23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I went to chase bank to open a checking account. I got denied opening a bank acct by chase due to XXXX credit reporting company. I feel that this issue been going on for a long time. I had tried to resolve this issues before. I feel that XXXX  is biased and uses unfair practices regarding my credit report. If this issue it's not resolved. I will take legal action against both companies regarding credit reporting and refusal for opening bank. I will sue both companies and I will contact my senator regarding this issue and will be consulting attorneys regarding this issue. I'm XXXX veteran and I can't even open a bank acct. That's ridiculous
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed over a dispute letter to Equifax disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Equifax that was issued by them on XX/XX/XXXX that they received my dispute but they would not process it because the documents are not legible. I'm not sure why they think that as all required documents are included as you will see in the letters I upload. This is I read at least one of their games they play with consumers so they don't have to do their job. I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Equifax do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address that shows the exact address they are asking for and a copy of my social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Debt collection

I am writing to file a formal complaint against LVNV Funding LLC. for multiple violations of consumer financial protection laws that have negatively impacted my credit and consumer rights. Detailed below are the specific violations and the actions I am demanding in response. 

Violations : Failure to Provide Validation Information : Despite placing a collection entry on my consumer report, XXXX XXXX XXXX XXXX XXXX has not provided me with the requisite validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). This lack of transparency and due diligence is unacceptable and has unjustly affected my credit standing.

Denial of Dispute Opportunity : In contravention of 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been afforded the opportunity to dispute the account in question. This denial of my right to dispute is a direct violation of established consumer protection regulations. 

Use of Deceptive Practices : The collection tactics employed by XXXX XXXX XXXX XXXX XXXX involve false, misleading, and deceptive means, which is in clear violation of my consumer rights and breaches the trust inherent in fair collection practices. 

Unauthorized Reporting to Credit Bureaus : The agency has reported information to consumer reporting agencies without adhering to the necessary legal disclosures, violating both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This unauthorized reporting undermines the integrity of my consumer report and violates statutory requirements. 

Demands : In light of these violations, I hereby : Dispute All Alleged Debts : I am disputing any and all debts that XXXX XXXX XXXX XXXX XXXX claims I owe. I assert that these claims have not been validated and are disputed in full. 

Revoke Communication Rights : Effective immediately, I am revoking XXXX XXXX XXXX XXXX XXXX 's rights to contact me via email, text messages, or phone calls. All future communications should be directed in writing through postal mail. 

Request for Debt Validation : I am formally requesting a comprehensive validation of the alleged debt, including but not limited to the original creditor 's name, the date of the original charge, and the amount of the debt. 

Request for Purchase Agreement : Additionally, I request a copy of the purchase agreement between XXXX XXXX XXXX XXXX XXXX and the original creditor, proving the legitimacy of the debt and the authority to collect it. 

Proof of Licensing and Bonding : I also demand proof that XXXX XXXX XXXX XXXX XXXX is licensed and bonded to collect debts in my state, as required by law. 

I expect a prompt response to this complaint, addressing each violation and demand outlined above. Failure to satisfactorily resolve these issues may compel me to take further legal action, including but not limited to seeking remedies through litigation. 

Please consider this letter a formal notice of the aforementioned disputes and demands. I look forward to your timely and comprehensive response.
Product: Debt collection

XX/XX/2019 my XXXX XXXX XXXX policy premium is {$2500.00} I made two payments ( monthly ) in the amounts of {$300.00} and {$290.00}. First of all {$2500.00} divided by 12 is {$210.00} not {$300.00} or {$290.00} so I immediately switched auto insurance companies. XXXX then sent my account to collections for {$690.00}. When in reality XXXX charges a 10 % cancellation fee which would equal {$190.00} for my cancellation. I have no clue where they got {$690.00} from and I have tried for 2 years now to get this collection removed off my account but nothing and XXXX has failed to return any of my calls and disputes. This is ridiculous.
Product: Vehicle loan or lease

So I purchased a XXXX XXXX XXXX model. Back in XXXX in XXXX. So nothing really seemed off until the car broke down not even XXXX  months later. A behold the service contract that was giving to me by credit acceptance. Was not valid for what I needed it for a new transmission. But wait theirs more. I then did my research on the carfax that I was never shown. Come to find out that this vehicle. Was leased to me by credit acceptance. But they left out the part that this XXXX XXXX had its dash rolled back. So that the mileage would appear lower than what I found. Which when I bought it had XXXX XXXX on it or so I was told or made to believe. Yet when I checked the car fax. The actual mileage was XXXX XXXX. A thats way over the miles that were showing on the dash. A would make sense why the XXXX XXXX had broken down. A was repossessed voluntarily as I told them about it but they refused to even consider that. If you need the dealership as to where I bought it. Id be happy to sent that over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I applied for cable service last month and denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 24 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX  XX/XX/XXXX {$750.00} XXXX XXXX  XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX  XXXX {$600.00} XXXX XXXX XXXX  XX/XX/XXXX {$7100.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX  XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX $ XXXX {$600.00} XXXX  XXXX XXXX XX/XX/XXXX {$370.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX  XXXX XX/XX/XXXX {$2.00} XXXX  XXXX XX/XX/XXXX {$3500.00} XXXX  XXXX XX/XX/XXXX {$3200.00} Dept Of Education XX/XX/XXXX {$5900.00} Dept Of Education XX/XX/XXXX {$3300.00} Dept Of Education XX/XX/XXXX {$2000.00} Dept Of Education XX/XX/XXXX {$1200.00} Dept Of Education XX/XX/XXXX {$3500.00} Dept Of Education XX/XX/XXXX {$2400.00} XXXX XXXX  XX/XX/XXXX {$1700.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, it's required to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Several listed accounts are inaccurately reported. Compensation of {$1000.00} is owed for each erroneous entry on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 
See the documents attached.
Product: Mortgage

Sent in via Overnight mail on XX/XX/2018 a Guaranteed Cashier Check in the amount {$2300.00} that exactly covers the Principal and Interest of my monthly mortgage payment. Seterus did not credit my account for the principal and interest which would have satisfied my XX/XX/XXXX Due  Date. Seterus has no reason to put funds into suspense account as the {$2300.00} is the exact payment necessary to satisfy my monthly mortgage payment. Seterus is willfully trying to cause my payments to be late by not applying funds and in addition not accepting two previous payments that had been made on XX/XX/XXXX and XX/XX/XXXX. This prompted me to make this payment via cashier check which should have guaranteed my monthly Principal and Interest to be credited toward my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account isn't mine I would like to have you send me the original signed contract if not please remove the inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was using cash app to purchase products and services online in case of a data breach the hacker wouldnt have direct access to my personal accounts. However I was scammed and the product I purchased was not as described. The seller would not respond to my requests so I filed a dispute with cashapp. Cashapp refused to help me out recover lost funds. So in cash apps business model is to allow anyone to be scammed and not provide help. I am going back to using a regular bank credit card. Cashapp should be banned in the USA.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of any information resulting from identity theft. 
Inquiries to be Deleted : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

THIS IS NOT A DUPLICATE PLEASE TAKE THIS MATTER SERIOUS! Like to inform this is my second time disputing the inaccurate payment history reporting on my credit report, and the response that Customer Care Manager XXXX gave me Prove that they did a reckless investigation of this dispute nor fail to view my attached documents. I quote an important part of manager XXXX response which CFPB have documented, He SAID " XXXX account was reported in XX/XX/XXXX as a new loan from XXXX, and NOT that his first payment was due in XX/XX/XXXX. Our records accurately indicated XXXX first payment was due on XX/XX/XXXX ". 

I attached proof that XXXX credit report, indeed say I made a payment on XX/XX/XXXX. Which is a clear error on the Creditors AUTO NOW or XXXX CRA. As I repeat Manager said my first payment was due XX/XX/XXXX. That is a huge gap from XX/XX/XXXX to XX/XX/XXXX. 

I will attach the response of Manager XXXX from Auto Now & the account payment history of this matter. This is a clear violation under the FCRA this account is not accurate & also doing a reckless investigation of the XXXX CRA or Auto Now or BOTH. 

The Status Date on this account Report XX/XX/XXXX I recall disputing this account memoirs times on CFPB, Certified Mail To XXXX & Auto Now this tell me this account actually has never been disputed since it been closed which is a MAJOR violation. You can't verify this account as accurate with out actually updating the status date. so if every dispute I sent in about this account never really been investigate I will count that as a violation. which I attended to collect on.
Product: Credit reporting

XXXX, a TV shopping network, closed my account after years of doing business with them due to results from an investigation that was provided by TransUnion. XXXX used TransUnion 's XXXX online investigative system to investigate me ; the results from the report provided by this system incorrectly linked my account and me to someone whom XXXX says owes them money. I do not owe XXXX any money and XXXX has acknowledged this as well. In addition, XXXX corporate headquarters will not give me access to the results of their investigation although I have requested them numerous times. XXXX maintains that they can not release information about my account to me because there is a debt owed to them and the person who owes the debt has to give XXXX permission to give me information about my account! 
The information provided by TransUnion has adversely affected my relationship with XXXX because they have closed my account permanently and, it may potentially be damaging other business relationships as well ; therefore, I need to know exactly what is in the report provided to XXXX by TransUnion, how TransUnion 's online system is linking me to people and accounts for which I am not responsible and any consumer report TransUnion has regarding me. Most importantly, I need the information corrected immediately.
Product: Debt collection

This is the second communication via certified mail receipt # XXXX on XX/XX/2022. I gave no written consent or signature on any contract. XXXX requested to delete from my consumer report. I see no affidavit of truth in rebuttal to my requested validation of debt and a contract with my wet ink signature stating the facts from a witness having first hand knowledge and competent to state the facts
Product: Mortgage

My son purchased a home with a mortgage from Wells Fargo in XXXX XXXX. I paid {$150000.00} as down payment. I was listed as a co-owner on the deed. I did NOT sign the Note. The was foreclosed upon and Wells Fargo falsely sued me as having defaulted on the Note. They dragged this out for nine years, and filed many court extensions. This caused the Homeowners dues to escalate to {$10000.00} and made me liable as my son ended up committing suicide. The home finally auctioned in the courtroom in XX/XX/XXXX for way below current market value. I still have the stigma of having a foreclosure on my bureau of conveyance records. At age XXXX, I do n't need to be stigmatized after having excellent credit my whole life. Although the issue is now closed, their treatment towards me felt like senior abuse.
Product: Mortgage

Shellpoint Mortgage company XXXX XXXX XXXX XXXX XXXX OH XXXX Outstanding Principal {$37000.00} Interest Rate 5.9900 % Prepay Penalty None Property address : XXXX XXXX XXXX XXXX, Texas XXXX Start date : Year 2006 Account # : XXXX Loan Amt : {$35000.00} Still Owe : {$37000.00} How many years do you pay to get the balance down instead of going up. 

Reporting to Credit Bureau Late 21 times when you have 15 days before you are late ... That was several years ago. They are still reporting late charges.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( XXXX ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. XXXX giving XXXX the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS : XXXX XXXX Account Opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, Bankruptcy XXXX. REMOVE LATE PAYMENTS, REMOVE INQUIRIES : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, regional. REMOVE INACCURATE PERSONAL INFORMATION. XXXX XXXX : ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank is discriminating against me as a XXXX XXXX American female who has attempted to clear my debt and have my Credit Report updated appropriately, after they have received and cashed a Legal Closing Attorney 's Check which was submitted to them in XXXX and was endorsed and cashed by Barclays Bank on XX/XX/XXXX. They are now falsely claiming that they did not receive the check and causing my credit to be negatively impacting due to the systemic XXXX practices. Also, they Retaliated against me on this week by negatively impacting my score by XXXX points after opening up a dispute with XXXX. Also, when I called on Monday of this week XX/XX/XXXX, I informed the Barclays Customer Service Rep that I had planned to open another CFPB complaint, and in turn, I was retaliated against by Barclays who submitted another False Negative Update to my XXXX Credit Report, after they had already received the check and numerous communications had been made to Customer Service regarding the Settlement Account which had been paid for {$880.00}. Instead, they chose to Retaliate further against me as a XXXX XXXX American Female and U.S. Veteran after I raised concerns to Customer Service and CFPB in a prior complaint when they refused to provide me with the actual Settlement letter so I could close on our Home. This is nothing but blatant systemic racism and an economic suppression tactic exuded by Barclays Bank. My account has been paid and XXXX also verified the Settlement amount with Barclays, prior to it being paid as well, prior to our Refinance Closing scheduled with XXXX on XX/XX/XXXX. 

They have done nothing but make excuses and lie with no intention on expediting and resolving my issues and concerns. They received proof that the check was cashed and placed into their account, and it is nothing but a Discriminatory Stall tactic to negatively impact my Credit score and manipulate the Credit Reporting Scoring System with the intent to harm XXXX XXXX Americans with no remorse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account I have disputed this account but it appears on my file still.

The original dispute took longer than 30 days for the merchant ( American Express ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.