23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2016 I attempted to obtain services with XXXX for home internet. I was told someone would be out in 4 days to install the internet, and I received my router in the mail. XXXX canceled the tech coming out because someone who lived here before had their services all I had to do was plug in the router and follow instructions as I did and it never worked. When I called back it was going to be another 2 weeks to have someone come out and at that point I canceled the account. I was sent the labels to send everything back, I sent it all back Via XXXX. Over the last 5 months I have received bills and collection calls and letters from them. I spoke with a rep in the Financial services department in XX/XX/<YYYY>, she said it had been received but not processed and it may take another moth or so ago. I started to receive more and more calls from their collection agency and bills so on XXXX XXXX I contacted them via XXXX hoping to resolve this once and for all. I was told by the Financial services department my account had been credited and the treadline on my Credit report would be removed with in 48 hours. it is now XX/XX/2016, and I received a letter from a second collection agency Diversified Consultants Inc to collect on the balance that was to be credited XX/XX/XXXX. I reached out to XXXX again and now they are saying they can not locate my account. I am so tired of being Harassed and given false and misleading information. My next step after turning them over to you is to contact an attorney.
Product: Credit card or prepaid card

XXXX XXXX XXXX  reported 3 charges, to Capital One that weren't mine, total amount {$41.00}. Two letters dated XXXX XXXX sent by Capital One to me stating matter resolved and new replacement card sent with new account information. New card never sent, on or about XXXX XXXX company requested copy of my driver 's license faxed to them, I immediately did this. Company called back copy not clear. Since this time I have mailed XXXX hard copies of license ( USPS ) ; faxed at least 5 copies to them from different machines, all copies not clear ; and sent 3 copies to a secure website company provided. None of these copies clear. I have sent email to company CEO asking help in getting my new card, no reply. Don't understand how all copies are not good. I still receive monthly statements showing no balance and no activity, the Company will soon close my account because of this, I very much want and need this account. I have an excellent credit rating and 100 percent pay on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has broken several laws according to the FCRA. I have sent them letters ( certified ) with no response, even though I have proof of the letters being received by TransUnion. When I contact them, they say they do not have my FTC report or any of my correspondence on file, they constantly tell me to resend letters that they are clearly deleting from their system. I have proof of the letters I sent along with the certified mail receipt showing that they have received the letters with no response to me from TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft since XX/XX/XXXX. I have supplied Experian with multiple FTC reports, three different state police reports and have failed to blocked the fraudulent information from my report per FCRA 605B ( 15 U.S.C. 1681c-2 ) subsection a. I have continuously received emails stating they have opened a dispute which is NOT what I requested all the calls and emails with uploaded documents supports that I requested a BLOCK not a dispute process to be initiated. In addition to the emails they are sending me it's stating that haven't received documents that on the call on XX/XX/XXXX the agent in the fraud department by the name of XXXX confirmed that they in fact had received. XXXX Police department stated that an incident report is the same as a police report in their jurisdiction which I uploaded multiple times and mailed certified along with the FTC report. Experian is violating my rights that are clearly stated in the FCRA. Them opening a dispute that allows them 30 days even though I've supplied ALL documents according to FCRA state are grounds for blocking the effects of identity theft and continuously requested for it to blocked that gives them 4 business days have been ignored and they are NOT being held liable for their contribution of the mental, emotional, and financial abuse this is causing me for the past 11 years.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, There are inquiries on my XXXX credit reports that I didnt authorize!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REASON TO BELIEVE I'VE BEEN A VICTIM OF IDENTITY THEFT AGAIN AND THE CREDIT BUREAUS ARE NOT HELPING ME.
Product: Mortgage

They are saying I'm XXXX behind on payments. I use to pay XXXX a month and now my payments went up to XXXX. I recently had to hire an attorney to help me get in contact with someone from the company, because they refuse to call back or answer letters. I told them I can only afford XXXX a month if they made it go up told me it wouldn't be a problem. Here it is 5 months later, and now on my credit report they say I haven't paid but take my XXXX $ check every month! I just want to resolve the problem, and get this fixed my credit is the only thing hurting!
Product: Checking or savings account

On Wednesday, XX/XX/2022, I discovered that my Bank ( BMO Harris ) had cashed a check against my account in the amount of {$5100.00} on XX/XX/2022 which was payable to XXXX XXXX. I had written the said check ( # XXXX ) on XX/XX/2022 for the amount of {$20.00} payable to XXXX XXXX XXXX  XXXX XXXX XXXX. In looking at the copy of the cancelled check it was obvious to see that all the details had been altered, date, payee, amount, and my signature. I was told that I needed to file a police report ( because of the amount of the fraud ) and that the bank could not begin an investigation until they had the report. I filed the report and the bank received a copy of that report on Friday, XX/XX/XXXX. I was told that an investigation would take between 30-45 working days and that " day one '' began when I reported the fraud which was XX/XX/XXXX ) Further communication with the bank manager has been poor. I feel there has been limited communication and I only learn things when I call them. When I talked to the branch manager on XX/XX/XXXX, that I anticipated my money being returned on XX/XX/XXXX ( 45 working days from initial complaint ) ; I was told the following, " she misspoke about the 45 days and that the fraud department would now need 60 to 180 days to determine the outcome of my fraud investigation. '' I expressed my displeasure at hearing this news and asked why the bank continued to move the goalpost on returning my money. I was told that it had to do with the amount of the fraud. I called the main BMO bank in XXXX and repeated the details of my story to their customer service department. I was told that my conversation would be shared and listened to and that my situation would be rectified. Needless to say nothing has been done. I am still waiting for the money ( {$5100.00} ) to be returned to my account. I am tired of waiting and I hope by filing this report that something can be done to return my funds to my account immediately.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had an account with XXXX XXXX and after the account was cancelled they sent it over to I.C Systems. Which I then made payment directly to XXXX for the past due amount of {$240.00} on XX/XX/2021 to keep the bill from reflecting on my credit report. Which XXXX did not send that over once I paid. The collection company told me it was my responsibility to make sure they were notified that the bill was paid. But they sent an electronic request to XXXX for this matter. When they reached out to XXXX they contacted the wrong department for this account information. 
So when I received a letter stating that the bill still had not been paid, I reached out and they informed me that if was job to make sure they got information again. Which I called XXXX and after getting to the right department they said no I paid this account back on XX/XX/2021 and sent it over. But XXXX did not send the court date, and I C Systems are still telling me it's not their jobs to verify the correct information, and that I will need to wait for it to be removed my credit report or trying disputes with the credit bureaus. Which I do not feel that it is my job to go through all these hurdles when the company could make a few phone calls to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the following unauthorized hard inquiries deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting or other personal consumer reports

These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Experian- XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.
Product: Credit reporting or other personal consumer reports

Viewed the credit report and it shows that the XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX am confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX am confirmation number XXXX. Called XXXX and spoke to a supervisor at XXXX XXXX, he verified that the payments were made correctly and documentation would be made on the account. A total of {$510.00} was made for the month of XXXX. They fixed the problem and reported it current and when I checked it today they changed it back 30 days late when it was not 30 days late. If this error does not get fixed I will get my lawyer involved. On XX/XX/XXXX, it showed correctly on my credit report now in XX/XX/XXXX its showing incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found some discrepancies on my report I did no authorize. One account that is showing different amounts for each bureau and at least 4 inquiries.
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX, XXXX XXXX XXXX : # XXXX  XXXX, XXXX XXXX  : # XXXX  XXXX, XXXX XXXX XXXX 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Dispute of Fraudulent Account - XXXX XXXX  Account Number : XXXX CFPB Case # : XXXX Dear Experian, I am writing to formally dispute the fraudulent account reported under my name with account number XXXX, listed as WebBank/Fingerhut Fresh. Despite previous notifications and the supporting documentation I have provided, including a letter from XXXX XXXX XXXX XXXX confirming that the current owner of the account, XXXX XXXX XXXX, has closed the account due to my fraud claim and will be submitting a request for deletion of this tradeline from the credit bureaus, this account remains on my credit report. 

This account is fraudulent, and under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information in my credit report that I believe is inaccurate or incomplete. According to California Civil Code 1785.1 et seq., the Consumer Credit Reporting Agencies are required to ensure the accuracy and integrity of the information they report. 

Additionally, the following laws apply : XXXX. California Civil Code 1785.25 ( a ) : Reporting inaccurate information is a violation of this law, as it requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in their reports. 
XXXX. California Civil Code 1785.16 : This law provides that a consumer has the right to dispute any information that is not accurate or complete and mandates that the credit reporting agency conduct a reasonable investigation of the disputed information. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : As a consumer, I have rights under this law that protect me from deceptive and unfair practices related to debt collection. 
XXXX. California Business and Professions Code XXXX : This law prohibits unlawful, unfair, or fraudulent business acts or practices, which includes the reporting of inaccurate information to credit bureaus. 

Given the compliance letter dated XX/XX/year>, which confirms the accounts closure and the request for deletion from your records, I ask that you take immediate action to remove this fraudulent account from my credit report. 

Please conduct your investigation in accordance with the above-stated laws, and if you require any additional documentation to facilitate the deletion of this account, do not hesitate to contact me. I appreciate your prompt attention to this serious matter. 

Thank you for your cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a XXXX XXXX XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

This company is violating both State of Arizona Laws and federal laws. For state of Arizona laws they are charging interest rates above the allowable state law. After speaking with a debt settlement company they advised me that Arizona caps small loan interest rates at 36 %, and that the interest on my loan far exceeds what is allowed under state statue XXXX XXXX. XXXX. XXXX. Which explicitly states that all the lenders wishing to operate in the state must adhere to 36 % APR small loan cap on loans less then {$3000.00}. After speaking with the state attorney General they confirmed this loan would fall under this statue. After advising the company of these they responded with the following : Our records indicate that on XX/XX/2021 you signed a consumer installment loan agreement with XXXX XXXX, which clearly discloses that the lending entity is XXXX XXXXt, a division of XXXX XXXX Bank, a Utah XXXX bank, located in XXXX, Utah, Member FDIC. Pursuant to the terms of the Loan Agreement with XXXX XXXX, you were funded a loan in the amount of {$1500.00} on XX/XX/2021. 
XXXX is a Utah state-chartered bank with the Federal Deposit Insurance Corporation as its primary federal banking regulator. Consequently, XXXX is governed by both federal banking laws and the laws of the State of Utah. Balance Credit is an authorized servicer of XXXX XXXX, a division of XXXX, retained to perform certain marketing functions for the benefit of XXXX XXXX. In signing the Loan Agreement, you expressly agreed that " You acknowledge and agree that this Agreement is subject solely to applicable Utah and Federal law. '' If the terms of the loan were not acceptable to you, the Loan Agreement provided for a recession period. However this set up is still illegal under federal law, the true lender rule repeal that happened in XX/XX/2021 made it clear that a bank can not be considered the true lender if the loan is managed by, sold to or sourced from a non-federally regulated financial institute. After the repeal, the instructions where clear. Lenders will no longer be able to get around consumer protection laws like interest rate caps just by putting a bank 's name on their paperwork. They are illegally trying to circumvent state of Arizona max cap rates, and their is laws that explicitly forbid their business model.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite all my efforts to have the accounts corrected and or updated, for I believe they are reporting erroneous information on my Credit File, the Credit Bureaus opted to ignore my written requests and not comply with the FCRA regulations. Upon reviewing my updated Credit Report, it is clear tha the Credit Burueas have done their best at nothin! I have read that the Credit Bureaus are required to verify the authenticity and valididy of the information that each account reports. The information reported are outdates, erroneous, and misleading. I am now submitting this complaint to protect my rights from the indefference of the Credit Bureaus. I need the following accounts corrected as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Mortgage

My mortgage was sold to Green Tree Services LLC/now Ditech in 2014. Since then my monthly mortgage payments that I make on a timely basis have not been applied correctly, they have been misappropriated into a " Funds In Suspense Balance account ''. Because the funds are not applied correctly, I receive multiple harassing phone calls from Ditech on a daily basis to bring my account current. When I speak to the representatives that call me, they scream, holler and belittle me. When I try to contact someone at Ditech ( each week they give you a new account manager and they have no idea who you talked to previously or what the problem is with your account so you have to start all over again and explain to them what the problem is ), you are put on hold for long periods of time, directed to someone 's voicemail who has no idea what is going on with your account, and disconnected. My account is current and paid up to date yet notices have been put on the door of my property from a company called XXXX XXXX XXXX XXXX that is contracted out by Ditech to check on " their property '' to make sure it is being maintained. No legitimate mortgage company takes these kind of actions to ensure that they get their monthly payments.
Product: Credit card

Credit card solicitation to MINORS by AIRLINEs thru their Frequent Flyer programs. 
I complained to XXXX and XXXX, but than had to file a complaint to CFPA, and now those have stopped ( I think? ), but other airlines are doing the same. They should verify the AGE, before making these postal mail attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct # XXXX Balance : {$10000.00} XXXX XXXX acct # : XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX Balance : {$8200.00} 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. 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 a 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: Checking or savings account

On XX/XX/year> I was suppose to receive my direct deposit and never did I didnt even know what was happening. I found out by XXXX that a third party system was down and Ill receive my hard working money the next day by the morning. I did not receive it and there is no updates.