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

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding in accuracies and my credit report. Despite my submission, XXXX continuously reports within 24 hours stayed in the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which mandates a responsible investigation of disputes. Furthermore, XXXX actions may also contravene the customer financial protection act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides customers with necessary proof of investigation. The following inaccuracies are as follows ( XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

XXXX XXXX is currently reporting an unvalidated debt through a collection agency Portfolio Recovery Associates. I have reached out to XXXX XXXX   and they do not have a record of the debt. I have contacted Portfolio Recovery Associates asking for validation of th debt and they have been unresponsive for 90 days. I have no knowledge of this debt, nor can XXXX XXXX or Portfolio Recovery Associates validate its grounding for payment.
Product: Checking or savings account

On XX/XX/XXXX I got notified by XXXX that I had authorized XXXX hotel room rentals and a car rental in Texas using my account. I was not in Texas ( I live in XXXX ) nor had I planned travel to Texas. I contacted XXXX immediately and was told that because it was prepaid ( about an hour before I called them ), there was nothing I could do, even if it was not authorized. I called the hotel and they refunded the money back to XXXX, but XXXX would not do anything about it. 

After XXXX, I called Chase, my bank holder that holds the debit card account that was charged. I advised them of the fraudulent charges ( XXXX total ) and filed a claim. They closed the debit card and issued a new one, and they credited the account while they " investigated ''. Today ( XX/XX/XXXX ) I got notified that Chase did not find fraud and was removing the credits paid. I called Chase and was told that based off XXXX 's statements, the transaction was authorized. 

The name on the room rentals and car rentals were not mine, nor was the phone number used for the room. The only thing connected to me was the fact that my XXXX account was used due to it being hacked. I changed the XXXX password and removed all my banking information while I was on hold with XXXX the day it happened. 

As of today, XX/XX/XXXX, Chase is refusing to review this any deeper or allowing me to speak to a supervisor to address this issue further. Even though I have already talked with XXXX, Chase is requiring that I take up my concern with my XXXX again. I have asked for them to send me all documents they used to make the determination that I was authorized this transaction. 

The information below is what was used to book the car and rooms at XXXX : XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX, XXXX, TX XXXX Renter - XXXX XXXX Car Type : XXXX XXXX  or similar Make / model not guaranteed {$61.00} charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, United States XXXX XXXX : Room XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
Reservation Name : XXXX XXXX, XXXX Adult ( s ) Hotel confirmation number : Room XXXX : XXXX {$98.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, United States Room Type : Room XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Reservation Name : XXXX XXXX, XXXX XXXX ( s ) Hotel confirmation number : Room XXXX : XXXX {$150.00}
Product: Debt collection

I purchased a XXXX XXXX XXXX camera system for my home, which XXXX installed. After about four months, I noticed that the system wasn't working. I called XXXX, and they admitted the system hadn't been properly connected and that they could fix it right away. I asked for a refund for the four months I paid for service, and the XXXX staff agreed I should get it, but he didn't have the authority to issue it, so I needed to wait to be contacted by an XXXX manager. I waited. I never got the call or any correspondence. I contacted XXXX and told them that if they would not reimburse me for the four months I did not receive service, I'd stop paying for the system and that they could come out and remove it. They did not respond to this either. I stopped paying. 

XXXX sold this debt to Rash Curtis & Associates. I got a letter from Rash Curtis explaining that I now owe them the money for the camera system, which is currently {$1000.00}. I responded to Rash Curtis with a full explanation of what happened and requested that either they or XXXX come to remove the camera system and repair the damage to my house caused by the XXXX installer. They drilled multiple holes into the side of my house in four different locations. I also explained that since this camera system is wired into my home 's electrical system, it would be too dangerous for me to remove the system. I was worried about being electrocuted and/or my home catching on fire. XXXX insures my home, so it would be ironic if my house burned to the ground because of XXXX 's poor handling of this situation. 

I have contacted each company multiple times by phone and by mail ( I included copies of the last letter i sent ). I would be satisfied if XXXX XXXX XXXX or Rash Curtis & Associates sent a proper electrician to my home, remove the camera system, and repair all damage caused by the installation. Of course, I do not want any damage to my credit rating because this absolutely was not my fault, and I went beyond what the average person would do to try to resolve this situation. I called and sent XXXX XXXX XXXX and Rash Curtis & Associates multiple letters clearly explaining the problem and they completely ignored my request for resolution.
Product: Debt collection

For the Second time ( 2016 ) I was contacted through mail from bank of america that I owe money to their firm. I have enclosed my judgement proof of XXXX ( XXXX XXXX XXXX ) as well as XXXX XXXX XXXX  check stubs to provide proof of my claim
Product: Credit card or prepaid card

From XXXX to today XXXX/XXXX/XXXX Discover BANK has been sued over 40 times in Federal courts and over 200 times in States courts each time Discover were order by the courts to pay damages! I have never received o cent form Discover BANK!
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 {$14000.00}.

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 ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$14000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : Account Name : XXXXXX/XX/XXXXAccount # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.
Product: Debt collection

On or about the month of XX/XX/XXXX, I received a phone call from XXXX the administrator of XXXX XXXX XXXX XXXX, referencing the dental bill balance of {$110.00} will be written off and she would notify the collection compant. After retrieving my credit report, The Capital Accounts collection company account # XXXX is continuing to list this negative debt on my credit report with " XXXX  '' and is continuing to violate Sec. XXXX. [ 42 U.S.C. 1320 a-7b ] of the XXXX XXXX XXXX XXXX. In my previous complaint # XXXX I explained that I am a XXXX recipient/secondary health insurance XXXX  and XXXX XXXX XXXX XXXX in which that information was given to Capital Accounts. According to Mr. XXXX a representative of the capital account collection company there has been one attempt on XX/XX/XXXX to contact XXXX XXXX 's office at XXXX and there has been no return response. Although I filed a complaint in XX/XX/XXXX the negative reporting is continuing to be listed on my credit report and this issue is still ongoing. After speaking with the XXXX XXXX XXXX claims department it was stated to me that XXXX XXXX office is violating the XXXX contract or agreement at the time that service was rendered. Since then and after XXXX notified me by phone, I assumed we all have moved forward from the issue and the XXXX  office resolved this matter with Capital Account. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I transferred my account from XXXX to Robinhood by using an ACATS transfer. XXXX charged me a {$75.00} transfer fee. 

This transfer request was submitted to Robinhood on XX/XX/2023. Robinhood clearly states that ACAT transfer fee is reimbursed. On the Robinhood transfer " Terms and Conditions '', I do not see any limitations about reimbursing the transfer fee. Please see the screenshots attached ( 1-3 ). 

The limitation of reimbursing transfer fee was not clearly mention in the transfer request. Had I known of such limitations, I would not have transferred my stocks to Robinhood. 

I talked to numerous Robinhood representative on XX/XX/2023. Until that day, the ACAT transfer has not been completed. The representative I talked to did not mention anything about the ACAT transfer fee reimbursement as well. Please see the screenshots attached ( 7-8 ). 

This seems dishonest disclosure from Robinhood about the ACAT transfer fee. They mention the transfer fee on this link : https : //robinhood.com/us/en/support/articles/transfer-your-assets-in/ However, that link is not public and could not be viewed properly without having a Robinhood Account. Please see the screenshots attached ( 5-6 ).
Product: Debt collection

A representative from the XXXX called me at work and said I have until XX/XX/XXXX to pay {$370.00} settlement my payday loan. I told them I dont have money and they said if I dont call tomorrow before 3 they will proceed to take legal action, but I tolk my loan out with ace cash express and its a collection company trying to scare me to pay please help i want to pay it off but I dont know what to do. The company is called XXXX
Product: Debt collection

On XX/XX/2022, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that TRUE ACCORD had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$1400.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. TRUE ACCORD XXXX XXXX XXXX, XXXX, KS XXXX, ( XXXX ) XXXX
Product: Vehicle loan or lease

I am filing a complaint regarding ongoing issues with making payments on my auto loan through Chrysler Capital. I had been making my payments on time until a few months after an injury on XX/XX/XXXX, which impacted my financial situation. 

In XX/XX/XXXX, my payment was returned due to my paycheck not being deposited. As a result, Chrysler Capital locked my online account, preventing me from making payments through their portal. When I contacted customer service, I was informed that I could only make payments via XXXX XXXX, which added an additional fee of {$45.00} to {$50.00} per transaction.

After two months, I was able to speak with a supervisor and explained that my employer had cut my pay, making the extra XXXX XXXX fees a financial burden. The supervisor advised me that I could call in my payments instead, but I would have to pay a * {$3.00} processing fee for each transaction.

Fast forward to XX/XX/XXXX, I was suddenly informed that I could no longer make payments over the phone. When I inquired why, I was told it was due to a returned payment from XX/XX/XXXX which was over a year ago. I explained that my payments were being made with a debit card, making a return impossible. However, I was told that due to Chrysler Capitals new software, I was now required to use XXXX XXXX again. 

These repeated restrictions and added fees have made it unnecessarily difficult for me to make payments. I believe these practices are unfair and place an undue burden on borrowers, especially those who have experienced financial hardship. The above referenced actions also resulted in Chrysler Capital repossessing the vehicle, even after telling me that they would accept payments even when made using the overburdening process they would require.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number 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 instruction.
Product: Mortgage

I am trying to save my home from foreclosure by applying for mortgage assistance and a loan modification. I sent my package on XX/XX/XXXX and was told it had been deemed complete and advanced to underwriting on XX/XX/XXXX with a foreclosure hold placed on XX/XX/XXXX. I was also told at this time that they are legally required to complete their review within 30 days. So I entirely expected to have this done and know whether I can save my home by XX/XX/XXXX or XX/XX/XXXX at the latest. Naturally I am concerned that the process has been delayed over a week past the legal deadline. But that is not why I am filing a complaint. I am specifically filing my complain against XXXX XXXX, the asset manager. I could understand why they might be a little bit behind, but XXXX XXXX is being deliberately non-communicative regarding the status of my modification. All I want is information -- a simple explanation of why my file is delayed and what I can do if anything in order to move my file from point A to point B. Instead I am getting ignored and even hung-up when I try to speak with him. This is not only unprofessional, it 's unethical. They are breaking the law by stalling the disclosure of my decision and I am entitled to know why, and they are doing this with utter disregard as to how this jeopardizes my home and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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