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

Dear Transunion, I am writing to bring to your immediate attention a matter of significant concern regarding my credit report, managed by your agency. Upon reviewing my credit report, I have identified several accounts that I believe have been reported in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681, 15 USC 1681c ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). The accounts in question are as follows : XXXX XXXX - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX - Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX - Account number : XXXX - XXXX XXXX XXXX XXXX These accounts have either been reported without my express written permission, contain inaccuracies, or include adverse information that is outdated and thus should not be part of my consumer report. In accordance with the FCRA, I am formally requesting the immediate deletion of these accounts from my credit report. This action is necessary to correct the inaccuracies within my report and to restore my rights to privacy and confidentiality as mandated by federal law. I have taken the steps to document these discrepancies thoroughly and expect a swift resolution to this matter. According to FCRA guidelines, I understand that you have a legal obligation to investigate this dispute and provide me with a response within 30 days. Please consider this letter a formal dispute notice, and I request that you initiate the investigation process immediately. I am prepared to take further action, including seeking legal counsel and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), if these issues are not resolved promptly and satisfactorily. I appreciate your immediate attention to this urgent matter and expect to hear back from you with confirmation of the deletion of these accounts or, at the very least, an update on your investigation within the statutory timeframe. Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit card

I used my Bank of America travel card only for travel abroad. On the XXXX XXXX, I received a text message asking if I have authorized an activity in the value of {$1700.00}. I replied : No. Next day ( because of the time difference between XXXX and XXXX ) I called the Bank because of that fraudulent charge and my account was blocked as well. I called the bank and I got help to be able to log into my account. My card was already charged, ignoring my text message., so I filed a claim. On the XXXX XXXX I received an email from my bank saying that They considering that I did the charge and I did a fraudulent credit card transaction. 
How come, when in XXXX XXXX, when I wanted to use the same card in XXXX, in the value of {$4.00} the bank stoped the transaction, and for the higher value They just approved the transaction. Also if you look on my history the biggest value purchased on that card was an airplane ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

theyre still reporting missed payments thee major credit reporting companies. when in really they sold it to a deft collector. And in all honesty. I didnt sign any legal agreements with said buyer of the debt. Credit acceptance is still to this day pushing 120 days late on XXXX payments. Its killing all efforts to buy a home. Please help with this and take credit acceptance off of my XXXX and XXXX credit reports. Please
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX   XXXX, XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I leased the car from XXXX XXXX XXXX. I planned to buy it at the end of the lease, so my service rep recommended I get 7 years of XXXX XXXX. They charged me {$860.00} but misrepresented what I was buying. 

The logo at the top of the contract says " XXXX ''. It does not say " XXXX XXXX ''. This is pertinent because I predicted XXXX XXXX would go out of business, based on the way their management treated the employees and neighboring businesses. I would never have paid for a warranty backed only by a dealership whose ship was sinking. They gave up their XXXX contract about a year after I leased the car, and all employees moved to XXXX XXXX. I got my service from XXXX thereafter, and turned the car in there. 

I called XXXX XXXX to discuss a {$350.00} turn in fee that was not disclosed verbally, and was obscured by a line on the contract, so I didn't see it. I also asked them to help me get a refund for the extended warranty, because I didn't use it. A representative of XXXX at XXXX told me I should get a full refund. XXXX at XXXX XXXX XXXX ext. XXXX said he would take care of me. As of XX/XX/19 XXXX had not followed up, so I wrote the attached letter. 

XXXX called me this weekend only to tell me he would not help. He claims that XXXX has nothing to do with the warranty, and my only recourse is to go back to XXXX XXXX, who is out of business. 

I told him that it is sold as an XXXX product. I am asking them to deduct the money they owe me from the money I owe them, and send me a refund. The bill they sent me listing the money I owe them is in error. They claim I only turned in one key, and charged me for the other key. I turned in both keys and can prove it with the attached paperwork from XXXX. 

The amount they owe me is minor, {$150.00} if I pay the {$350.00} fee that is obscured ; or {$500.00} if the CFPB agrees they should not charge that fee. The real issue is bigger than my complaint. 

XXXX sells a warranty under the guise that it is their product and that XXXX backs it up ; then when it comes time to pay, they disavow a relationship to the warranty. That policy deceives the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am grateful for the removal of some of the fraudulent accounts and information being reported on my Credit File, however, there are still a lot of Fraudulent information being reported on my Credit File wihout the proper verification of the disputed items. I am submitting this CFPB Complaint to request to you once more to remove the disputed accounts and information off of my Crediet File as soon as possible. I am a victim of identity theft, my identity was stolen and used to open these accounts wihout my knowledge nor consent. I see a lot of videos on the internet that identity theft have become rampant. I have read that under the Fiar Credit Reporting Act section 605b, you are required by Federal law to remove any accounts and information that do not elong to the consumer. I am requesting of you to please remove the following accounts and information off of my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX  XXXX Balance : {$9400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please send me any documents you may ifnd along the way of your investigation claiming that the disputed items belong to me and are verified. If you can not provide nor find any documents ti support the claims that the disputed items belong to me, immediate removal of the disputed items will be greatly appreciated.
Product: Mortgage

I contacted the mortgage company MrCooper about removing PMI from my mortgage since we around 50 % equity in the home already. They said the only way to get rid of it is to refinance since the loan originated before XX/XX/2013. Then of course I asked about refinancing and they can not give me an interest rate without pulling my credit report with lowers the credit score because of a inquiry. I do not feel this is fair to pay an extra XXXX dollars a month when I have so much equity.
Product: Credit reporting or other personal consumer reports

Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following companies, XXXX, EQUIFAX and XXXX have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 

Closed accounts : XXXXXXXX XXXX XXXX XXXX # : XXXX. 
XXXX sold. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>. 
Closed. Charged off {$220.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone # ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 
Original creditor : XXXX XXXXXXXX XXXX {$970.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX 
XXXX {$100.00}. 
XXXX XXXX XXXX XXXX, MA XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 
Original creditor : XXXX XXXX. 
Collections {$88.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX. 
Original creditor : XXXX XXXX XXXX Collections {$4500.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Consumer Laws to reference U.S.C 15- Chapter 41.

15 U.S.C. 1681i ( a ) 5 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) 5 15 U.S.C 1681S-2 15 U.S.C 1681 ( i ) 15 U.S.C 1681 ( i ) XXXX XXXX XXXX XXXX XXXX SS # XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX. Phone # ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions.

15 USC 1681e ( b ) ensuring maximum possible accuracy.
Product: Mortgage

I have spent countless hours with US Bank trying to resolve numerous issues including having them correct my name, send my mail to the correct address, addressing them taking me off a forbearance ( their error ), and having to rectify my payment being spread over several months and instead they applied it all to my principle despite me being extremely clear where to apply it. They have, after hours upon hours on the phone have resolved all the issue except my name and mailing address are incorrect. I would ask that you please ask them for a copy of all of the phone calls I have made to them over the past year. This is causing my severe emotional distress. I need help in getting these basic requests fulfilled.
Product: Mortgage

On XX/XX/XXXX my home burned down in the XXXX fire in XXXX XXXX, Colorado. My insurance company ( XXXX ) paid out the structure coverage in the amount of a check for {$310000.00} on XX/XX/XXXX, with my mortgage lender ( Chase bank ) as the cosigner. On approx XX/XX/XXXX, Chase provided me with checks covering the XXXX minus {$21000.00} which they stated they are holding against the mortgage balance. 
I am XXXX XXXX XXXX and can not go through the rebuilding process. I am looking for another, smaller home to purchase but being short {$21000.00} is a significant hardship. I am on time with all payments and on a fixed income. I can apply for additional coverage against the structure when I have another home under contract and can go back to allstate with the appraisal stating a structure value over {$310000.00} for an additional 20 % coverage ( approx {$62000.00}, very close to the mortgage balance ). The unpaid balance on the mortgage is {$62000.00}.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX - LAST 4 SS # XXXX XXXX XXXX XXXX LAST XXXX SS # XXXX  I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves
Product: Credit card

On XXXX XXXX  a final payment and account closure request was sent to the correspondence
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Representatives, I am writing to address two separate but related matters concerning my consumer file : A formal dispute of inaccurate information on my XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX reports. 
A request for a permanent security freeze and permanent opt-out on my consumer file. 
Part XXXX : Dispute of Inaccurate Information I have reviewed my consumer reports from XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX, and I have identified several discrepancies that I believe are inaccurate and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). The issues include, but are not limited to, the following : Inaccuracies : Specific inaccuracies in my reports are detailed in the attached documentation. These errors adversely affect the accuracy and integrity of my consumer data. 

Failure to Validate Debt : In accordance with 12 CFR 1006.34 ( c ), there has been a failure to provide proper validation for the debts in question. No clear and accurate description of these debts or evidence of any contractual obligation has been provided.

I request that you immediately investigate these discrepancies, correct the inaccurate information, and update my consumer file accordingly.

Part 2 : Request for Permanent Security Freeze and Permanent Opt-Out Due to ongoing concerns regarding identity theft and unauthorized access to my personal information, I am also requesting that a permanent security freeze be placed on my consumer file. Additionally, I request a permanent opt-out to prevent the sharing of my personal data with unauthorized third parties. 

The reasons for this request are as follows : Identity Theft Concerns : My personal information has been compromised, leading to fraudulent activity. A permanent security freeze will help protect my identity and prevent further unauthorized inquiries and account openings. 

Consumer Privacy : A permanent opt-out is necessary to ensure that my personal data is not disseminated to or accessed by entities without my explicit consent, thereby preserving the privacy and integrity of my information. 

I respectfully ask that you implement these measures immediately and confirm in writing once they have been put in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Checking or savings account

On XX/XX/2023, at approximately XXXX XXXX  PST, I discovered that my account had been closed, leaving a remaining balance of {$3800.00}. This abrupt closure was unexpected and troubling, as I have not engaged in any activities that violate Citibank 's terms of service, nor have I committed any treason or fraud. I have been a loyal Citibank 's customer, and this incident has caused significant inconvenience and distress. 

To provide a comprehensive overview of the transactions leading up to the closure, on XX/XX/2023, I transferred {$3000.00} from my savings account to my checking account. Subsequently, I transferred {$2400.00} to my significant other through XXXX within the Citibank app to reimburse him for expenses. It is important to note that I adhered to the daily transfer limit of {$2500.00} for my basic Citibank account. These transactions were well within the normal usage of my account, and I received no indication of any irregular activities, closure of my account, or any communication via text, phone call, or email from Citibank or XXXX from the time I made the transfer to the date of my account 's closure. This situation has put me in a vulnerable position as I am unable to pay my monthly bills. This was an isolated incident and my first time conducting such a big transaction of over {$2000.00}, with no intention of violating any terms or rules. 

My attempts to seek clarification and resolution through Citibank 's customer service have been met with frustration and inconsistency. Despite multiple calls to customer service, I have been redirected to different numbers and received conflicting information from XXXX different representatives. This lack of uniformity in responses has only added to my XXXX and uncertainty regarding the resolution of this matter. 

Furthermore, I have sought confirmation on the amount I will be receiving through checks for the remaining balance, but each representative has provided varying information. I have also requested proof of the correct amount and assurance that I will receive my funds, but I was informed that such documentation is not possible. 

This situation is both perplexing and distressing, and I find it imperative to make a formal complaint against Citibank for handling this matter. I kindly request a thorough investigation into the circumstances surrounding the closure of my account, as well as transparent communication regarding the amount I am rightfully entitled to receive through the checks that will be sent to me. 

I trust that Citibank values its customers and is committed to resolving issues promptly and fairly. I appreciate your prompt attention to this matter and look forward to a swift resolution.
Product: Bank account or service

I opened checking and money market accounts at BBVA Compass bank with online access in XX/XX/XXXX. I logged on to the accounts for several months ; however, in XX/XX/XXXX BBVA 's web page asked that I agree to a XXXX page " Electronic Communications Agreement '' and a XXXX page PDF, dated XX/XX/XXXX, " Agreement and Disclosure Statement for Online Banking '' to be allowed to access my accounts on line. The XXXX paragraph stated, " YOUR ATTENTION IS DRAWN TO THE ARBITRATION AND WAIVER OF JURY TRIAL PROVISIONS IN SECTION 8.F. IF A DISPUTE ARISES BETWEEN US, YOU OR WE MAY REQUIRE THAT IT BE RESOLVED THROUGH ARBITRATION, RATHER THAN THROUGH JURY TRIAL. " My complaint is that requiring consumers to agree to a complex statement which applies to both commercial and consumer accounts is an unreasonable and inappropriate business practice. I am not an attorney and the extent that banking is controlled and hassome public value, how can I judge whether a relationship governed by 103 pages of bank legalese relative to the complex process of accessing, protecting and moving funds, is fair to me as well as to BBVA. 
I have told BBVA 's local branch employees of my objections. I am managing my accounts directly with the local branch, and I have fair online banking agreements with credit unions, and XXXX XXXX ; yet to whatever extent CFPB can prod BBVA and the banking industry to be more open and fair will be a service to everyone. Thanks CFPB
Product: Vehicle loan or lease

On  XXXX   XXXX ,    2017 I w as hit by a drunk driver and the damage of this accident resulted in my car being totaled out ap prox  X/XX/2017  b  y  my insurance comp any. Avid Acceptance has reported me as late on payments ( have only one late payment history with t hem up to this point ) all the way fro m  XX/XX/XXXX  throu gh to   XX/XX/XXXX   even though they where well away of the accident and the fact that the insurance company is waiting on them, they continue to delay on providing a letter of guarantee to my insurance company. There has been no contact with me despite my attempts but continue to report me as late on my payments. I have disputed and the results come back stating they are right in their reporting. I do n't understand how they are right in their reporting and how the reporting can be considered accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the correction of the erroneous accounts on my Credit report and it is clear that the Credit Bureaus have never even conducted a proper investigation on my Credit Report and have kept insisting that the disputed accounts were NEVER ERROENOUS ansd HAVE BEEN UPDATED. This is just nonsense since every month I have been checking for updates with my Credit Report and it is clear that they have done nothing! Under the FCRA section 609 and 611, the Credit Reporting Agencies are required to verify the accounts disputed by the consumer and provide copies of documents as verfication that the information reported are true. None if this were done by the Credit Bureaus and have been insisting that the information they report are true. I have reached the limit of my patience, if the Credit Bureaus can not correct the disputed accounts, it is better for them to delete the disputed accounts from my Credit File. Under the provivions of the FCRA, I need the following accounts DELETED, if they can not correct, from my Credit report XXXX XXXX XXXX  XXXX Balance Owed : {$570.00} XXXX/DOFED XXXX Balance Owed : {$1300.00} XXXX/DOFED XXXX Balance Owed : {$4000.00} XXXX/DOFED XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

FAILED TO VEFIFY DEBT WHEN REQUESTED In accordance with the Fair Credit Act XXXX  AccounXXXX XXXX  XXXX, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 USC 1692g Section 809 If the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.
Product: Debt collection

They called me on XXXX three times in a row. XXXX through XXXX. They also call leaving threating voicemails.