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

This letter is to formally notify you per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. Capital one/ Neiman Marcus is a financial institution by definition under 15 USC 6801. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Capital one/ Neiman Marcus never informed me of my right to exercise my nondisclosure option. Pursuant to FCRA 15USC 1681a ( 2 ) a consumer report does not contain or include any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The law states that it is illegal to report Transaction history. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general 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 ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( 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. In your agreement with consumers you agreed to follow the law. 

I demand that the following transaction history be removed immediately : NAME OF ACCOUNT : Capital one/ Neiman Marcus ACCOUNT NUMBER : XXXX LIST OF INACCURACIES FOUND ON XXXX CREDIT REPORT : payment history days late history
Product: Vehicle loan or lease

I am being harassed by this company I am finally over it. How dare they call me last night @ XXXX XXXX and then again this morning within the first 15 mins of opening the phone lines! I was on the phone SPEAKING to a rep that's after dialing a bunch of numbers and putting in info to ID me when someone gets on the line. I was speaking to her around XXXX XXXX so one of the first calls they make this morning and one of the last calls made last night. 

I do not care that it was a dialer. They should have systems in place to make sure there is no chance of harassment on their end. 


XXXX, the manager I spoke to -- tried to intimated me instead of simply apologizing for being annoying on their end ... .. I am 77 DAYS PAST DUE -- on the phone call this morning regarding their harassment and notifying them I was writing a complaint to prevent this from happening again -- she goes on to try and convince me that I am at risk for REPO AT THIS VERY MOMENT when that is incorrect ... I am at risk for repo at 90 days. I have already told them I would be making an extra payment in XXXX when I make my normal monthly payment on the XXXX of every month. 

I work for the XXXX XXXX so I did not pay for XXXX or XXXX BUT I did make a payment in XXXX and I will continue to pay in XXXX on my normal due date now that XXXX  is back in session. I got offered a deffered payment in XXXX, so she is trying to make it - make sense by explaining that I am a " certain amount of payments behind '' so she is continuing to lie or to mislead me into doing what she wants me to do. 

I am OK and I am safe and they can't repo it because I am in all actuality only 2 payments behind they cant take it away because of the deferment. HOW DARE SHE!!

She is trying to manipulate the convo and convince of something that is completely inaccurate. And this is the manager?

Please help!
Product: Debt collection

Not only i did not receive a right to dispute, i have sent them thru a notice to verify debt which has been completely ignored. They are trying to get a Judgment and a levy on my account without submitting my requested information. I owe much less than they are requesting.
Product: Mortgage

See attached letter. My mortgage company is illegally charging late fees ( {$100.00} ) - taking money away from an extra principal payment and enriching itself at my expense. The attached letter to Caliber Home Loans explains it all and how Caliber illegally stole my money by wrongfully assessing a late fee in XX/XX/2021. No credit was received on the XX/XX/2021 statement which is attached. This happens several times each year, especially on federal holidays. 

I am requesting the CPFB to get these XXXXs out of the mortgage business OR fine them and get them to adopt proper practices of not stealing their customers money. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX submitted hard inquiry... Without request from me..
Product: Payday loan, title loan, or personal loan

The company was drafting my account q day prior to payday and the funds were not available so they the proceeded to block my bank account and would not let payments go thru when I noticed I called and payed off my loan completely. This account has been reported as late for several months due to their system not allowing me to make payments and even after j payed it completely off is being reported as a charge off with a XXXX  balance. I called and even submitted a request for them to correct the errors and got nowhere with the company
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding the account identified as XXXX which was charged-off or placed in collections on XX/XX/year>. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a complaint against the 3 credit bureaus- Transunion , XXXX XXXX XXXX . I work in the XXXX XXXX as an XXXXr so I see credit report 's all day long and the credit scores are all over the board. I obviously can not give out names or SS # s to show you examples but my own credit report would be a good example. I have had a perfect credit history for past 3 years and before that I had 2 X 30 day lates. I check XXXX XXXX almost daily to view my report. After viewing my credit scores yesterday, one bureau dropped 70 points because my 3 different accounts increased by no more than 120 a piece and that is not over the credit limit either. How can the scores vary so much? I have also seen where people with new credit, less than 12 months and only 1 tradeline have scores over 700. How is that?

Something is totally wrong with this system and it needs to be addressed. It's so frustrating to watch my scores go up by a few points then just sky rocket down, it's not right especially when I have worked so hard at keeping everything paid on time.

Please advise on how to get this corrected. I am sure that I am not the only person that feels this frustration.
Product: Mortgage

This is to complain a business practice for the mortgage lender of JP Morgan Chase Bank at XXXX GA XXXX. The agents are XXXX (NMLS ID XXXX) and his managers.
On XX/XX/XXXX, I filed a mortgage loan application to the JP Morgan Chase Bank for purchasing a condominium at the Art of Foundry, a well-known large complex located in XXXX, with expected closing date of XX/XX/XXXX.  I got the loan approved by Chase with interest rate quote of 3.375% for 15 years at zero loan discount point.
On XX/XX/XXXX, I inquired XXXX again to make sure all the paper work is ready for closing. XXXX confirmed the final approval and quoted the same interest rate at 3.375% for 15 years but a slight discount point of XXXX. I also asked XXXX to watch the rate for me and inform me when the rate is low. However, I never heard from him afterwards. In the week of XX/XX/XXXX, I tried to contact him several times to lock the interest rate but did not get any responses from him. I was a little bit worried.
On XX/XX/XXXX, 7 days from the final closing date, I finally reached him through his supervisor. He called me back at XXXX, but suddenly told me that my loan was not approved by FNMA because of a HOA insurance policy. So he switched to a private portfolio loan with much higher interest rate and much higher discount points. He wanted to overcharge me extra XXXX discount points for the same loan at 3.375% rate. If at zero discount point, the rate will be sky-rocketed to 4.5%. I was stunned with the last-minute hack. I tried to negotiate with the Chase management for a lower rate or lower discount points, but they rejected it.  I feel I was hijacked. I don't know what to do. I don't have any good options, no time to find another lender, no time to work out the HOA issue, and no time to close the condo timely. 
My complaint is this. I gave Chase more than enough time (2 months) to process my loan. Chase is responsible for due diligence to make sure that everything is okay, and inform me early if anything wrong. Instead, even though I asked them, they failed to notify me.  Moreover, they are not willing to address the mistake they made. I believe this is a bad business practice. It hurts Chase's name and credibility. More importantly, I have to suffer a great loss because of it.
Please help me to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following personal information does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX Inquiries : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX / XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 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 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

I received {$1800.00} from my Granddaughter through a " quick-pay '' transaction since we XXXX have Chase accounts. Once I got the money, I did a " quick-pay '' transaction back to her account utilizing her phone number as an account destination. The phone number that I used sent her transfer to a XXXX XXXX account that does not exist. My granddaughter has not had a account with XXXX XXXX for thee years. I opened a claim with Chase and they credit my account back {$1800.00}, while they did research. I went into the bank to physically put the money into my Granddaughter 's account. On XXXX XXXX, 2015 Chase did a reverse credit to my account for {$1800.00} with the explaination that XXXX XXXX never responded to them. Chase say they transferred it, and XXXX XXXX say they never got it. But I 'm left with negative {$1600.00} in my account.
Product: Credit card or prepaid card

I called in onXX/XX/XXXXto report the Natural Disaster happening on XX/XX/XXXX that burnt down my warehouse and my Manager 's home. This was in the midst of Quarter 4 as I own a XXXX Company and went through Financial Difficulties as a result.

The supervisor representative agreed to remove : XX/XX/XXXXInterest Charge {$310.00} XX/XX/XXXX Interest Charge {$210.00} XX/XX/XXXX Interest Charge {$130.00} XX/XX/XXXXInterest Charge {$320.00} I called back on XX/XX/XXXXto confirm the removal and they stated 1. American Express has no records of the call 2. They won't remove the charges due to it not falling under Natural Disaster conditions 3. They stated address is not on file for that location but the problem is that I have many addresses and only giving them my mailing address.
Product: Credit reporting or other personal consumer reports

I was hacked and my info used in the wrong and improper way
Product: Debt collection

Called personal cell phone multiple times back to back attempting to collect a business debt. Advised me they he was a lawyer and was suing me. Asked him to stop calling and hung up. He called a total of 8 more  times. Also left a threatening voicemail. 

They also illegally pulled my credit report. I want this removed from my XXXX  file
Product: Money transfer, virtual currency, or money service

On or around XX/XX/year> My account was closed without explanation, I contacted the company for an explanation and was told I would receive an email explaining why. I never received an email, on the second call that was made to the company I was given the same answer
Product: Mortgage

I applied for a mortgage refi loan with TDBank on XX/XX/XXXX, sent all my docs on XX/XX/XXXX and locked my loan. Paid for appraisal and paid for whatever other credit fees. Appraisal report was done a few weeks later and submitted XX/XX/XXXX. After that I pushed for closing non stop, sending several emails and phone calls and nothing has been done to move my loan to closing. 

The tentative closing date was XX/XX/XXXX however that came and went and I have not heard anything from anyone. I have tried to escalate but have not been able to reach managers or anything else to escalate. It has now been 60 days since my application and I have yet to hear a word about closing. 

Also the points fees and schedules I originally applied for did not match what was advertised. They were advertising XXXX with XXXX points in my state and I have XXXX+ credit score and great credit history and income and was unable to achieve that rate for some reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts were reported on my credit report without any authorization, please review them, it is hurting me : XXXX Account Number : XXXX This is not mine. 
BK OF XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX Account XXXX : XXXX This is not mine. 
XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Product: Credit card

On XXXX XXXX I recieved a letter from XXXX XXXX XXXX, ( a collection co ) stating that I owed {$29000.00} for charges on a credit card with a account ending in XXXXThey said it was on a Discover Card. I have never had a Discover Card.The open date is XX/XX/year>. The last payment was made on XX/XX/year>. The acct. was opened by XXXX XXXX XXXX with a address of XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX. My name is XXXX XXXX but I have never been in XXXX XXXX.
Product: Checking or savings account

I was charged a overdraft fee of {$35.00} and the transaction was still declined
Product: Debt collection

I had a contract with XXXX for a car loan.. I fell on hard times and was not able to pay for the car. So XXXX repossed the car from me.. and then sold the car ... .. six months later NCB management is contacting me telling me that I owe them for the same car that was repossed by XXXX and charged off my account.. please tell NCB to stop trying to collect on a debt that I have no binding contract to anymore.. and remove that off of my credit report. Asap and any other derogatory mark and nquires off of my report. I did not give permission for any hard inquiries that don't involve credi cards
Product: Prepaid card

This company is very crooked. I am a XXXX for someone and this company closed my account as soon as my direct deposit hits the account. ROUTING ) # : XXXX ACCOUNT # : XXXX DIRECT DEPOSIT. causing my bills to be late and maybe a eviction. Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX bank added a inquiry on my account for XXXX XXXX did not authorize this. I do n't understand how I could have a fraud alert on my account and keep receiving inquiries from this bank
Product: Credit card

I've seen an offer in Capital One Offers, for spending {$670.00} or more on XXXX and get XXXX miles as reward. I've clicked the offer, that sent me to XXXX web site, I signed up and upgraded my account to $ XXXX plan, and used my XXXX account actively. This resulted in my shopping trip getting a ID number assigned ( all is well ) This was a transaction on XX/XX/XXXX. I was suggested to wait up to 6 weeks to see my miles posted. It's been over 9 weeks now, and nothing happening and I'm not getting any clear information from Capital One at this stage. 

Capital One owes me XXXX miles, as can be seen in the evidences submitted.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Summary of Accounts being challenged in list form Summary of Accounts being challenged in list form XXXX  XXXX - Account NumberXXXX Please remove from my public record XXXXXXXX XXXX XXXX - Account NumberXXXX Please Update all payment, all pay was made on time. 

XXXX XXXX - Account Number:XXXX INACCURATE PAYMENT HISTORY AGAIN! DELETE ASAP. 

XXXX XXXX - Account NumberXXXXhave not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I my presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Credit reporting or other personal consumer reports

**Subject : Identity Theft Complaint Urgent Removal of Fraudulent Accounts** **To Whom It May Concern : ** I am writing to file a complaint regarding identity theft and the resulting fraudulent accounts on my credit report. Despite my previous communication and the assurance received from Self Lender, the fraudulent account has not been removed from my credit report.

**Details of the Complaint : ** - **Victim of Identity Theft** : I am a victim of identity theft. I have taken all necessary steps to report this, including filing reports with the FTC and local police.

- **Non-Compliance from Self Lender** : I received a response from Self Lender through the CFPB, stating that the fraudulent account would be deleted from my credit report. However, this account still remains. 
- **Additional Fraudulent Accounts** : Other fraudulent accounts, such as those from XXXX and XXXX, XXXX remain on my credit report despite being reported. 

**Attached Documentation : ** 1. A copy of the letter from Self Lender confirming the deletion of the account.

2. A copy of my government-issued ID.

3. Copies of my FTC Identity Theft Report and police report.

**Applicable Laws in Texas : ** Under Texas identity theft laws ( Texas Penal Code 32.51 ), it is illegal for anyone to obtain, possess, transfer, or use someone else 's personal identifying information without their consent with the intent to harm or defraud. Additionally, under the Texas Business and Commerce Code 521.051, businesses must take appropriate measures to rectify the situation when a consumer 's identity has been stolen.

**Request for Immediate Action : ** I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further harm and financial damage. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX