23daVinci/CFPB_Complaints huggingface dataset:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX. 

The following personal information is incorrect. 

XXXX XXXX.
Product: Mortgage

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Loan XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dear Rocket Mortgage Executive Office, I am writing to request immediate financial assistance due to the significant economic hardship I am currently facing as a result of a recent XXXX. For several years, I have been managing a debilitating XXXX  XXXX  while depending on a fixed income. This situation has forced me to take multiple medical  leaves and has resulted in considerable medical expenses, which have nearly depleted my savings. While I do receive XXXX benefits, the persistent delays in their issuance have led to the accumulation of late fees on my financial obligations. This situation has persisted for over a year and has severely impacted my ability to make timely payments. Despite my repeated attempts to adjust my payment due date with both your organization and the XXXX office, my requests have been denied. I am dedicated to my financial responsibilities and intend to return to work as soon as my health allows. However, my current medical condition restricts my ability to work, placing me at serious risk of losing both my residence and access to essential services. Therefore, I expect a prompt response regarding my recovery timeline and my ability to resume work. My payment history illustrates my reliability as a customer, as I have consistently met my obligations in the past. With the recent increase in my spouses work hours, I am now in a position to ensure all future payments will be made punctually. I wish to avoid filing a formal complaint with the CFPB or XXXX  ; however, I will take that route if necessary. I am requesting a full refund of the following late fees : - XX/XX/year> : {$100.00} - XX/XX/year> : {$100.00} - XX/XX/year> : {$200.00} - XX/XX/year> : {$100.00} - XX/XX/year> : {$200.00} - XX/XX/year> : {$100.00} - XX/XX/year> : {$100.00} - XX/XX/year> : {$100.00} - XX/XX/year> : {$100.00} - XX/XX/year> : {$100.00} I expect your immediate attention to this matter and look forward to a timely response. I can be best reached by email, as I just had XXXX and can not converse on the phone. Below is my contact information : Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX View full complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX, XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit card or prepaid card

Fraudulent and Deceptive promotion of XXXX ' interest charged massive fees. 

Barclays AAdvantage Aviator - ( account ending XXXX ) I used courtesy checks with a promotional offer to have no fees or interest until XX/XX/XXXX. 

I was charged MASSIVE FEES- there was a 5 % processing fee AND they are charging interest at a variable rate that the first month was 27.99 %. 
an absolute fraud, deceptive and criminal. 

THE EXPLANATION I HAVE RECEIVED FROM THE COMPANY IS : " Upon reviewing your account. The check that you used had to be used by XX/XX/XXXX. Unfortunately, the offer had expired. '' HOW CAN THEY PROCESS A PROMOTIONAL OFFER THAT IS EXPIRED AND CHARGE FEES. IT OBVIOUSLY WAS NOT EXPIRED. 
IT IS WILDLY DECEPTIVE TO HAVE THE PROMOTIONAL CHECKS WORK AFTER THE PROMOTION IS EXPIRED. 
I NEVER WOULD HAVE USED THE CHECKS IF I KNEW THEY WERE EXPIRED. 
THEY NEVER SHOULD HAVE PROCESSED EXPIRED PROMOTIONS SO THAT THEY CAN EXTORT AND TAKE OUTRAGEOUS FEES
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email : XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Collection Accounts Due to Violations of Federal Law To Whom It May Concern, I am writing to formally request the immediate removal of a collection account from my credit report due to multiple violations of federal law by the [ Collection Agency Name ]. The collection agency has engaged in deceptive, misleading, and unlawful practices that have directly impacted my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Violations Committed by the Collection Agency : 1. Failure to Provide Required Disclosures ( 12 CFR 1006.34 ( b ) ( 5 ) & 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) The collection agency failed to provide the legally required disclosures in their initial communication, including a clear and complete validation notice as mandated by the FDCPA.

The lack of these disclosures deprived me of my right to dispute the debt properly, making their reporting to consumer credit agencies invalid.

2. Use of False, Misleading, or Deceptive Means ( 12 CFR 1006.34 ( d ) ) The collection agency used false and misleading tactics in their communication with me, violating the FDCPAs prohibitions on deceptive collection practices.

These actions have caused undue harm to my financial standing and misrepresented the nature and legitimacy of the debt.

3. Unauthorized Reporting to Consumer Reporting Agencies ( 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) The collection agency lacks the legal authority to furnish my account to consumer reporting agencies without first fulfilling the disclosure and validation requirements established by law.

Since they failed to provide the required notice and validation, their reporting is unlawful and must be removed.

Given these clear violations, I am requesting that the Consumer Financial Protection Bureau intervene to ensure the immediate removal of this collection account from my credit report. Additionally, I request that the CFPB investigate the collection agencys compliance with federal law to prevent further violations against other consumers. Also, please review complaints lodged against them from other consumers for the same devious practices as noted on consumer review boards and the BBB.

Please confirm receipt of this complaint and inform me of the next steps regarding the resolution of this matter. Thank you for your time and attention to this serious issue. 

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

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was having financial problems during covid, my mortgage fell behind several payments. I was informed by my mortgage company that they could help with a loan modification. I was told they would place the my late payments behind the remaining payments for a 30 years fixed loan. However, I recently learned that my mortgage was a 40 year loan, not a 30 year loan that I was lead to believe. Rocket Mortgage sold the loan to XXXX XXXX. The new mortgage documents states dates, not 30 or 40 years at the duration of the loans. I feel as though I was tricked into the longe term loan and them they sold the loan to cover up the scam.
Product: Credit reporting or other personal consumer reports

Information that does not belong to me has been reported by Lexis Nexis data furnishing company. Please see attached copy of my Lexis Nexis report dated XX/XX/2024 pages XXXX to XXXX showing the false information on my report such as wrong name and wrong addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts and incorrect personal information below was posted to my consumer credit report inaccurately and without my consent. My federally protected consumer rights to privacy and confidentiality under 15 USC 1681 has been violated. 

Accounts XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX - Acct # XXXX Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX As you can see there are multiple inaccuracies that was posted on my consumer report. 
15 U.S.C. 1681 section 602 A. States that I have the right to privacy. My privacy has been breached.

15 U.S.C 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish a account without my written permission. I did not give any written permission for these agencies to furnish these account on my consumer report.

15 U.S.C 1681 Information excluded from consumer reports : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) 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 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.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

15 U.S.C 1681 ( 2 ) EXCLUSIONS : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have been severely affected financially by the information listed above which are all incorrect. To satisfy this harm that has been done to me, I am requesting a deletion of all the accounts and personal information listed above immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter to early warning whos reporting a XXXX ACCOUNT on my report not Allowing me to opening a checking account due to false information. They responded they were not able to access the account or send me such proof on how they validated this account belong to me .isnt this illegal to be reporting an account YOU ( early warning XXXX XXXX ) dont have access to??? I recently contact XXXX for validation as well and they were unable to confirm this account belong to me as well. STILL MY EARLY WARNING CONSUMERS REPORT SHOWS THIS INVALID ACCOUNT. PLEASE HELP attached document will be attached of proof that early warning couldnt send me validation or set signature of what I requested for validation. 

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, XXXXnaccurate.18 If the person does not specify such an address, the FCRA prohibits the person from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.19 The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.20
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. "
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to Transunion. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

. FCRA 605B mandates the elimination of erroneous entries from my credit record. Could you kindly review the paperwork? Several entries therein are erroneous in terms of their reporting. Compensation of {$1000.00} per inaccurately reported item on my credit dossier is due.
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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Debt collection

I received a letter from Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX, and phone number is XXXX. I called Credit Collection Services spoke to a female rep advise her that I was calling because I received a letter stating I owe XXXX. I advised the female rep that I didn't owe XXXX and I was disputing the validity of the debt. The XXXX  rep went on to ask me a line of questions and I told her that I'm disputing the validity of the debt. The female rep continued to asked me her line of questioned and I continued to advised the XXXX rep that I was disputing the validity of the debt. The XXXX  rep changed her line of questions to scare tactics, now the XXXX  rep is telling me that my credit will get report negatively. I still remain steadfast in disputing the validity of the debt. The XXXX  rep ask me what do I want her to do? I advised her, I'm disputing the validity of the debt. The female rep comes back with more questions, but this time she's more aggressive and I'm still disputing the validity of the debt. I don't like to feel harassed, bulled, and manipulated for someones selfish gain at the expense of my health, mental stability, and anxiety.
Product: Checking or savings account

I found my account is on Capital one. I send an affidavit and Identification. Their contact is XXXX. I also received an invoice from XXXX. Their contact is XXXX. I Spoke with a gentleman named XXXX he verify this was a corporate account. My father left me a personal checking account. With my identity been compromised at work I am certain Supervisor XXXX is responsible for the fraudulent acts. I recently called the Postal Inspectors to report threats. Since I have been reporting it I been suffering retaliation acts against my person.
Product: Credit card

I was charged over XXXX in fees for a purchase that I had no idea about.While looking over my account, I noticed the fees had been added to my account on XXXX XXXX and I immediately called on XXXX XXXX to try and get this matter resolved ( fees waived ) .I asked the representative if anything could be done to help me resolve this issue and she stated yes, I would need to speak with a manager. Once transferred to a manager I was told nothing could be done.I was treated very rudely and unprofessional. These additional fees that they run up on people are ridiculous.I feel as though this is predatory lending. Please contact me for additional info.
Product: Credit card or prepaid card

Two banks XXXX and Bank of America are now saying they will stop doing business and extending credit with business and maybe in the future people who are involved in the gun industry and rights.

These activities are legal under law and the banks are using their power to dictate what happens in the US shutting out business and people who they disagree with then controlling the public. 

This tactic in the future could be used against anything they disagree with or want to control or sway in the country. 

This situation sounds highly worrisome.