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

Subject : Dispute of Late Payments Under the CARES Act, FCRA, and TILA Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my credit file. Specifically, I have noticed six late payment entries on my credit report from ( XXXX ), which occurred during the COVID-19 pandemic. These late payments are inaccurately reported and do not comply with provisions under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act Violation : During the COVID-19 pandemic, Congress passed the CARES Act, which allowed consumers to make payment arrangements with creditors without incurring penalties on their credit reports. I had an arrangement in place with XXXX during the period in question. Under Section 4021 of the CARES Act, creditors were required to report accounts as current if a payment accommodation was made during the COVID-19 pandemic. Despite my payment arrangement, these six payments are marked as late on my credit report, which constitutes inaccurate reporting. 

FCRA Violation : As per the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are required to maintain accurate and complete information on consumer reports. The inaccurate late payment reporting on my account directly violates this act. Since I was in an arrangement with my creditor during the pandemic, the late payments should not have been reported. 

TILA Violation : The Truth in Lending Act ( TILA ) also mandates that creditors and reporting agencies provide accurate and fair information related to credit transactions. Reporting these payments as late, when they were subject to a payment arrangement, constitutes inaccurate and misleading information under TILA.

Request for Action : I kindly request that you : 1. Investigate this matter and verify the accuracy of the reported information with my creditor.

2. Remove the six late payments from my credit report with immediate effect.

3. Provide me with a corrected copy of my credit report once the changes have been made. 

Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

There are billing issues on my credit report. According to Federal Law, consumer reporting agency should never consider any payment late under an open-end consumer credit plan.

Furthermore, us. 15 1681 states that you are to exclude solely as to transaction between the consumer and the one making the report.

U.S. 15 1681 also states that I have a right to privacy. You have violated my federally protected rights consumer rights and I plan on taking legal action.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe have been added illegally. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccurate items be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report Number XXXX, which provides the evidence of clearly fraudulent credit reporting. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, consumer reporting agencies are required to block the disputed information within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to certify to you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report with Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

We purchased our home in XXXX and used a local lender. About 2-3 months after closing, our home loan was sold to Wells Fargo without any notice and Wells Fargo did not provide us with adequate documentation on this transfer. As first time home buyers, we were ignorant to this whole process and we were never really fully informed on all aspects of our loan, escrow, etc. There were years were our escrow was always short by over {$1000.00} and then one year we were sent a huge refund on our escrow. We refinanced with another company in XXXX and since then, Wells Fargo has deactivated our log-in account so I cant access old information. I have tried to call them and keep getting disconnected. I tried to call regarding the Wells Fargo lawsuit to see if we qualified and keep getting disconnected. I would like to know if Wells Fargo took advantage of us as first time home buyers that did not know what to look for when it comes to shady mortgage practices. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems for me.
Product: Credit reporting or other personal consumer reports

These accounts were specifically XXXX XXXX XXXX was removed from my credit report XXXX weeks ago. The fact that XXXX XXXX XXXX added this ILLEGAL/FRAUDULENT account back to my XXXX report is beyond me. This account is fraudulent and illegal and needs to be removed for the last final time. THis is illegal for not only the original creditor but for the credit bureaus to remove and readd back to my credit profiles. remove this illegal account of my report for the last time XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX {$7700.00} These accounts below are also illegal and were never authorized in my name. Please remove the rest of these accounts before further action will be taken. I am a victim of identity theft. 

XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX : # XXXX, XXXX XXXX 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 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 years.

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: Debt collection

I received a credit alert from the credit bureaus that I have XXXX different loans in collections. I contacted the number listed in the info and it was a collection agency stating I took out XXXX different loans in XX/XX/2019. I dont understand how someone could get approved for XXXX loans, 5 days in a row. I asked if they could verify the account information the money was deposited to and they couldnt. I informed them I live in Georgia and this loan company doesnt offer loans in my state. I have no information regarding these loans. Ive never received any documentation or phone calls from the loan company nor collection agency. They told me to file a police report to dispute the issue.
Product: Credit reporting or other personal consumer reports

Please see attached documasfents. Do not close this complaint stating it is not me. I am a natural person and a conasfsumer.
Product: Credit reporting or other personal consumer reports

Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding unauthorize inquiries on my credit report to this company over 45 days later I have not received a response as of yet. I feel as if I am being taken advantage of and being ignored regarding my disputes. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress I am being emotionally.
Product: Vehicle loan or lease

The Federal Trade Commission Act is the primary statute of the Commission. Under this Act, as amended, the Commission is empowered, among other things, to ( a ) prevent unfair methods of competition and unfair or deceptive acts or practices in or affecting commerce ; ( b ) seek monetary redress and other relief for conduct injurious to consumers ; ( c ) prescribe rules defining with specificity acts or practices that are unfair or deceptive, and establishing requirements designed to prevent such acts or practices ; ( d ) gather and compile information and conduct investigations relating to the organization, business, practices, and management of entities engaged in commerce; and ( e ) make reports and legislative recommendations to Congress and the public. A number of other statutes listed here are enforced under the FTC Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX Balance : {$900.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX Balance : {$740.00}
Product: Payday loan, title loan, or personal loan

I applied for a loan of {$400.00} on line on XX/XX/XXXX. They approved me and I was under the impression that the loan would be paid back in 4 payments. My monthly payment amount was {$250.00} and was done by automatic withdraw on the 4th Wednesday of every month. I am on Social Security XXXX  and that is when I get paid. In XX/XX/XXXX I contacted them to confirm that my last payment would be in XX/XX/XXXX. They informed me that the payments would continue until XX/XX/XXXX.At that point I had already paid {$770.00} on a {$400.00} loan. I asked what interest rate they were charging me and I was told 650 % and I was told that was the rate I agreed to. I never agreed to pay 650 % .I thought the interest rate was either 35 % or 40 % which is still a lot but I was in a pinch. I stopped payment at my bank on XX/XX/XXXX so that no further money could be taken out of my account by them. The name of the company on the bank records is XXXX XXXX XXXX. I have received phone calls and emails from a company called XXXX XXXX and a company called XXXX demanding payment of $ XXXX.Last week XXXX  put me on hold so I could speak to a supervisor ... .I hung up after being on hold for 10 minutes. All of the people who have contacted me have foreign accents. I received an email from XXXX stating that I could send payment to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX   OR send payment to : XXXX XXXX XXXX XXXX XXXX  same address only Dept. number is XXXX instead of XXXX.
Product: Checking or savings account

On XXXX XXXX, 2024, I noticed through my Citi bank mobile app an unrecognized purchase of XXXX dlls and a withdrawal of XXXX dlls in the same transaction, being a total of XXXX dlls. 
Immediately I opened a Dispute in my bank, I reported that I had my debit card with me in my wallet and no one have access to my debit card or my Pin number, however my Debit card was Cloned and my Pin number probably recorded in an ATM, which is the only place where I use my debit card, I never do purchases or withdrawals from a store. 
A few days later I got a letter from them, saying that since de debit car was in my wallet, and no one have access to my Pin the dispute is rejected. Immediately I called them back again on XX/XX/XXXX and they ask for XXXX naturals days but until today XXXX XXXX, 2024, I didnt get news from them, so I just called them and told me again this is rejected and they said are sending me all the proofs, also they said they reject for the same reason, so Ill get the proofs soon to share to you. 
This unrecognized purchase and withdrawal were posted in XXXX  in a store called XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I need to declare that Ive never been there in my whole life, so it is impossible to get this charge while I was working in XXXX XXXX XXXX . 
I need your help to get justice and a fair solution for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX XX/XX/2021, XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am disputing several unauthorized hard inquiries on my credit report and requesting removal due to lack of permissible purpose under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). These inquiries were conducted without my explicit consent or knowledge, and none of the entities provided contact information to allow me to verify their permissible purpose directly. 

The inquiries in question are as follows : XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Category : Miscellaneous Reporting Agencies Issue : No permissible purpose or contact information provided. 
XXXX. XXXX Inquiry Date : XX/XX/XXXX Category : Finance/Personal Issue : No permissible purpose or contact information provided. 
XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Category : Finance/Personal Issue : No permissible purpose or contact information provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Category : Finance/Personal Issue : No permissible purpose or contact information provided. 

I reviewed my credit report on XX/XX/XXXX, and identified these hard inquiries. I have not applied for credit or authorized inquiries from these entities. Under the FCRA, creditors must provide evidence of my explicit consent or a legitimate permissible purpose to access my credit file. No such documentation has been provided, and the absence of contact information further prevents me from verifying their claims. 

Actions Taken XXXX. Reviewed my credit report on XX/XX/XXXX, and noted unauthorized hard inquiries. 
XXXX. Attempted to locate contact information for the above entities but was unable to. 
XXXX. Verified that I did not initiate or authorize any transactions with these entities.
Product: Mortgage

I was with another company back in XXXX 2021 and Lakeview refused to send my pay-off for months so I could close my loan. When they finally sent it my loan lock was no longer valid and they stated I must start over with a higher rate and more money to close my loan. They send me a pay-off in XXXX and back dated it to XXXX claiming it was sent when I never received it and continue to contact them. 

Then Lakeview sent me a notice that they would do my refinance and I completed the application for them to do it at the reduce rate. I elected to select my own attorney on my disclosures. I understand there was a delay because the other loan officer left the company and it took a week to get my case number transferred. Than XXXX XXXX from Lakeview gave the wrong information and my case was transferred somewhere else for a timely close. Than it took them a week to transfer an case number that was internal to their company " LAKEVIEW '' for my file to be sent to underwriting when it takes 5 minutes to go to FHA connection to get the case number properly assigned.

I applied for a loan with Lakeview Loan Servicing in XX/XX/2021 and they pushed me around and never did my application until XX/XX/2021. They have transferred my loan to XXXX different loan Officers and XXXX different processor. Each time I keep getting a different story about the status of my loan. This is a simply FHA steam line refinance without income or appraisal. I asked them to lock my loan at the 2.875 % and because of their delays they are going to try and make an attempt to make me pay for lock extension. 

Now, the PROCESSOR not the underwriter is refusing to submit my loan to underwriting claiming it's a requirement that I pay my XX/XX/2021 payment or they will not submit my loan. THAT IS NOT A REQUIREMENT OF FHA PERIOD! I am a XXXX female and they have continually discriminated against me and violated my rights. I selected that I wanted my own closing attorney on my application and the processing company Lakeview used decided to that they would put my loan with a sister title company that they have relationship which violated my rights as a consumers to pick my own closing attorney. NOW, they continue to violate my rights and refuse to send my file to underwriting. My loan is not 30 days delinquent and when I pay that payment is none of their business as long as I'm not 30 days delinquent and It is not a requirement to refuse to send my file to underwriting. Because I told them they violated my rights to pick my own attorney, they have been doing every thing that they can to Sabotage my mortgage loan refinance.
Product: Credit card or prepaid card

Chase Visa  wrongly and systematically sides with the vendor in disputes over fraudulent charges and, in a disputed case, NEVER sides with the consumer. In the following case they have been caught out. My complaint is that they did not conduct a thorough investigation, that they wrongly reported information to me and that they wrongly allowed a fraudulent charge to remain on my account.     I was fraudulently charged {$16000.00} by a vendor, to whom I had previously given my card details for a legitimate charge. The vendor charged my card a second time without my knowledge, consent or authorization and for services I had not incurred. Unknown to me, the vendor had retained my card information from previous use.  Chase refused to treat this as fraud because I had previously given my card details to the vendor. Chase  claimed I must put the transaction into dispute.     After review of the dispute I received the attached letter dated  XXXX   XXXX ,   XXXX   from Chase, which sided completely with the merchant in the case and said ; " Merchant has provided contractual agreement on this transaction. '' No copy of the contract was sent to me and how could it have been - none existed.     On  XXXX   XXXX , the merchant credited {$14000.00} of the fraudulent charge back to my credit card ( see attached ). If the merchant returned the majority of the funds, how could  Chase, just one w eek earlier claim that they had viewed a contract which showed the funds taken from my account had been taken legitimately? I want to complain that Chase carried out an improper and inappropriate investigation which was biased and untruthful.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Debt collection

Bread XXXX  / Comenity bank as reached out to my family members about my dept several times. The account in question is in no way connected to them and is only under my own name. They have reached out to my family asking about my debt and for payment. I never shared them the contact info of my family so not sure where they even got it from.
Product: Credit reporting, credit repair services, or other personal consumer reports

The law 15 USC 1681 A2 ( i ) Consumer report does not include ; report containing information solely as to transaction or experiences between the person making the report.