23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

CARRINGTON IS ATTEMPTING TO FORECLOSE ON MY HOME WITHOUT AN ASSIGNMENT OR IN RIGHTS TO THE PROPERTY, THE ONLY DEED RECORDED IS FOUND IN BOOK 73 PAGE 177 FILED XXXX XXXX IS THE ONLY THE SECURITY DEED HOLDER. 

THEY ARE ALSO GUILTY OF DUAL TRACKING. WE WERE WORKING ON LOAN MODIFICATION AND WHILE REQUESTING ADDITIONAL PAPER WORK THE PLACE MY HOME IN THE HAND OF XXXX CARRINGTON XXXX XXXX XXXXXXXX XXXX TO FORECLOSE ON MY HOME I MAILED A QWR OVER 60 DAYS AGO AND IT STILL HAS NO BEEN RESPOND TO. I SENT THEM A NOTICE OF DEFAULT AND I HAVE GOTTEN A RESPONSE
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. 

( Reported False Collections ) XXXX XXXX XXXX 
Last reported XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account name : XXXX Address:XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Account name : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Account name : XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Account name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 man 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear XXXX and XXXX, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I already reported PNC bank last Friday but it disappeared... I said I didn't encounter the such case where the installment loan balance is variable. My balance is {$15000.00} and my first payment is scheduled for XX/XX/XXXX but every time the balance goes up now it's XXXX I would to understand what happened I know PNC is a great bank but steal the citizens money like that is unacceptable
Product: Checking or savings account

I am writing to file a complaint regarding multiple overdraft applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 


This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX has agreed to delete the account from XXXX XXXXXXXX XXXX XXXX because the account does not belong to me. The XXXX XXXXXXXX XXXX account # XXXX continues to be reflected on my Expirian report.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 XXXX sent a letter regarding inaccurate and unknown things on my credit report. On this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equilax data breach and XXXX have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections, PROFESSIONAL DEBT MEDIATION account XXXX ( XXXX Apartments ) XX/XX/XXXX for the amount in {$1200.00} ; XXXX XXXX XXXX XXXX account XXXX ( App XXXX ) XX/XX/XXXX for the amount in {$1200.00} ; XXXX XXXX XXXX account XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX for the amount in {$1000.00} ; XXXX XXXX XXXX account - XXXX ( XXXX XXXX  ) XX/XX/XXXX for the amount of {$370.00}
Product: Credit reporting or other personal consumer reports

Under Section 605B of the FCRA, consumer reporting agencies are required to block fraudulently opened accounts and other inaccurate information due to identity theft from a consumer 's credit report within four business days of receiving a valid identity theft report. However, this has not been adhered to in my case, causing ongoing damage and distress.

Furthermore, pursuant to Section 609 ( e ) of the FCRA, I have requested detailed information from the consumer reporting agencies pertaining to the fraudulent accounts opened in my name. I expect full cooperation from all agencies involved in accordance with the law. 

I urge the CFPB to ensure that all fraudulent entries on my credit reports are removed immediately and that all future compliance with FCRA regulations is strictly enforced. My financial stability and personal reputation are at serious risk due to these violations, and I require your urgent support to rectify this situation.
Product: Debt collection

went to a vet near old residence after moving 1.5 hours away from XXXX. Our last medical interaction did not result in full payment for whatever reason. We were clients for 10+ years there and they new we moved and did not update our address in their system. Flash forward to XX/XX/year>, start getting weird phone calls asking to speak to me about, " a personal business matter '' but would not tell me what it was in regards to. I eventually blocked the number. 
Flash forward to XX/XX/year>, I receive a letter from " XXXX '' stating I owed XXXX dollars to the XXXX XXXX and I had no idea we owed money. I tried to settle with the animal hospital once I found out about the reason, asked for a reduced fee for the mixup. They told me to deal with XXXX I clicked on thier website, created a password and paid it. 
Now a new company is calling me, GlobalSolutions Biz and asking for the same bill to be paid AGAIN. They keep saying one time it is settled, another it is not, the vet hospital will not work to zero out the balance. 
I disputed my charge initially with XXXXXXXX XXXX after researching this recurence of the issue, because I thought I had been scammed. The company, XXXX does not exist any longer ( and the vet did not know this at the time I contacted them after this last encounter w the new collection company ). 
The bank determined the charge is ok, as they did not return the money to my account after they investigated it. I do not have a receipt of payment outside of the evidence from my bank for the charge, but the company listed who received the money does not even match XXXX XXXX. 
No one from the new place calls with updates and every time I call it is a different story. Today they told me the fees are going up to XXXX dollars from XXXX. He said they have contacted my siblings and dad. This is harassment and I have spent hours of my time on something that is not even a problem. 
Additionally, I am getting emails about debt resolution, so I believe my information has been shared. 

I have the paperwork from XXXX and a screenshot from the bank and paperwork about the disputed charge upon request.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt or credit management

I used National XXXX debt XXXX. I was told they would collect the money and to speak to the loan Co. I just spoke to the Co. they said it would be another year collecting my money, and they are talking to XXXX XXXX about my case????? I don't owe XXXX XXXX. 

I was told I have to pay {$2900.00} with attorney fees??? I am paying you to lower my credit score, it is lowered since I am paying them and not the debt. I was told I have to pay attorney fees, over {$600.00}. 

This is a company who should not be in bussiness, they steal and lie.
Product: Checking or savings account

Hi my name is XXXX XXXX. I am a refugee from XXXX. I have lived here in XXXX Washington for 7 years and I speak little English. 
I have not received my tax refund, stimulant checks and child tax credits for 2020. US back was my former bank, then I closed my account because USBank kept charging me fees that I didn't know of. One month before I closed my account with US bank. I went to US bank branch to get a direct deposit form for my refund and the receptionist gave me some else 's check that I could use but at the time I though it was my check and due too my small English I didn't read to check if it was really my check but I took a picture of it. I gave the account number and routing number to the tax agent to file my 2020 tax refund. It has been two years and I still haven't got my money. I have reached out to the bank many times but they alway come up with excuses. I have filled claims with the IRS but they keep telling me that bank has to respond to them. One day I asked the bank to tack where the money went, and they actually confirmed that it went to some else. This issue has been driving me crazy because I am XXXX XXXX  who doesn't know English US bank expects me to just give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continually reporting a foreclosure that was illegal and had a lot of complicated circumstance ...
Product: Credit reporting or other personal consumer reports

XXXX Transunion and XXXX are missing generation identifier. These are inaccuracys XXXX reports status updated XX/XX/XXXX Transunion reports status updated XX/XX/XXXX. These are inaccuracys. 

No last payment date is reported on XXXX or Transunion. This is an inaccuracy. 

Transunion balance updated is XX/XX/XXXX. XXXX balance updated XX/XX/XXXX Transunion original balance is {$5400.00}. XXXX original balance is {$2000.00} XXXX and Transunion both have different account numbers
Product: Checking or savings account

I took out an advance from XXXX using their XXXX XXXX. I was due to repay on XX/XX/year>. On XX/XX/year> I " chatted '' with XXXX and revoked my authorization for them to withdraw funds from my account or debit card. I was ensured that they would NOT draw funds from my Huntington account ( XXXX XXXX account with my husband, XXXX XXXX ). On XX/XX/XXXX they did, in fact, take the money from my account which caused my account to be overdrawn. I tried reaching out to them to get my funds back but they kept saying they needed to research the matter. I contacted them XXXX times and basically got nowhere. They now claim that they did nothing wrong. 
On XX/XX/XXXX I contacted my bank, Huntington, and filed a dispute. I advised them that the charge was unauthorized and that I had revoked my authorization for XXXX to debit my account. I sent copies of the chat transcripts with XXXX that prove that I did revoke my authorization and that they had the request noted in my account but for some reason it was not adhered to. Huntington supposedly did an investigation and XXXX days later I was sent a letter stating that XXXX XXXX had the right to debit my account. There is a clear violation of Regulation E in this case because as a consumer I have the right to revoke authorization and if that is not adhered to, my banking institution must make things right. Huntington provided me with a provisional credit and they are taking back the credit tomorrow, XX/XX/XXXX. This will cause undue hardship to me as I will need to stop payment on several bills that I need to pay and will accrue late charges. A dispute supervisor with Huntington claimed via phone call earlier today that Regulation E does not cover debit card transactions. According to this website, it most certainly does. I am confused as to why Huntington Bank would be so unaware of federal banking laws and responsibilities, but they apparently are. 
I can not reach a resolution with XXXX XXXX  and I thought it was the responsibility of Huntington Bank to follow Regulation E as it pertains to revocation of authorizations via bank accounts and debit cards. 
To conclude, a consumer has every right to revoke authorization for a company to debit their bank account. I did so a full XXXX days ( XXXX business days ) prior to the unauthorized charge. It was not adhered to and my bank account was overdrawn causing me tremendous stress and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express did not report my accounts as included in bankruptcy filing on XXXX XXXX so I had to file a dispute with XXXX that those accounts were included in Bankruptcy and NO BALANCE is due. ( Please review the attached document that American Express received from the Bankruptcy court. ) After my dispute with XXXX, American Express then sent FALSE non accurate information to XXXX that stated the accounts were charged off and balance due of {$13000.00} for credit card and {$6900.00} due for the other account. American Express also changed the account numbers to XXXX for credit card and XXXX for another account and reported that my year of birth was XXXX. These accounts do not belong to me and my year of birth is XXXX. 
I filed a complaint with the CFPB ( see attached complaint ) for the inaccurate information in my XXXX credit file and explained that my year of birth is XXXX and that I have NEVER had American Express accounts ending in XXXX nor XXXX. XXXX contacted American Express and then sent me a letter stating that American Express verified the information as accurate. ( See attached response from XXXX dispute ) Obliviously, this is a FCRA violation for American Express to report to XXXX accounts ending in XXXX and XXXX that do not belong to me and to report my year of birth of XXXX when in fact my year of birth is XXXX. It is also a violation of the automatic stay in Bankruptcy to report a balance due on accounts that were included in Bankruptcy. 
These errors and lack of proper investigation of a dispute have caused several problems. XXXX XXXX did an inquiry on my XXXX credit file on XX/XX/XXXX and then restricted my account due to my birth year not being accurate as they think that someone else other than myself applied for credit due to my application having my year of birth of XXXX and my XXXX file has my year of birth of XXXX. This whole mess is due to American Express reporting inaccurate information to XXXX. If American Express does not correct the erroneous information that they supplied to XXXX then I will have my attorney file suit against American Express and XXXX for violations of the FCRA and automatic stay in Bankruptcy.
Product: Credit reporting or other personal consumer reports

Over the course of multiple months starting since XXXX of XXXX, every month I sent letters in regards to account. 

XXXX - XXXX in which contained a letter with information that said : 1. FCRA Violation : Inaccurate and Conflicting Reporting ( 15 U.S.C. 1681e ( b ) ) Under FCRA, Section 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy. This account contains multiple discrepancies : Different Credit Limits : XXXX reports a {$0.00} limit, while XXXX and TransUnion report {$380.00}. Inconsistent Activity Dates : The Date Last Active varies between XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX and TransUnion ). 

Payment Status Conflicts : The same account is marked as Coll/Chargeoff by XXXX and TransUnion but listed as 180 Days Delinquent by XXXX. 

These conflicting entries create an inaccurate portrayal of my credit history, violating the FCRAs requirement for accuracy. If the information can not be corrected, the account must be deleted immediately. 

2. FDCPA Violation : Lack of Validation and Misleading Status ( 15 U.S.C. 1692e ) Under FDCPA, Section 1692g, I am entitled to validation of the debt upon request. Despite my previous attempts to contact you, I have not received any documentation supporting the legitimacy of this debt. Reporting the debt as charged off and derogatory with a XXXX balance is both misleading and violates FDCPA prohibitions against deceptive practices. 7 of 12 3. Violation of FCRA, Section 1681c ( a ) : Outdated Reporting FCRA, Section 1681c ( a ) restricts the reporting of delinquent information to seven years from the first date of delinquency. The discrepancy in last activity dates ( XXXX vs. XXXX ) raises concerns about re-aging the debt to artificially extend the reporting period. Any such action is a direct violation of federal law and must be corrected or removed immediately. 

4. Violation of CFPB Guidelines : Inconsistent and Harmful Reporting The Consumer Financial Protection Bureau ( CFPB ) prohibits unfair and harmful practices in credit reporting. The conflicting account statuses across the three bureaus cause unnecessary damage to my creditworthiness by presenting an inconsistent and misleading history to potential lenders.

5. Non-Compliance with Metro 2 Data Reporting Standards The Metro 2 standard requires that accounts be classified accurately to ensure consistency. However, this account is listed incorrectly as Revolving/Charge Off despite the XXXX balance and closed status. This misclassification introduces further inaccuracies and must be addressed through immediate deletion. 

Final Demand for Deletion Given the inaccuracies, inconsistencies, and violations of federal law, I am formally requesting that the XXXX charge account be deleted from my credit report immediately. If you can not validate the debt with appropriate documentation, the FCRA and FDCPA require its removal
Product: Vehicle loan or lease

On my credit report it shows that I am 60 days past due. 

It states XXXX, XXXX and XXXX as received payments over 30 days lates. 

I have made payments on the following dates. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX The incorrect amount is being shown on my credit report. 

Payments submitted the following