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

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never received anything regarding my collection and I am seeing a coolection on my credit report
Product: Student loan

Since XX/XX/2018 I have attempted to pay my balance in full with no prevail, Great refused to accept my payment 4 times and now they have raised the amount by {$1000.00}. 
XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 I sent letters asking for the balance and if they would accept full payment, FULL PAYMENT no response would settle this account legally and financially, they continue to willfully and knowingly report incorrect inaccurate information to the CRA 'S damaging my credit and lively-hood.
Product: Debt or credit management

My information was exposed in a data breach. My credit is horrible its a person using my information in Texas and so much other things
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer has notified previously of dispute and EQUIFAX is still in violation and reporting fraud on consumer report. The company XXXX XXXX XXXX XXXX is involved with identity theft account and consumer request for immediate removal of account listed as XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my JPMCB CARD - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
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 {$950.00}, {$1100.00}, {$2100.00}, {$0.00}, {$450.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$950.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report on XXXX XXXX XXXX XXXX and noticed an account reporting inaccurate information account # ( XXXX ) XXXX XXXX XXXX this account has the wrong open date and the wrong first date of delinquency please correct these errors immediately or delete account from my credit report please send me an updated corrected copy of my credit report in15 days to my address on file thank you for your prompt assistance for this account is hurting my opportunity to obtain credit
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. I told Experian, XXXX, and XXXX to reinvestigate the Account Number # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau experian as well as XXXX XXXX were notified about fraudulent and inaccurate information was being reported to my consumer report. I mailed an identity theft report to consumer reporting agencies in XX/XX/2023. As well sent out cease and desist letters to the company XXXX XXXX XXXX.
Product: Mortgage

We can not get Suntrust or Truist to remove PMI from our loan. It has been over a year at this point. This is the third CFPB complaint we have tried to file and they always say they'll work with us, call once, and then stop. They need to remove the {$170.00} PMI payment as our home is worth almost twice what we owe now. We have sent in checks TWICE for the {$100.00} cost for the broker 's opinion service they say we need, but they are not cashing the checks, and they do not continue to call or respond when we try to figure out why they aren't cashing them or what the next steps are. This is intentional. We have called many many times, used the chat, used secure messaging, and gone in person- all many times. We do exactly what they say, and then the next person we talk to laughs about it and says " oh we don't do it that way '' or " oh that was the wrong number '' or " we never even look at those secure messages ''. This needs punitive damages. We can not force them to work with us - the next step is to just stop paying that amount, and then they'll say it's the principal we aren't paying instead of that fee. We want this refunded all the way back to last year with interest. It's been more than 12 months of fighting with this company and we have done everything they have asked us to, times a dozen. The ONLY thing that gets them to respond to us is when we file a CFPB complaint. We have no other choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an auto loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, XXXX  and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX   was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check XXXX XXXX received final payment for my loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed XXXX XXXX XXXX XXXX account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.
Product: Money transfer, virtual currency, or money service

This correspondence is in regards to a limitation placed on the paypal account associated with the email XXXX The associated XXXX account concludes with a good standing defined as minimal to no negative feedback and outstanding positive reviews resulting in XXXX XXXX  ( ) = XXXX to XXXX ratings on the account standing as of current. 

PAYPAL has not defined the reasons for the holding of the funds in the account associated with XXXX on paypal.com and the monetary value of {$11000.00} has not been returned following the promised 180 day waiting period. 

We would like a request on the exact specifications on the violations present resulting in the holdings of the funds on the account XXXX and we are requesting a prompt return of the aforementioned funds of {$11000.00} in the full amount withheld as of XX/XX/XXXX till today XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX, Contract Callers Inc was sent a letter pertaining to a debt that I do not believe is mine. I have left the state of XXXX XXXX and moved to XXXX in XXXX. Now, Im being told that I owe a debt for services used in XXXX and XXXX. I have a number of issues with this for the following reasons : Knowing how scrupulous XXXXXXXX XXXX XXXX  is, having been a customer of theirs for a number of years, if I owed even {$1000.00} dollars, utility services would have been suspended and restored ONLY after the owed amount would have been paid. The owed amount would have never made it to reach $ XXXX that the Debt Collector ( Contract Callers Inc ) is claiming that I owe. 

Upon receiving my initial request letter sent to ( Contract Callers Inc ), they have yet to prove they have authority to collect said debt and/or that they purchased it from XXXX XXXX XXXX . I have not received any documentation from your agency validating the debt they are attempting to collect. Under the FDCPA, they are required to provide proof of the debt within five days of initial contact with me. As I have not received any such documentation, I have reason to believe that this debt is not valid.

I have reason to believe that their agency is not licensed to collect debts in my state ( previously in XXXXcurrently in XXXX  ), as required by law. Under 15 USC 1692e, debt collectors are prohibited from making any false, misleading, or deceptive statements in connection with the collection of a debt. By attempting to collect a debt in a state where their agency is not licensed, they are in violation of this law. As per, NMLS Consumer Access, they do not have licenses in XXXX and/or XXXX XXXX  .

My credit reports have been severely impacted by the misreporting of this debt collector and I am requesting to have ALL of the mis-reported information removed from ALL of my credit reports. I should not be getting alerts that my credit reports have been compromised with fraudulent debts that are not mine.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a completely unsolicited envelope from the Company Netspend 'All-access ' ( XXXX XXXX XXXX, XXXX, TX XXXX ) containing a card bearing my name, an account number and expiration date, and a security code, which appears exactly like a real credit or debit card. Again, I never requested any such card from this company, and do not know how they got my information. Also included is a 'direct deposit form ' bearing a routing number and account number for an account which, again, I did not request to open and have no interest in. I think and hope that they don't actually have any of my money, but the mere appearance of an account opened in my name that I did not request is panic-inducing and extremely deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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
Product: Mortgage

Flagstar Bank MortgageBorrower : XXXX XXXX Loan # : XXXX Property Address : XXXX XXXX XXXX XXXX, FL XXXX XXXX I've spent a year trying to work with the Flagstar Bank Escrow Department and their Insurance Service Department to try and resolve a force placed policy that was then charged to me with late fees. After having called Flagstar Bank on a monthly basis for the past year it was only yesterday on a call ( with the assistance of my insurance broker ), that I asked for an escrow accounting and copies of documents and policies and became concerned that there may have been fraud or a legal violation on the account. 

On XX/XX/XXXX a disbursement of {$1600.00} was made by Flagstar from my mortgage. This disbursement automatically established an escrow account for calendar year XX/XX/XXXX. My mortgage does not have taxes or insurance escrowed. I was originally told by the bank that this was related to a force placed insurance policy. I provided insurance documents and policies to prove that I had my own insurance in an attempt to resolve the error. 

The charge for {$1600.00} ultimately also resulted in an additional {$900.00} in late fees accrued to my account. I was told by Flagstar Bank every month I called to wait for a refund and reconciliation. I continued to pay my original loan amount but would later make additional monthly payments upon a monthly review of my account because no reconciliation actually took place and I did not want my account to go past due. 
When I called Flagstar with my insurance agent to see if I wasn't asking the right questions, the Bank escrow department acknowledged the disbursement in my account history but could not confirm to who the disbursement was made. I was transferred to the Insurance Services department and we asked for a copy of the policy that was force placed. This was the first time they disclosed that they do not have a record of insurance or a copy of a policy being placed on my account. 

I was presuming if I got a copy of their policy I could get a refund from my own carrier who I also had a policy with, but it appears Flagstar Bank is unable to provide a justification for their charges. 

My complaint is that no policy was actually purchased since they can't find proof of a policy yet they charged me for insurance and fees on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX/Transunion Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets delete this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about this complaint. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Debt collection

I only had a lease with this company thru XX/XX/XXXX and my rent was paid in full thru XX/XX/XXXX. I then moved and signed a lease with a different apartment complex from XX/XX/XXXX - XX/XX/XXXX. I have not lived in any properties owned by this creditor nor do I have contract with creditor past XX/XX/XXXX. And I have the proof of rent payments paid in full thru XX/XX/XXXX, a copy of that lease, and a copy of the new lease with current apartment. So how is it that this creditor is trying to charge me for rent for XXXX, including late fees when I was not even a resident, nor was I supposed to be a resident of any of this creditors properties??
Product: Money transfer, virtual currency, or money service

I opened up a Paypal account to get a reimbursement from my niece. Upon recieving the money into the account Paypal has frozen the account and refuses to say way and is holding my money now for 120 days. 

Both parties have called paypal to validate the authenticity of the transaction. Paypal still refuses to do anything. 

Refererence ID : XXXX
Product: Credit card or prepaid card

XXXX, I'm writing to obtain information concerning unauthorized credit card transactions. I have one credit card & 3 debit cards. All of these financial vehicles have been compromised on multiple occurrences since XX/XX/2021. 

I have reported the fraudulent transactions to the respective financial institution. Each has closed the account, investigated the transactions and issued new cards to me. However, the fraud continues. 

Recently, I've received three replacement credit cards ( from the same institution ) over the last 3 weeks due to systemic fraud charges. My credit card company reports they can't identify the culprit. I've contacted the 3 credit reporting bureaus ; thankfully there is not evidence of identity theft ( new credit accounts ). 

Finally, I've scrubbed our electronic footprint ( computers, etc with antivirus scans ). 
I'm hopeful you can provide guidance on any steps I can take to stop the unauthorized fraud charges. 

XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.

Sub-section 1681-2 ( a ) and ( c ) and 15 U.S.C. Sub-section 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. 
ADDITIONAL UNAUTHORIZED INQUIRES - XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the CREDIT REPORTING of my XXXX XXXX account ( XXXX ) BY EXPERIAN. Due to severe inconsistencies between Experian, XXXX, and XXXX. These contradictions prove that none of the reports are reliable or verifiable, and therefore, continued reporting of this account is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

Disputed Inconsistencies Requiring Immediate Deletion : Payment History Discrepancies : Experian reports CO ( Charge-Off ) during XXXX, while XXXX shows on-time payments. 

Since Experians reporting conflicts with XXXX and XXXX, it must be deleted if it can not be verified. 

Last Payment Date Conflict : Experian reports my last payment as XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
Since none of the bureaus match, this account must be deleted as unverifiable. 

Charge-Off Reporting Timing : If Experian can not verify the exact date the charge-off was first reported, this charge-off must be deleted.
Product: Credit card or prepaid card

Bank of America via direct marketing campaign mailed checks under my visa credit line with XXXX XXXX promotional interest for 12 months. I deposited one for {$40000.00} into my bank account at another bank thinking that the interest is XXXX XXXX. I did this sometime on XXXX or XXXX 2022. I received my statement on XX/XX/2022 and notice a {$1200.00} fee added to XXXX XXXX balance. I immediately paid the {$40000.00} online and asked for a {$1200.00} credit to be issued toward my account. they refuse to do taht. 

I believe that bank of America engages in unfair and deceptive marketing practices by presenting a XXXX XXXX interest in large characters while listing the XXXX XXXX fee in a very small characters on the bottom of marketing letter. 
I also believe that i should have the right to return merchandise, cancel a bank transaction within a reasonable time period.
Product: Credit card

XXXX had multiple previous issues with this issuer, primarily constantly requesting a physical credit card multiple times and never receiving it, though confirming my address and requesting multiple times. - made multiple credit card payments from 2 different accounts to ensure sufficient funds after first payment " returned '' - Capital One tells me I have insufficient funds but payments are posting to my account and getting pulled from my account. - Multiple payments were " returned '' ( not cleared for or reflecting on my credit card but taken out of my bank accounts. ) -Called customer service multiple times, was notified it has to be a client issue, - -dealt with customer service representatives that would refuse to decide that the issue was a capital one issue, would say it's a bank/insufficient funds issue or client problem. Have lost almost XXXX $ in credit card payments that have been " returned '' and not reflecting. Now a late payment fee is charged on my account that is SUPPOSED to have no late fees. Attempted to call customer service one last time, was redirected 3 times and was consistently interrupted when attempting to share my concerns, realized this issue would be just like the other times I attempted to contact about this issue.