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

I Received my credit report on XX/XX/XXXX and noticed there were hard Inquires that dont have Permissible purposes to be on there. Theses Hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times especially XXXX and Transunion Multiple times they keep Violating my rights Under 15 USC 1684b. Below are the inquiries ( XXXX XXXX ), ( XXXX, XXXX ), ( XXXX XXXX ), ( XXXX XXXX ), ( XXXX XXXX XXXX ), I have no account associated with these companies no authorization.
Product: Debt collection

On XX/XX/2018 I filed a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Salem XXXX   XXXX was showing ( 4 ) property tax bills that were fraudulent. Ref # XXXX you completed the investigation and they stated on XX/XX/2018 that they had reviewed all information regarding these accounts and discovered that they have all been closed and cancelled in there office on XX/XX/2018. These accounts have been marked for deletion on XX/XX/2018.

They had reported them on XXXX  on XX/XX/2018 now on XX/XX/2018 they have placed them on my XXXX. It appears they are continuing to replacing them on each credit reporting company 's. 

This is harassment and really need to be taken care of with them due to this being my second complaint. 

Thanks
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ Credit Reporting Agency Name ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Date of Late Payment : [ XX/XX/XXXX ] Nature of Complaint : On [ XX/XX/XXXX ], I submitted a dispute to [ TRANSUNION ] disputing a late payment reported by [ XXXX  XXXX ]. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. [ You may have made your payment on time or there may have been a clerical error. ] 2. [ Payment confirmations. ] Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TRANSUNION has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX - Is reporting inaccurate information on my credit report. they are reporting a 30 day late XX/XX/2020 and I have never been late on any account ever in my life. I actually had set up auto draft with XXXX, as I have many accounts with them. I set up the auto draft and payments with a representative who actually made a mistake & put the payment toward one of my other accounts in error. I have never been late & I have & have had multiple accounts with you guys for as long as I can remember. I am a long time customer and this was not my fault. 
I would like this late removed due to their error.
Product: Debt collection

XXXX XXXX has called me after I asked them not to contact me. In addition to this, they are telling me that I owe WAY more than I actually do. <P/>I owed a gym {$1800.00}. XXXX kept contacting me, so I got in contact with the gym and they said that they had never heard of XXXX. <P/>Now they put a mark on my credit report saying that I owe over {$4000.00}. This is incorrect.
Product: Mortgage

I have the details of all my complaints in the demand letter attached. When I reached out to Total Mortgage with my concerns, they implicitly threatened to back out of closing leaving me liable for the deposit. 

Essentially, Totally Mortgage forced me into a detail under the pretense of a grant they negligently did not secure in time. When I complained, they threatened to leave the deal and leave me liable for my deposit. 

Along the way they've misrepresented Rhode Island closing law and the grant process and terms me on the record via email. Please review the attachment thoroughly, I am in great distress over this ordeal even 6 months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditor XXXX OpenedXX/XX/2021 ( XXXX mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX Latest fraudulent account posted on my credit file.
Product: Debt collection

In Referenced to XXXX XXXX I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it.
Product: Debt collection

I am only within 10 days late of my auto loan and I have been harassed non-stop every day. I receive calls at least four times a day, every day. I will never accept an autoloan with them again
Product: Mortgage

I wass advised through and escrow analysis on XX/XX/XXXX that my escrow account was short {$1200.00}. I have owned the home for over 10 years and I have never been short in escrow more than {$300.00}. When I called Wells Fargo who holds my mortgage that I was doisputing the amount, they told me that the escrow was short because my homewoners insuracne increased {$600.00} for XXXX. I advised them that the increase in inusrance was correct but that shouldnt cause an escrow shortage of {$1200.00}. They told me they were collecting for XXXX and XXXX since they anticipated the same amount for XXXX. But then they said even if I pay the escrow shortage, my mortgage payment will still go up close to {$60.00} per month since they would now be collecting for XXXX homeowners insurance. I advised them that they never did tht in the 10 yers I have had the loan. Whenever I paid an escrow shortage, the monthly payment would not increase. How are they collecting for XXXX when we re not even in XXXX? I want this corrected.
Product: Money transfer, virtual currency, or money service

To Whom this may concern My name is XXXX XXXX My account number is [ XXXX ] I am writing to file a formal complaint against Robinhood regarding their inadequate handling of my account and the subsequent impact it has had on my financial well-being. I have exhausted all avenues of communication with the institution 's customer service, but they have failed to provide a satisfactory resolution to my issue. 

First and foremost, I have diligently provided all the necessary information to verify my account in order to lift any restrictions that may have been in place. Despite complying with their requests, I am continually bombarded with frequent emails urging me to call them. Unfortunately, these calls have proven to be futile as I am consistently subjected to repetitive inquiries, leading to an unproductive and frustrating experience. 
Moreover, the financial institution has been withholding my funds, impeding my ability to withdraw or deposit money. This dire situation has significantly impacted my livelihood, causing undue financial strain and distress. As a responsible account holder, I rely on the availability and accessibility of my funds for essential expenses and daily operations, which have been severely hindered by their actions. 
Regrettably, their customer service representatives have consistently evaded responsibility and offered no tangible solutions to rectify my predicament. Instead, I have been met with a perpetual run-around, enduring lengthy phone conversations that yield no results. The lack of assistance and accountability from the institution has further exacerbated my stress levels, which is detrimental to my overall well-being. 
I implore the Consumer Financial Protection Bureau to investigate this matter promptly and intervene on my behalf. It is evident that Robinhood has failed in their duty to provide adequate customer service and address my concerns effectively. The continual promises of resolution that remain unfulfilled have only deepened my dissatisfaction with their services. 
I kindly request that the Consumer Financial Protection Bureau takes appropriate action against Robinhood to ensure that they rectify this situation promptly and prevent similar instances from occurring in the future. Additionally, I urge the bureau to consider the significant emotional and financial distress I have endured as a result of their negligence. If this matter is not resolved i will proceed with legal action against Robinhood. Ive attached my letter with the intent to sue and and invoice seeking remedies for the pain and suffering they have caused me. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act in the best interest of consumers and provide the necessary oversight to ensure fair treatment and proper resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. I C SYSTEM added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA I C SYSTEMS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month XX/XX/2023, I sent you another dispute letter containing the list of accounts and items that don't belong to me but I still haven't gotten any update about the status as yet. Its been over 30 days. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX and the Office of the Atty General if do not I receive the correct response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, generated an Inquiry from XXXX XXXX, 2017. I created an account online for checking account. I was not expecting a hard inquiry.
Product: Vehicle loan or lease

My name is XXXX XXXX. On XX/XX/XXXX, a judgment was awarded against me in small claims court in XXXX XXXX XXXX XXXX in and for XXXX XXXX XXXX, XXXX XXXXXXXX XXXX State of Utah ( Civil No XXXX ). On XX/XX/XXXX, I entered into a purchase agreement based on good faith that both companies ( XXXX and America Fist Credit Union ) XXXX XXXX was emissions free but cheat emissions test software was installed on my vehicle in the US for seven years. XXXX did so through a clever piece of software that could identify when it was being tested and reduce harmful exhaust numbers while not actually reduce emissions in some tests emission were even higher So it looked as if the cars met Utah state emission requirements, when in fact the XXXX XXXX did not. The discovery of the device was made in XXXX. XXXX halted all sales of its vehicles in XXXX and a nation-wide recall and buy back for these XXXX Vehicles XXXX offered, along with criminal charges obstruction of justice and a XXXX XXXX in fines enforced by the US Justice Department XXXX Plus, in a third settlement, XXXX has agreed to pay {$50.00} million in civil penalties for alleged violations of XXXX. The XXXXustice Department alleged that a XXXX entity supported the sales and leasing of certain XXXX vehicles, including the defeat-device vehicles, by offering competitive financing terms by purchasing from dealers XXXX Vehicles by retail installment contracts ( i.e. loans, financing and leases ) entered into by customers such as myself that all of this deception was going on for years prior to me buying a XXXX with American First Credit Union. No buy back or compensation was ever initiated or offered by American First Credit Union for the XXXX XXXX. My experience was the opposite, no alternatives were offered I was told to make the payment or they would repossess the vehicle a promise they clearly meant to keep. The Dealership and America First Credit Union, misrepresent the facts during my purchase and breached any said contract at the point of sale by not disclosing information relevant to me making a competent well informed purchase decision and by doing so willfully and knowingly sold an altered and misrepresented consumer product or XXXX vehicle doesnt this behavior make the initial contract agreement void because it was entered under false pretenses? Not only has ( America First Credit Union ) deceived me the consumer but also the courts by with holding information relevant to the court making a fair and impartial ruling, if presented with all the facts? The 3 credit Bureaus have all remove this from my file as fraud. The judgment creditor has been asked to file an Acknowledgment of Satisfaction of Judgment form with the court. I did so XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I agreed to hire Lexington Law as a credit repair specialist. I started them in XXXX of 2022. Almost an $ XXXXand nothing was done or removed from my credit. The company had no remorse of my actions on my credit. No help was provided. Nothing was removed only my money being taken. I wouldnt recommend this for no one
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation on many federal and state regulations. The amount was charged off and should know longer being showing on my credit, as it is past XXXX years. Of course, the negative collection was removed from my account due to the fact the credit bureau automatically dropped this after 7 years. The company comes back and makes a new charge off amount XXXX. Of course, I have not taking a new loan with company, but they are trying to destroy my credit by reporting inaccurate amounts and dates. I have asked for this debt to be verified to no avail. I have attached screenshots of the original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made the final settlement payment on this account in XXXX. The payment cleared my bank account of XXXX on XX/XX/XXXX. I have since contacted XXXX XXXX XXXX 3 times regarding this matter. I have submitted disputes to each credit bureau. As of XX/XX/XXXX when my most recent dispute was resolved and the account was reported to the credit bureaus the account is stilll showing as open and delinquent. Each contact I have made I have just been told to submit a dispute ... this is clearly not working as they are still reporting the account as open and delinquent.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit and noticed fraudulent accounts on my credit report. Please remove these accounts, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

In 2019 XXXX XXXX XXXX move out doing Covid 19 because house had water issues with property sinking section XXXX tenant. 

I completed a short sale submitted all documents to XXXX XXXX Obudsman email department and requested for Title Company to correct hud XXXX that was submitted to XXXX XXXX by email and never got a clear to close. 

So the buyer went to another deal during XXXX XXXX. People I believed was moved around not in the office at XXXX why never received clear to close. 

I have spoken with XXXX requesting to remove to mortgage out of my name because that was not my faught when we were ready to close and CFPB knows about it. 

I filed a complaint about this doing that time and the XXXX that was handling the closing can vouch that he faxed what XXXX requested. 

I received a alert from XXXX today that XXXX reported this mortgage XXXX past due XXXX XXXX and I have not owned this property since 2019 up until the tax buyer had to go ahead to deed because he waited a year to help me close on this short sale that XXXX new about. 

Everytime I spoke with them about it they continued to avoid taking this mortgage out of my name. 

Now all of a sudden they reported this mortgage on my credit today 180 days past due that is erroneous and they have records communication that I dont even own the house or the garbage as of today date which the person that bought the house just purchase the taxes on the garage and XXXX and the Investor Chase new about that. 

It made no since for me to redemption of the garage pay taxes when the XXXX XXXX who now own the house the tax buyer did not buy the garage and those taxes were just sold to that XXXX man that came by my house looking for me to help him out. 

I gave him authorization to speak with Chase who was the investor and I could have sold the garage and received the same money {$30000.00} that the short sale was approved for. 

Again, no help from XXXX nor Chase and I did not want to leave the XXXX  man name XXXX hanging who bought the house and not the garage which had it's own separate property identification number. 

Now that redemption has expired now XXXX decides to put false information on my credit report which is a scam and I am not going to be the fall guy and I want them to remove what they reported derogatory off my credit report which took a hit XXXX points. 

That's not fair and deceptive advertisement.
Product: Debt collection

I do not recognize this debt or debtor and they are threatening legal action against me and harassing me
Product: Checking or savings account

Citibank routinely does not alert customers online as to pending payments on their checking account. Other major bank alert customers online in a reliable manner showing pending payment transactions. This allows customers to deposit funds to cover any pending payments. Citibank does this intentionally so that they can charge overdraft fees. I was charged {$70.00} in overdraft fees as a result of these deceptive practices.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>,
Product: Student loan

My loan is currently handled by American Education Services ( AES ). Dealing with them has been pretty hard and cumbersome to experience. They are lax in their workability and are reporting student loans as being in default rather than remaining in contact with its customers ( myself ). I have experienced loss of credit rating and now they wo n't return calls or emails.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3100.00} Chargeoff XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$21000.00} Chargeoff
Product: Money transfer, virtual currency, or money service

I received a settlement check from Ace Cash Express Inc Refund Administrator, by time I received the check it was expired. I have attempted to reach out by phone XXXX which is disconnected, by email @ XXXXXXXXXXXX and have submitted a letter to XXXX XXXX XXXX XXXX OR XXXX all with no response. the letter was sent about 4 weeks ago. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the Consumer credit Transaction initiated on XX/XX/2020 and XX/XX/2020 with your financial institution executed by way of signing an Agreement ( " Document '' ).

As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing.

In the above-mentioned Consumer Credit transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, Equifax & XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information 01 Provided by a consumer to a financial institution 2-Resulting from any transaction with the consumer or any service performed for the consumer ; or 3 Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, Equifax, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802.

In case your Company admits that the organization named XXXX, Equifax, and XXXX is affiliated, it has still violated the provisions of FCRA. 

PuUnder5 USC 1681a ( D ) ( 2 ) ( A ) ( iii ), the Consumer Report will not include any formation communicated among persons related by common ownership or affiliated by corporate control.

Further, 15, USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.

I hereby request you to remove the below-mentioned information from my Consumer Report ; XXXX XXXX and XXXX  XXXX XXXX  If you accept my request, I will not escalate this matter to a federal complaint. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX