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

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
FRADULENT ADDRESSES XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2024 XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX, CA FRADULENT ACCOUNTS XXXX XXXX CO, XXXX XXXX # XXXX XXXX  CARD ACT # XXXX XXXX  CARD ACT # XXXX XXXX  XXXX ACT # XXXX XXXX ACT # XXXX XXXX ACT # XXXX XXXX ACT # XXXX XXXX  XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX AND XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX BANK XXXX ACCT # XXXX ( Original Creditor : XXXX IN ) ACCT # XXXX XXXX BANK ACCT # XXXX
Product: Debt collection

Mortgage company will not explain how a " invalid " late fee of {$54.00} can equal {$790.00} considering this is a monthly fee.
Product: Checking or savings account

On XX/XX/2023 I applied on the First Hawaiian Bank website at about XXXX for their " Pure Checking '' checking account. After filling in the online forms and pressing submit, the next screen said I was declined. 
I called the number on the screen ( XXXX ) and talked with XXXX. I asked him why my application was declined and he could not clearly explain why. I told him I currently had credit locks on all 3 of the major credit bureaus ( XXXX, XXXX, and XXXX ) and he said it wouldn't affect their process to check to see if I can open an account. 
I asked to speak to his supervisor, he said she wasn't available. Her name is XXXX, the manager of FHB Direct, he told me. 
It is XXXX and I haven't gotten a call back from XXXX XXXX 
I received an email from First Hawaiian Bank that said : " Dear XXXX XXXX, Thank you for your interest in opening the following account ( s ) with First Hawaiian Bank : Pure Checking Unfortunately, your application has been declined. 

If you think your application was declined in error, or feel you are receiving this email in error, please contact us at ( XXXX ) XXXX or toll-free at ( XXXX ) XXXX. 

You will need your application ID : XXXX Sincerely, First Hawaiian Bank '' I think XXXX told me incorrect information about the process that his own bank does when a person applies for a bank account. 
I have had adverse letters before for credit card applications, and they all explained the reason ( or at least who to contact to find out why ) I was declined the credit. 
I don't understand why the email from First Hawaiian did not include the reason for the denial. 
Is First Hawaiian Bank in compliance with applicable laws governing disclosure and/or transparency when customers apply for bank accounts? 

Therefore, I would like a written explanation of the reason for my denial. 

All phone calls will be ignored on advice of counsel.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unfair reporting on my credit file under my rights granted by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), the CARES Act, and other applicable consumer protection laws. The following accounts contain errors that must be corrected immediately : 1. Service XXXX Credit Card ( Account ending in XXXX... ) The account reflects late payments, which should be removed under the CARES Act. If I was affected by XXXX and had an agreement with the creditor for deferral, forbearance, or payment modification, the account was required by law to be reported as current during that period. 

Under FCRA ( 15 U.S.C. 1681s-2 ), creditors must ensure the accuracy and completeness of the data they report. If any late payments were reported while I had an agreement in place, they must be immediately removed. 

I am requesting that this account be updated to reflect a Paid as Agreed status with no late payments. 


2. XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX... ) This account is listed as Paid, Closed, but it does not specify that it was closed in good standing. 

Under FCRA ( 15 U.S.C. 1681c ), closed accounts must be reported accurately and fairly. The lack of clear reporting misrepresents my credit history and affects my score unfairly. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ), it is unlawful for any entity to report misleading or incomplete credit information. 

I request that this account be updated to Paid, Closed No Late Payments to reflect the true status. 


Request for Investigation & Compliance As required under 15 U.S.C. 1681i, I am requesting an investigation into these inaccuracies and a correction of my credit report. You are legally required to complete this investigation within 30 days and provide a written response. 

If these inaccuracies are not corrected, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action to enforce my rights. 

Please update my credit report accordingly and provide written confirmation once the corrections are made.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX debt was cancelled and need to be removed from all 3 reporting credit agencies immediately
Product: Vehicle loan or lease

I got a loan for a used car. they dealership sold me a lemon and according to all XXXX  lemon laws have be violated, I reached out over XXXX times to get remedy even though I had well covered warranty. Im being threatened and harassed by the bank loan because him not able to make the payment due to the car breaking don't XXXX or less days after purchase. its been a financial burden to survive off basic needs and creating unnecessary expenses to to back and forth to work. there website lied out their vehicles inspection and they removed that information prior to me sending a affidavit notice.please help. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern Under 15 U.S. Code 168b- Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is Identity Theft. A copy of this law is attached with this dispute correspondence. This firm continues to break public statutes with the blatant disregard for the confines of the law. 

Concerning the account listed below as a consumer I am demanding a deletion of this account. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Request for Removal of Profit and Loss Write-Off from Credit Report To Whom It May Concern : I am writing to formally dispute the reporting of a profit and loss write-off on my credit report associated with an account under your management. The vehicle related to this account has been sold and was also totaled in an accident, which renders the current reporting of this account inaccurate. I request that you take the following actions : Remove the negative account reporting : The profit and loss write-off should be removed from all credit reporting agencies as it is no longer valid under the circumstances of the vehicle being sold and totaled. Provide validation and documentation : If you believe this debt or write-off is accurate, I request detailed documentation that justifies the reported balance, including any record of the sale and accident proceedings. Cease all collection efforts : Any attempts to collect this disputed debt must stop immediately. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of information on my credit report. Any failure to correct inaccuracies may expose your company to liability. I demand written confirmation within 30 days of your receipt of this letter that the negative reporting has been removed from all credit bureaus. If this issue is not resolved promptly, I will file disputes directly with the credit bureaus and escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory bodies. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/year> Freedom Mortgage sent me a letter informing me of the total mortgage payoff amount : {$6700.00} I made that exact payment on time on XX/XX/XXXXXXXX XXXX  but because I sent the payment like I've sent all of my mortgage payments -- with my online bill pay, they did not apply the full amount and are saying that now I owe an additional {$880.00} They are saying that they added interest because I did not send the payoff as a wire transfer to an alternate address.
Product: Credit reporting or other personal consumer reports

Amount : {$10000.00}. Please see attached for proof of claim. 

15 U.S. Code 1666b - Timing of payments U.S. Code KIA MOTORS FINANCE COMPANY owned by Hyundai Capital America ( HCA ) is in violation of my federal rights by reporting late payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am filling this complaint case to make sure that XXXX will take the necessary action regarding my concern. I have been a victim of Multimillion-Dollar Bank Fraud with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have attached the federal documents to review. For your reference regarding my claim. Attached is the article from the Department of Justice article regarding the crime that has been committed. 
Below are the accounts that they opened and are still affecting my credit score. Sadly, all the accounts that they opened ended up as Derogatory, Sold to Collection companies, and Paid but with multiple late payments. I need to make sure that the credit bureaus will review my account and be on top of the investigation. I already disputed this concern with the credit bureaus and still not seeing any results. The people involved in this crime pleaded guilty of their roles in the XXXXXXXX XXXX bank fraud conspiracy and are awaiting sentencing. I know that this situation should be handled by experts so it would be easy for these accounts to be removed from my credit report. I have been under tremendous stress because of this and I need this resolved as soon as possible. I am writing this letter with the highest urgency to be resolved. These accounts can not be in my credit file, these are the result of Financial Fraud therefore I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX 4. XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX and XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX, XXXX USD was withdrawn from my checking account Bank of America, through an ATM machine in NJ, given that I live in MA. 
I contacted the bank immediately to file a fraud claim, and the temporary credit of XXXX USD was reversed to my account until the bank reaches a conclusion about my claim. 
However, on XX/XX/XXXX, the Bank of America informed me that this transaction according to their investigation was not a fraud and that it was authentic, and that they will charge the XXXX USD amount again on me on XX/XX/XXXX. 
their reasoning is that since the pin was used correctly, then it must 've been me who used the card. 
I argued that any person could 've stolen the information, and I 'm protected by law since I reported the incident within 48 hours. 
i asked them whether or not they involved the police, and they said you should involve them. 
finally, they told me they will look into the claim again, I just want to be protected, it is unbelievable that this is happening, I do not feel that my money is safe anymore in the checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$18000.00}.
Product: Credit reporting

the credit bureau reinserted previously deleted information from XXXX and XXXX financial back on my credit file.
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Also there are several inaccuracies with this account the way it's reporting and that's a total violations of FCRA and FDCPA. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection company ( XXXX XXXX ) is reporting a fraudulent account on my consumer report. I did not give this company permission to run my credit and have never opened an account with them. I would like this company to delete this off of my consumer report from XXXX and Experian. Thank you.
Product: Credit card

Dear Experian, I am writing to dispute a charge-off listed on my credit report for XXXX XXXX XXXX I believe that this charge-off is inaccurate and should be removed from my credit report. The debt was settled with the creditor on XXXXThe information on this account is incorrect. I have knowledge of this account or the amount it shows on my credit profile.
Product: Credit reporting or other personal consumer reports

I have disputed with all three credit agencies multiple times to have my account XXXXXXXX XXXX XXXXXXXX updated to reflect a {$0.00} dollar amount and the account should be closed as Paid without any negative comments. 
XXXX - I disputed on XX/XX/XXXX, report number XXXX and was success and account was closed. On XX/XX/XXXX, I received a notification via email that another investigation occurred in which I did not initiate report number XXXX resulting the account being reopened and the balance was updated as XX/XX/2024 {$160000.00}. I called XXXX on XX/XX/XXXX and asked them if they had received the letter I attached with the dispute on XX/XX/XXXX. The representative found the later and stated she would resubmit the dispute report number XXXX. The same day, XX/XX/XXXX I received another notification the account was updated to reflect a {$0.00} dollar balance but has not been closed. Status shows : open/never late. 

XXXX - The same process occurred XXXX. XX/XX/XXXX, confirmation XXXX, completed XX/XX/XXXX, with the information updated and balance {$160000.00}. Called XXXX on XX/XX/XXXX, explained I sent the confirmed letter of my student loans were XXXX The representative saw the letter opened another investigation confirmation number # XXXX and advised I would receive the results in the mail. The results came and the account is updated as {$0.00} and closed, with inaccurate comments : XXXX XXXX payments deferred. 

XXXX - I have dispute ( XXXX ) times and results have been the same time updated and verified balance {$160000.00} as of XX/XX/2024. Prior to my dispute I asked to speak with a supervisor, not sure if I was transferred to one or not, but I spoke with XXXX and advised him that I have attached the letter that my loans are forgiven with XXXX XXXX  XXXX and my account should be reflect as {$0.00} dollar amount, paid and closed without and negative. He responded with they send the documentation to servicer to confirm. I found that hard to believe since the servicer being Aidvantage sent me the attached letter and has updated my account that XXXX loans are forgiven so why am I having to go through so many obstacles to with the credit agencies to update my credit report with accurate reporting. XX/XX/XXXX, I received the forth dispute notification file number XXXX and it reads : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : Date updated : balance {$160000.00} as of XX/XX/2024.
Product: Mortgage

Checking to see if I qual8fy for XXXX XXXX claims that has been out there.
Product: Debt collection

BC SERVICES has, by mistake, put the utility debt of another tenant on my account increasing my balance from {$420.00} to {$2500.00}. As of  XXXX / XXXX / XXXX  I have had a past due balance with   XXXX   XXXX   XXXX    Utility Division for  account number  XXXX  in the /amount of  XXXX .  BC Services bega n collections shortly thereafter ; see attached invoice dated  XXXX / XXXX / XXXX  in the amount of {$360.00}. I moved to  XXXX  in  XXXX   XXXX , I did not have the ability to pay the past due balance and my utilities where managed by  XXXX   XXXX  until  XXXX  of  XXXX .   BC SERVICES has, by mistake, allocated the utility debt of another consumer on my account increasing my balance due from {$420.00} to {$2500.00}. I have provided documentation of my account history t o BC Services  XXXX   XXXX  via fax. I have requested a verification of the information from the original creditor . BC Services forwarde d an account ledger from   XXXX   XXXX   XXXX   with the correct balance due of {$360.00}. However  BC Services is still  attempting to collect a balance of {$2500.00} from me.
Product: Mortgage

I refinanced my mortgage with XXXX  ( loan # XXXX XXXX in XX/XX/XXXX. XXXX then immediately sold the loan to XXXX XXXX XXXX ( loan # XXXX XXXX. XXXX XXXX XXXX billed me for XX/XX/XXXX mortgage payment in the amount of {$2800.00} due XX/XX/XXXX ( see attached ). On XX/XX/XXXX, a Notice of Servicing Transfer letter from XXXX XXXX was sent to me stating that LoanCare on behalf of XXXX XXXX XXXXXXXX XXXX will collect my mortgage payments starting XX/XX/XXXX. 

Meanwhile, XXXX persistently contacted us for their XX/XX/XXXX payment. They said it was due to them, not XXXX XXXX. We have tried MANY attempts to contact XXXX XXXX and LoanCare to resolve the issue and get the XXXX mortgage refunded to us so we can pay XXXX  to no avail. We've been contacting both companies since XXXX. I have attached supporting emails from XXXX XXXX that states the XXXX mortgage is due to us for refund and that they've contacted LoanCare to process the refund. It's been 2 months and nothing from LoanCare. Every time we attempt to contact LoanCare at the only number we know ( XXXX ), they don't seem to know the story and it's a repeat of the entire scenario to the rep at the time. There has been numerous calls to LoanCare from XXXX to XXXX. I started documenting my calls to LoanCare starting XX/XX/XXXX. 

Calls to LoanCare : XX/XX/XXXX - Spoke to XXXX, then requested to speak to a supervisor named, Ms. XXXX and she initiated an escalated ticket XXXX # XXXX XXXX. She said we'd get a call back from the escalation dept within 1-3 days. No call back. 

XX/XX/XXXX - Spoke to XXXX XXXX agent # XXXX XXXX. She was supposed to call us back the next day. No call back. 

XX/XX/XXXX - Spoke to XXXX XXXX agent # XXXX XXXX. Was supposed to have someone contact XXXX XXXX XXXX XXXX XXXX XXXX XXXXNo call has ever
been made from LoanCare to us to try to resolve the issue. 

We were approaching the 60 days RESPA and were forced to make a secondary XXXX mortgage payment to XXXX ( see letter from XXXX attached ) on XX/XX/XXXX to avoid having a negative impact to our credit. 

This has gone on far too long with no follow up or communication from LoanCare. It is clearly an error between XXXX XXXX and LoanCare that should have been easily and quickly resolved for me. 

I hope this letter will help find me a quick resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the partial digits of the account reported on your credit report identified as : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX The partial digits of this account number are incorrect, and your previous investigation did not resolve this inaccuracy ( Report # XXXX from XX/XX/year> ) and CFPB Complaint No. XXXX