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

I have disputed my late payments ON EQUIFAX, XXXX, and XXXX regarding the accounts XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX on the date ( XX/XX/year> ). I requested the purchase agreement, bank transactions and proof that I was late with these creditors. The creditor never sent proof that I was late but sent somehow came back verified. The creditor has illegally reported my accounts as late. Please remove this error and any negative information on these accounts immediately. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( 15 USC 1681 ( section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account without my written consent instructions under. 15 USC 1666B states 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 information in section 1637b has been sent. It establishes reasonable procedures to ensure that periodic statements are delivered to the consumer at least 21 days before the payment due date. I would like to request proof that this information was mailed or delivered 21 days before the due date.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Account Reporting Request for Deletion I am writing to formally dispute the inaccurate reporting of a debt collection accounts ( XXXX ) that appears on my credit report under the name XXXX XXXX XXXX. On XX/XX/year> i filed a complaint with the CFPB, today is XX/XX/year> which is exactly 32 days from the day i submitted the account The account ( s ) is listed with a balance of {$850.00} and {$630.00}, which is falsely reported as past due. I am requesting that these accounts be removed from my credit file in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires all information reported to be accurate and verifiable. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Basis for Dispute : Inaccurate Balance Reporting : The reported past-due balance of {$850.00} & {$630.00} is inaccurate, as the original balance of this debt was never with XXXX XXXX XXXX . Furthermore, I have noticed that every few months, the account balance is increased by {$1.00} to keep the account active, which appears to be an attempt to manipulate the status of this account inaccurately. 

Failure to Provide Validation Under FDCPA : Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), all information provided by debt collectors must be accurate and truthful. When I requested validation of this debt from XXXX XXXX XXXX, they failed to provide adequate validation and instead employed scare tactics, including threats of legal action. Such practices are in violation of the FDCPA, and the debt should not be reported if it can not be validated. 

Failure to Meet 30-Day Response Deadline : Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), a consumer reporting agency must investigate disputes within 30 days. As of today, more than 30 days have passed without a proper investigation or correction by XXXX XXXX XXXX, and this account continues to be inaccurately reported. 

Requested Action : I request that you conduct an immediate investigation of this matter as required under the FCRA. I also request that you delete this account from my credit report, as the debt is inaccurately reported, and the creditor has failed to validate the debt as required under the FDCPA. 

Please note that under the FCRA, if this information can not be verified within the 30-day investigation period, it must be promptly removed from my credit report. Please notify me in writing once the investigation is complete and confirm that the inaccurate information has been deleted. 

I have attached a copy of complaint that was submitted to the CFPB, along with any supporting documentation related to my request. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

Hi, good day. Please read and take this complaint seriously as there is erroneous information on my credit report which is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AMERIHOME MORTGAGE COMPANY for committing identity theft. I have never given AMERIHOME MORTGAGE COMPANY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until AMERIHOME MORTGAGE COMPANY can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and AMERIHOME MORTGAGE COMPANY continues its collections efforts, I will file for litigation for actual damages caused and AMERIHOME MORTGAGE COMPANY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # xxxxxxxxx XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE IT IS AGAINST THE FCRA 604 PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( 15 USC 1681B ) FOR AN ENTITY TO VIEW A CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE, I AM DEMANDING FOR TRANSUNION, XXXX, AND XXXX TO REMOVE THESE LISTED INQUIRES BECAUSE I DID NOT APPLY FOR CREDIT. THESE FRAUDULENT INQUIRIES WERE OBTAINED UNDER FALSE PRETENSES WHICH VIOLATE 15 USC 1681N ( A ) ( 1 ) ( B ). INQUIRIES : XXXX XXXX XXXX ( FINANCE ) XX/XX/ XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( BANK ) XX/XX/ XXXX XXXX XXXXXXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

personal checking account XXXX Bank breached, on line payees unknown transacted ( approx. 5 known ) ; credit card ( XXXX XXXX XXXX XXXX  ) account applied for ; personal signature loan applied for at XXXX XXXX XXXX. All have been contacted. Have Experian identity fruad lock down of credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am making this complaint because there are multiple errors on my credit report I called the Experian, XXXX, and XXXX but only Experian was willing to help me over the phone although I mailed the dispute in they claim they did not receive it. Please help me in getting these errors removed and proper communication with these companies. Thanks.
Product: Vehicle loan or lease

I turned my truck in 3 months and 1 week early. Apparently there is early termination fees in you turn a vehicle in earlier than 4 months - i spoke to chrysler capital several times before turning this in and it was never told to me. 
Regardless, I turned it in. Paid all the fees and paid my lease off in full. 
My credit report then alerted me that I owed an additional {$840.00} to chrysler capital. 
I called several times. Nobody could tell me what this was for. 
To protect my credit, I paid it, but to my understanding, I did not owe this money. It is reporting to my credit as a debt and I am furious. This company is terrible.
Product: Debt collection

Specialized loan servicing committed identity theft and fraud when they stole my identity and reported to all credit reporting agencies that a payment was made by me on a fake mortgage debt on XXXX XXXX by me and then sold the fake debt and fraudulent account without any verification for their Prior errors and blatant fraud to further the racketeering scheme for XXXX XXXX and XXXX XXXX to cover up its phony records it creates for XXXX and one XXXX XXXX aka XXXX XXXX after they cook the books for XXXX XXXX XXXX with crooked lawyers to illegally foreclose on my home and business with fraudulent accounting where Sls is fabricating false records on case XXXX ca XXXX in Florida to cover up the Fraud, XXXX XXXX has constructed for XXXX to steal my homes equity and extort me for money not owed because they create fake reporting and make fake payments and commit forgery, identity theft like on XXXX XXXX on my record to keep the fraud alive for XXXX, XXXX, XXXX and XXXX in XXXX so they can get money from the government share loss agreement and make false claims for damages and steal homes disguised as business as usual in violation of state Rico and false claims act laws And state penile code laws. I request a written response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to Experian regarding my Experian Consumer Credit Report due to inaccurate and potentially fraudulent accounts on my credit report. None of the disputes I have mailed in since late 2021 have been processed by Experian. So far this year, I have mailed in four ( 4 ) separate disputes. Experian has ignored all of them, in direct violation of federal law. Some of these disputes were mailed in multiple times, to no avail. I have notified my Senator about this issue and his staff will be opening an investigation into Experian 's unresponsiveness as well as the CFPB 's failure to resolve this issue when I filed a complaint about the same issue last year.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : Us department of Edu Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, Us department of Edu Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX has fraudulently reported and sold my personal information to Credit reporting agencies and Wells Fargo & Company and failed to discharge the debt in accordance with the Law. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. By law its my understanding I was suppose to recieve a Cash Advance at the start of our contract I never did. I also sent over registered securities as tender with special endorsements for the principle account for satisfaction and discharge as well as cancellation pursuant to article X1 in the base Indenture of trust Indenture for the issuer and registrar. Securities fraud braking of the Trust Indenture Act of 1939 and The Securities Act of 1933.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates XXXX and XX/XX/22, Capital one unlawfully obtained my credit report without my permission which is violation of the fair credit reporting act 15 USC 1681b. According to the FCRA as a result, Capital One is liable to me actual damage or statutory damage up to {$1000.00} and punitive damage for each inquiry.
Product: Credit card or prepaid card

This is the XXXX  complaint filed against CitiBank. The XXXX   XXXX filed under # XXXX was closed by CFPB after the Bank provided a fraudulent response. After I provided a " feed-back '' to that lie I received a telephone call from a lady by name XXXX who left a message on our answering machine with a request to call Citibank at XXXX number XXXX ( the last two digit I could not understand because of her mumble-jumble. She called though from a telephone number XXXX. After her another lady called me when I was at home and started to talk to me about XXXX credit card which is also issued by CitiBank. Since XXXX credit card had nothing to do with my compliant against Citi about general purpose credit card I refused to continue conversation. The issue in this complaint is the same as in previous compliant : CitiBank refused to provide to me a gift card from XXXX in response to their specific offer e-mailed to me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX concerning their reporting of unverified, unauthorized, and inaccurate information on my credit report. While I appreciate XXXX 's cooperation in updating incorrect information such as names and addresses, I believe that XXXX is still in violation of the Fair Credit Reporting Act ( FCRA ) by reporting unverified and unauthorized information. 

My complaints against XXXX are as follows : Reporting Unverified Information : XXXX has reported information on my credit report that has not been verified by me, including accounts from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not validated or given permission for XXXX to include this information on my report. The unauthorized inclusion of such information goes against the FCRA, which stipulates that consumer reporting agencies can only report information with the consent of the consumer. 

Violation of My Right to Control My Credit Report : My rights as a consumer include having control over the information on my credit report. By including unauthorized information, XXXX is infringing on my ability to maintain accurate and truthful credit information. 

I kindly request that XXXX addresses these issues by ensuring that they only report verified and authorized information in accordance with the law. I also request that XXXX removes the unauthorized and unverified information from my credit report immediately and remains vigilant in complying with the FCRA and related consumer protection laws. 

In support of my complaint, I cite the relevant legal provisions and a court case : FCRA Section 1681b ( f ) outlines the responsibilities of consumer reporting agencies regarding the use and reporting of consumer information. 

The case of XXXX  v. Equifax Information Services LLC, 2017 WL 2832941 ( S.D. Fla. 2017 ), emphasizes the importance of accurate credit reporting and the responsibility of credit reporting agencies to ensure that information is both accurate and verifiable.
Product: Credit card or prepaid card

I received my statement and noted that despite paying off the balance of the credit card, I was charged a {$29.00} " return fee ''. I had paid the balance owed through the credit card payment portal where I entered bank account information and submitted. I subsequently received a letter by US mail that the payment could not be processed online due to a glitch in the system so I reinitiated payment and the funds were deducted from my bank account. 

On XX/XX/XXXX -- I received the statement and called the customer service number to determine the reason for the fee since payment was not returned through any fault of mine but rather due to system glitch. I was told that because I mis-input my bank account number, the payment failed and I would be penalized with a fee for that typo. 

I was further told there was no way to waive or dispute the fee. 

I note that there is no disclosures on the payment portal informing customers that incorrectly providing wrong account number could result in a fee. In fact the fee itself is not disclosed anywhere on the website. Moreover, the terms and conditions for the credit card do not include this information or mention of this fee. 

Assessing a fee on a consumer account that is not previously disclosed in clear and conspicuous manner is contrary to many federal and state regulations including CFR 12 Part 1026 ( Reg Z ).
Product: Credit reporting or other personal consumer reports

FIRST NAME : 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 I am writing to ensure that my personal information is accurately recorded in your system. Please see my details above for your reference. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I previously submitted complaint XXXX which CFPB closed following receipt of Chase Bank 's response. Chase committed in their response that : " ... Our current online account opening application will not allow our Chase Private Client ( CPC ) to open CD accounts online. We are performing a system upgrade on XX/XX/XXXX that will allow our CPC customers to open CD accounts online. You may proceed with opening your CD account after this date. ". 

XX/XX/XXXX is long gone and I, as a CPC, have tried multiple times to open a CD account online - with NO success. The situation is the same as before. Chase Bank is falsely advertising and has provided both the CFPB and their customer with false information. Given that I am unable to go to a branch and can only open a CD online, every day that passes that I am unable to invest my seven figure amount that's in the Chase savings account - is a financial loss to me - and, of course, allows Chase to get away with not having to pay interest! They have a vested interested that the funds will remain in a zero percent interest savings account! Why is CFPB allowing Chase to get away with this? If CPC customers aren't still able to open accounts online ( though as of XX/XX/XXXX Chase claimed we were supposed to be able to do so ), why does CFPB still allow them to advertise this option on the Bank 's online website? Totally outrageous and CFPB is enabling this!
Product: Debt collection

On XX/XX/2013 a collection agency called PDQ SERVICES Inc made an attempt to collect XXXX dollars from which i do not owe so now they have put it on 2 of my credit agency reports which is damaging my credit ( XXXX & XXXX.The original creditor XXXX XXXX XXXX XXXX. 

Also this makes it hard to get into an apartment or home rental. 

PDQ SERVICES INC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Mortgage

My family and I were forced to moved back into an XXXX XXXX XXXX XXXXXXXX which should be condemn by the Investors.. 
We are under a Hardship situation. Loan Depot is holding on to Insurance Funds {$10000.00} which needs to be released to pay up a Lien Holder, if not paid the XXXX XXXX can forced Foreclose Proceeding as a share holder. 
As per below my attorney is asking Loan Depot Policy & Procedures in place for the Releasement of the Funds to settled the deal. 
Loan Depot Loss draft Department representatives keep passing the info around and I have to repeat my selves twice in reference to the situation, I asked to speak to a supervisor or manager who promised to get back to me. Its 15 days now, Loan Depot keep frustrating me and my family and telling " Untruths '' that the processor has it but when in fact every time I call it avoidance and long period of waits with no results. 
This tool of Intimidation hoping we go away and lapse time to process Foreclosure Lein to avoid foreclosure. 
CFPB, pleading for your help for the Owner to response or for the Investor to make a site visit and condemn the Apt which is in Ruins. 
below is the statement we send to Loan Depot about the disposition and conclusion. 
MY cost to settled the Lien is {$25000.00}. 
{$10000.00} Holding in loss draft department Loan Depot {$10000.00} out of pocket Time Frame is 30 days, 8 days more to submit my deal to go through the Plaintiff, we need the LoanDepot.com information, including their corporation name, contact information, address, and the account they are holding in escrow. Further, we will need the detailed breakdown of information on the requirements necessary to ensure the release of said funds. Please get this to me as soon as possible, while we have a 30 day control date for settlement documents to be submitted, they do take time to prepare for the other counsels involved, so the sooner the better.