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

XXXX XXXX  In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX account ending in # XXXX In accordance with the Fair Credit Reporting act 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
Product: Debt collection

XXXX XXXX has this company Amsher or XXXX XXXX law harassing me about a balance owed to their company. I returned their equipment and sent it back to them and they will not stop calling me and will not remove the balnce from my credit report.
Product: Credit reporting

I have tried to dispute this bankruptcy discharge on my credit because this is not mine because the address on the pacer website says it was sent to an address in north carolina and i never lived out there so i am asking for the credit bureau to get rid of this negative reporting on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report following a recent data breach. I am a victim of identity theft, and these accounts and inquiries were not initiated by me. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent entries be permanently removed from my credit report.

The following accounts are fraudulenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Transunion, I received your attached response to CFPB complaint number XXXX dated XX/XX/year> in which you refused to honor my request to block information appearing on my credit report maintained by you as the result of identity theft and fraud. Attached to CFPB complaint number XXXX was a copy of FTC Identity Theft Criminal Complaint Number XXXX which has also been attached to the present complaint for reference and as proof from the US Federal Trade Commission that the contested items appearing on my credit report were opened and are presently reporting in false 'verified ' status from the involved data furnishers as the result of identity theft and fraud. In your response, you gave reasons for the denial of the block in which you determined that either 1. the request was made in error, 2. the request was based on a material misrepresentation, or 3. That I received goods services or moneys as a result of the transactions I am seeking to block. Your letter fails to tell me the source of the information you relied on in making such a determination and fails to disclose the procedure by which you obtained information about FTC Identity Theft Criminal Complaint Number XXXX or its contents from that source. My rights found within the FCRA entitle me to a reinvestigation of all contested items from my credit report which I asked you to block for the reason of identity theft and fraud in CFPB complaint number XXXX, and further entitle me to a written response from you which verifies the source of information you relied on in either granting or denying my original request for the information block as well as the procedures you used in order to obtain that information. Specifically, FCRA 611 ( 15 U.S.C. 1681 ( 6 ) - ( 7 ) ) entitles me to disclosure of the business name and address of the source of this information as well as a detailed description of the procedure by which you obtained information about the aforementioned FTC Identity Theft Criminal Complaint from that source in the course of your reinvestigation. I therefore request, pursuant to FCRA 611 ( 15 U.S.C. 1681I ), that you commence a reinvestigation of the aforementioned items from my credit report maintained by you and that you provide me with the aforementioned written verification of your investigation procedure as well as verification of the source of information you relied on in your decision to grant or deny my block request. If you are unable to verify these items in your reinvestigation, then I request that the contested items be deleted from my credit report you maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there are several accounts on my credit report that should not be there. I have attempted to contact the companies and the consumer reporting agencies to investigate this matter, but I have not been successful. 

I would be grateful if you could review this issue and help me in getting the accounts removed from my credit report. Any assistance you can provide would be much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX trans union XXXX several vendors I have repeatedly sent certified letters to the credit unions several certified letters to all vendors in question uncountable number of on line complaints to all I continue to request proof signed credit appls signed loan agreements no one has ever proved any proof and keep refuse to prove it and product anything I signed and refuse to ever look in to it because they keep claiming verified with no proof this must be a criminal act after 18 months. this is so wrong why should I have to pay XXXX. dollar for each credit union and each vendor that continue no break the FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$7100.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting Transunion, XXXX, and XXXX about a closed account that was settled by me and the creditor. I paid it in full and it is still showing up on my credit report and is negatively impacting my credit score. The account in question is with XXXX XXXX XXXX XXXX. It was a secured card that had a balance of {$29.00} and was paid in full on XX/XX/23. Being that I have paid this account in full and have settled it I am asking that it be removed from my report because it is adversely effecting my credit report.
Product: Credit reporting or other personal consumer reports

I've identified unfamiliar items on my credit report that suggest potential identity theft, as I did not authorize these accounts. I've raised this concern previously and now urgently request the removal of these accounts from my report. Their presence is causing significant stress as they do not accurately reflect my credit history or financial management. Dealing with this issue has been challenging, and if unresolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These inaccuracies are impeding my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope for a swift resolution to this matter.
Product: Debt collection

I am behind one payment on my Bank if America Credit card. A few days after the bill cycle I started receiving anywhere from 3-5 calls a day M-F and text messages as well. I understand there is no limit for how many times they can call you, but at this point that is excessive. It was Bank of Americas Collection Dept. I finally called the back and instituted a cease and desist, but they then said they wont be able to call me period including if something happens regarding my account. I took that as a threat and understand it as, If we cant call you for payment, we wont call you for anything including if my identity or card is compromised. That is a threat to my understanding. The representative said they can call you up to 7 times in one day. Coming from someone who works for Bank of America I have no means of verifying this and that many times every single day can be considered harassment. I had received a callback from BoA between XXXX CST on XX/XX/2020 and was placed on their deferral list, submitted a complaint, and asked not to be contacted like that again and was reassured. 1 hour later they call me again and of course I have them blocked. The rep even had notes from the previous rep regarding my account. At this point Im concerned that Ill either still keep getting calls or Ill get no more calls including regarding the security of my account. BoA has put me in a lose-lose situation and at this point Im wanting to know what my options are and what I can do. I have attached two screenshots with redacted information regarding other inbound/outbound calls regarding today XX/XX/2020 when I had called from within the BoA app and opted in for a callback, followed by FIA calling again. I use XXXX XXXX XXXX in conjunction with my XXXX  silence unknown callers, so unfortunately only a few times I was called show up, including 2 on the same day, but I can reassure you they called me at least 3 up to 5 times a day every single business day since the beginning of XXXX.
Product: Mortgage

On Sunday, XX/XX/2024, through the automated system, I requested a pay off for my mortgage with Bank of America. The payoff amount was good until XX/XX/XXXX for {$19000.00} Account Number On Monday, XX/XX/2024, I called the BoA contact center and said, I received my pay off letter and can I XXXX the payment, they explained XXXX was not an option, the funds needed to be certified and either a wire or mailed. I asked can I bring it into a XXXX, and the contact center representative said, yes but the check must be certified. On Tuesday, XX/XX/XXXX I arrived at the XXXXXXXX XXXX Bank of America XXXX. The loan representative ( I believe XXXX XXXX was very courteous and attempted with XXXX calls to the BoA XXXX XXXX to process my payoff but since my pay off was {$9.00} more ( due to the pay off until XX/XX/XXXX ) the pay off kept rejecting. After XXXX mins, I asked is it easier for me to mail the check and he said probably. So I drove to a XXXX XXXX XXXX and paid {$30.00} some odd dollars to overnight the payment, XXXX more interest and in frustration I called the XXXX XXXX and asked why was I told to go to a Branch to pay and why wouldn't BoA accept my pay off and make me incur more interest and a fee to overnight. The representative couldn't answer the questionn and kept repeating that they are converting their systems and I could attempt another BoA branch. I said, why would XXXX XXXX around the state when I was told to go to the XXXX XXXX to make my payoff. He said the representative must not have realized the conversion occurred at the XXXX XXXX and I said, but your team not having the correct information isn't really my issue, each time the representatives options were that me, the customer, was wrong or had to be inconvenienced to pay my loan off how I was instructed. So the question comes to mind, how much more interest does BoA get by delaying pay-offs with their new converted system that won't allow a XXXX pay-off? Interest to the Bank, additional cost ( oh and the representative on Monday said, no fee if you had a BoA account to move the funds from instead of my savings bank I use ) to overnight the payment or wire it. Is this not unfair or deceptive practice? 

The pay off letter even states they have escrow they will return per the regulation - so if I overpaid my payoff they would be sending back the escrow and the extra amount would be refunded as most banks do. 

This XXXX XXXX is good to - XX/XX/2024. 

XXXX the XXXX XXXX for account number XXXX. Keep in mind, this is good to XX/XX/2024. 

How we calculated the payoff amount : Principal Balance as of XX/XX/2024 {$19000.00} Interest $ XXXX XXXX Recording Fee {$49.00} Total amount required to release XXXX As of XX/XX/2024 Total Amount Due {$19000.00} THE CURRENT ESCROW BALANCE IS {$3300.00} AND MAY NOT BE USED AS A CREDIT TOWARD PAYOFF. BANK OF AMERICA, XXXX A. AUTOMATICALLY PROCESSES ESCROW REFUNDS XXXX BUSINESS DAYS AFTER THE PAYOFF POSTS IN ORDER TO ENSURE ALL OUTSTANDING FUNDS HAVE CLEARED.
Product: Credit reporting or other personal consumer reports

I respectfully request the deletion of these incorrect personal information from my credit report, as its not up to date anymore. It is crucial that you promptly remove this incorrect personal information from my records.
Product: Credit reporting or other personal consumer reports

I am submitting to formally dispute the following inaccurate information that appears on my credit report. These items are incorrect, and I request their immediate deletion to reflect the accurate state of my credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and expect a resolution within 30 days. 
XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$3100.00} XXXX  XXXX  XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergenXXXX XXXX XXXX XXXX credit card account has violated my rights. 15 usc 1681 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 an account without my written instructions. Lastly, 15 usc 1666b A creditor may treat a payment on my credit card account under an open end consumer credit plan as for late any purpose.

I called and asked for it to be removed and was told that they no longer can do it and I am responsible to do it myself
Product: Payday loan

Received a email from 500 fast cash about over due balance and do not understand was paid last year They have never contacted me by phone and this email was from today
Product: Credit reporting or other personal consumer reports

Respectfully asking for disclosures 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. XXXX XXXX is in violation of the FCRA Violation of 15 U.S. Code 1635 right of recission 15 U.S. Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor.
Product: Checking or savings account

Greetings, My name is XXXX XXXX XXXX. I am a USA citizen, who operates a day care center on New York XXXX. I have been open since the pandemic started working and saving during this pandemics hard times. On XX/XX/2022 I was charged {$30000.00} dollars via a ACH transfer from a unknown merchant. I am lost in words and destroyed inside my savings and money to be a home owner is gone. I have filed a dispute with the Wells Fargo bank XX/XX/2022. I also want the help of the CFPB to assist my claim and help me recover the funds that was unauthorized from my account. I have never gave or allowed merchant to charge my account. I work hard everyday to help kids and parents during this pandemic .Then a merchant steals {$30000.00} dollars from my checking account. I want and need this money back in my account as it was indeed unauthorized. I cant run my business without it. This pandemic has increased percentage of fraud and I was a victim. I ask for help recovering my money I believe this America and in our constitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a few collections that do not belong to me and the credit bureau wont take them off my account on XXXX credence resource management opened a collection for XXXX $ with the original creditor being XXXX XXXX on XXXX source receivables manage opened a collection for XXXX $ on XXXX the original creditor being XXXX  XXXX XXXX opened on XXXX with the original creditor being XXXX XXXX XXXX  which was a condemned apartment complex that was shut down while i was living there
Product: Mortgage

Was told before going into forbearance ( XX/XX/XXXX ) a deferral would be an option, after 2.5 months ( XX/XX/XXXX ) was then told a deferral was not an option for a VA loan. Payment modification or loan modification is not financially do able.
Product: Vehicle loan or lease

on XXXX XXXX i was basically for into this contract with lies and deceit which include High finance charges, lies about vehicle conditions, the amount of monthly income was higher than what i made, Dealership add XXXX XXXX in which i declined, as of late XXXX i recognize there is fraud in my Contract that breaks my rights as a consumer, being overcharged and co horsed to be in the retail installment contract.
Product: Debt collection

This is regarding a credit card ( chase ) debt that originated in 2012. I went through a devastating divorce, and was left with this debt and much more. The original debt was {$7600.00}. It is now up to {$17000.00} with interest fees. At the time of this judgment I was making {$20000.00} a year in my current job, divorced, and had XXXX children under my care. I could not afford to pay the debt, and I still can not afford it. I have made numerous attempts to settle the debt, and I continue to be denied. I am harassed, by XXXX XXXX since the judgement was entered. He was representing XXXX XXXX. He is currently with XXXX XXXX XXXX XXXX I have had my vehicle seized without any communication within a XXXX year period. I have had a XXXX placed on my mothers property which has since been put on my name to protect her. My mother and I continue to be harassed and threatened for a {$7000.00} debt from 12 years ago. This is made us both physically and emotionally sick and have had to seek mental health doctors regarding this. I have had major XXXX, and had no means to pay for an old credit card debt. XXXX is now threatening my mother about taking my childrens vehicles. As of yesterday I have offered {$5000.00} to settle this. This is all that I have in my savings and to my name. He refuses! I need help I can not take this mentally any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was settled and the settlement amount was paid in full. I sent the information to Equifax and they have failed to properly verify the information and report it correctly on my credit report. The balance is XXXX  but they are still reporting a negative balance and stating it was charged off.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 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 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: Debt collection

XXXX XXXX has a collection reporting to my credit and I have never had an account with them, Ive only ever lived with my parents, where I dont pay bills. I have had no other address other than XXXX XXXX XXXX XXXX. This account has had to been opened fraudulently.
Product: Money transfer, virtual currency, or money service

In the Matter of CFPB v. Omni Financial of Nevada XXXX Inc., also doing business as Omni Financial and Omni Military Loans File No. XXXX Dear CFPB, I am sending you this letter/email to see if I qualified for the lawsuit that was filed against Omni Financial. I have gotten multiple loans from them between the years of XXXX and XXXX. My customer number for them is XXXX. If I was eligible for the refund the address is incorrect. I was XXXX and had to change addresses. My old address was XXXX XXXX XXXX XXXX XXXX nc XXXX. My new address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX. If the check was sent to the previous address I can not obtain the check. My name is XXXX XXXX XXXX. XXXX In the United States XXXX.