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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX  - BALANCE {$2000.00} Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - BALANCE {$27000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit reports 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 a personal credit card account opened at XXXX XXXX XXXX  and a auto loan account opened at XXXX XXXX XXXX. These accounts have resulted in several fraudulent reports and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i'm complaining about unfair portrayal of credit information on XXXX, XXXX, and equifax.The negative portrayals of XXXX XXXX acct. no. XXXX, XXXX  XXXX XXXX, account no XXXX, XXXX  XXXX XXXX, acct. no.XXXX, and XXXX  XXXX  XXXX are due to a single source that was beyond my control and overwhelming me.My spouse who is now divorced from me was systematically stealing and using credit without my permission.As a result I am left with severe credit damage which could be mitigated by you.
Product: Vehicle loan or lease

I called in to make a payment and got 3 different payment amounts from 3 different representatives. One told me my balance was {$1000.00}, another told me my balance was {$1500.00} and another one told me my balance was {$520.00}. When I spoke to the first representative I verbally expressed that I wanted my payment to go to the principal only and not the interest. That representative informed me that they would apply it to my principal only on a recorded line. The second representative said he would do the same thing after I verbally expressed to him that I wanted it to go towards my principal. After logging into kiafinance.com I see that my payment of {$1000.00} was not applied to only the principal as I requested on Kia recorded line. I also made a payment on XX/XX/XXXX in the amount of {$570.00} which wasn't applied to the principal at all but to the interest only. I have no other choice after this but to go to the FTC and make my complaint due to this fraudulent activity from Kia Finance America. I have also sent correspondence to the legal department and also the CFO of the company and the only response I keep getting is a computer generated letter that doesn't address the initial request within the letters I've sent. 

The Bureau found that Hyundai violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by failing to promptly update and correct information it furnished to consumer reporting companies that it determined was not complete or accurate, and continuing to furnish this inaccurate and incomplete information ; failing to provide the XXXX date of first delinquency on certain delinquent or charged-off accounts ; failing to modify or delete information disputed by consumers that it found to be inaccurate ; failing to establish reasonable identity theft and related blocking procedures to respond to identity theft notifications from consumer reporting companies such that Hyundai continued to report such information that should have been blocked on a consumers report ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to consumer reporting companies. These FCRA violations also constituted violations of the Consumer Financial Protection Act of 2010 ( CFPA ). The Bureau also concluded that Hyundais use of ineffective manual processes and systems to furnish consumer information was unfair in violation of the CFPA. 



cc : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have held a XXXX XXXX  credit card for over two years.I have never been late on my payments. And all three of my credit scores are over XXXX. I have requested multiple credit limit increases and they have all been denied. I also have an auto loan with them which I have never been late on. The last denial was stated in the letter " My payments are too low ''. That makes absolutely no sense. I have never been late or payed less than the minumum payment.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of engelhardt V. gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt, in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXXXXXX balance {$760.00}, XXXX XXXX XXXX  balance {$160.00}, XXXX XXXX XXXX balance {$56.00}, XXXX XXXX  balance {$420.00}.
Product: Credit reporting or other personal consumer reports

Greetings, on XX/XX/XXXX I sent a certified letter to XXXX requesting validation of the account listed below. The account does not belong to me and it is causing great strain on my credit report. I have attempted on several occasions to get this removed. Below is the latest certified letter I sent. Please assist me in getting this removed permanently. I do not want a " verification '', I need the account VALIDATED with the original contract sent to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Validation of Account XXXX  XXXX XXXX, Account Number XXXX / XXXX Dear Sir/Madam, I am formally requesting validation and verification of the following account, as reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I am disputing the accuracy and completeness of the information regarding this account : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ) Balance : {$21000.00} Credit Limit : {$20000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( XXXX ) Legal Basis for Dispute : According to the FCRA : 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable investigation to verify disputed information. If the information can not be verified, it must be removed from the report. 
15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. 
Requested Information : 1. Complete validation of the debt, including the original creditor 's details and a breakdown of how the balance was calculated.

2. Copies of any documentation that supports the validity of this account.

3. The procedures used to verify the disputed account and determine its accuracy. 
If you are unable to validate the requested information, I respectfully request that this account be corrected or deleted from my credit report. 
As per the FCRA, you are required to complete this investigation within 30 days. Please confirm in writing the results of your investigation and any changes made to my credit file. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I SEND WITH REMITLY THE AMOUNT OF {$550.00} AND {$280.00} ON XX/XX/XXXX THE MONEY NEVER GET TO THE XXXXXXXX XXXX ACCOUNT ITS HAVE BEEN A MONTH AND NOT ANSWER FROM THEN AT AT ALL I HAVE MAKE SEVERALS CALL AND NOTHING BE RESOLVED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Account 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
Product: Credit card

Our furnace went out and XXXX company approved us over the telephone for a Wells Fargo credit card. They fixed furnace and the we paid more than the minimum each month and when the balance was down to about {$1300.00} they charged us {$1000.00} in interest. They claim it was a " deal '' they offered of XXXX no interest if paid in full. Even though the balance was {$1300.00} at end of 12 mos they charged over 28 % interest on the highest daily balance. We were never told this by Wells Fargo or the XXXX XXXX. We asked Wells Fargo to remove the interest charge and we 'd pay off the balance. They said no and so sorry. This is predatory lending at it minimum and outright fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in 2015. This account was included. My bankruptcy was closed and so were all of the accounts associated with this. This account is still being reported as open and is reporting to my credit as late every month. This is causing me economic harm. As I can not secure a home loan for my family in the middle of a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/22 I disputed an inquiry from a company called " XXXX XXXX  '' ( confirmation # XXXX & XXXX ) I have not authorized this company nor do I no who they are nor did I give permission to obtain my report! 
Within less that 24 hours Equifax came back with results that Inquiries are a " Matter of Fact ''. with no further information. 
On or about XX/XX/22 AND XX/XX/22 certified letters were sent to Equifax, pursuant Federal Law, requesting who verified this account, method of contact and all relative pertaining information be sent proving this was a legitimate inquiry, Equifax has not responded. 

This information has been sent to my attorneys at XXXX and XXXX XXXX ( for reveiw for possible Federal Law violations ). 

I suggest ALL parties govern theirselvs as I move forward with these findings
Product: Credit reporting, credit repair services, or other personal consumer reports

I want all information removed that is not accurate to my current address.as it is fraudulent.
Product: Debt collection

I had signed up for XXXX which I had to sign a XXXX year agreement after moving into a new house XXXX yr we bought our house and when our package kept changing and our bill never being the same and the channels chamging day to day we decide to end contract. when XXXX put our equipment into our new house they automatically renew your XXXX year agreement with notice. NOW they are charging me for the XXXX year termination fee..
Product: Debt collection

i complained to the cfpb about bridecrest re aging my account and how i want this account deleted and to get monetary compensation for what they done to my credit report. 

two days after i complained to them i started receiving several calls and voicemails from people at bridecrest about this account. these calls and voicemails were threatening to me and seemed like retaliation for complaining that they were violating my concumer rights.

Section 660.3 of this part requires each furnisher to establish and implement reasonable written policies and procedures concerning the accuracy and integrity of the information it furnishes to consumer reporting agencies.

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information.

they knowingly put this information on my credit report which has caused me huge amounts of financial harm
Product: Mortgage

My mother passed away XX/XX/XXXX. I am executor of her will. I sold her house on the XXXX XXXX of XX/XX/XXXX. All monies due to SLS loan servicing was given to them through my closing attorney. Specialized Loan Serving has started to call on the XXXX of XX/XX/XXXX saying additional money was owed. On the fifth of XXXX I sent them a wire transfer of XXXX to satisfy the underpayment to close out the loan. The very next week I received another call saying that I owed additional money because they held it for 10 days and XXXX per day I was being charged due to them holding the money. They have threatened me, harasses me and even asked to speak to my mother after being told she had died. I have received numerous phone calls and every one I have returned has stated that I owe more money. They sent me a letter saying I owed a penny, one cent and a bill which was for {$210.00} and change for the foreseeable future. They refuse to speak with my attorney. They continually harass me.
Product: Debt collection

I have received several notices in the mail by this company demanding payment in the amount of {$210.00}. I have sent several letters disputing the charges, with both their client and the collection company via mail and fax ). They have never responded to my dispute, instead they keep sending demands for payment. Today, I received a letter from them threatening to post adverse credit information on my credit bureau reports. I also included a cease and desist. I'm also not entirely sure this is from a real debt collection company.
Product: Mortgage

I made 7 Phone calls and submitted over 10 complaints to Fay Servicing after they took over my loan. They not only failed to respond in a timely manner, but they admitted the mortgage payments were made on time to the mortgage company that they purchased the loan.

Fay Servicing is sending me notices that my house may be in foreclosure proceedings.

Fay Servicing violates many laws of mortgage lending : 1. Violation of RESPA ( Real Estate Settlement Procedures Act ). Under RESPA, mortgage loan servicers are required to resolve disputes regarding loan payments and servicing errors in a timely manner.

Fay Serving has failed to reply to emails and phone calls promptly and in accordance with their obligations communicated through email and phone calls.

Mortgage payees have a 60-day grace period after a transfer to a new servicer. FTC guidelines 1024.33 ( b ) ( 4 ) ( v ) states the customer can not be charged a late fee when the payments are sent on-time mortgage payment to the old servicer by mistake and your new servicer cant report that payment as late to a credit bureau .

2. FCRA ( Fair Credit Reporting Act ). The FCRA protects consumers from inaccurate information on their credit reports. If Fay Servicing incorrectly reported a delinquent payment after you provided proof that the payments were made, they may have violated the FCRA.

Fay Serving incorrectly and purposely put inaccurate information on my credit report, even after I provided proof 3+ times that the payments in question were made. 
I have provided proof that XXXX ( {$3500.00} ) and XXXX ( {$3500.00} ) payments were made and gave evidence of payments. Fay servicing admitted the previous mortgage received the payments proof that XXXX and XXXX were paid on time is attached. 
Under FTC guidelines, it is Fays responsibility to get any payments made to the old mortgage processor within 60 days of the loan transfer. It is Fays responsibility to get the payments from XXXX. I understand that XXXX is indicating to Fay that only one of the two payments was made. That communication that only one payment was made is not my concern as clear proof that both XXXX and XXXX were paid has been provided to XXXX  numerous times.
Product: Debt collection

In XX/XX/2019 i opened a new account with XXXX XXXX XXXX XXXX for cell phone service i took the phones back and cancelled service with them before my 14 day trial period was over. They actuallys till owe me sales tax and downpayment back that they never refunded. I have fought and fought them and still trying to collect on something i dont have or set up. 

The representative said this would be taken care of and removed from my credit reports but it still shows up.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX  XXXX XXXX account number XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error solution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significate inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

ON XX/XX/year>XXXX  I SENT LVNV FUNDING LLC A CEASE AND DESIST THIS COMPANY IS COMMUNICATING WITH 3RD PARTIES ABOUT MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION. I HAVE NOTIFIED THIS COMPANY THAT THIS INFORMATION IS FRAUDULENT.
Product: Credit card

Hi, I have owned a XXXX AMEX credit card for the past two years. This particular card has sat in my home safe since I 've received it. It 's never been held by anyone, never been used. This past month I receive a statement that shows I owe {$0.00} ( that is correct, XXXX cent/penny ). I am pasting my statement below to show this fraudulant charge. Since nobody has or have accessed my card sitting in my safe, logic dictates that XXXX XXXX XXXX added this made up charge to my credit card. 

XXXX Page XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/2016 Account Information : XXXX Payment Information Account Summary Mail billing inquiries to : New Balance Total XXXX {$0.00} Previous Balance XXXX {$0.00} XXXX XXXX XXXX Current Payment Due XXXX {$0.00} Payments and Other Credits XXXX XXXX XXXX XXXX Purchases and Adjustments XXXX XXXX XXXX XXXX TX XXXX Total Minimum Payment Due XXXX {$0.00} Fees Charged XXXX XXXX Mail payments to : Payment Due Date XXXX XX/XX/2016 Interest Charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Warning : If we do not receive your Total Minimum Payment by New Balance Total XXXX {$0.00} XXXX TX XXXX the date listed above, you may have to pay a late fee of up to {$35.00} and Customer Service : your APRs may be increased up to the Penalty APR of 29.99 %. Total Credit Line XXXX {$7500.00} XXXX Total Credit Available XXXX {$7400.00} Cash Credit Line XXXX {$750.00} ( XXXX TTY ) Portion of Credit Available for Cash .... {$750.00} Statement Closing Date XXXX XXXX Days in Billing Cycle XXXX XXXX Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Purchases and Adjustments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Accounts Involved : *Department of ED and any of the following 3rd parties : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  These accounts are reporting information protected by the Privacy Act of 1974, which prohibits : A ) sharing of information to 3rd parties without consent from me, the consumer, to the 3rd party directly. 
B ) sharing of transaction history without consent. 

These accounts are reporting information protected by the Family Educational Rights & Privacy, which prohibits : A ) student information shared with 3rd party companies ( loan, payment history, transaction history, attendance dates ) ; NOT falling into any of the categories listed by FERPA allowing such information to be shared ; NOT falling into any of the categories listed by FERPA outlining what entities ARE allowed to receive such information. 

In addition to the aforementioned Privacy Act of 1974 violation, this act also prohibits government agencies from taking actions with consumer information, which are not outlined in agency forms presented to me the consumer. 

These accounts are reporting information protected by 15 U.S. Code 6802, which prohibits nonpublic personal information to be shared to nonaffiliated 3rd parties ( including, but not limited to credit reporting agencies ) without consent of me, the consumer. 

There are also items reporting closed that are still negatively reporting on my credit.
Product: Checking or savings account

Closed account on XX/XX/XXXX with wells fargo over the phone 7-10 business days for check to arrive in mail Called XX/XX/XXXX ( 10 business days after closing was told there is nothing they can do until day XXXX ) XXXX Tried going into a retail location said they cant help because it was initiated over the phone. Trying over the phone gets me transferred to payment exceptions. I have been on hold for over an hour and not a single person has answered. Im wondering if its an intentional dead end. They promised 7-10 business days to received a check. Its been 17 business days or 23 days, since I closed the account and I have received no such check.
Product: Mortgage

I have a mortage with rocket mortage and was in forbearance, when I came out of my forbearance in XXXX of XXXX  I was contacted by American premiere lending stating the purchased my loan from rocket mortage and to continue to make my payments to them instead or rocket. So I made my payments to them and was never contacted by rocket mortage. So in about XXXX I was victim of someone hacking my bank account and had to close it upon doing this i went to set up my automatic payment and couldn't find the company I was paying and this is when I found out they did not exist and rocket was still in charge of my mortage and American premiere was not paying them they were keeping my money. So now I'm 8 payments behind and in pre forclosure. I don't want to loose my house and be homeless.
Product: Debt collection

Midland Funding LLC had already been paid but refuses to removed collection from all credit reporting agencies.