments was told when I got the loan in XXXX of 2019. I found out that was completely wrong information when I was inadvertently terminated from my job in XXXX of 2019 I informed them of the termination and that I would like to use the insurance to make payments while I look for another job, the representative told me that no such insurance existed and that I was still responsible for the loan. I was completely misled by this company and would have never taken the loan had I knew they were a predatory lender. They used use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. when I got my stimulus check I had planned to use that to settle the debt as I was looking to purchase a new home during the COVID-19 pandemic and they kept moving the goal post further as I tried to settle during these uncertain times. This debt is affecting my credit on XXXX and it is showing 671  days delinquent. I would like to have this company remove this tradeline from my account as this is my last resort.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fact that the law gives me protection as a consumer against false information being simply reported on my credit report has been disregarded by the credit bureaus. I would like to make one last request for analysis before I meet with my own legal counsel so that I may understand how to handle erroneous and unverified materials that are now being regarded as true. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaux to confirm these accounts ( A ). It is prohibited to reject these reporting accounts as unreliable information within the legally allowed time frame without providing any rationale. The following accounts are shown on my credit report as needing enquiry and adjustment because of erroneous reporting : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX  XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

I received 20+ charges each between XXXX and {$60.00} at the same exact time on the same exact day. Not only did this happen on one card but two cards of mine I had previously made purchases at the company, Crypto.com in exchange for crypto, but I did not make these charges. More importantly, none of these were delivered to me the company, as well as one of the managers responded, but failed to respond with receipts, transaction numbers, proof of delivery, etc.. This is sketchy and suspicious because Ive encountered the same situation before with the similar company. Currently one of my banks successfully disputed the transactions and they were resolved for that particular card. ( $ XXXX ). While this took quite awhileit was rwsolved. As for One Bank through XXXX employees, i submitted the disputes almost immediately after charge notifications were received. They have declined to process any of them and fail to provide reasons. This is insane. XXXX been 3 months now, and support wont even acknowledge anymore. I submitted all documents. Dociments from my crypto account showing nothing was deliverednor charged from my end. Upon more investigating these charges were found to correspond directly to pass charges that were declined by the merchant. So the merchant declined the charges due to a glitch, then charge my card at the end of the month that it did delivered what I purchased so Im left with over {$1000.00} in charges from a company that wont respond. Bank who wants to speed the charges the whole thing smells. I dont know where to turn. Ive tried everything.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. 

I have filed an FTC report with report number XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violated the consumer financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not complain with XXXX XXXX requirements under the electronic fund transfer at ( EFTA ) And regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Has a fraudulent loan that was placed under my name. My personal information was used without my knowledge to open this loan. Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX XXXX {$0.00} However they can provide my no data on the years leading up to the so called repossession. I have filed a report with the FTC Consumer fraud division ID THEFT REPORT # XXXX. I have also attached a copy of the ID Theft report and my identity verification documents. Thank You.
Product: Debt collection

I am a victim of identity theft. I lived with someone for a decade or more and they kept my social security information and other personal information as well.I never had no knowledge this person was using my information. I am trying to dispute all the accounts. Some addresses that are linked to the person and phone numbers that have never belonged to me. I noticed once I filed for taxes and received a free credit report. I was told to file a report in order to continue with the process and if needed to eventually change social security number. Please help me!
Product: Debt collection

i received this paper on XX/XX/XXXX, i assume the paper was written on XX/XX/XXXX since that is the date the paper has on it. the amount of debt theyre asking for is {$220.00}, it says as of XX/XX/XXXX, you owed : {$150.00} then additional debits applied to your account : {$65.00} which totals {$220.00}, i have no idea what this debt is for as i have never sent or received money on paypal, i never use online payments so this has to be a mistake, i have no idea what this is about and i want them to stop bothering me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following accounts. 

XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX  XXXX XXXX XXXX I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of these accounts. I don't know who could have done this. This is identity theft and a nightmare.
Product: Credit reporting or other personal consumer reports

XXXX citibank has flagged me as fraud and is preventing me from opening any new line of credit anywhere. they are flagging me as XXXX and preventing me from opening any new line of credit anywhere. i will sue their XXXX XXXX XXXX if they keep XXXX with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- I have disputed this collection more than once from all credit bureaus. I also sent a BBB complaint to the original creditor where they in fact adjusted the breakdown even though it was not correct, the credit bureaus are reporting {$1100.00} more than what is owed to the company per their break down. Even though it should be even less than that. I want this removed from my credit as ALLEGED DEROGATORY REMARKS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS. MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ 1,000+ PER STILL UNPROVEN, UNTRUE INACCURATE, UNTIMELY, INCOMPLETE OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRITING COMPOSITION. The last dispute I submitted I attached a copy of the companies final response showing {$480.00} plus cleaning fee due which in fact is still incorrect as the company overcharged me for 12 months on my lease and they required me to pay a late fee many times when there should have been a credit. Since the Bureus did not valide the debt to it 's intirety as I requested more than once, I want it deleted and removed from my credit report. per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites toreport adequately and a challenge ( or dispute ) is lodged versus any data iformation previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIF.ICATE the verification and validity of the following claims or DELETE NOW.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for personal loan about XXXX and denied by citi bank reason Citibank deposit relationship insufficient. I been with citi bank for about 15 years. I need more explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent dispute to the credit agencies and the lender which I do not recognize.
Product: Credit card or prepaid card

I have the Sears credit card which I closed and without my request they opened an accounts on shop your way, after I closed the account on this card. I talked to city bank they told me that the account was closed but I am still receiving statements every month. When I looked for the manager they stated they don't know and can't fix anything. They are opening cards without my consent or without me asking them to. 
These are the last digits of the cards they opened without my request. 
XXXX, XXXX, XXXX, XXXX, I have one card XXXX and I closed this card with the account.
Product: Vehicle loan or lease

BMW Financial Services is refusing to take a payment for the lease in full as vehicle needs end of lease and I have decided to purchase vehicle. BMW Financial wont take a check unless through a captive dealership or directly from me. Now not only have I thought the vehicle was fully funded as I was told my new loan funded so I put new brakes and rotors on vehicle costing over {$700.00} but I am liable for both the lease payments and the new loan payment which hasnt even funded the vehicle as BMW refused the check from XXXX XXXX. This is a monopoly forcing me to purchase and pay more for vehicle through their dealership than using a third party to purchase the vehicle. Now I am out money there I should not be having to pay. Nothing in my original lease agreement. States that I must purchase a vehicle through a captive are authorized to BMW dealership.
Product: Money transfer, virtual currency, or money service

I receive a biweekly XXXX transfer from the father of my children every two weeks in the amount of {$1000.00}. On XXXX XXXX various changes were made to my First Midwest checking account by Old National Bank as part of their acquisition of First Midwest ( outlined in a separate complaint ). During this transition of my account the XXXX payment was lost, and all attempts to recover the funds have so far failed. XXXX, the originating bank, confirmed that the payment was successfully completed to my account. However despite this evidence, no one at Old National is either willing or able to locate the money, which has left my account overdrawn for the past two weeks and has forced me to beg and borrow money just to make ends meet. I have tried calling XXXX myself, but they refer me back to Old National and Old National has been unwilling to talk to XXXX on my behalf.
Product: Credit reporting or other personal consumer reports

This complaint is in response to the recent reinvestigation results regarding notices of disputes I have been sending out over the past few months. I recently received investigation results from TRANSUNION and XXXX XXXX XXXX. These results returned as " verified as accurate '' while still reporting the inaccurate late payments reflected as " 120, 120 '' days late month after month. You can not be 120 days late 2 months in a row. There are only 30/31 days in a single month. This is the issue I have been constantly disputing. These notations are false and misleading. I have clearly informed them regarding the inaccurate information being furnished to my consumer reports and they are doing everything but correct the account information as requested because this account still shows as inaccurate. TRANSUNION and XXXX XXXX XXXX are violating the Fair Credit Reporting Act. This is damaging to my reputation and character. The FCRA permits consumers to have inaccurate accounts removed from consumer reporting agencies if the account still reports inaccurately per 15 USC 1681i ( 5 ) ( A ) ( 1 ) as applied to CRAs and 15 USC 1681s-2 ( 2 ) for furnishers of information. The creditor XXXX XXXX XXXX has been consistently notified to update and correct the inaccurate information being reported to the CRAs. The creditor has not done this. XXXX XXXX XXXX is violating 15 USC 1681s-2 ( A ) ( 1 ). I have proof via updated consumer disclosure report which will be attached as a supporting document. They have failed to comply with the FCRA. Please allow me the remedy I have so faithfully requested based on constant failure to rectify these issues. These same issues have been disputed over and over and over again to no avail. There is an obvious problem. I HAVE A RIGHT TO HAVE ACCURATE INFORMATION REPORTED ON MY CONSUMER REPORT. If the information is willfully being misreported it is false information and fraudulent and a criminal act per 18 USC 1001.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in ACCURATELY reporting consumer information. It is imperative that this information be reported with utmost accuracy. All my payments are current with XXXX XXXX  XXXX XXXX Account # XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence that is consistent among all reporting agencies because I've upheld all my payment obligations. If consumer reporting is found to be inconsistent, I demand that these late payments be promptly updated to reflect all payments are on time. I printed out my credit report and attached it as proof of these inconsistencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update the late payment remarks. Remove it as soon as possible. It's unfair how you guys are so quick to put late payment remarks without verifying that.
Product: Debt collection

In XX/XX/2017 i sent XXXX XXXX XXXX a letter staying that I was not responsible for a XXXX acct with a balance of XXXX. I received a statement and ending balance for this XXXX acct but they failed to provide a contract with my signature showing that the acct belonged to me and removed the debt from all credit bureaus. I see that they have added this acct back to the credit bureaus with no warning and explanation. They have continually failed to provide a signed contract with my name on it and I am requesting that the acct be removed entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

lexis nexis is stating on my report that I was involved in a motor vehicle accident and I was at fault on XXXX XXXX  2013 So ask them furnish this report to verify this information since they are reporting it Where are they getting this from produce the police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$180.00} ; XXXX XX/XX/2022.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX