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

Exercising in good faith a right under the Consumer Credit Protection Act, I called XXXX XXXX on XX/XX/21 to get clarity as to why my account was closed, and the dispute team, fraud department, and management could not give me a direct answer but only what may have been the reason. XXXX XXXX 's reasoning was that payments were coming back or that I was having trouble with them or I might be having some trouble with another financial institution as to why the account was permanently closed which is incorrect. Pursuant to 12 CFR 1026.13 ( d ) ( 3 ) You shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights, and this is exactly what XXXX XXXX did. I was simply exercising my right as a consumer/natural person concerning an alleged debt. I realized this was a consumer credit transaction pursuant to federal law 15 USC 1602, and I was only extending my credit to XXXX  XXXX. I should not have to pay on credit I extended as a natural person. 
Because of this XXXX XXXX closed out my account without any proof as to why. My score has dropped dramatically and I'm being denied the opportunity to buy a home because of it. My character, reputation, creditworthiness, and credit capacity is being tarnished.
Product: Credit reporting or other personal consumer reports

This is one of 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX  XXXX. Please remove this account ASAP.
Product: Credit reporting or other personal consumer reports

To XXXX EQUIFAX XXXX To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. XXXX # XXXX has verified the date and stated that they are reporting correctly that any inaccuracies would fall on fault to the 3 bureaus. I filed many disputes about this issue with no results. As it continues to cripple my financial obligations to other credit companies and violate my civil rights while we try to figure out who's at fault here. 
I received a notification that I had another late payment added to my report today. No charge off account should have late payments attached to it. It is late by default. And this is a very serious violation seeing this has went on so long. EQUIFAX has XXXX late payments attached to it. This is a deformation of my character and against several laws. Along with that each Credit Reporting agency is reporting a different balance as you will see in the attached photos and all have a different date of last activity. This account was verified and validated as being in compliance to the FCRA but how? 
This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you each remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and Metro 2 Reporting requirements. 
With Great Sincerity, XXXX XXXX
Product: Debt collection

Pursuant to employment relocation, I acquired a XXXX 's Membership. For employment reasons I moved from XXXX to XXXX. Once relocated, it was determined, my move relocated me XXXX XXXX from the gym I frequent, and unfortunately to my knowledge, the closest gym to me was XXXX XXXX away from my home. In attempts to resolve this issue, I contacted XXXX 's XXXX Customer Service and was told on several occasions the issue was resolve. I have requested several times for Aldous And Associates to resolve this issue, only to no avail. In addition, I am disputing the amount owed of {$480.00}, as the the original amount of the contract was only {$370.00}. If any additional funds was owed, I was not made privy to that dollar amount.
Product: Mortgage

Ditech took over as the servicer of my loan in XXXX 2016. When my first 2 payments were sent electronically to them they placed them in the wrong account. One payment was moved to my account but the other one has not been moved and it has been 6 months. I call every 2 weeks and speak to a representative or supervisor who says the payment will be reallocated to my account by the following week and it never does. I never get a call back from anyone who said they would call me back. I needed to have them remove my phone number from their system so their automated system would n't call me to tell me my payment was late. They also send me letters that say my account is late although it is not - it is showing as late in their system because my previous payment has not been moved into my account. This was an error in their system and as a consumer I should not have to wait over 6 months to have it resolved
Product: Money transfer, virtual currency, or money service

Was scammed by user acting as friend, I believe their account was stolen. Issued a scam report with Cashapp almost a month ago and over the course of many interactions with their chat support they outright refuse to offer any information about the issue mo matter how many times it is asked.
Product: Payday loan

I have no idea how I could owe this money. 
There is mortgage ( or apparently several ) on my house. I have made XXXX payments to my first mortgage and now owe more than I borrowed. I am certain that I have paid at least {$400000.00} more than I owed. 

I have tried everything. I have written dozens ( maybe 100 's ) .of complaints ; with ; CFPB, independent foreclosure review, attorney general, comptroller of cuttendy HUD met with attorneys spent lirally weeks of 24 hour days on the phone with the now 7th services. 

Her are the details Purchased XX/XX/XXXX Price {$280000.00}. 
Down payment XXXX Loan amount {$210000.00} at 7 % Refinanced XX/XX/XXXX {$220000.00} ( escrow shortage ) 6.5 % Same lender- Fleet Problems : double statements late fees ... 

Refinanced XX/XX/XXXX to payoff {$38000.00} second at 8.5 % and a balloon paid to approximately {$21000.00}. ( XXXX interest statement {$1700.00} ) reduched to 6.125 Countrywide reduced to 5.875 XX/XX/XXXX Refinanced XX/XX/XXXX -again problems latennotice and not late Bank of America Again XX/XX/XXXX interest only. {$260000.00} 4.3 % XXXX Somebody owes me {$460000.00}. 

XXXX we do n't owe means {$200000.00} just DISAPPEARED. 
I want the CFPB to figure out where it is. And I want the full amount refunded directly to me. 

Bank of America offered me two loans in XXXX. 
{$420000.00} on my house and {$200000.00} on my duplex. 

I did not accept this offer. I did n't sign anything, nothing was refinanced AND I DIDNT GET ANY money! 

They owe ME {$620000.00}.
Product: Vehicle loan or lease

Good morning, Im writing this to bring light and hopefully some financial relief from what I believe is a companys gross incompetence or at worst a scam to take advantage of their customers.

The business in questio

n CPS ( Consumer Portfolio Services ). Let me give you the details. In 2015 I was unemployed and stayed in contact with CPS during that time. They seemed to be willing to work with me until I received new employment. I signed a Loan extension agreement pushing my missed payment to the back of the loan. 

In XX/XX/2015 I was hired. I sent a copy of my offer letter to CPS to let them know payment would soon restart. They asked me to send two payments to show good faith and to catch up with some of the back payments.

I sent 1 payment of {$500.00} on XX/XX/2015via their website using XXXX ( see attached ) I sent a 2nd payment of {$500.00} 2 weeks later on XX/XX/2015 via their website ( see attached ) Here is where things went crazy. 

In XX/XX/2015 my car was burglarized, some homeless people broke the back window along with other vehicles in the parking lot that night and stole my laptop bag that contained the laptop issued to me from my new employer.

I was asked to file a police report by my employer. While at the police station filing the report the car was towed away. Now I had just spent 90 mins with a police officer filing the report ; he mentioned nothing to me about there being any issues with my car that would have it towed.

My next thought was maybe there was some confusion at CPS maybe the department that handles repossessions was notified and should not have been. When I reached out to the tow company they told me that CPS had already picked up the car.

I reached out to the person Id been working with at CPS on XX/XX/XXXX XXXX XXXX a

sking what was going on and why they had the car. I was told to call and number and speak to a woman about the car. I
called the number and was told that I could have the car back for {$1800.00}. I told the women that day I dont have {$1800.00} It was at this point I assumed that CPS wanted the car back and that it was being repossessed even though I had done what they asked me to do.

2 years later CPS comes back to sue me saying that I stop making payments. At the time I had no proof to tell this story. It wasnt until I went back through all my emails and found my last payment receipts that prove that I was making payments before they repossessed that car.
Today they are garnishing my check for {$600.00} per month for a car they say I owe XXXX. 

Im not sure what anyone can do, but please help me. I really do believe that they are predatory and would do anything to get over on the consumer.
Product: Credit reporting or other personal consumer reports

Experian, I need to ensure MAXIMUM POSSIBLE ACCURACY on my credit reports. There are still inaccuracies on my credit report with this tradeline. Please download my dispute letter.
Product: Debt collection

this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the ****** you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC ****b ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC ****e ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC ****a ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC ****j. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC ****g , therefore you are not only using unfair and deceptive practices under the ***** which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She was notified by Kohl's/Cap One of a fraudulent account established with her information without her consent. An official dispute of this account was mailed to Kohl 's XX/XX/2018 ; as of this date Kohls has failed to reply to the status of this dispute which they are obligated under federal law to do.
Product: Mortgage

I applied with Bank of America for a home long on XX/XX/2024, I had submitted all the requested documents time and time again. 

During this process, I was led to believe that everything was going well, as I checked my portal and saw the documents requested was rec 'd, reviewed and completed by Bank of America. 

Myself and my realtor was in communication with my lender throughout this process regarding the loan. 

I had requested a loan of XXXX from Bank of America during this time. 

I felt at this point I was led to believe that I was ok and that my loan was approved, it had already be weeks to a month with no negative information regarding the loan. 

At the end of XXXX, a week or two into XXXX my realtor contacted my loan officer and we later found out that I was denied. 

This is not XX/XX/2024 and I have not yet rec 'd a letter of denial from Bank of America and my portal still shows Mortgage in Process. 

My loan officer told myself and my realtor that he could not tell me the reason for the denial and that a letter would be forthcoming in the mail. 

My loan officer called and left a message he was closing the loan out, but as I reviewed my portal the loan application has not been closed out. 

I did in fact call the bank to get an reason and spoke a another loan officer who could not share much information on the loan but stated that a letter of denial is submitted once the loan application is closed, this has not happen as of this compliant. 

I felt that has there been any issues with in a week or two of the application I should have been notified and not lead to beliver otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX is reporting a late payment on my credit reports. I have never paid late. When I ask XXXX XXXX to let me know what month I have paid them late, so I can investigate this, they have no record. 

I called in on XX/XX/XXXX and spoke with a representative who said, I had to provide this information to them. I told the Gentleman I had no history of paying my account late, please let me know what month you are stating I paid late. 

The Gentleman could not tell me the dates from what they were reporting. I don't know how to correct this issue when I have tried, however XXXX XXXX will not remove the payment history on XXXX XXXX XXXXXXXX XXXX account # XXXX that is reporting over 120 days past due. 

I have attached a copy of a notice from XXXX XXXX XXXXXXXX XXXX   and a copy of my current credit report, which shows how this account is reporting the Over 120 days past due, but does not list the dates of this late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry on my credit report from " XXXX '' on XX/XX/2022. Shortly after being notified about this I received a full Credit Report from Transunion and saw that there was a new account in my name under XXXX for a credit card that I never activated. I immediately filed a dispute through Transunion and was notified a week later that the results were " Accurate and Updated. '' From there I filed another dispute on XX/XX/2022 and received the same results. I also contacted XXXX directly to try and figure out what happened and attempt to remove the account from my name and they told me that there was no record of me having an account open with them therefore there was nothing they could do. 

So I first need to know how Transunion can declare this being accurate when the company itself has no record of me opening an account with them and most importantly I need this removed from my record as I believe it is fraudulent. I need someone to please help me do this or at least point me in the right direction to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe I owe what you say I owe. Therefore, I dispute this debt. I am aware of my rights under the federal and Florida Fair Debt Collection Practices Acts ( FDCPA ). Also, I believe that the statute of limitations for enforcing this type of debt through the courts in Florida has expired. Therefore, should you decide to pursue this matter in court, I intend to inform the court that I dispute this debt and that the statute of limitations has expired. 
This letter is your formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop contacting me. In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Acts a serious violation of the law and will immediately report any violations to my State Attorney General and the Federal Trade Commission and take whatever legal action necessary to protect myself. Be advised that I tape record all phone calls. Violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/202XXXX XXXX XXXX {$7500.00} / XX/XX/2021
Product: Debt collection

Reporting to credit report balance was settled less than full balance. Sent me letter stating that {$590.00} was paid and I have no further obligation for this account. Account is still open on my credit report. I paid a total {$1000.00}
Product: Credit reporting or other personal consumer reports

I spoke to jcmb I told them that this is not my account it's fraud I never give anyone my account number or permission to use. There's also and address that is not mine never been there never live there. I'm being false accused and I need help thank you
Product: Debt collection

The TrueAccord Corp. is a debit collector being used to harass past customers of XXXX XXXX and XXXX XXXX XXXX. In 2022 I returned the parts from the satellite internet provider XXXX XXXX and closed my account and have the XXXX receipt to prove it ( attached ) and have tried in vain to get XXXX to leave me alone. They did for about a year and now all of sudden my credit score is reduced and a collection agency TrueAccord is now texting me and emailing me for no reason. I have informed TrueAccord I would be filing this complaint and XXXX appears to be running a scam on past customers that have retuned parts but they can not locate on their end. The XXXX  receipt has been provided to them numerous times and this is getting ridiculous.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT ONE THOUSAND PER VIOLATION OR REMOVE ACCOUNT!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, TRANSUNION reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Checking or savings account

There has been mobile deposits on my account multiple of them. The first one was on XX/XX/22 amount of {$1900.00} and a XXXX transaction of {$400.00}. Another check on XX/XX/22 amount of {$1900.00} and another XXXX transaction of {$840.00}. Those acting have not been made by me. The bank keeps blaming me but I know it wasnt me someone must have logged in to my bank account and did this activities. I originally had XXXX its not a lot but its something to me from my hard work that I get direct deposited from my job XXXX XXXX XXXX. They are currently telling me to pay those transactions fees but its not fair that my account is at XXXX from transactions I have not made. All I am asking for is for my XXXX back
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX I reported to Experian that I had a fraudulant past due account from XXXX XXXX stating that I owed {$4400.00} I asked Experian to dispute these claims and I wanted evidence that they did I didn't get any evidence or original copies of paperwork showing that I actually signed up for any services provided by XXXX I was just told that everything checked out in their investigation and that I did owe XXXX which is a bold face lie I havne n't had a XXXX account since the year XXXX thats was the only time i've ever had XXXX.