23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent you documents of an alleged debt over 30 days ago of a debt you are saying with a certified letter with a return recipe requesting 8 specific items to prove that I owe the debt you are alleging and I did not get any response from you. Your stamp on the return recipe tell me you have my correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of fraud and equifax does not want to remove the fraudulent accounts.

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

XXXX XXXX {$240.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
Product: Credit reporting or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved to obtain goods, services, or money. Please take out the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00}.
Product: Debt collection

A derogatory medical debt was reported to my credit bureaus. I never received a letter from this company, therefore, I didn't receive the notification to collect a debt or my right to dispute the debt within 30 days. I pulled my XXXX  report and the following was on there : IC System Collection XXXX XXXX XXXX XXXX XXXX, MN XXXX Updated XX/XX/18 Says I owe {$95.00} I tried to login to their website to get more information and it says I need a reference # from the letter they sent me. However, I don't have one as I never received a letter from them.
Product: Credit reporting, credit repair services, 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  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX & XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX, XXXX Account number : XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting or other personal consumer reports

Recently I looked 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 : account : XXXX XXXX XXXX XXXX XXXX
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 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

It all started when I complained to cfpb last month about XXXX XXXX XXXX and the account that they are falsely reporting on my credit file. I pointed out that they claim they got the account from XXXX XXXX, then they claim it almost 6 months later and reage it, as soon as I complained my credit score with TransUnion drop like 70 points in like 2days for no reason. Is that supposed to be a punishment for complaining? I want justice for these guys just doing what they want with ones credit.
Product: Checking or savings account

Navy federal credit union has permanently closed my checking account and they are keeping my money for and {$46.00} saying that there was fraudulent use on my account which they did not not even notified me of. I had to go in the bank and find out, and they are saying it was a problem with a XXXX payment, which was not fraud, and went through just fine and funds are received and so now the bank account is flagged and permanently closed and the bank is going to keep my remaining balance of {$440.00} without a reason of why
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to multiple unauthorized inquiries on my credit reports that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated efforts to have them removed, the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my credit score. 
This is completely unacceptable, and these inquiries are in no way a result of any action Ive taken XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024
Product: Money transfer, virtual currency, or money service

A one-time international transfer of {$1600.00} ( including {$25.00} fee ) was authorized on XX/XX/2019. 

THREE deductions of the above amount were made by Ria on XX/XX/2019 from my bank account resulting in an over-drawn account. 

TWO of three transactions were NOT AUTHORIZED. 

How is Ria Financial deducting triplicate amounts when only one was authorized? Aren't there controls in place to transact only upon validated authorization and catch duplicate/triplicate transactions ( a simple system solution )? 

I called my bank and immediately connected to customer service, notified them of unauthorized withdrawal and started a fraud investigation. 

I tried calling several phone numbers published on Ria Financial 's website and either got dropped off the line or put on hold for 1+ hour at least 4 times! I submitted an electronic inquiry on Ria Financial 's website to reach them by email. On one of the calls, I finally got through to the Ria agent who could not explain how the triple withdrawal occurred, but confirmed that it impacted ALL CUSTOMERS. Ria agent said that a refund will be made for the two of three deductions within 2-5 business days. Given that Ria 's unauthorized withdrawals resulted in my bank account having XXXX balance, it was of little comfort that it would take up to a calendar week to get money back! How am I supposed to pay my bills in the meantime?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transferred and Closed : The account was officially transferred and closed on XX/XX/XXXX, and any late payments reported after this date should not have been reflected in my credit report. The delay in processing during the account transfer led to the inaccurate reporting of late payments from XX/XX/XXXX to XX/XX/XXXX, which should not be attributed to me. 
On-Time Payments Prior to Transfer : I have always made my payments on time prior to the transfer of this account. The incorrect reporting of a 120-day late payment does not align with my history of responsible financial behavior, as all obligations were met before the account was transferred. 
Dispute Already Filed and Marked as Resolved : I previously filed a dispute regarding this issue, which was marked as resolved. However, the late payment entries remain incorrectly on my credit report, indicating that the issue was not properly addressed. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


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

The problem with Affirm started XX/XX/2022. My husband died, I pulled my credit report and found 3 different accounts. I called Affirm gave them my legal name on my drivers licenses, The last 4 of my social security number, my cell phone number and my DOB. 
Affirm can not verify my information, Even when I provide Affirm with the 3 account numbers the send me to my email address asking for me to make payment Affirm on the phone says they dont have a account with the information i give. I have summitted a Notarized Affidavit, A Fraud Police Report and a Federal Trade Commission report along with emails to the FTC. Affirm has this all. Affirm refused to correct my credit report which they say i was late XX/XX/2022. Affirm will not provide me by email I opened this account. 
Affirm Emails me every day demanding payment on 3 loans they cant provide me information i have. when i call there Auto service line enter my cell number then enter the Verifcation code they txt me. Affirm says i have no accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Inquiries : 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

have been writing letters to this company for m ore than two years. I 've made several request for this company to investigate, re-investigate, requested copie s of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even thou gh TWO YEARS has already passed. Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance : {$14.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FAILED TO REMOVE ALL HARD INQUIRIES FROM XXXX AS PROMISED. THE INQUIRY WAS INVALID BECAUSE OF FRAUD ALERT.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an error, I had 60 days late notice on an account that was paid on time. Consumer reporting agencies Need to report all information with complete accuracy. this account has not been late. Ive attached a copy of my report to this complaint. XXXX I am now requesting you investigate and provide Verifiable proof And records showing that I had late payments. If they can not verify, I was late I demand. These payments be updated. And paid on time immediately thank you For your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chime is not Reporting my Credit Limit, Credit Limit is {$4400.00}, Chime is Reporting XXXX as my Credit Limit for which isnt True
Product: Mortgage

Date : XX/XX/XXXX To : Specialized Loan Servicing LLC XXXX. XXXX  XXXX XXXX, CO XXXX From : Confirmed Successor in Interest Re : Error Resolution Notice under 12 C.F.R. 1024.35, 12 CFR 1024.38 ( b ) ( 1 ) ( vi ) ( B ), 12 CFR 1024.32 ( c ), 12 CFR 1024.34, 12 CFR 1024.17 Mortgage Loan Number : XXXX   I am writing to request a correction of the error described below in regard to the mortgage on my property. On XX/XX/XXXX, I paid off this debt. 

Surplus Escrow Payment Errors : Your company incorrectly paid/handled the surplus escrow payment. The check was incorrectly addressed. The check or the payment of surplus escrow funds was sent on XX/XX/XXXX. 
The check was written payable to : " The Estate '' The check should have been made payable to : the Confirmed successor in interest. 

The XXXX Servicing Rule establishes definitions of successor in interest and confirmed successors in interest, and provides that the latter are considered borrowers for the purposes of Regulation Xs mortgage servicing provisions. 
Confirmed successor in interest means a successor in interest once a servicer has confirmed the successor in interest 's identity and ownership interest in a property that secures a mortgage loan subject to Subpart C of Regulation X. 

Note : As of XX/XX/XXXX, a servicer must treat a confirmed successor in interest, as defined in 12 CFR 1024.31, as a borrower for purposes of 12 CFR 1024.17. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX Account name : 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: Vehicle loan or lease

RE : Nissan Consumer Affairs ( LEMON LAW ) Case # XXXX VIN # XXXX On XX/XX/XXXX, I contacted Nissan Consumer Affairs because Engine Light came on four different times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) after being serviced by Nissan Dealership, on my new XXXX XXXX XXXX. I contacted Nissan Consumer Affairs and initiated a complaint of Lemon Law due to defects of the vehicle. I requested for Nissan to return the vehicle back into their possession. Nissan assigned my case to XXXX XXXX, Abritration Specialist 1, Dispute Resolution, Phone # XXXX, Fax # XXXX. 

XXXX XXXX, XXXX, the vehicle was taken back to Nissan for an inspection ordered by XXXX. However, XXXX failed to follow up on the next steps regarding this case. I called XXXX and left voice messages numerous of times and emails. There were several emails sent internally by Nissan Consumer Affairs asking her to contact me. On XX/XX/XXXX, I received an email from XXXX stating " I will call you tomorrow ''. I did not receive a call from her at all. On XX/XX/XXXX, I called and email XXXX regarding the status of this claim and she hasn't returned the call. 
XXXX stated due to inconvenience of the vehicle was being serviced by Nissan Dealership for more than one week and two other previous time that the vehicle was being serviced that I would be compensated. I am still waiting on the compensation.
Product: Credit reporting or other personal consumer reports

On r about XX/XX/year> I went to XXXX XXXX XXXX to purchase a vehicle while waiting I noticed my credit had been used by santander to run my credit an this wasnt the only time they ran my credit information without my consent I happened on XX/XX/year> an I have a active fraud alert on all three credit reporting agencies.. with pacific instructions that I should be called if any credit is to extended too me.. an I never received one call so there inquiry was unauthorized an each other financial lender had no authority to run my credit .. they violated my consumer rights an the fair credit reporting act .. an I would like to b compensated for each inquiry the some of XXXX $ an would like all hard inquiries removed..
Product: Vehicle loan or lease

On XX/XX/2021 i applied for credit in which i was denied for the amount of {$12000.00} and received an adverse action letter from Ally Bank. Pursuant to 12 CFR 1002 regulation b, it protects applicants from discrimination in any aspect of a credit transaction. Ally Bank has discriminated against me and discouraged me to extend credit. Also pursuant to 15 USC 1681a ( k ) ( 1 ), it was never mentioned a denial for credit. Ally Bank has violated my federally protected consumer rights and has caused emotional and mental stress after reading the adverse action form sent to my home, showing they are willingly and knowingly taking action in false and misleading practices. Such violations holds Ally Bank criminally and civilly liabel. Attached to this complaint is the adverse action form from Ally. There is no third party involved in this complaint, i XXXX XXXX give authorization for the CFPB and Ally Bank to move forward with this complaint.
Product: Credit reporting or other personal consumer reports

XXXX confirmed in communication with me that account notes show I had requested a forbearance before missing any payments, but XXXX reported my account 90 days past due, strictly for XXXX of 2018. 

After noticing the hit to my credit, I contacted the company and they corrected their internal system, but have failed to correct my credit report. 

I have repeatedly reached out to XXXX, TransUnion, and XXXX to request correction, but XXXX has failed to confirm the correction, maintaining a false hit on my credit and negatively impacting several major purchases. 

Please investigate all parties for responsibility and corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Carrington Mortgage Acct # 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. 

Account was in forbearance while it was being restructured was never late and now everything is up to date please assit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}