23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to seek your assistance in enforcing my legal rights and addressing multiple credit reporting violations that have profoundly impacted my life. The violations in question involve various creditors and accounts, and the details of these violations are deeply distressing. I believe that these creditors have unlawfully reported inaccurate and unverified information on my credit report, which has had severe consequences for my financial well-being and overall quality of life. 

These violations not only caused immense stress and XXXX  but also hindered my ability to secure housing, obtain reasonable interest rates on loans, and access financial opportunities that would have otherwise been available to me. The emotional toll of this situation has been overwhelming, and I am left feeling helpless and unfairly burdened by these inaccuracies on my credit report. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate and enforce my legal rights. Specifically, I urge you to engage with the relevant creditors listed below and request the removal of these unverified accounts from my credit report : XXXX ( Account number : XXXX ) Potential Violation : Inaccurate Reporting under FCRA XXXX XXXX Federal ( Account number : XXXX ) Potential Violation XXXX Inaccurate Reporting under FCRA XXXX XXXX XXXX ( Account number XXXX XXXX ) Potential Violation : Inaccurate Reporting under FCRA XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX ) Potential Violation : Inaccurate Reporting under FCRA XXXX XXXX XXXX  XXXX ( Account XXXX : XXXX ) Potential Violation : Inaccurate Reporting under FCRA XXXX XXXX XXXX Bankruptcy Court XXXX Account number : XXXX ) Potential Violation : Inaccurate Reporting under FCRA XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Account number : N/A XXXX Potential Violation : Inaccurate Reporting under FCRA XXXX XXXX XXXX XXXXXXXX XXXX  AZ XXXX ( Account XXXX XXXX XXXX ) Potential Violation XXXX Inaccurate Reporting under FCRA Section 1681e XXXX XXXX | XX/XX/XXXX ( Account number XXXX XXXX ) Potential Violation XXXX Inaccurate Reporting under FCRA Section 1681e These creditors have not only violated my rights but have also caused immeasurable harm to my well-being. I implore the Consumer Financial Protection Bureau to hold them accountable for their actions and ensure the immediate rectification of these credit reporting violations. 

I genuinely appreciate your attention to this matter and your commitment to safeguarding consumers ' rights. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or documentation to assist with your investigation. 

Thank you for your time and assistance in addressing this pressing issue. I look forward to a resolution that will help alleviate the burdens I have endured due to these credit reporting violations. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I paid off my car loan via bill pay with my bank, XXXX XXXX XXXX XXXX. Instead of releasing the title to me it was released to XXXX XXXX. Remember, bill pay checks are from the account holder, NOT the bank or financial institution. I was in the process of negotiating a new car purchase but could not continue without the title. I spent over {$100.00} to get the duplicate title from Nevada DMV. I have requested reimbursement from Exeter because it was their error. It took Exeter a month to provide me my title and in the mean time I has gotten the duplicate from the Nevada DMV making Exeter 's copy moot. 

Today, Exeter 's response was, " After further review, Exeters records indicate you were advised that once the title was received from XXXX XXXX XXXX, we would send the title to you and pay for the XXXX XXXX  overnight to expedite the delivery. 

Therefore, we will not reimburse you for any additional cost that you incurred for requesting a duplicate title. '' The quality of customer service and knowledge of consumer banking is far below the standards a major finance company should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXXXX/XX/2023
Product: Debt collection

Random collections added to my credit report of services i never received with bills not belonging to me. I never received any prior information about any of these things before they popped up on my credit as collection items.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few months I have been disputing inaccuracies on my credit report. The asset amount XXXX, Equifax and XXXX is reporting on the bankruptcy on my credit profile does not match any public records. No proper investigation was done into this matter because this information continues to report inaccurately. They are also reporting the wrong liability amount.
Product: Mortgage

In order to make our next mortgage payment on XXXX/XXXX/16 ... .. 
we need to get a 'hardship loan ' from my wife 's corporate XXXX account. 
Management of the XXXX account have agreed our emergency 'hardship loan ' can be paid immediately supporting documentation is received from our mortgage company, which is Wells Fargo Mortgage.The XXXX management tells us " XXXX rules require some kind of statement that if payment is not received by such and such date foreclosure proceedings will begin. 
Can be a simple letter in company letterhead from a loan officer, but need that to release funds. '' We will be in foreclosure if we do not make the payment on XXXX XXXX, but the only people stopping us from making the payment on time is Wells Fargo. Despite asking them on the phone for written confirmation, as required above, and holding for conversations with XXXX departments, they all refused to send us the required notice which represents the true state of the loan. 
So Wells will not cooperate to send us a timely notice to enable us to pay the mortgage, and will then claim we did not pay the mortgage and try to foreclose and take our home. 
This is unfair at best, entrapment if this is not immediately taken care by overnight mail to our home of XXXX years.At XXXX years old and after very serious illness, we expect better from Wells Fargo bank.
Product: Mortgage

BAYVIEW Loan Servicing LLC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX FL XXXX. On XXXX XX/XX/2020 we received a letter that we applied for a " forbearance plan '' due to COVD. We never applied for this program. The letter dated XXXX XX/XX/2020, stipulates that we were required to contact the loan servicing company by XXXX XX/XX/2020. Which is more than strange, we believe what BAYVIEW has done is illegal. BAYVIEW is the new mortgage company that XXXX XXXX   transferred the servicing of our mortgage to after filing for Chapter XXXX bankruptcy earlier this year. Yes, We were behind but have since then caught up with our monthly mortgage payments. We contacted BAYVIEW customer service and were advised to ignore this letter, regardless, we NEVER requested to be placed on the forbearance plan due to COVD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX XXXXt # - I C system # Has violated my right. 
15 u.s.c 1681 section 602 A. States I have right to privacy.

15 u.s.c 1681 section 604 A section 2 : it's also state a consumer reporting agency can not furnish account with out my written instructions.
Product: Debt collection

Convergent Outsourcing has placed a debt on my credit reports on behalf of XXXX. I have never signed an agreement with Convergent Outsourcing stating that I would paid a debt to them on behalf of XXXX. I have not agreed to pay XXXX for any of their services or opening an account in my name. For I do not recall coming into agreement with Convergent Outsourcing or XXXX for any account or services. 

It appears the amount owed for this debt that does not belong to me is {$750.00} with a partial account number XXXX reporting on the credit bureaus. 

At this time it is my legal request to have both Convergent Outsourcing and XXXX to dismiss and close out this debt and remove it from all 3 credit bureaus and their database.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( please remove these accounts before I seek litigation for the defamation of character ) XXXX XXXX XXXX  Balance {$15000.00}, XXXX XXXX balance {$700.00}, XXXX XXXX XXXX {$1300.00}.
Product: Debt collection

I am writing to address a recent matter concerning a debt allegedly owed, as filed by Midland Credit Management. I was surprised to learn about this debt, as I have no knowledge of it and have not been previously contacted regarding the matter. 
Upon reviewing the information provided, I understand that a court date has been set for XXXX. Before proceeding further, I kindly request that Midland Credit Management furnish me with the necessary details to verify this debt. Specifically, I would appreciate a detailed breakdown of the debt, including the original creditor, the account number, and any supporting documentation. 
It is my intention to resolve this matter amicably and ensure that any misunderstandings are promptly addressed I firmly believe that a resolution can be reached once the necessary information is made available to me. I seek to dismiss this Case
Product: Money transfer, virtual currency, or money service

I began a coinbase one free trial on XX/XX/XXXX for XXXX. The terms stated - You have agreed to our terms and have authorized a monthly {$29.00} charge to any stored payment method, cash balance, or crypto balances from XX/XX/year> ( the trial end ) until canceled. 

I made sure backup method was turned off, and that there was no stored payment method for this subscription. So much so, that the coinbase one page said " '' No payment method selected To keep subscriber benefits, select a new payment method by XX/XX/year>. '' I contacted them literally XXXX hour past XXXX EST, which was when they charged me. No services got used, they cancelled it, and are now refusing to refund me on a terrible basis. 

I would have been glad to cancel it on my own, but the serviced should had lapsed with no charge, especially with the page saying " no payment method selected ''. Per the terms of their own email I made sure there was no stored payment method for this subscription. I even went into the subscription page and turned off backup payment method. 

They still charged my debit card anyway. They refuse to give me a refund. I find their refusal and practices intentionally misleading and malicious. I will be initiating a bank dispute as well.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Prepaid card

On Tuesday XX/XX/year> I used the atm to withdrawl XXXX dollars from the corner bastions atm with my cash app card. The machine had only dispensed XXXX. I said something and the attendant said he could r do anything about it to contact cash app and then your agency if cash app dont work. I submitted my claim to cash app and they dented it instantly and refused to give me a credit. So here I am now hoping you will do something about it
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations.

Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 

Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 

In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 

Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

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

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit card

I usually take advantage of 0 % offers provided to me by multiple cards I own/have. Briefly, these offers provide 0 % interest for a fixed period ( 1 to 3 years ) for a small transaction fee ( 1 % to 3 % ), at which time the banks usually allow me to roll over the balances forward, if desired, for another small fee, by providing balance transfer offers/access checks etc. As a result, at certain times, I carry more than one 0 % promotional balance on the same card. I usually make payments in excess of the minimum, which are applied toward the balances expiring first, as banks understand that I paid a nominal fee to roll the balances forward. Payments are supposed to be applied to the balances with the highest APR ; and balances expiring first, even though at 0 % presently, would have the highest APR over the same period going forward, so payments are applied to balances expiring first, as per the credit card act. 
I have a 0 % promotional balance ( with a 3 % transaction fee ), as explained above, that was initiated a long time ago, that is expiring this year ( XXXX ) on the " XXXX '' issued by " Barclays Bank Plc ''. This card has a XXXX $ credit line, out of which XXXX $ ( about two-thirds ) is still outstanding, and the rest was paid over this period. This card recently sent me access checks and emails allowing me to transfer balances into my checking account by offering a 0 % promotion till XXXX for a 1 % transaction fee. I accepted the offer by transferring XXXX $ for a XXXX $ fee, and immediately made a big payment back to the bank ( approx {$2200.00} ) in order to pay off the promotional balance expiring this year, so as to avoid interest. My payment should have been applied to the balance expiring first, i.e. to the {$4600.00} outstanding expiring in XXXX. Instead, the bank is saying it has the authority to decide how payments will be applied, as all balances are at the 0 % rate, even though I paid a fee to the bank for essentially rolling the balance forward. 
I have made similar transactions with other big banks such as XXXX and XXXX XXXX, but Barclays is trying to cheat me by trying to charge me frivolous transaction fees to transfer balances, and still not applying the payment to the expiring balance after payment was made to them. Also, Barclays Bank is taking advantage of consumers like me, by giving me a 0 % promotional rate, albeit for a fee, and not applying payments correctly, in order to extort interest out of me at an exorbitant rate ( over 20 % ), even though I paid the transaction fees and made payments in excess of the minimum.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters and tried to rectify everything with you Financial institution I have asked them for they were confirming these were in fact my inquiries and I let them know that I had I didnt need that in the past two years and I had a lot of stuff that was not mine again I have asked them to remove these inquiries or show me proof in which they are unable to
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted ( online ) to get my annual credit report from Equifax a few months ago. I got an automated message that, for some ( to me unknown ) reason I could not get the report online and that I would have to send my request to a physical Equifax address with information and documents. 

I also found out that my record with Equifax was among millions stolen in breach of Equifax as previously reported. 

On XX/XX/2021, I sent a letter of request ( see attached copy with most identifying info deleted and without copy of accompanying documents ) to the following Equifax address ( with certificate of mailing ) : Equifax Disclosure Department, XXXX. XXXX XXXX, XXXX, GA XXXX. 

In that letter I asked for : 1 ) Annual credit report from Equifax ( only ) and 2 ) To be informed of exact information about my data that was stolen from Equifax. 

More than 2 months laater, I still have not heard from Equifax. 

Is that company still in existence or have they ceased to exist ( which would be most appropriate, given their terrible record )?
Product: Bank account or service

My complaint is regarding a late fee Bank of America ( BOA ) has fraudulently assessment on my account. I have spoken to an account representative and her manager about this issue today XXXX/XXXX/15 and was advised it assessed because my payment was processed at a certain time. For all I know the reference number for my complaint with them is XXXX, XXXX and XXXX. 

According to my monthly statements Late Payment Warning, if they do not receive my Total Minimum Payment by the due date ( XXXX/XXXX/15 ) then a late fee will be assessed. Nowhere on my statements does it reflects that a payment must be made by a certain time. Therefore, on XXXX/XXXX/15, I made two payments, one with a representative due to their online issues and another on the website after It was determined that the issues were only with their acceptance of new banking information I attempted to add. 
For me, this is a simple fix as I have been with BOA for more than 10years but I guess this is something that 's not relevant to them. As I stated, they did not disclose a time on my statement and I 've made the payment according to the information I get from them. To remove myself as their victim, I 've paid off this account except for the erroneous fee of {$25.00} and have also paid off my fianc 's account off which had my name on it. At this time, it 's up to BOA to finalize the closure of my account because I will not pay this fee as I 've complied with their due date not due hour. 
I am requesting confirmation in writing indicating the closure of all my accounts with them. ( I am sure they have my social and know all accounts is associated with that social. ) If they find an account with my social, then I would like to be notified so I can also pay that off and get away from this bank completely. For all I know, I only had the XXXX accounts in which are paid off as of today. 
Please note that I do not care about their logic as I can only imagine how many people they 've done this to and have gotten away with it. All I want is that they correct their issue with this late fee and let 's go our separate ways.
Product: Credit reporting

Ive initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. thank you for helping