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

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Dear cfpb, I am writing to inform you that the debt collection practices in which rent recovery solutions has practiced are in violation of several laws, including the Fair Debt Collection Practices Act ( FDCPA ) and California state laws. 

Firstly, this agency has engaged in false representation by misrepresenting the amount of debt I owe, threatening to take legal action that you can not legally take, and using deceptive tactics to intimidate and coerce me into paying. This is a clear violation of the FDCPA, which prohibits debt collectors from making false or misleading statements in an attempt to collect a debt. 

Secondly, this agency has threatened to sue me in a non-home state, which is also a violation of the FDCPA. The law prohibits debt collectors from threatening legal action that they can not legally take, and from initiating legal proceedings in a jurisdiction that is inconvenient for the consumer. 

Finally, this agency has violated California state law restrictions on debt buying and selling. The law requires debt buyers to be licensed by the state and places restrictions on the types of debts that can be bought and sold. It appears that your agency has purchased my debt in violation of these regulations. 

I demand that you immediately cease all collection efforts and remove any negative information from my credit report. Failure to comply with these demands will result in legal action being taken against your agency. 

Please be advised that I am aware of my rights under the FDCPA and California state law, and I will not hesitate to take legal action if necessary to protect those rights. 

Sincerely, XXXX XXXX
Product: Checking or savings account

The complaint is about Simple Bank a " branch '' of BBVA USA ( https : //www.simple.com/ ) I received my direct deposit from my employer on XX/XX/2021, but the money didn't show up in my account. 

I talked to my employer and they provided the paystub that corroborates the deposit ( I'm attaching it to the complaint ). 

I called the bank in question and after multiple attempts and almost two hours of wait, an agent answered and said that they can't see the transaction that I need a 15-digits tracking number, but the paystub doesn't have it. I requested the tracking number from my employer which they requested to XXXX ( the company managing the direct deposit ). 

However, I haven't been able to contact my bank again at all. In these COVID times where it's already hard to earn money stuff like this worsens the situation. 

I have bills, credit card payments, and a family to provide.
Product: Debt collection

I left a month early on my lease and I had discussed this with the front office and they said that it was okay and that they had another person to lease it to. Since then I have been contacted to pay a debt of XXXX and then I recently received a notice that i owed almost XXXX. I have tried disputing this with the bureaus because the amounts have grown when they should have been nothing to start with and now they are absorbant. Even charging me for court costs for something that has never gone to court even. Please help me to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked these companies transunion and equifax repeatedly to remove these inquiries because they are not mine and Ive done the steps required and the inquiries still are on my credit report. 
On XX/XX/2022 On XX/XX/2022 On XX/XX/2022
Product: Credit reporting or other personal consumer reports

This is my second time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX Balance Owed : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Last night I received a report from a credit monitoring service that I maintain, that said I had a hard inquiry made to my credit report and it cuased my credit score to take a dip. I am alerted when this happens as I like to maintain excellent credit and want to be on watch for fraud, identity theft and other issues. 

An organization by the name of " US Bank Consolidated '' made an inquiry on XXXX XXXX 2023. I did not apply for credit with this bank. Its lists an address of XXXX XXXX XXXX XXXX XXXX, ND XXXX. I have disputed this on my XXXX account but it is concerning. 

That was followed up by an email to my email account this morning claiming that I opened a credit card. It said : " Congratulations, XXXX, on your new credit card! You have been approved. To get the most out of your card, enroll in online banking or download the U.S. Bank Mobile App. The app lets you move money around effortlessly, lock and unlock cards, pay all your bills with one secure password, and so much more. You can even bank by voice or text with the U.S. Bank Smart Assistant. Download our app today. 
Download on the App Store, Get it on XXXXXXXX XXXX About your new card : Your card will arrive by mail in about 7 days. Be sure to activate it that will boost your cards credit line to {$2000.00}. If you requested a balance transfer, youll receive a letter with information about your request. Thank you for choosing U.S. Bank. '' When I tried to call the number for US Bank, it asked me for the last four digits of my social security number so I hung up. 

When I looked at my credit file it appears that yesterday someone also tried to open a credit account with Bank of America, also on XXXX XXXX 2023. That was another hard credit inquiry. That address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I am disputing this one as well on XXXX. 

I XXXX " US Bank '' as I had never heard about them and found out that after a five year investigation your organization ( which is how I learned of the existence of this organization ) fined them millions of dollars for making unsolicitaed/unapproved hard credit inquiries and opening credit facilities on unsuspecting consumers. I guess they are at it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are refusing to remove fraudulent information from my credit report. I have submitted all proper documentation under the law - and yet they refuse to remove the info.
Product: Mortgage

We began to fall behind on our mortgage in XX/XX/XXXX, we contacted Caliber, they appear to be very helpful and let us know we can take our back mortgage and divide it out over a 3-month period. You pay your current mortgage and part of your past due. We were given a new due date ( the XXXX and not the first ) so we are making our payments on the correct date, what they did not disclose is that even though we were making our payments on the new given date of the XXXX they were reporting it as late because it was not on the first. In XX/XX/XXXX we then went to them and did the mortgage modification plan, again, set up with a new due date. If all payments were made on time your mortgage was modified and you were given a lower mortgage. But is the Caliber style, the payments showed up as late. We now have ( 4 ) 120 days past due on our credit. We sold our home in XXXX XXXX and our mortgage was paid in full. I have contacted them several times, disputed this with not only Caliber but also the credit reporting agencies, they refuse to take the inaccurate reporting of late payments off our credit report preventing us from purchasing a new home. They take advantage of people desperate to save their homes and trap you in your mortgage with them because you cant get a loan or refinance with anyone else due to their predatory practices. We even tried to purchase a new home ( we moved our of XXXX  to XXXX  ) they offered us a new loan, but in the Caliber style of things, 30 % down, an interest rate at 8 % and over {$10000.00} in closing costs. We worked with Caliber for one year trying to get our mortgage on track, followed exactly what they said to do, paid on the days given to us by them and they destroyed our credit. If you are {$1.00} behind, they will report you over and over. They are unethical and prey on vulnerable people. I am shocked there has not been a class action law suite against them.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Clarity Services XXXX Experian, XXXX and XXXX credit reporting agencies, 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 the accounts below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - {$2200.00} - Listed as opened XX/XX/XXXX - Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - Routing XXXX - Account XXXX XXXX XXXX - XX/XX/XXXX - Routing XXXX - Acct XXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Acct XXXX XXXX XXXX - XX/XX/XXXX - Routing XXXX - Acct XXXX XXXX XXXX  - XX/XX/XXXX - Routing XXXX - Account XXXX 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 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

On XX/XX/2023, I mailed Experian, XXXX and XXXX my FTC Report. Also my License. I am a victim of identity theft. I have fraudulent accounts reporting on my consumer reports. I will be filing a civil suit to address the illegal activity from these credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX    XXXX {$5800.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$110000.00}
Product: Credit reporting or other personal consumer reports

Contacted all companies that I have related inquiries with. All companies responded that Inquiries are factual data
Product: Credit card or prepaid card

I purchased  US Bank pr epaid Mastercards #  XXXX  and  XXXX  with initial value of {$200.00} in  XXXX   XXXX .   I opened packages with these cards in  XXXX   XXXX  and discovered that money has already been stolen from these cards in  XXXX  and  XXXX   XXXX ! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted the merchant (  XXXX  ), they found these transactions and said that money have been transferred to a fraudulent  XXXX  account. They suspended that account, but according to  XXXX  they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.
Product: Credit card or prepaid card

I have SunTrust Credit Card /Master Card number ending XXXX. 
In the Month of XX/XX/XXXX Statement I have seen charges by XXXX XXXX XXXX XXXX for {$720.00} on from XX/XX/18 ( and later another charge from same company for {$28.00} on XX/XX/XXXX ) hence contacted SunTrust customer service to report fraudulent activity on XX/XX/XXXX. I have received letter from SunTrust on XX/XX/XXXX stating case No XXXX and advised that charges will be removed from my account. Subsequently I have received letter which was mailed on XX/XX/XXXX stating that there investigation indicated that I have participated and or received benefits hence claim denied and charges reinstated on my account. 
I have called and spoke to Fraud Assistance center again on XX/XX/XXXX and asked them to share documents which they have received from XXXX which indicates that I have received services but till date I have not received any information from SunTrust. 

Mean time I was able to contact XXXX and was told by them that it was not me but some one with similar first and last name received services from XXXX ( based upon XXXX preferred number and driving license / email / phone number ) but they can not do any thing as case has been disputed with bank. 

I have visited SunTrust local branch on XX/XX/XXXX and submitted further documentary evidence to prove that I was in another town interviewing for my job and rented car from another car rental company including my hotel / flight reservations details and other documents to prove that this was not me who rented car from XXXX and it is a fraudulent activity hence I should not be liable for any charges as per card issuing agreement with zero fraudulent liability. 

Since I have not heard any thing from SunTrust back, called again there Fraud Assistance center on XX/XX/XXXX around XXXX XXXX and spoke to agent XXXX who re-escalated my claim and asked to call back in 24-48 hrs. She also told that some one from SunTrust will contact me regarding this soon. 
There was no call from bank hence I have called again Fraud Assistance center of SunTrust bank and spoke to XXXX around XXXX XXXX   on XX/XX/XXXX but she told me that case has been closed on XX/XX/XXXX and denied.
Product: Mortgage

In XXXX of 2016, I was given incorrect information from my bank ( XXXX ) in regards to whether a mortgage payment to Seterus would clear. XXXX told me that the payment would clear. The payment ended up not clearing. XXXX has acknowledged that this was their error in writing. After reaching out to Seterus numerous times, I was not able to get a clear answer in regards to why the payment did not go through i.e a supervisor told me that it was not due to insufficient funds it was due to a typographical error. I received misinformation from Seterus every time I called constantly for a month. Due to this the XXXX payment was applied on XXXX XXXX, 2016. 1 day late from the 30 day reporting guideline. They record all of their phone calls. I have requested several times that they produce the recorded conversations that I had with their reps. I am confident if anybody heard these conversations it would be clear that the late payment was due to their inability to give me accurate information in regards to my account status. To make matters worse, I am currently in the middle of a refinance on my home and this 30 day late has raised my interest rate almost .50 percent. This will cost me XXXX of dollars over the life of my 30 year mortgage. I have tried contacting Seterus several times in regards to this matter. Their reply has been " We apologize for giving you incorrect information '' however it is our policy to report accurate information to the credit bureaus '' and we deem the information we reported to be accurate. '' If anyone listened to the incompetent people working for Seterus on their customer service lines it would be clear that they are unsuitable and unfit to be a mortgage servicer for XXXX and XXXX XXXX mortgages. This company should be thoroughly investigated on there customer service practices. It just cost me XXXX of dollars due to the inability of Seterus to service my loan fairly and accurately.
Product: Mortgage

US Bank forced placed lender sponsored XXXX XXXX  insurance on my account for a XXXX lapse that occurred while the property was transitioning from construction status to occupancy. The forced insurance was placed at a predatory cost of nearly XXXX XXXX of market pricing and not until XXXX months after the lapse began and XXXX months after I had secured my own private policy. The cost of the policy is {$8500.00} for XXXX months!!! The lapse began in early XX/XX/2024. The new private policy I purchased was effective on XX/XX/2024. The forced-placed policy was imposed on me on XX/XX/2024, which is more than XXXX months after my private policy was secured and XXXX months after the lapse began. So, I am effectively being charged XXXX times the market price for a policy that wasn't even in place during the relevant lapse period and for a window of time during which there was no insurance claim made on the home. This is XXXX XXXX behavior that victimizes unsuspecting and/or helpless consumers and it must be punished. Completely unacceptable.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation name
XXXX XXXX  FRCA Violation loan
TD AUTO FINANCE
FRCA Violation collection
XXXX
FRCA Violation loan
XXXX XXXX XXXX  FRCA Violation enquiries
XXXX XXXX XXXX  Inquiry: XX/XX/XXXX
Bank XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry: XX/XX/XXXX
Finance/Personal
XXXX XXXX
Product: Mortgage

They charged me 3 times for the month of XXXX and are typing to charge me again for the month of XXXX and XXXX. When I show them back statements and my bank confirms the payment they refuse to refund my payment. They have been no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open delinquency from Bonneville Collections that lists XXXX XXXX XXXX as the original creditor. The only time I've worked with XXXX XXXX XXXX was nearly 3 years ago when I moved out of a home that I rented from them. The company asked me to move out and I moved out as per their request and left the house in considerably better condition than it was when I moved in. My rent was paid in full and they never returned my deposit. The company has not attempted to contact me in any manner. I have had the same phone number for 6 years and have put in official change of address with the post office so if they had mailed me anything, I would receive it. There is absolutely no reason I should have an open account with them. Please investigate and remove from my report. I am working very hard to repair my credit and this has set me back incredibly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  
TO WHOM IT MAY CONCERN
I recently received a copy of my Experian credit report, 
and I noticed a late payment  posted on my credit report for the company below:
XXXX XXXX
ACCOUNT NUMBER XXXX
LATE PAYMENT DATE XXXX 
Your company is in clear violation of the law. Under 15 USC 1681b- Permissible 
purpose of consumer reports. The LAW CLEARLY STATES:
(A) In general
Subject to subsection (c) Any consumer reporting agency may furnish a 
consumer report under the following circumstances and no other:
(2) In accordance with the written instructions of the consumer to whom it 
relates.
I did not give any written or verbal consent to furnish this information on my report.
Furthermore, the fair credit reporting act 15 USC 1681 (2) (a) (i) exclusion from a 
consumer credit report clearly states
(A) EXCLUSIONS- Except as provided in a paragraph (3), the term consumer 
report does not include - 
(A) Subject to section 1681s-3 of this title, any - 
(I) Report containing information solely as to transactions or experiences 
between the consumer and the person making the report:
Reverse the above late payments from my consumer report, this agency is in 
violation of 15 USC section 1681
Failure to respond satisfactory with reversing of the above referenced account, 
and send out a free copy of my report after the changes have been made will 
result in legal actions being taken against your company, for which I will also be 
seeking $1,000 per violation for:
1. Defamation of character (per se)
2. Negligent Enablement of Identity Fraud
3. Fair Debt Collections Practices Act 15 USC S 1692g violations
4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliances616 Civil liability for willful noncompliance [15 USC S1681n]
Best Regards,

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Debt collection

This debt of {$100.00} is not mines, I did not have service with this company.I dont have much more information then this.
Product: Money transfer, virtual currency, or money service

on XX/XX/2018 i send a XXXX dollar cash money from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ohio XXXX to my wife n son in XXXX for our fastival XXXX but .when i send that they give me tracking number and i give to that to my wife n she went to XXXX  store in XXXX  to take that out but they not give her after that i call consumer services number in united states but they say me some XXXX try to fraud n scams that n they declined that transaction.then refund me that money back but they say me me not allowed to send any more money from america to XXXX for anyone.i try next day from other stores but there also it show transitions not allowed.