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

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX - XXXX : {$470.00} Date of Account:XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/2024 **Subject : ** Dispute of Fraudulent Account Attempt No. XXXX Dear XXXX XXXX llc I am writing to formally dispute the fraudulent account attempt made in my name, which marks the XXXX  such incident involving your company. I have not opened any accounts with your organization, nor have I authorized anyone to do so on my behalf. This is a case of identity theft, and I request that you immediately cease any and all actions related to this fraudulent account and remove any associated information from my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to several protections regarding identity theft and fraud. Specifically : XXXX. **Right to Block Information : ** Section 605B of the FCRA grants me the right to have fraudulent information resulting from identity theft blocked from my credit report. I am requesting that you take all necessary actions to ensure that this fraudulent account is not reported to any credit reporting agencies. If it has been reported, I demand that it be removed immediately. 

XXXX. **Right to Notification : ** Section 615 ( g ) of the FCRA requires that creditors provide notification when negative information is added to a consumers credit report. If this fraudulent account has resulted in negative information being added to my report, I request immediate notification and the subsequent removal of such information. 

XXXX. **Right to a Copy of Application : ** As provided by Section 609 ( e ) of the FCRA , I have the right to obtain copies of applications and business transactions relating to the fraudulent account. Please provide me with copies of any and all documents used to open or attempt to open this account. 

Enclosed are the following documents to support my claim : - A copy of my government-issued ID. 
- A copy of the police report regarding this identity theft. 
- The FTC Identity Theft Report. 

I urge you to investigate this matter thoroughly and take swift action to rectify this situation. Additionally, please confirm in writing that this account has been closed and that any derogatory information related to this account has been removed from my credit report. 

Failure to comply with this request may result in legal action, as I intend to fully exercise my rights under the FCRA to protect my credit and identity. 

Please respond within XXXX  days from the date of this letter to confirm that this matter has been resolved. 

Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Care Credit which has limits as to what it can be used for. A common use is health cost like dental or medical costs for a pet. During New Years weekend I lost two pets in three days. In order to help me three of the charges where put on no interest deferred promotion for 6 months. Upon the near expiration I sent a electronic Balance Transfer through my account with XXXX XXXX for the remaining total of the promotional balance. I had contacted Care Credit and talked to one of their cutomer service Representatives and explained what I was going to do. Initially I was planning to just transfer balance from one account to the other but the Care Credit agent said they could not do that. So I contacted XXXX XXXX representative and explained what I wanted to do for what amount. He then set in motion to send electronically to Care Credit the balance transfer. This was all accomplished on the date that the promotional period was to expire. I then received notice from XXXX XXXX that the balance transfer was received by Care Credit. However, Care Credit took their time processing the balance transfer for several days and then I was slapped with all the back interest from the promotional program to the tune of {$430.00} at 26.99 %. The whole point of the balance transfer was to avoid the promotional period interest at the very high interest rate. It was bad enough losing two special pets but now I am being insulted with the huge interest charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

I received an escrow letter from Truist Bank Mortgage regarding an escrow shortage but no information as to how I can pay the escrow shortage in full if I choose. I have been trying to contact Truist by phone for 5 days now and I am put on indefinite hold for mortgage, tech support, corporate office no matter what number is called. They do not give opportunity for a call back. EMAILS REGARDING ESCROW ARE FROM DO NOT ARE FROM REPLY ACCOUNT. I need help reaching Truist Bank Mortgage.
Product: Credit reporting or other personal consumer reports

The creditor XXXX failed to send a printed, electronic statement and failed to collect a payment by phone. I had an account that I had not used for a year and made XXXX charge in XXXX  2024 an completely forgot about it since I typically do not use credit cards and pay my balances in full every month if I do. However, I had so much difficulty with this XXXX account. I tried entering the account via website but I was unable to get any account information and every time the account was reset a password reset was never sent to my email or phone as it should have. I tried calling the customer service number but with the unbelievable long waits it was impossible to get to someone. Finally I was able to contact the creditor in XXXX over a weekend. I let them know I have never received a statement or account information and I was wondering about any payments due. They informed me they had the worn account email and information, I am not sure how. I paid the account in full and requested to close the account. The amount I owed at the time was no more than {$130.00}. I let them know that I was worried this might impact my impeccable credit and had no late payment. They reassured me this would not be reported to the credit bureaus since I called and explained they did not served me with any statements and it was only XXXX  days past due. In XXXX I tried to apply for a mortgage loan my credit scored had been up to XXXX, I realized my scored dropped to XXXX and I had negative history form XXXX. They violated federal law, according to 12 CFR Part 1026.5 of the Code of Federal Regulations covers general disclosure requirements for creditors. These requirements include : written or electronic statement disclosures to collect a debt. XXXX violated Federal consumer laws. After I submitted my dispute in writing, they failed to make the error issues. They refuse to delete my " late payment '' information and ignored the facts that it was their error for not disclosing any account information to me. I a requesting for them to be penalized and to correct my record. They can not report late payment if they failed to properly collect money under the laws. This is impacting my credit and I am unable to get a mortgage loan until this is corrected. I am an excellent A+ consumer, they are being careless and not taking responsibility for their billing errors. I will secure a lawyer to take legal action against them at this point since they failed to resolve the dispute. Please assist me with this and assuring they understand consumer law requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Department OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXas 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, credit repair services, or other personal consumer reports

paid for services i discontinue XXXX  is still taking money out of my account regions not letting me login and remove the inaccurate charge from XXXX
Product: Mortgage

I have sent in my mortgage payment on time each month. Yet there are several problems that I continue to encounter : 1. ) Instead of applying funds that I send to the bank to my monthly mortgage, my funds have been sent to " unapplied funds '' several times. 

2. ) I send my payment on the XXXX or XXXX from my bank each month, so that CrossCountry Mortgage will have their payment by the first, and for some reason, they are applying the monies to the month that I send payment and not to the following month ( for which it was intended ).

3. ) Multiple late fees have been applied to my account, despite the fact that they have misinterpreted my payments and placed funds into " unapplied funds. '' 4. ) My taxes were increased, and then my payment went up. That was not the problem. I made several lump-sum payments to pay the additional escrow amount off. Then, CC-Mortgage would then call me to tell me my payment was late, and I would tell them that I have paid the escrow directly on their website. And I was requesting to know my monthly payment ( with the additional escrow amount built in ). Each person that called gave me a different amount! So when I would pay that amount, they would tell me I paid the wrong amount, and that the funds were placed in 'unapplied funds. ' 5. ) Once, while I was speaking to a person on the phone, I submitted a payment to address the new escrow amount, and the amount was applied to my principal instead of the escrow. 

6. ) The latest problem is that I was speaking to an agent and simultaneously viewing my payment history on the CrossCountry Mortgage website, and they had my XXXX payment ( which was actually supposed to be my XXXX payment ) as one amount, but when we called my bank on a conference call.. they confirmed my greatest fears : that CC-Mortgage had recorded a much different amount from what was actually submitted by my bank. And needlesstosay, the amount I paid covered the mortgage payment, and they the amount they had on their website ( which was approx. {$700.00} short ) of course did not cover the payment amount. And, yep, you guessed it.. another late fee was assessed to my account.

7. ) I can rarely get through the prompts to an actual agent ; instead, when I call, I am usually sent back into the que or back to earlier prompts in an automated system. So I finally got through to one yesterday ( out of XXXX attempts over the past several months ), and pleaded with him about what needs to happen. I am happy to pay the amount owed, but to have late payments illegally extracted from me is not acceptable, and to apply funds in ways unintended by the customer, and then blame the customer for being off with payments, is also not acceptable. He promised that someone would get back with me. But others have promised this before -- that they saw discrepancies, and would have someone reach out -- but no one has ever gotten back to me about my complaints. Rather, they merely called the next month, again, claiming that my payments are late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I filed a CFPB complaint ( XXXX ) against CALIFORNIA AUTO FINANCE. It has been 72 DAYS with NO RESPONSE to my CFPB complaint. CALIFORNIA AUTO FINANCE failed to respond to my request for debt validation in 30 days. CALIFORNIA AUTO FINANCE hired a third party debt collector XXXX XXXX  to steal my identity, personal information, credit card and social security card. XXXX XXXX  sent my personal information, credit card number and social security card to at least four uninterested parties to which I have proof. They furnished documentation that clearly displays their harassment and fraudulent actions. There is no contract, agreement or validation between this alleged debt collector and me. I am the original creditor and consumer.Violations of TRUTH IN LENDING ACT 15 USC 1601 AND FAIR DEBT COLLECTION PRACTICES 15 USC 1692. I humbly request CONSUMER FINANCIAL PROTECTION BUREAU intervention and action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase a vehicle on XX/XX/2020 and my credit was ran for financing, only I was denied by a credit reporting company that I have never heard of, can't reach, yet they have my personal credit information. I was financed by another company, but the fact that a " credit bureau '' I have never heard of, rated my credit, and denied me based on an arbitrary and unknown formula is not how I trust to conduct business. Never in my life have I heard of SageStream LLC and I have NEVER given permission that wasn't XXXX, XXXX, and XXXX. We do NOT need a 4th " credit bureau '' especially one that can not be reached or allow you to do anything online. This type of shady behavior is not what I  agreed to when having my credit " ran ''. An unofficial credit company should not be able to access my personal financial information, especially when the parent company is XXXX and XXXX XXXX ( a computer virus protection software company ).  How do I know my information isn't being shared between these companies to track me or my activities? I do not trust this company.
Product: Mortgage

There is a {$22000.00} discrepancy between the mortgage principle balance shown on my monthly statements ( {$220000.00} ) and that shown on my credit reports ( {$240000.00} ). I 've called Wells Fargo to explain this discrepancy and their explanation did nothing but confuse me more.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX identify account number by social security last XXXX XXXX number, XXXX XXXX identify account by social security number last XXXX XXXX XXXX. XXXX USC 1692 c Law clearly states If a consumer refuses to pay a debt, the debt collector must cease all communication. Including removal of credit reporting.

3. 15 USC 1692 ( g ) debt validation. Validate the debt, according to consumer law once notified debt collector must immediately stop reporting or validate the date.

4. 15 USC 1681 ( b ) Permissible purpose. Please send me an original contract with original wet signature proving proof consumer in contract also a verified letter of consumer giving authorization to report on credit report. This is a direct violation of consumer law sit in place by the FRCA and USC.

5. 15 USC 6802. ( OPT OUT ) Company refusing my consumer rights to opt out a direct violation of my consumer protection rights.

6. 18 USC 1028 ( a ). Passing information without lawful authority. Is Aggravated Identity Theft. XXXX TransUnion and XXXX are all involved in this conspiracy with these debt collectors.

7. 15 USC 1692 ( f ) part 6 unfair practice. Disclosure of personal information to a third party without authorization from the consumer is identity theft. Every company on the credit report is involved in identity theft including XXXX, TransUnion and XXXX. When a company send a collection agencys, repo companies a consumer personal information without authorization from the consumer, thats identity theft and its being reported on these credit bureaus platform is the proof the courts need. 
No consent has been authorized from the consumer XXXX XXXX XXXX Therefore XXXX, TransUnion and XXXX must be Investigated also for playing a major roll helping these companies violate every major consumer protection law, under USC. also send the consumer a full report on everything law mentioned above showing every company is operating by FRCA consumer laws and not in violation of not one law mentioned above including all three credit bureaus, please show proof that your companys are not in violation of any code mentioned above which if not operating under law. A judgment of summary must be filed on each and every company in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX : {$3100.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Product: Debt collection

Call many times a day to my elderly father 's home. Told to stop calling, will not stop. This is an old debt that they can not even collect on.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX