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

I'm a victim of identity theft the accounts I have mentioned in this report do not belong to me they were opened as fraud I am seeking your help to get this removed from my file. 
XXXX has removed these fraudulent accounts from my file how is it possible that the creditor says XXXX thing to XXXX credit bureau and says a different thing to the other XXXX? This makes no sense.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Subject : Account Dispute Against NEW AMERICAN FUNDING I am writing to file a formal complaint against NEW AMERICAN FUNDING due to the lack of response to a credit dispute letter I sent on [ XX/XX/XXXX ]. 

I am writing you this letter regarding payments that were marked late by your company for the ACCOUNT NEW AMRCN FU ACCOUNT NUMBER XXXX following accounts on the following date ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is violating my rights as a consumer. In accordance with the Fair Credit Reporting Act, reporting information regarding checking account ending in XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. section ( a ) ( 5 ) states : ( a ) Information excluded from consumer reports ( 5 ) 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. 

On XX/XX/XXXX I sent a letter to B of A requesting copies of all documentation and information regarding account ending XXXX. I received a letter in the mail that simply stated their investigation had been completed and information was updated. They did not attach anything additional as I asked. 

They had reported incomplete, unproven, and or inaccurate information to both XXXX and XXXX XXXX XXXX about me and this account. Regardless of their inaccurate reporting practices they are in violation of my rights as I have stated above. 

I have attached a copy of the original letter that I sent to B of A which explained in detail what happened to me as well as a request for documentation that would have helped me understand why my account was closed in the 1st place. They failed to provide me with that documentation. 

I have also asked for both XXXX and XXXX XXXX XXXX to investigate this matter. Both came back and stated that their investigation with B of A has been completed. This account remains on my consumer disclosure with both companies. I also never gave them written instructions to furnish information about me. They are both also in violation of my rights. 

I have attached copies of both of their response letters.
Product: Checking or savings account

On XXXX XXXX of XXXX received a notification saying money got sent from my chime account to my XXXX account of XXXX getting sent to someone without my acknowledge I contacted that person who got sent the money and also contacted the merchandise and they said they couldnt do nothing about it to contact the person who sent my rent money to the receiver and I told them idk who sent it so they never sent me my money XXXX said they couldnt do nothing as well as chime when I let them know money was took out my account.
Product: Checking or savings account

In 2011 I opened an account with wells Fargo. I also opened a savings account for my son. Some how they were taking my sons money from his savings and using it when my checking was overdrawn. A total of XXXX was taken out of my sons account
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I pulled my credit reports today on XX/XX/2020 to find I have a collection listed on my reports by Grant Mercantile Agency for account. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report nor did I revive documentation to verify the validity of the debt with signatures. This is a medical debt Im assuming hence Ambulance and this is a violation of HIPAA. I am willing to pay a settlement of {$100.00}, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted to call the debt collector to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. It will be acknowledged the debt to be removed and considered paid in full
Product: Debt collection

I called this company on XX/XX/2020 to settle the debt. The original amount was {$600.00}. It was agreed that i could settled the debt for {$420.00}. I asked what this would be reflected as on my credit report. The representative said Settled in full. I asked to receive proof of settled debt by mail or email. They said they would send me something in the mail. I never received it. I have called twice since then and have not received anything. I ended up disputing the debt on my credit report. It was then updated to the amount of {$420.00} being paid, but now says i still owe a remaining balance of XXXX. This is incorrect due to the fact i was told that the amount i paid would be reflected as settled in full. I am frustrated that i still have not received anything from Paramount recovery showing proof of payment and that the debt was settled.
Product: Mortgage

I own a condominium in XXXX, XXXX XXXX. I had a mortgage with J P Morgan Chase that was paid off in XXXX of 2013. I just found out recently that Chase never submitted the satisfaction of mortgage with the County Register as required by NY State Law Chapter 50, Article 8, Section 275. I contacted Chase and the bank admitted the error and is now in the process of submitting the satisfaction to the County Register, approximately 2 years after it was paid off. According to the NY State law, Chase is obligated to pay me {$1500.00} as a penalty for late filing. I asked Chase to pay me the money, but the bank refused. The person I spoke to is XXXX XXXX ( XXXX, extension XXXX )
Product: Debt collection

Alliance collection responded to my previous complaint saying that I disputed through an XXXX system. I have never disputed through an XXXX system and have no idea what an XXXX system is. I have called them because I received an email from the company saying to pay a balance owed which I dont owe them. I have also sent in dispute letters and they still havent removed it from my report. This company has never sent anything by mail to me explaining the debt and what it was for and my options to dispute if I find it invalid. They have wrongly entered it into my report without any explanation only an email about paying the balance and thats the reason I called in. I also told this company not to call me and that I was going to contact an attorney.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer ( EFTA ) as it requires tinely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.
Product: Credit reporting, credit repair services, 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.

XXXX XXXX XXXX : ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX CT XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : XXXX XXXX XXXX United Wholesale Mortgage - Refusal to Waive Escrow Account Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against United Wholesale Mortgage regarding their refusal to waive the escrow account on my mortgage, despite my numerous requests and meeting the necessary qualifications. 
When I took out my mortgage loan, I made a 20 % down payment, which, according to industry standards, should qualify me to opt-out of an escrow account. However, I have been forced to continue paying into this account for more than two years, which results in an additional monthly payment of approximately {$3500.00}. This significant burden is both financially draining and unnecessary in my situation. 
I have reviewed my closing documents, and there is no indication that an escrow account is a mandatory requirement for my loan. United Wholesale Mortgage has failed to provide any substantial justification for their refusal to waive the escrow account. I have reached out to them multiple times to resolve this issue, but they continue to deny my request without any valid reason. 
I believe that United Wholesale Mortgage is acting in bad faith and potentially defrauding customers by imposing unnecessary escrow requirements. I am concerned that other consumers may also be facing similar issues.

I kindly request that the CFPB investigate this matter and assist in resolving this issue with United Wholesale Mortgage. I would like them to waive the escrow account requirement, as I am fully capable of managing my own property taxes and insurance. I also believe that their practices warrant further scrutiny to prevent other consumers from being misled or taken advantage of. 
Please feel free to contact me at the provided phone number or address for any further information or clarification. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Navy federal credit union between XXXX letting charges go through with no money in account
Product: Debt collection

I signed up for a XXXX XXXX  membership thinking it will be fun, and I and my family will have a great time. It was the worst experience ever, so, I sent an email with a complaint on how awful our experience was and asking if please I could cancel my membership as I would never be coming back. They apologized and told me my account was in good standing, so, they would go ahead and cancel my membership. ( I still have the email ) I was happy and never heard from them again. 

Months later after all this, an account collection appears on my XXXX  credit report from MidWest Recovery claiming to try and collect my debt from XXXX. To this point had no idea I was in collections, and I have never heard from MidWest before this. I went to dispute it with XXXX  right away told them my membership was canceled or at least that is what XXXX told me, and that I had no idea why this collection account was being added to my report. The said they investigate, and just updated the amount of the debt. How can I still have a debt for a membership XXXX  claimed to go ahead and cancel? Why have I never been contacted? Why I have not even received a letter in my mail to make me aware of this before putting something on my credit report? 

Worst customer service on behalf of XXXX, and worst customer service on behalf of MidWest recovery.
Product: Credit reporting or other personal consumer reports

I called XXXX in reference to my student loan status and late payments. I was never late on any loan. I always had my loans deferred or a forbearance. The loan providers was late in processing the information on their end and in return marked my loans late. I want the information corrected. I called the agent with XXXX and she went over my loans. They said when they got the loans transferred it was never reported late from Department of Federal loans. She told me to dispute it up to three times for the Credit bureaus to contact them and verify. All 3 Credit bureaus have not done the dispute process for correcting my reports. The accounts that need correction are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Chase 's so called conveniences function more like entrapment. Being able to do mobile deposits and external transfers are highly deceptive in that instant transfers are not really instant because they depend on the capability of another bank. It is entrapment in that a consumer must know exactly the length of time in which each type of transaction processes. This is something your ordinary consumer would not know. It should not be possible for a Chase Loss Prevention department Team to ruin someone's finances due to the consumer 's lack of knowledge about how these " conveniences '' of Chase actually work.
Product: Debt collection

I was living in an apartment in XXXX GA with two other room mates. I vacated and left the premises and the only person left in the apartment was the primary lease holder. After I had left the apartment with all rent paid the primary lease holder did not pay his final rent debt and left the apartment complex. This was then reported to a collections agency and has been reported to all credit unions holding every person who ever lived in the apartment accountable. This should not be the case, as the only person responsible was the primary lease holder ( XXXX XXXX ). The proof I have of this is that the debt was paid under his name and no other person. This debt solely lies on him and no other person who lived in that apartment. I am requesting the debt be removed from my credit report and reported to all other credit bureau 's. I have attached the receipt of payment as proof. All of us were reported to collections when it should have only been the primary lease holder who was the one who ultimately paid the debt as he was responsible.
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. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed several letters and made multiply attempts to contact the bureaus by phone to get the bureaus to investigate and respond using the guidelines prescribed by FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  please investigate this matter and remove from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however XXXX is still receiving regular payments from me so I should get something for that.
Product: Debt collection

I am a victim of identity theft yet your company Commonwealth has inserted negative marks into my credit file without first notifying me to give me my right to dispute and request validation. The accounts in collections in the amounts of {$2000.00}, {$1300.00}, {$2000.00}, {$1600.00} and {$1000.00} do not belong to me and are in fact a result of identity theft. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. Once again these account are a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.