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

XXXX XXXX keeps stating that the account is valid and belongs to me despite the submission of the FTC Identity report and request of documents validating that I signed up for the account. They have failed to provide me with documents I requested.

All they do is sent a copy of a statement bill and the credit bureaus sides with them and claim the debt is valid.

I'm requesting the documents listed below be shared with me. I want to know how have they been validating the accuracy of the account. I've never owned this account.

Im exercising my rights under the Fair Credit Reporting Act, Section 609 and demand to see the following pieces of information : Original consumer contract with my written signature on it Pay off Disclosure Interest Rate Disclosure Payment History Statement Balance History Statement Credit Insurance Please let me know if you need any additional information. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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 Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00}.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX has gone bankrupt and has transferred my personal line of credit ( variable ) to a fixed rate 5 year loan through XXXX. I submit that this debt should be invalid now that it has been transferred, as changing the loan to a fixed 5 year loan violates the terms of service that I signed up for through Tally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$230000.00}
Product: Credit reporting

I can not access my credit report electronically in any form, meaning through Equifax directly or any credit monitoring service. Equifax offered to send me a paper copy but did not fix the fact that I can not access my report electronically, nor can some creditors. I have a right to be able to access my credit report electronically. Equifax must fix this. I ca n't monitor my credit if they do n't which causes me substantial harm.
Product: Mortgage

I'm a residence of New York XXXX XXXX the hardest hit by XXXX, I am also a father of XXXX .I have been hit with a financial hardship after I been tested for XXXX we are down to single income ( PLEASE KEEP CONFIDENTIAL ). I will be sending my kids to live with their mother. When i am in self-quarantine i have reached out to all my creditor to explain my situation. I have tried many times to reach out to PPH/Ocwen but with no help. Please I am asking for the help of PPh/Ocwen.
Product: Checking or savings account

I'm writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXX XXXX  XXXX Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with XXXX XXXX. XXXX. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : XXXX XXXX XXXX XXXX : Protection of personal information. 
XXXX XXXX XXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX XXXX XXXX XXXX : Disclosure of privacy policies. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : Accuracy of credit reports. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Exclusion of certain transactions from credit reports. 
XXXX XXXX XXXX XXXX : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : XXXXXXXX XXXX XXXXXXXX This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You XXXX contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have not received any goods or services from you all nor do I intend to. I have no intentions of any contractual obligations with you all in the further as well. Please consider this as " notice ''. Any reporting to my consumer report to any of the consumer reporting agencies will be direct violation of Section 623 ( A ) ( 1 ) ( A ) ( B ). Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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, ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency. VANCEHUFFMAN with account # XXXX and a balance of XXXX. I am kindly asking for you all to cease and desist or I will take legal action for you violating the law. The correspondence received did not fulfill any of my prior requests. All that was received was an unsigned contract from another company. Furthermore my wet ink signature is nowhere an any document you sent me
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX I got several email from XXXX asking if I changed my password. Before I could open the email I lost phone service. Seeing as I was at home I got on my wifi and the emails that came in stated that my XXXX password has been changed. Th next emails I got were from coinbase saying someone had accessed my account from a windows 10 device. Seeing as I was at home I tried calling coinbase from my wife 's phone to put a block on my account ; I could not reach a rep and waited on hold for 1 hour and 30 mins. I went to a XXXX store that was still open and explained to the representative that somehow my phone lost service and that someone was changing my passwords. The rep was able to verify my identity and change my SIM card back to my phone. Within the hour my coinbase account was hacked and all my money was stolen from my account. Even though I called coinbase in time they are not trying to refund me any of my money and are even trying to tell me that I owe them money when they have confirmed that I did not authorize or make any of these transactions. My whole life saving was in my coinbase account and they are telling me they can't do anything.
Product: Mortgage

This is follow-up for Combined Complaint # : XXXX and XXXX. My second complaint is NOT a duplicate as you state ; it is instead a complaint about the way the CFPB basically shrugged off my original complaint against US Bank Home Mortgage. I was told by the OCC to readdress you again because according to the OCC, the CFPB IS supposed to investigate this matter. Your representative said the CFPB does NOT investigate this matter. Update : XXXX XXXX, 2017 US Bank replied to my reply letter. US Bank continues to state is has no responsibility in correcting our credit reports after it took 15 months to finally approve a loan modification. We directly refute this with proof in our complaint. US Bank simply denies it ever made any such claims of correcting our credit reports -- it further claims it deleted all documents that would support its claim. Basically, US Bank offers zero proof that it is innocent of the complaint we have made. US Bank cites that it is required by law to provide accurate reporting to the credit bureaus. No one is disputing that US Bank IS INDEED required to report accurately ; what we are disputing is ... .that they failed to correct what they said they would correct ... our credit reports!!
Product: Credit reporting or other personal consumer reports

Credit acceptance is a auto lender. I had a loan through them started in XXXX. I fell behind on payments which resulted in a repossession in XXXX. Now in XXXX, I've contacted them regarding a pay off settlement to be a reduce amount of XXXX $ and in return my balance will be XXXX $ and will not owe the {$1800.00} that was left on the loan. Also, the time period of a repo being on your credit for 7 years is expiring for me this year. So I figured I might as well settle a payment so I can get it possibly deleted faster. It is already a closed account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Equifax for their failure to respond to my dispute within the legally mandated 30-day timeframe, as required by the Fair Credit Reporting Act ( FCRA ). On XX/XX/, I submitted a dispute letter to Equifax addressing inaccuracies in my credit report. The items in question include : 1. XXXX - XXXX 2. XXXXXXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX 4. XXXX XXXX XXXXXXXX - XXXX 5. Bankruptcy Reference Number : XXXX Additionally , I raised concerns about incorrect personal information such as names and addresses. Despite my timely submission of the dispute, I have not received any response from Equifax as of today. This is in direct violation of the FCRA, which requires credit reporting agencies to investigate and respond to disputes within 30 days. I am attaching a copy of the dispute letter sent to Equifax as proof of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan when purchasing a new vehicle - I obtained financing thru XXXX XXXX, the dealer also ran my credit with XXXX XXXX who in turn used XXXX XXXX - I received a letter today stating I was denied credit with XXXX XXXX via the XXXX credit report showing my score of XXXX. My current credit scores are XXXX, XXXX and XXXX - I am a XXXX XXXX XXXX XXXX XXXX XXXX and I am also in the XXXX XXXX and keep a close watch on my score. I have no idea where the XXXX is coming from and I feel it is incorrect and false reporting in order to charge higher interest rates. They stated the reasons for a low score were as follows : LIMITED HISTORY AT THIS PHONE NUMBER - I HAVE HAD IT FOR OVER 18 YEARS LIMITED CREDIT HISTORY - I HAVE TWO CARS, A MORTGAGE AND CREDIT CARDS THAT ARE PAID MONTHLY AND ON TIME LENGTH OF TIME AT RESIDENCE TO SHORT- I HAVE OWNED AND BEEN IN MY HOME FOR 11 YEARS TOO FEW ACTIVE ACCOUNTS- I HAVE TWO AUTO LOANS AND OVER 10 REVOLVING ACCOUNTS FOR OVER 5 YEARS I believe both XXXX XXXX and XXXX are at fault. I understand scores can be slightly different but definitely not by 100 points. These kinds of practices are unfair to a consumer especially if I was a consumer who did not understand how the credit score system works.
Product: Credit reporting, credit repair services, or other personal consumer reports

paypal synaynay bank put credit inquiries on all three credit reports!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Experian to cease and desist from reporting XXXX on my consumer report because it was done without my consent. This is a violation of my privacy and identity theft. 

In 15 U.S. Code 6801 - Protection of nonpublic personal information, according to the US XXXX : It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

As provided under 15 U.S. Code 6802 every consumer has the right to privacy. And they should be given the option to opt out of disclosures. I have notified XXXX to cease and desist from furnishing nonpublic personal information to all XXXX Failure to delete this item is a violation of my consumer rights laws. This is a secondary notice to Experian to delete this item immediately from my consumer report. Failure to do this is a violation of my consumer right.
Product: Credit card or prepaid card

Bank of America credit card offer.   In my case, BOA charged me a $XXXX "minimum interest fee" when none should have been charged.  I have paid the amount due, in full, on my XXXX and XXXX statements.  My XXXX XXXX statement said I had a balance due of $XXXX, due XXXX XXXX.  I paid the amount due, in full, on XXXX XXXX.  During XXXX I charged nothing on my BOA card, but did make use of a 0% interest balance transfer offer, that had a 4% fee associated with it.  That balance transfer cleared my account on XXXX XXXX and the 4% transfer fee was posted on the same day.  My XXXX statement said a minimum payment of $XXXX was due on XXXX XXXX.  I paid $XXXX on XXXX XXXX.  My XXXXXXXX XXXX  statement has a $XXXX "Minimum Interest Charge".  HOW in the world can BOA charge me any interest when the only money owed them is from a 0% interest balance transfer that a paid a 4% fee to do?  Completely inappropriate.  I called BOA today and they said they reversed the $XXXX.  However, I write you because what if BOA has done this to perhaps a million other customers that took them up on the balance transfer offer?   It's not really the the $XXXX that causes me to write you, but rather the principle that I paid  4% fee to get zero interest - and then they charged me interest.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian in action, violates federal law, and my rights as a consumer.
Product: Checking or savings account

I tried to open an account with Chime on XX/XX/2021 and was rejected based on information from a 3rd party.

After inquiring about the reason and the information of the 3rd party so I could direct potential questions to the 3rd party, Chime insisted in both refusing to give me a clear reason nor the information of the 3rd party they based their decision on.
Product: Credit reporting or other personal consumer reports

I was promised to receive whatever was left over from a reverse mortgage from my parents ; the decedents died, fraudulent activity occurred from XXXX XXXX XXXX  and was transferred to Bank of New York where the fraudulent reverse mortgage continues. Myself, being unable to afford a lawyer, has pursued this investigation on my own for several years ; and the case is still open. I am known as the Unknown. I am suffering from XXXX, need closure and my demands met.
Product: Checking or savings account

I was a Citibank customer for more than a decade. The checking account was opened as a Total Free checking according to the contract and I had been using the checking account for years without any fees being imposed on the account. Several years ago, I switched to XXXX but didn't close the Citibank accounts. The Citibank bank accounts were inactive for several year since I switched to XXXX. I did not received any notifications on changes of service/fees on the checking account until couple months ago, out of total surprises, Citibank bombed me with many notifications asking me to pay $ XXXX monthly service fee - confirmed with customer service that the entire {$920.00} was monthly service fees accumulated over years when the account was inactive. 

I tried to resolve this issue by working with Citibank 's customer service, but have been unsuccessful. Citibank intentionally not to send me any notification earlier when the service fee balance was much lower - they have been secretly accumulating service fees on my account for years without any communication so that they can charge me a huge amount at once, without any agreement. 

I hope someone could help me to resolve this issue, but don't know where to go. Hopefully, publishing this horrible experience of mine with Citibank can help other consumers not to be victimized by this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXXXXXX XXXX XXXX bank ) XX/XX/XXXX XXXX XXXXXXXX ( bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX bank ) XX/XX/XXXXXXXX XXXX
Product: Debt collection

This Letter is in response to the correspondence received from M & T Bank on XX/XX/XXXX. 

I am writing to formally dispute that I owe this debt and raise serious concerns regarding the misrepresentation and unfair practices related to the contractual obligations that M & T Banking institution is attempting to enforce. This letter serves as notice under the XXXX provisions, as well as a promissory estoppel and cease-and-desist request regarding further collection efforts. 

Attached is a sworn affidavit outlining the specific details of my claims and confirming the factual inaccuracies in the amended contract. Also, attached are both signatures from the amended and original contract. This affidavit, alongside the protections afforded to me under the FTC guidelines, supports my position that your collection attempts are baseless and unlawful.

I hereby demand that M & T Banking institution : 1. Cease and desist all collection efforts immediately regarding this disputed obligation. 
XXXX. Release the title to me for my XXXX XXXX XXXX currently being held unlawfully. 
XXXX. Return total amount paid by me on XX/XX/XXXX through XX/XX/XXXX totaling {$75000.00}
Product: Credit reporting or other personal consumer reports

This was an I identity theft account from XXXX XXXX account that was cancelled by XX/XX/XXXX due to fraud and identity theft and experience has removed the account but XXXX refuse to remove the fraudulent account and does not investigate the the account directly with XX/XX/XXXXXXXX to delete and remove the account. I did but consent to XXXX to report this fraudulent account on my credit report. I request this account be removed in 4 to 5 business days due to the credit law from section 15 usc 1681c-2. I have disrupted this XX/XX/XXXXXX/XX/XXXXXXXX account with XXXX over 7 times and they are not following credit laws. Please have them deleted XX/XX/XXXXXXXX account number XXXX asap. Thank you. And also Equifax credit bureau is not properly investigating the XX/XX/XXXXXXXX account.