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

I am writing to bring to your attention serious concerns regarding inaccuracies in my credit report, as reported by XXXX, TransUnion, and XXXX. It has come to my attention that these credit reporting agencies are in violation of 15 USC 1681 and 15 USC 1666b by incorrectly reporting late payments from XXXX XXXX  XXXX, XXXX XXXX, and XXXX on my credit profile. 

Additionally, there is an entry from XXXX XXXX that does not belong to me, and I am requesting its immediate removal from my credit report. I believe this inaccurate information is not only damaging to my creditworthiness but also a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I request the removal of any inquiries that are not attached to open accounts. My personal information was compromised in the XXXX data breach, and as a result, I am concerned about the potential misuse of my credit information. Removing unauthorized inquiries will help protect my credit profile from any further harm. 

I have previously written to XXXX regarding certain discrepancies in my credit report, and to date, I have not received any response. As per the FCRA, it is my understanding that prompt attention and resolution are required in such matters. I request that XXXX address and rectify the issues raised in my communication promptly and ensure the necessary corrections are made to my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure compliance with the relevant statutes. The inaccurate reporting by these credit bureaus, the inclusion of unauthorized inquiries, and the lack of response from XXXX have adversely affected my financial standing, and I am seeking resolution to rectify these issues promptly. 

Enclosed with this letter, please find copies of the relevant sections of my credit reports highlighting the inaccuracies and unauthorized inquiries in question. I believe that a comprehensive review of the provided documentation will support my claims and prompt the necessary corrective actions. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will work diligently to rectify these credit reporting errors. Please inform me of any steps taken and the resolution reached. 

Thank you for your prompt assistance in this important matter.
Product: Debt collection

In response to complaint :  XXXX  FAIR COLLECTIONS & O ACCOUNT NUMBERs :  XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX  FL  XXXX ,  XXXX , CA  XXXX  Phone :  XXXX  Fax number :  XXXX  Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act  Section 611 [ 15 USC 1681I ]. You  have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account #  XXXX  and tell them the debt is the result of identity theft. I have enclosed a copy of the  Federal Trade Commissions police report Notice to Furnishers of Information. It explains y our responsibilities under the Fair Credit Reporting Act  ( FCRA ). The FC RA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commissio n FAIR COLLECTIONS & O acc #   XXXX  or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.   Sincerely,  XXXX ,  XXXX   XXXX    XXXX   XXXX   #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Debt collection

I am currently being sued by XXXX XXXX XXXX XXXX and legal counsel XXXX XXXX XXXX in XXXX separate cases. In neither case did I receive a notification of assignment from plaintiff as required by Florida law under the Florida Consumer Collection Protection Act, in order to move forward with a lawsuit. Nor did I receive a written notification of debit, validation letter of debit or a verification letter of debit as required by the FCCPA and FCRA as well. Neither of the lawsuits contain any personal identification information i.e. DOB, SSN or full legal name. Neither lawsuit contain any factual or legal information about the alleged loans themselves. Neither suit contained any repayments of loan as required by the FCCPA and FCRA. Furthermore the only personal information that Plantiff and counsel have was retrieved from my XXXX  Credit report. There is also nothing on my credit report about the two alleged loans either.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practice, which violate the consumer Financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive. As they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

On or about XX/XX/, I went to a CapitalOne Bank and made a cash payment of {$2900.00} which was the balance on my credit card ending in XXXX. The payment was applied to my credit card ending in XXXX. In spite of my efforts over a two day period, including walking back into the bank and asking them to reverse the charge which they refused to do, it took in excess of a week for CapitalOne to move the money to the correct account. I spoke with two different supervisors on the phone that said they were making notes of the mistakes and that I would not be charged any additional charges or interest. Now, they are charging me {$25.00} and said it doesn't matter because I would have had to have a XXXX balance for two months to avoid interest charges. I'm not a rocket scientist, but how do they charge interest on a XXXX balance? 

I feel this is deceptive and predatory and believe the charges are unjust.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/, and noticed there were hard inquiries that didnt have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureau about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that dont have any purpose to be on my credit report. 

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 discovered identity theft on my credit report ; Experian, XXXX, and XXXX shared my info without consent, violating 15 U.S.C. 1681. The Fair Credit Reporting Act ( FCRA ) protects consumer rights, breached in my case. I kindly ask that you urgently remove inaccuracies per Section 612 in 15 U.S. Code 1681 and send a no-cost updated report to my address. I have included my identity theft report ( which details each listing in dispute ), my social security card, IDs ( drivers license and passport ), and statement- as requested to prove my identity to validate my claims and requests. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I want my credit cleared because I was paying to fix it last year and it is legal to report transaction history. Self won't let me cancel my account and I am getting ready to buy a house but it keeps reporting inaccuracies, and it's lowering my score dramatically. A charge which is a certificate of indictment, which means it is income and must be removed. Also Every 30 days they should let me opt out, but they don't. I would like you to please clear off everything reporting incorrectly on my credit because it is effecting my life and lowering my living standards. I appreciate your time for addressing all these concerns. Thank you very much and have a great day.
Product: Checking or savings account

I have been waiting over 6 days for Old National bank to do a partial or full release of my deposit that has already cleared my attorneys office and bank. I have called customer service, Ive asked to talk to management, I have explained that my rent is due, and they are about to sell the land from under me. I keep getting the runaround from client services who say it is the branch XXXX who can release the funds when I call branch XXXX I am told that somebody else has to do it. I cant get a straight answer the funds have cleared yet the bank is unwavering to release ANY funds. I have been asked multiple times to be given a call back and have had no luck. How and who do I talk to someone to get some of these funds released So that I am not removed from my home and and my family displaced.
Product: Mortgage

I have XXXX complaints about USAA mortgage services. The first, I 'm concerned that I may have overpaid in interest. The second has to do with how USAA unilaterally applies additional mortgage payments to principal, interest and escrow, and the third has to do with their use of " mortgage servicers '' to manage their mortgages and their lack of accountability or responsibility to their members when using the " mortgage servicers. " For the first issue, I sent three additional mortgage payments that were to be applied to the principal only. In each instance USAA applied the additional payment to the principal, interest and escrow. I contacted USAA to correct the payments, with the exception of the last payment. I have n't yet been able to reach the " mortgage servicer. '' As interest is determined by the value of the loan, the interest rate and number of days, I 'm concerned that I 've overpaid in interest. I was assured by USAA that the payment corrections would be dated back to the date the money was received ; however, it does n't appear that the corrections were. The first payment was made XXXX/XXXX/15, but was not corrected until XXXX/XXXX/15. The second payment was made XXXX/XXXX/15, but the correction was not made until XXXX/XXXX/15. Unfortunately, because of my work schedule and USAA 's " mortgage servicer '' business hours, I 've not yet been able to reach them to correct the third payment. 
Additionally, the second issue, on the third payment, I made it very clear that the payment was to be applied to the principal only. I wrote in all caps and highlighted " PRINCIPAL ONLY '' on the check and money orders. I selected " principal only '' on the payment coupon and included the value that was to be applied to the principal. Still, USAA applied the amount to the principal, interest and escrow despite my express written desire that the entire amount be applied to the principal only. 
For the third issue. I contacted USAA about correcting the third payment and they directed me to their " mortgage servicer. '' The " mortgage servicer 's '' business hours differ from USAA 's business hours. So I called USAA back and explained the " mortgage servicer '' was closed for the day. USAA offered to give me the " mortgage servicer 's '' direct phone number so that I could call them directly when they were open for business. I explained to USAA its extremely difficult for me to contact the mortgage servicer because of my work hours and that my mortgage contract was directly with USAA, not the " mortgage servicer. '' I had no desire to work with their " mortgage servicer. '' The agreement with the " mortgage servicer '' was between USAA and the " mortgage servicer. '' My agreement was directly with USAA and I did n't want to contact a third party to correct a payment relative to the agreement between USAA and myself. USAA was unable to help and insisted I contact their " mortgage servicer. '' I sent an email complaint to USAA about it and received no resolution.
Product: Money transfer, virtual currency, or money service

All I needed was a replacement money order. My money was messed up, couldn't read. It's a rent payment. There are 2 money orders. {$500.00} and the other for {$50.00}. I would appreciate your help very very much.i had waited 31 days for refund. They said they never received my copy 's? Then, I e-mailed them copy 's. I will attach my copy 's now. Thank you very much XXXX XXXX XXXX XXXX XXXX XXXX, Ct I'm a senior so I hope I can attach properly.
Product: Credit card or prepaid card

I receive XXXX for myself and dependant children, on Direct Express ... XXXX mistakingly deducted {$620.00} off of my card.I resolved this situation with this entity. They canceled the transactions to be placed back on to my card ... I have called Direct Express over 50 times ... they Hang up on u!!!! I Even called Comerica bank the issuing bank under contract with the federal government ... no one picks up!! As soon as I stated direct express on automated service, it's over with for me!! ..All I want is confirmation that they are going to put that money back on my card that XXXX has already released to it. This is the money we survive on! I have minor children ..and none of these people care cuz it isn't them dealing with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX XXXXXXXX, about credit alerts on my credit report. I do understand that they are protecting me as a consumer but this is ridiculous. I am unable to obtain a Mortgage Loan because XXXX does not remove the credit security alert on my file, which I originally filed to put in when there was a breach of credit in 2017 with XXXX and another company which name I can't recall. I have faxed them, email them, US postal service and only Transunion had it removed. 

I have several disputes that do not belong to me which have been reported but continue to appear in my credit report. I am a member of XXXX and have contacted them on several occasions but the representatives have hung up twice on me and I am at the point of pulling my hairs out! 

This is unacceptable and unprofessional. I have sent them my California Drivers License a copy of my Social Security, a current bill of my present address, tax verification all that they have requested and the problems still remain there. I have verified my identity over 15 times and they still do not proceed to assist me. If I was an Identity Thief I would not contact your office nor continue to battle with none of the consumer credit reporting agencies. Please help. I have documentation that I have sent XXXX XXXX and Transunion.
Product: Debt collection

I sent them a final payment, a restrictive endorsed check for {$25.00} which is legally binding. The terms were that by cashing my check, they are accepting my agreement to delete the account from all XXXX credit bureaus. If they did not agree, they could have simply sent my check back as stated in the letter that was enclosed. I have attached my cashed check and the letter I sent. This was deleted from all XXXX bureaus and have been re-inserted without notification which violates the FCRA 's Notice to consumer, that, " If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ''
Product: Checking or savings account

A trust account was established by my mother making JP Morgan Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Vice President & Trust Officer XXXX the Trustee of the Trust. 
On XX/XX/2021 I requested that this account be termination early as per Paragraph C in my mothers will. 
3. Early Termination Provision. Notwithstanding any other provision of this Paragraph 3, the Trustee may terminate the trust for my son in whole or in part at any time if in the Trustee 's discretion ( ii ) for any other reason early termination is in my son 's best interests. That portion of the trust estate as to which the early termination applies shall be distributed to my son. 
I put in a written request to JP Morgan to terminate this account and it was presented to the Board of Trustee 's and it was denied because my justification wasn't strong enough. I even requested a partial termination and it was denied. 
I am XXXX XXXX  and do not have very long to live and I need to get my financial affairs in order before I XXXX. I need money for medical expenses, funeral expenses current debts and taxes that I need to pay for before I die. The intent of the Trust appears to be more for the best interest of JP Morgan than for the benefit of me. If a XXXX man 's request for funds is not good enough, what is?
Product: Credit card

I've consistently made timely payments on this account, ensuring they're never overdue. I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Consumer Loan

I have several loans with Navy Federal Credit Union. I have a vehicle loan of which they are trying to deceive me every month by stating that I have to pay the next months car payment in the present month which will if im not paying attention I will pay 2 months because they 're trying to make it seem as if my payment is more than it really should be for the month. My normal car payment should be almost XXXX per month but I always pay XXXX. This month my car payment amount on NFCU website says this : Payment Due Due XXXX/XXXX/2016 PAY {$780.00} I copied it from their website. I contacted the NFCU and their representative stated that if you do n't pay your payment before the XXXX that the computer automatically changes your due amount to include the next months payment to include both which will have you payment amount being 2 months. Surely this ca n't be legal if I were an elderly person and just paid what was on the website who knows how much money they would take from me. I would like for NFCU credit union to stop misleading me by sending incorrect amounts for me to pay every months on statements for all of my accounts that I have with them I 've asked them to send the correct amount yet they still continue to send the incorrect amounts to me. I think that the Navy Federal Credit Union should be fined for this type of behavior. In the past they would never do something like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX