23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a correspondence from American Coradius International LLC, indicating that I owe {$60.00} dollars to XXXX. This is not accurate as I have attached my recent transactions with XXXX. XXXX has been informed of this and this company has been continuously contacting me. Furthermore, I have also requested XXXX to investigate this fraudulent transaction.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX XXXX Bal. {$130.00} XXXX XXXX XXXX Bal. {$220.00} XXXX XXXX XXXX Bal. {$1400.00} XXXX XXXX XXXX Bal. {$2000.00} XXXX XXXX XXXX Bal {$2900.00} XXXX XXXX XXXX Bal {$4400.00} Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX  data breach so this past summer I sent a letter to the bureaus expecting all of the inaccurate items to be removed from my credit report. NO RESPONSE smh now again in XXXX I send another letter with ( you guessed it no response ) and I believe they're taking advantage of me. It's been well over 30 days again and I think it's time for you to fine them and force them to take these items off of my credit report. I've did everything I can to reach out to them so hopefully you can have better luck than me. They're violating my consumer rights and stopping me from getting new credit
Product: Debt collection

I have ask this company to sent me a detailed bill. Never received the bill, so I called again and they had sent it to the wrong address. Rep was rude over the phone. I called back to speak with her supervisor and she was on break. on a later date I called back again and gave them a correct address, its been a month and I still did n't receive the detailed bill. Got a call from my rep and she was rude and improper about the situation again. I had to hang up on her.
Product: Debt collection

XX/XX/XXXX called Midland Credit Management to set up payment arrangements of {$50.00} a month for 3 months starting XX/XX/XXXX. XX/XX/XXXX I made {$50.00} payment and today XXXX/XXXX/XXXX got a letter saying that agreement was voided. 

Called MCM and they could n't offer any explanation as to why it was voided. All they would say is that they received payment in XX/XX/XXXX. When I set up this arrangement it was because they told me that if I did not make arrangements to pay than this pre legal account would go to their legal department. 

It seems like they voided the agreement that both me and midland credit management agreed to in the hope that I would n't find the letter and be taken to court! 

I set up another arrangement but fear that this too will be voided like last time and i notice it too late
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was contacted through XXXX by a person named XXXX. They explained how they have an investment opportunity in crypto currency, all i would have to do is open an account on their website ( XXXX fake website/trading platform ) and deposit my funds using XXXX. 
XXXX explained how they had been making a lot of money using a certain trading strategy that they have a team that will do the trades for me. After convincing me to try it, on XX/XX/year> I sent {$20000.00} from my PNC Bank account to XXXX. XXXX told me to buy the currency Tether and send the Tether to the website ( XXXX ), after fees it came to be {$19000.00}. After doing this, I could see the funds on their website, the same day funds started to grow after following XXXX 's instructions. Every trade they showed me was a profit. They explained to me if I put more into the account it could grow even more. After a week of profits they convinced me to add more money. On XX/XX/year> I deposited another {$21000.00} and used the same method to send {$20000.00} Tether to XXXX. 
On XX/XX/year> i attempted to withdraw money from XXXX  and it was declined. The same day I received a email from XXXX stating that my account had been locked and that I needed to invest another {$44000.00} in XXXX in order to unlock the account. The email also stated that if I did not do so quickly, the amount they claimed was due would increase {$100.00} every day. I attempted to recover the funds but had no success. Found later on that the funds were sent to XXXX a Crypto Currency Exchange. I tried sending several dispute letters to XXXX, XXXX, and PNC with no progress.Date : XX/XX/year> XXXX XXXX  - XXXX USDT_ETH Transaction hash : XXXX Sending address : XXXX XXXX deposit address : XXXX Date : XX/XX/year> XXXX XXXX  - XXXX USDT_ETH Transaction hash : XXXX Sending address : XXXX XXXX deposit address : XXXX
Product: Vehicle loan or lease

I was two months behind on my vehicle loan due to my family catching COVID and me being out of work over a month. On XX/XX/XXXX I created a catch up plan ( as they call it ) with Ally Financial. The email that they sent stated, Once complete, you will return to your regular monthly payment schedule. I paid the 4 payments of {$830.00} ( the amount set by them ), each month on the due date agreed upon. My last payment was made XX/XX/XXXX. They are saying I am still behind on my auto loan. I owe for XXXX and all of the late fees that were continuing to be charged during that time, so they were not figured into my repayment. Ultimately I have successfully completed my part of this repayment plan and I am still behind. I feel all missed payments and fees I was being charged should have been figured in to my catch up payments, so that at the end I was indeed caught up like they stated in their email that I would be. These practices by them are predatory and misleading. They are now asking me to make another payment for XXXX. I stated several times to the customer service person that I wanted to file a formal complaint with them and that it should not be called a catch up plan if Im fact you are not caught up at the end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Equifax less than 36 hours ago with you the C.F.P.B. and my credit score dropped XXXX points. 
Nothing on my report has changed, yet my score dropped XXXX points. 

I say nothing has changed or happened except the complaint I made against Equifax which is true but in all fairness this happens all the time. 

By this happens all the time, I mean my score drops all the time by XXXX to XXXX points without any explanation as to why. 

Not a big deal unless you 've spent the last 8 years trying to get your score fixed like I have and these little score hits happen every month. 

XXXX points each month equal up to be XXXX points each year! 
It would make more sense if I did n't pay them each month for the ability for me to check my score daily if I want to, but I do pay them for this lousy service and have. 
I 've had this monthly subscription with Equifax since XXXX. 
paid them {$20.00} each month, {$240.00} each year and over {$1000.00} since XXXX ( give or take a few months )
Product: Credit reporting or other personal consumer reports

The following credit card account from XXXX XXXX XXXX  currently listed and showing on my XXXX XXXX, Experian and XXXX credit report : XXXX is not my account. I never applied for the XXXX XXXX XXXX  credit card account. Its a fraudulent credit card account and I did not apply for the credit card account. The following hard inquiries currently listed and showing on my XXXX XXXX, Experian and XXXX credit report is fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

am filing a formal complaint against Equifax for failing to conduct a proper investigation into disputes I submitted regarding inaccuracies in my credit report. 

Despite submitting supporting documentation and clearly identifying the inaccuracies, Equifax has repeatedly responded within 24 hours stating that the accounts in question are accurate. These rapid responses strongly suggest that no meaningful or reasonable investigation has been conducted, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The FCRA mandates that consumer reporting agencies conduct a reasonable investigation when a dispute is filed. Equifaxs failure to do so not only violates this provision but may also constitute an unfair or deceptive practice under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This pattern of behavior is consistent with the findings in a recent CFPB administrative proceeding regarding inadequate dispute resolution practices. 

I respectfully request that this matter be investigated and that appropriate enforcement action be taken to ensure compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding two closed accounts and three unauthorized inquiries on my credit report. I believe that these items violate the Fair Credit Reporting Act ( FCRA ) as well as the 15 USC 1681 statute. 

The closed accounts are as follows : XXXX XXXX XXXX XXXX, which was opened on XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, which was opened on XXXX XXXX XXXX 

I DEMAND that these closed accounts be removed from my credit report as they are no longer active and are therefore not relevant to my current credit status. 

In addition to these closed accounts, there are three unauthorized inquiries on my credit report, which were made by XXXX XXXX XXXX  on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I did not authorize any of these inquiries, and I request that they be removed from my credit report as they are negatively impacting my credit score and creditworthiness. These items violate the FCRA and the 15 USC 1681 statute, and I request that you investigate this matter and take appropriate action to rectify the situation. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax regarding their handling of inaccurate information in my credit report. Specifically, I believe Equifax has violated consumer protection laws by enabling debt collectors such as XXXX XXXX XXXX and XXXXXXXX XXXX to continue reporting on debts they have failed to properly verify and debt that include unfair, inaccurate and misleading information despite having filed multiple complaints with over the years. These credit reporting agencies have failed implementing protocols that protect consumers, and continue reporting on disputed debts without properly investigating disputes : This makes it easier for debt collectors to use unlawful tactics to target, abuse and damage consumers credit worthiness while knowingly violating consumer protection rights The following issues highlight my concerns : - 15 U.S.C. 1681i ( a ) ( 1 ) : This section requires consumer reporting agencies to conduct a reasonable investigation of any dispute concerning the completeness or accuracy of any item of information contained in a consumer 's file. 
- 15 U.S.C. 1681i ( a ) ( 6 ) : This mandates that after a reinvestigation, if the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must promptly delete the disputed information from the consumer 's file or modify it as appropriate. 
- 15 U.S.C. 1681g : This requires consumer reporting agencies to provide the consumer with a notice of the results of the reinvestigation, including the specific reasons for the determination when the reinvestigation does not result in a change to the consumer 's file. 
Unethical Acceptance of Furnisher data : Seems to rely solely on furnishers responses without verifying their accuracy, even when the information conflicts with the evidence provided. Also, failure to properly investigate Disputes : Inadequate investigations into disputes I filled as the inaccurate information remains on my report despite clear evidence provided These practices not only harm my financial standing but also undermine the protections afforded by the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws put in place to prevent these abuses by unethical and questionable debt collectors like XXXX XXXX XXXX, XXXX XXXX, XXXX among others. I request CFPB put a stop to these matters and hold these bad actors accountable for any violations of consumer rights.
Product: Checking or savings account

On August 15, some unknown accounts were taking money out of my checking account and they took XXXX XXXX but they took it out in small sums. This is the second time it has happened with these scam accounts and companies
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

Funded My Citibank off my 401k Plan through XXXX, my funds were in my Citibank were good for days until XXXX XXXX  now when I try to log into my banking app I'm suddenly locked out! I haven't even received the debit card in the mail yet and my account is already locked. CITIBANK IS PURE THIEVES! THEY JUST LOCKED MY ACCOUNT FOR NO REASON NO EXPLANATION
Product: Debt collection

XXXX refuse to delete this account off my credit report. I have requested them to send me debt verification. They keep sending credit card statements for debt verification. This isn't legal. I'm requesting them to place my debt verification on her so yall can see what they're sending.
Product: Credit reporting or other personal consumer reports

Agreed to settlement offer to a total of {$440.00}. The first payment of as least XXXX was due on or by XXXX XX/XX/XXXX. The total amount to be paid on or by XXXX XX/XX/XXXX. When I agreed to the settlement that was recorded when I was speaking with the agent he did not set the payment dates or state certain amounts. He made sure I knew by the XXXX that a payment was needed and the difference was due on or by XXXX XXXX. I scheduled a payment on XXXX XXXX but had to cancel it because my deposit did not happen. I then made a payment on XXXX XXXX in the amount of XXXX. Another {$270.00} payment on XXXX XXXX. The last payment was made on XX/XX/XXXX in the amount of XXXX. The {$440.00} was made between before XX/XX/XXXX and before XXXX XX/XX/XXXX. Now they closed my account but will not honor the settlement arrangement by settling the account for less and updating my credit file.
Product: Credit card

I sent payments to chase bank c/o chase ink which they are not honoring. i have sent 2 coupons back to the address card services which they said to send the conditional payments. chase has yet to credit my card and continues to report on my business acoount which i gave no authorization to do so.
Product: Mortgage

To whom this may concern, This notice of complaint against RoundPoint Mortgage is begin submitted to all regulators of the company.

This complaint is due to the mortgage lender not making tax payments in a timely manner, resulting in late fees and delinquency notices to be sent to me by the tax authority. I reached out to RoundPoint regarding the error and ended up paying the property taxes myself to avoid further legal action. This payment was over {$6000.00} that came from my bank account and should have come from the escrow that Ive been paying into in accordance with my responsibilities. 

I contacted RoundPoint several times beginning in XXXX. They admitted that this was a mistake on their end and that they would reimburse my account for the late fees and payment made, and send a check to me returning the {$6000.00}. It is now XXXX and this payment still has not been made. 

If I didnt make the correct payment that was owed, and continued to not pay for over a month, I would be charged large late fees as a percentage of my payment each day. And yet they have not paid an amount THREE TIMES what I typically would owe for OVER A MONTH and have no consequences for this.

This is unacceptable.

People do not have THOUSANDS OF DOLLARS laying around in excess to pay for the mistakes of mortgage servicers. I do not have thousands of dollars to fund RoundPoint for not doing their job. This money could have been accruing interest via various investment means and is creating further loss and damage to me each day.

These actions are in violation of the Pennsylvania Department of Banking and Securities ( DoBS ) 10 PA.CODE CH. 59 regarding timely escrow payment. 

Please advise corrective action. 

Regards, XXXX
Product: Mortgage

In XXXX or XXXX bought home through XXXX XXXX XXXX. After several years, We refinanced it through Conseco mortgage. Conseco then sold it to Green Tree Mortgage. After several years they sold it to Ditech. The home burned down in XXXX or XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX paid the home off to Ditech in XXXX, XXXX. {$33000.00}. Ditech continued to charge interest and we spent several hours on the phone with them every week. In XX/XX/XXXX, The insurance company issued another check to Ditech. They continue to bill us for back payment and interest, after several more months, Ditech filed bankruptcy but we learned through a customer service agent that they did receive the check ( certified mail ) and cashed it for the {$33000.00}, it is listed somewhere in our account, just never credited. We are now getting bills from XXXX XXXX company. Fast forward to today, we received a certified letter in the mail from a law firm, XXXX XXXX XXXX that they will be doing a substitute trustee sale on XX/XX/XXXX. ( The trustee is Green Tree ), selling the land. Hopefully getting in to see a lawyer his week, if everything opens again.
Product: Credit card or prepaid card

Given I signed up for an XXXX Credit Card, FNBO opened XXXX accounts, even though I only signed up for XXXX. I tried to address this issue with the bank but they said that they can close it but they are not willing to refund the 'Annual Membership Fee '. This was a mistake on the bank 's part because I only intended to sign up for XXXX credit card.
Product: Payday loan, title loan, or personal loan

I purchased a living room set ( XXXX ) approximately mid XX/XX/XXXX. I made a down payment of {$460.00} on XX/XX/XXXX. Financing the remaining {$1500.00} with " XXXX XXXX XXXX '' ( XXXX XXXX XX/XX/XXXX ). The furniture was delivered on XX/XX/XXXX.The agreement was {$180.00} per month for 3 months only to pay a {$40.00} fee if loan ( {$1500.00} ) is paid off in it 's entirety. I made 2 payments ( {$180.00} each ) XX/XX/XXXX & XX/XX/XXXX. I realized I was unable to pay the remaining balance of {$1100.00} in it 's entirety within the 90 days. I go back to my contract to review terms and conditions to realize I 'm going to Incur an exuberant interest rate of 130 % on the remaining balance. I did contact the lending company to verify this rate being accurate as the representative confirmed it was and that it was ok for them to charge me this ridiculous interest rate. XXXX XXXX XXXX where I purchased the set from actually filled out information online ( sight unseen ) on my behalf only asking me to confirm certain basic information such as name address bank account info excreta. I would have never guessed I was being set up for usury, because I would have never signed up for a 130 % interest agreement. This was never brought to my attention quite naturally because they would n't have gotten the sale. I communicated with the owner of XXXX XXXX and he completely denied any responsibility for the situation. Thank you in advance for your considerate attention in this matter.