23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Dear CFPB, I am writing this letter to express my utmost disgust towards the blatant disregard of the law by a certain company. This company has been violating me for the past 6 months, despite me having a paid lawyer, and calling me personally even though they are aware of my attorney 's presence. This is a clear violation of the laws that are in place to protect me as a consumer. 

I am tired of the harassment that I have been dealing with, and it seems like nobody has considered my safety, time, money, or health in this matter. This is unacceptable and shows a complete lack of respect for the laws that are in place to protect consumers like me. I should not have to live in fear. 

When Wells Fargo called me not even 10 minutes after my complaint was sent, it caused me more stress and anxiety. It also let me know that they have no intentions of doing the right thing. I am asking the Consumer Financial Protection Bureau ( CFPB ) to step in and do what is fair according to their laws. 

I would like to be compensated under the laws provided to me. This company needs to be held accountable for their actions, and I am confident that the CFPB will do what is necessary to ensure that justice is served. I urge you to take swift action against this company and ensure that they are held accountable for their actions. 

I have to stand up for myself when I know that a fraud has been committed against me. I will not pay for something that was gained by deception, deceitful tactics, harassment, nor fraud. Im asking for your help. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

Get these perjurous panhandling frauds out of my inboxes. 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  All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account AMERICAN EXPRESS XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XX/XX/17 This payment completes the settlement on your XXXX XXXX account.
Product: Checking or savings account

I received notice from Chase bank that my credit card interest rate could go up to 29.99 % if I make a late payment. The US mail has been running slow and other issues could occur due to Covid that might cause a late payment. This interest fee is high, very high like a loan shark.
Product: Credit reporting or other personal consumer reports

Any financial institution that regularly furnishes information to a nationwide consumer reporting agency must provide a notice to a consumer in writing prior to or no later than 30 days after furnishing negative information to such an agency. The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. I demand you show me PROOF where you sent me a notice prior to or no later than 30 days of furnishing negative items on my consumer reports. This is a clear violation of the FCRA. 

In your companys defense, you are stating that this is a closed-end consumer installment agreement. Well according to the ( 15 USC 1666 ( b ) the only way a data furnisher can furnish a transaction as late, is if they follow all the requirements under 15 USC 1637 ( b ) ). You have clearly stated that this is a closed-end not opened-end consumer agreement ; therefore, this rule would not apply. Which brings me to my next point.

15 USC 1681a ( 2 ) A ( i ), it speaks about the exclusion of a consumer ( which is me ), experiences and transaction with the creditor ( which is OneMain ). Please explain to me how your company can furnish a transaction or experience as late when clearly 15 USC 1681a ( 2 ) A ( i ) says this is excluded from a consumer report. According to The US Congress, my consumer report should not contain information solely as to transactions or experience between the consumer and the person making the report. 

Furnishing a transaction as a late payment is reporting the experience between the consumer and the creditor the person making the report. A payment history is derived from the transactional history, but there can't be a payment history without transactions.If transactions and experiences are excluded from a consumer report, how can you furnish a payment as late if there is no transaction history? 

In conclusion you have been put on notice that you are reporting inaccurate information on my consumer report. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to CURE and DELETE this erroneous inaccurate account from my consumer report. Also failure to comply will be a violation of 15 U.S. Code 1681n Civil liability for willful noncompliance.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I applied for a debt consolidation loan through payoff.com. The loan was approved for {$22000.00} over 36 months. The loan came with a rate of 6.99 % and an origination fee of {$110.00}. A monthly payment of {$670.00} was set up for automatic deduction. I was told that manual payments were not an option. The first payment was due XX/XX/XXXX and then the due date was changed to the XXXX of each month starting in XX/XX/XXXX. Payments were deducted automatically on XX/XX/XXXX and XX/XX/XXXX. The problems began when on XX/XX/XXXX they deducted an additional payment of {$670.00} without my authorization or approval after having already deducted the scheduled payment for the month. This deduction had an impact on my bank account as it was not a scheduled or planned for expense. They were contacted and said that it was an error on their part and that they would refund the amount, which was refunded into my account on XX/XX/XXXX. Their website continued to say that my next payment date would be on XX/XX/XXXX after the date had passed and the payment had been made. I had concerns regarding their business practices and called to followup.I called on XX/XX/XXXX at XXXX and XXXX, and then received a call back at XXXX. During these calls there was discussion on the fact that I was mischarged again and that I was concerned regarding my upcoming payment as it still said the XX/XX/XXXX was my next due date. They assured me that it was an error and they were working on it and that my account was in good standing. On XX/XX/XXXX I received a text message saying that my payment was now past due despite all these conversations and my concerns that were shared. I called them on XX/XX/XXXX to discuss that I had received this alert and could not get an answer and was told I will get a call back and never hear back. Not only have they now impacted my bank account by taking unauthorized payments they are now impacting my credit history through late payments that are not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are 3 different dates for the last time the account was allegedly reported ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are different dates for the date the alleged account was opened ( XXXX XXXX XXXX XXXX XXXX XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XXXX XXXX XXXX XXXX XXXX XXXX. Also, the amount of the high credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. There are also discrepancies in the date the account was last active ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Furthermore, XXXX, XXXX isn't reporting what type of account is. How can you report an account on my credit profile but fail to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$880.00}, {$100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R  226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding these unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

( Capital one ) my card is in fraud I put it there, I was worng. There was no fraud. Tried to get it out, would not let me unless I sent driver 's license to them, I gave them my social security number. That wasn't enough. I asked if I could pay down balance, they let me. I got it down {$2.00} and said no more payment. I had information on my phone. My phone was destroyed. That information is gone. I received an email saying I owed {$64.00} I paid money! They said it posted, I was unable to get on line because they didn't recognize phone number. I told them have new number. Didn't believe me. I wrote to company serveral times asked for paper statements no response. I sent registered mailXX/XX/XXXX21. They received itXX/XX/XXXX-21 didn't send receipt back. I sent to fraud Dept. General Dept. Mailing payment NC asked for statement the except my payment it shows on my bank statement. I sent another {$50.00} for XXXX XXXX XXXX they sent email told me money was accepted but refuse to let me on line to see statement. The account is frozen so how is money being charged to account? I want to close it they are sending me offer for new card. I will Never get anything from them. Thank you XXXX I don't have a home computer! I want to stop this abuse.
Product: Credit reporting or other personal consumer reports

XXXX managed my refunded XXXX  loan after the XXXX  loan forgiveness act. They are claiming that I didnt make payments but no one ever contacted me and told me that my payments were due. I paid my account in full in XXXX when I realized that my the loan refund was rejected due to the Supreme Court decision. Had I known, or if I had received correspondence sooner I would have paid it in full sooner. They have ruined my credit as a result. Before this my credit was near perfect and they destroyed it. This misunderstanding should be rectified immediately.
Product: Credit reporting or other personal consumer reports

My information was part of the Equifax data breach in 2017 and I requesting all information and accounts on my Equifax credit report be removed due to this breach from 2017 to present day. I am seeing information for accounts I did not apply for or acquire. Some of these accounts have been turned over to collection agencies, and I am getting constant phone calls, text, emails and mail from these companies. Please have this fixed and all item removed as I have has no luck removing them myself.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Experian for failing to resolve inaccuracies on my credit report after multiple disputes. 

Account Not Marked as Disputed : The credit bureaus have not marked my disputed account as disputed, which violates the FCRA.

Incorrect Date of Last Activity : The date listed for the last activity on my account is wrong. It should be the last payment date, not the current date.

Unverified Collection Account : The collection account has not been properly validated, even after my requests, which violates the FDCPA. 

I request that the CFPB investigate these matters and ensure the credit bureaus correct the errors and follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX
Product: Debt collection

2nd Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Good evening, My sister, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

As she did not have a will, I ( XXXX XXXX XXXX XXXX began the process of becoming her XXXX. 

Immediately I contacted Bank of America for both her XXXX account and her line of credit. At Bank of America request I forwarded her XXXX  certificate for confirmation of her XXXX. I also shared that I had retained a lawyer and was starting the process to become XXXX of her XXXX  ( which in XX/XX/XXXX I became ). 

In talking with Bank of America, I was advised to keep my account representative up to date on progress of becoming XXXX. 

I made it clear that the family would pay the line of credit that we knew existing, although Bank of America would not disclose to me the amount. I shared that communications needed to come to me as the house mailbox was no longer being monitored. 

Every XXXX weeks, I would call be told that I can't access information but on a recorded line they captured and recorded the conversation which was a status of me becoming XXXX of my sisters XXXX 

After XXXX months of not receiving any documentation confirming my calls, I found a way to access my sisters mailbox and it was full of communications from Bank of America. 

I immediately called and asked why this documentation had not been sent to me at the address I provided and received answers ranging from I don't know to you aren't XXXX yet. Additionally, some of the mail was requesting information I had already sent. Nonetheless, I responded to each communication either via mail or fax. 

None the less, I immediately got caught up on all paperwork and submitted both via mail and through fax. In addition, I began to send checks ( XXXX XXXX XXXX XXXX XXXX XXXX ) to Bank of America, hoping that it would show intent to pay off the owed amount. 

In XX/XX/XXXX, I began to get communications reporting that the house was going to go into XXXX However, Bank of America knew that my court date was XX/XX/XXXX and they would not give me any information on how to pay off the account. 

On XX/XX/XXXX, XXXX XXXX XXXX lied in a XXXX Declaration where she said Bank of America had tried with due diligence to contact the borrower in order to assess their financial situation and to explore options. 

My XXXX XXXX could not in the moment raise the funds needed to pay off the amount owed, so I went ahead and paid the amount in full just to eliminate any fear of XXXX 

This complaint is a written expression of my dissatisfaction in Bank of America 's wrong doing. I believe what my family experienced was in the lines of predatory lending, where we were threatened with XXXX  and had to endure disrespect even though we were honest and candid throughout the process. 

I have opened a complaint with Bank of America ( # XXXX ) as I can't believe that in such a time a financial institution could do such wrong doing to a XXXX  family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no LAW that states that companies I am doing business with has the right to report any private business I am doing with them. For one it is not FAIR that they are given out info to a company ie : Experian, XXXX, and XXXX  who are getting paid to access my personal info to advertise products to me. I have the right to privacy. No company that I have applied for for something states that they are going to put an inquiry on my credit report. They are being deceiving by only saying they will access my credit report. Then go an ruin my reputation by telling my business to the public that I am looking to do business with them. These companies are using their power to damage my character with the threat of damaging my reputation by putting these negative marks on my credit report. The issue I also have is that most of these companies were not given permission to access my credit report! 

XXXX  XXXX  is doing the same by entering a late payment on my credit profile which is not fair or equitable to me I was not late. This threat of ruining my reputation and damaging my credit is against FCRA AND FDCPA. 
I am being charged higher interest rates. This is causing stress and breaking up my family because of this.
Product: Mortgage

XXXX cont from this complaint number : Follow up and continuing problem where BSI financial has not corrected my escrow and new payment. 

I received in the mail XX/XX/XXXX my new payment of XXXX increased from last mo because BSI FAILS to correct my escrow and therefore payment. Even after BSI receiving the CORRECTED tax bill by XXXX XXXX showing approval for the 4 % homestead exemption ( taxed XXXX ) BSI still pd the county XXXX from my escrow for XXXX real property taxes. 

I am a single mother with a single income and can not afford to make a pmt of XXXX AND cant risk my credit score being compromised while they drag their feet. 

I spoke to XXXX XXXX and they stated the refund for XXXX was mailed back to BSI yet BSI provides NO information. I continue to get the runaround from XXXX XXXX who said, Its a process. He cant tell me if they received a refund. He is unable to tell me when my escrow will be reevaluated at the proper tax rate or when I will have my corrected payment. He told me it would be XXXX days and that was approximately XXXX XXXX weeks ago via phone conversation. BSIs customer service department is severely lacking in either competency and customer service skills. I have a mortgage with them and have a lot of equity in my home. They obviously do not care about the customer.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor XXXX XXXX # XXXX has violated my rights under XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor XXXX not treat a payment a credit card account under an open end consumer credit plan as late for any purpose Please Supply Me With Information That Was Used To Verify The Item ( XXXX ) Or Delete The Late Payments