23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Mortgage

We have a mortgage that is serviced by Capital Mortgage Services of Texas. This is the second CFPB complaint that we have filed against this company. The first was settled after the CFPB interviend on our behalf approximately 4 years ago. We have had several problems with how the company has applied our payments over the past 4 years, but we have been able to resolve the problem with the company. However, we have an ongoing problem with the company that dates back to XX/XX/2019  when they changed our escrow payment requirement without notice and without providing us with an escrow analysis. Our tax and insurance escrow amount increased from {$100.00} to {$190.00} without any explanation. Capital Mortage has a history of appling PMI to our loan amount eventhough the loan was closed without PMI, we think the increased tax and escrow is due to this PMI. But we have not received a escrow analysis to be able to determine this.

After several months of email complaints Capital Morgage applied several credits to our account to correct the balance. Then in the very next month another incorrect escrow payment was added to our statements. I have been trying to reach the company by email, but I have not been able to get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute an inaccurately report on my credit file. As a responsible consumer, I have always diligently managed my financial obligations, and I firmly believe that this account entry is not valid and should be removed from my credit report. I have thoroughly reviewed my records, and I can confidently state that I have never had any financial dealings or accounts with the aforementioned creditor. The entry appears to be a result of a reporting error, and I urge XXXX and Transunion to investigate this matter promptly. 
I have rights under 15USC 1681. Transunion and XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand this account listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give XXXX and Transunion any written permission to furnish this account : 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

This is my 9th endeavor 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent letters out certified that there are inaccuracies on my credit report. I have a freeze on my XXXX XXXX and asked the Bankruptcy court to send me a letter of non 3rd party consumer reporting. I feel like the Credit bureaus are taking advantage of regular people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX, has violated my rights. 

15 USC1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Capital One sent me an email to inform me that the benefits with my cards such as Price Protection and other things were ending in XXXX. I have three cards with them and really only wanted to keep my longest-held card because of the effects of my credit score. I was very specific with the person I spoke to. I asked her about other cards if it was possible to transfer to a different card keeping to the original card opening date, I asked her the different annual maintenance fees, she said this was due in XXXX. It was at this point after she had read me the disclosure about closed accounts not being able to be re-opened that I said, close the other two but leave this one open for now. I know that if your agency listened to the recorded call you would clearly, with absolutely no mistake see that this is the exact opposite of what I asked to be done. I feel they won't reopen it because when they listen to the call they will see that I don't intend to use it much because of the lack of benefits. And, I don't trust them now after this. I told her to close the two smaller ones that I hadn't had long and to absolutely leave open the largest that I have had since 2014. Ending in XXXX. We went over all three cards and I was very clear. 

XXXX my surprise when I went to use it only a day later and it was denied. I went to the online site to find that she closed that account and left the other two open. There is no way she could have misunderstood me. I feel she did it on purpose. I am very very angry. My credit score is around 800. I have worked very hard to get it there and I already received notice from XXXX XXXX that it has a big impact. I contacted Capital One and I told them to listen to the recording. I however don't feel that they will do the right thing. I haven't had a balance on any of the cards in about 1 year or so. I pay my cards off in full each month and mostly use my XXXX XXXX and XXXX XXXX. I was wanting to find a card with price protection and also purchase protection as I was just stolen from and after at least 20 emails and phone calls back and forth with XXXX they still messed that up. 

If Capital One in any way has affected my credit score what can be done. Again, I am very angry and they tell me they won't even be able to have an answer for at least 10 business days. By then, the damage will be done. This to me is next to criminal. They are playing with my future and it is wrong and again. I am very very angry.
Product: Checking or savings account

I received a refund for an broken item purchase on eBay from XXXX on XX/XX/XXXX shows up refund credit {$30.00}. But XX/XX/XXXX the fund is being held for merchant credit held for review. " American Express national bank ''. My prepaid bank account has started holding refunds for an additional 7 days and I don't even write checks or give them any reason to hold the funds my account is in good standing.
Product: Student loan

On XX/XX/XXXX, @ XXXX, MOHELA sent an email stating that my loans in the SAVE forbearance would be accruing interest. This is not true. Due to the SAVE litigation occuring in the courts, those on the SAVE plan forbearance will not be accruing interest.

This is what their email stated : " During periods of forbearance, interest continues to accrue. 

Please refer to the electronic notification, which can be found in your MOHELA account, for specific loan details. ''
Product: Checking or savings account

XXXX sets of fraudulent transactions involving my checking account both of which were reported to the Capital One. First set are unauthorized ATM withdrawals apparently completed while my card was not in my possession, dates and amounts as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. 
{$180.00}, {$240.00}, {$260.00}, {$330.00}, {$210.00}, {$300.00}. When I discovered these, I froze my ATM card and reported to the Capital One on XX/XX/XXXX. 
Second set for XXXX debit.transactions with the description XXXX XXXX XXXX all completed on XX/XX/XXXX for the amounts of {$50.00} {$40.00} {$75.00} {$120.00}. These were reported to Capital One as soon as I became aware of them on XX/XX/XXXX. No further information was requested by Capital One regarding any of these XXXX sets of unauthorized transactions. 
I received XXXX letters dated XX/XX/XXXX stating the investigation has been completed. Account records and transaction information available to us do not support a claim of unauthorized activity. Documentation used to decline your claim was based on/or includes the following : previous history with disputed merchants, account logins corresponding with timeline, and or location of disputed transactions, account activity, transactional history, phone calls and logins. As is my right, I requested copies of the documentation used to make the decision. I received a response to this request via email which consisted of a copy of my bank statement for the month of XX/XX/XXXX with no other accompanying documents or explanations. There was however a statement attached stating " We've thoroughly addressed your inquiries and won't be responding to future communications regarding this dispute '' Going forward Capital One has refused to engage in any further discussion or provide any additional information/documentations regarding these fraudulent transactions. I requested that all of my bank accounts with Capital One be closed, but they refused to close my checking account because they wanted to be able to reverse all the provisional credits that I was given for the unauthorized ATM transactions, which has now put my account into a negative balance for which they are attempting to collect interest charges.
Product: Credit reporting or other personal consumer reports

I hereby address the Consumer Financial Protection Bureau for help on the permanent removal of an old authorized user account that is still showing on all of my credit bureaus from XXXXXXXX XXXX  Back in XXXX my boyfriend at that time placed me on his account to help me build my credit scores. We terminated our relationship in XXXX. I asked him to be kind enough and remove my name from that account, as I was never a responsible party. His name is XXXX XXXX, and he claimed that he removed my name as an authorized user back in XXXX. This account is still on each credit bureau, and I need it removed permanently. 

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

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  CARD Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX AF Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX MO Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required XXXX-day period. 

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. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. Negligent Enablement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 


P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : XXXX XXXX XXXX  Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Payday loan, title loan, or personal loan

I took out a flex loan in 2017 and was unable to pay the loan back and I instructed the bank to stop payment Because there was no money in the account and Advance Financial kept trying to take money out when there was no money in the account and it was keeping me in the negative so I had the bank put a block on the charges and for two years it had been put on hold like I asked. Today out of the blue a charge is now pending for {$130.00}. I need to have this stopped again.
Product: Credit reporting or other personal consumer reports

15 USC 1681s-2 : Experian has continued to report inaccurate information after I provided notice of disputes.

15 USC 1681i ( 5 ) : Experian has reinvestigated and reinserted disputed items without notifying me, as required by law.

15 USC 1681c ( c ) : Experian has reported obsolete information that should have been excluded from my credit report.

Recently, I became aware of the lawsuit filed by the CFPB against Experian on [ insert date ] titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors. '' According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. 
Experian 's failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX  owns a lot in  XXXX  on  XXXX   XXXX  and attempted to sell his lot using our office  XXXX   XXXX   XXXX . We opened title at  XXXX   XXXX  in  XXXX  and the title commitment came back yesterday showing a Lien on the vacant land from  XXXX   XXXX    XXXX    which has been bought out by  XXXX   XXXX    XXXX   or   XXXX   XXXX   XXXX   XXXX    ( u nknown at this time ). We have tried to contact  XXXX   XXXX   XXXX  however they do not have a consumer friendly system that my client can use to report the possible mortgage fraud that has been committed.     My client paid cash for his lot in  XXXX  of  XXXX  and someone using his name and identification took out a fraudulent mortgage for {$31000.00} in  XXXX  of  XXXX .  XXXX   XXXX  is demanding that the Consumer Financial Protection Bureau begin a thorough investigation of the facts to this mortgage fraud and the   XXXX   XXXX   XXXX   sign a release of lien so my client can close on his vacant lot.      XXXX   XXXX   XXXX   Complainant 1   XXXX   XXXX   Complainant 2   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX , Texas  XXXX   XXXX
Product: Credit card or prepaid card

Okay Id like to give you a little more information on the day of XX/XX/2021 my phone and wallet with my cards and ID was stolen out of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OH XXXX United States that had my pin code to my card in my phone notes and it was used at a place called XXXX XXXX for the amount of {$3400.00} I talked to the security team at the mall and they notified me that they did all they could do and they couldnt file a report because they stole it off camera among other things.