23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/24 I wrote a dispute letter to Mountain America Credit Union to receive validation of the debt which they never provided to me. They claim I owe them {$7000.00} however, if this debt was real then they would have sent me the debt validation like I requested. It's clear that I actually don't owe this debt because they have no documents to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to follow up the the most recent complaint I submitted last XX/XX/XXXX. I believe that the Credit Bureaus are not doing their job properly and needs a constant reminder that they have huge responsibility. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. But in my case, I believe that the Credit Bureaus chose to not comply with the FCRA statute. I was a victim of identity theft and the accounts and information I am disputing are the results of such crime. I am requesting the Credit Reporting Agencies to please remove the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix my credit due to fraud and keep having issues with someone trying to use my identity to apply for credit cards. 

I have new inquiries that were not made by me. 

XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX. 

Equifax - XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I received a payoff balance from the store directly. I then proceeded to pay it off using the online service. With o communication from them after the fact I have noticed that there is still a balance reporting to my credit report and they now call me asking for money on an account I paid off and say the balance they told me was not correct and it's different if paid on line and they don't know why it's not showing paid off and the last specialist I spoke to seemed confused about what was even showing on my account.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a big issue with the credit reporting agency mainly check systems as I going through reviewing my file I noticed that my credit has not been up to par and it does not reflect having XXXX or XXXX accounts on my negative accounts on my credit file for it to be at a for a low low XXXX XXXX so I started doing some investigation and got all my reports from each of the reporting agencies check system mainly I asked for XXXX separate reports and verify that every XXXX of their reports has my business or somebody some some form or some way business dealings that I have is being reflected on my personal credit or personal XXXX XXXX  report and which is internal repairs on my credit they're using XXXXXXXX XXXX which is a account that's already been paid off to basically throw up a red flag and say hey this is this is what we got him to XXXX XXXX for, and then turn around and report it to my personal credit as a inquiry Banks why we can't get a checking account or banking account is due to the fact they're reporting on my business debt or business transactions under increase view by others under my personal file view by others they just change the name of it so I'm a registered XXXX so they have found a way to not put it put it negative information directly on my personal from these Banks because I would lse baby we just reported it differently I know this because I'm 100 % sure of this because I have not tried to open too many personal bank accounts in the last XXXX years maybe XXXX or XXXX and for them to say that all the inquiries are because of a personal inquiry because I will try to open a bank account is not the truth so I went back and and matched every business every XXXX of the names on there has some kind of business dealing with me or they either had XXXX XXXX reported on there behalf XXXX reported for them like XXXX XXXX XXXX
Product: Debt collection

Dear sir/madam, few months back I submitted a complain concerning a company know as ESCALATE LLC for collecting a false debt from me. 

Until today such false debt continue to appear on my credit report despite my initial complain. ( XXXX and XXXX ) few days back I notice on my credit report that another company known as XXXX XXXX put a note on my credit report stating that I was own them, I called the company to find out what transaction I had with them because I knew I was not owing them. But the company XXXX XXXX told me that they bought some debt from ESCALATE LLC that has my name on it. 

dear sir/madam I am not owing any of these companies or their affiliate and I do n't see the reason why both companies should note on my credit report that I am owning them same debt despite I know I do n't. 

this is I D theft i will be glad if your office look into this matter
Product: Debt collection

I got a letter in the mail saying i owed XXXX for a debit i know nothing about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, For the past couple years I had 2 credit cards from Capital One together with my wife, I'm having this problem that the SS # that I have is an GHOST, nothing is been report to the credit. 
I have paid off both of those credit cards - now I have another credit card with capital one and again not reporting to the credit I'm the credit card holder and my wife is the authorized user it has been over 5 months, I'm not able to buy an house because of this problem. 
I don't know what to do anymore because of this issue is affecting my life. 
Please guide me what should I do about this, me and my wife have contact capital one several time and nothing have been done. 
me and my wife have contact the 3 credit bureaus about this issue and again nothing can be done the credits says that under the credit my SS # is a GHOST.
Product: Credit card

I bought an Apple XXXX XXXX a year ago and paid using Apple Card installments ( it's a Goldman Sachs card ). In the last couple of weeks I traded that watch into Apple using their Trade-In Program and bought an Apple XXXX XXXX XXXX XXXX I still have a bit over {$270.00} in installments on my old Apple XXXX XXXX but it was traded in successfully which means Apple now owns and possesses it. I no longer have it or have any access to it or any way of getting it back. I have my new Apple XXXX XXXX XXXX. I. expect to pay installments on my Apple XXXX XXXX XXXX obviously because I have received that watch and am wearing it. But Apple Card is forcing me to continue paying the installments on my old watch. I was promised a trade in value of {$340.00} for my watch but since I have to keep paying Apple over {$270.00} for a watch that is now in their ownership and possession and for which I have no access to, I obviously won't even receive the value of the trade in. I expect only to make payments on the watch I have. I don't expect to give Apple back my old watch, lose the trade in value, and then literally have to pay Apple installments for many more months fo giving them back the watch. They get the watch back but I'm paying them to own it. It does not make sense to me and customer service won't help me. They say I have to pay Apple to keep my old watch. This is nonsense.
Product: Vehicle loan or lease

Loan is five months from being paid off however the wrench symbol has begin to show on the dash. Have been told by the Ford dealerships that such light indicates a problem with the transmission in my XXXX XXXX XXXX XXXX. 

I have contacted each dealer in the city and fifty mile radius to have the issue evaluated but all require that you leave the car with them for a period of 11 to 14 days. While the mileage on my vehicle is only XXXX, the warranty will expire in XX/XX/XXXX. The cost to rent a car of {$500.00} per week. They don't provide a loner. 
Contacted Ford Customer Service which told me they would send me contact for Ford warranty but that has not happen. If the light indeed indicates transmission issues, my vehicle will be worthless and I will be without transpiration. It is grossly unfair and unreasonable to require someone to spend almost a XXXX dollars just to have their vehicle receive service of not be able to received a specific date to receive service.
Product: Debt collection

I sent In a letter certified asking them to validate this debit and attached below Is what I recieve. Im asking that this info Is look into for It Is damaging my credit.this Is not a copy of a validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts violated my federally protected rights. The following accounts are with XXXX balance. XXXX XXXX, XXXX XXXX XXXX balance in XXXX and XXXX ) , XXXX , XXXX ( only reports to XXXX ) These items have violated my consumer rights under the Fair Credit Reporting Act, 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX  # XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for an AMERICAN EXPRESS XXXX XXXX XXXX on XX/XX/2021 and was denied. 

Reference number : XXXX I believe i was discriminated against in my application. AMERICAN EXPRESS is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against due to the response I received. Regulation B protects applicants from discrimination in ANY aspect of a credit transaction. Credit transactions and aspects of credit transactions include : Consumer credit, Business credit, Mortgage loans, Refinancing, Open-end credit, Credit applications, Standards of creditworthiness, and Adverse action. 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( ECOA ) which is codified in 15 U.S.C 1691c, and is pursuant to civil liability under 15 U.S.C 1692k. 

I have contacted AMERICAN EXPRESS by phone multiple times and, spoke with agents and supervisors in an attempt to have them reconsider their decision in my credit application without any success. 

AMERICAN EXPRESS is in violation of XXXX U.S.C XXXX, XXXX U.S.C XXXX, and XXXX XXXX XXXX because I, the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. 

I am aware of AMERICAN EXPRESS and their procedures and policies, but they do not XXXX XXXX Laws. If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to XXXX U.S.C XXXX and XXXX U.S.C XXXX. ( {$1000.00} per violation )
Product: Mortgage

Every year our XXXX bids out our insurance. I have received several conflicting instructions for sending the policy to the mortgage servicing Company [ Shellpoint, a division of NewRez ]. This year I've sent the policy several times, and yet the servicing Company has radically increased our payment because of lender placed insurance. This has happened several times in past years. I have and continue to receive many collection calls asking for payments that include the lender placed insurance, and I have explained on multiple occasions that the payment amount includes lender placed insurance that I will not pay for. I was told on several occasions that they are going to remove the lender placed insurance, credit my account, and recalculate my loan based on this information, and that they are including these facts in their notes and filing a complaint on my behalf. Our monthly payment amount remains grossly inflated. When they call I ask them if they are familiar with my case or if they are just calling cold without knowing anything about this discrepancy, they always say are just calling to collect a debt and they are not familiar with my disagreement. Sometimes they offer to transfer my call, but I've given up explaining the same thing over and over. At that point I terminate the call because I can not afford to spend any more time repeatedly explaining their error. 

All my payments are made automatically for the same amount. I've been told they are not applying my payments to my balance and are instead applying them to a suspense account because they are for the wrong amount. They once offered to mail me a check and I refused, stating that any and all refunds must be refunded to the source they were paid from using the same payment method. This debacle has cost me many hours of my time, which has had a negative impact on my ability to earn income. 

They have also made it confusing to access my account as they have multiple Companies and multiple websites. If they had credited the lender placed insurance, my payments would have been for the right amount or close to the right amount. That has not happened, and they are asking for over XXXX XXXX dollars more than I have been paying automatically every month. As a result of this error, my credit score has been negatively impacted. In my opinion, the mortgage servicing Company is liable for the damage to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX ( XXXX ), has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ay open end consumer credit plan as late for anv purpose.
Product: Mortgage

My mortgage was sold to Carrington Mortgage Services LLC. My complaint is that I sent them a check for {$2000.00} along with a pay stub that was marked " for principal only '' on XX/XX/2021. On the check was written for principal only. In XXXX, I got a statement that only applied {$1000.00} to the principal. And they divided that {$2000.00} in 4 monthly payments and still deducted for interest and escrow. How is that legal? 

I wrote them, talked on the phone with them twice. I sent the copy of the check that they cashed and the copy of the statement that they sent me. They said that they had that fixed and refunded my XXXX payment and used part of the principal money to pay {$400.00} to the principal only. 

The principal balance in XXXX statement was {$19000.00}. In XXXX statement the principal balance was {$18000.00}. By my count, the principal balance should have been {$17000.00} after applying {$2000.00} to the principal. 

I have copies of the letter, the check and their statements to prove what happened. When we talked on the phone, the representative told me that it had been fixed. I do not believe it was fixed properly and they just stole that money that we used to try to get our payments lowered and work on paying off the house.
Product: Checking or savings account

Greetings, I am filing a complaint in regards to a faulty personal checking account suspension by HSBC, USA. 

On Friday, XX/XX/XXXX, my personal checking account was wrongfully suspended by HSBC for suspicious activity, preventing me from accessing funds or viewing my bank statements. As of Friday, XX/XX/XXXX, I have been unable access my personal funds or contact any member of HSBC 's account security department about unfreezing my account. 

I have reached out to HSBC 's costumer service multiple times over the phone ( often waiting on hold for multiple hours ), e-mail, and social media, but they have all been ineffective in putting me in contact with the correct department to resolve my issue. In all of my correspondence with HSBC costumer service, the bank has been hesitant to respond in writing via e-mail, Instead, opting to call over the phone, while offering no solution. 

I have likely identified what was the cause of the " suspicion '' -- a mobile check deposit that I have confirmed has cleared both banks -- but I am still unable to resolve my issue. 

This account freeze has forced me to move funds from investments to another checking account and may effect reimbursement for government travel. 

I have attached my e-mail correspondence with HSBC and will be happy to provide more details. 

My issue is very similar to the one described in the article linked below. 

https : XXXX? XXXX & XXXX & XXXX Thank you! 

XXXX XXXX
Product: Debt collection

I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by som bad peoples on the internet. Having these False and misleading inquiries reporting to my credit report is hurting my credit and is hurting my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my kids a big house with a huge back yard for them to play in. please handle this matter quickly. I have included a list of all inquiries and accounts that I did not authorize below along with the dates. please remove asap ok? 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance 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 ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX XXXX a copy of an identity theft report ; Please remove all the accounts listed :
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS ABSURB. I CANT BELIEVE THIS IS INSANE, I AM A HARDWORKING YOUNG LADY WITH XXXX KIDS. THEY ARE HINDERING MY CREDIT SUCCESS BY ALLOWING CREDITORS TO FALSIFY INFORMATION ON MY CREDIT REPORT. THE XXXX XXXX ACCOUNT SHOULD NOT BE ON MY REPORT, BEEN DISPUTING ITS ACCURACY AND VERIFICATION SINCE XX/XX/2020, UNDER FCRA 809AB GUIDELINES, THIS SHOULD NOT STAY ON AS THEY ( XXXX, EXPERIAN OR XXXX XXXX ) HAVE NEVER SENT ME ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


THIS COMPLAINT IS BROUGHT HERE ONLINE TO MAKE SURE THEY DO THEIR JOB THIS TIME, UNDER SURVEILLANCE OF CFPB AND FTC. THANKYOU