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

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} million to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX FTC Charges Auto Dealerships in Arizona and New Mexico with Falsifying Consumers Information on Financing Documents SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing The Federal Trade Commission has charged a group of four auto dealers operating in Arizona and New Mexico, near the border of the XXXX XXXX, with a range of illegal activities, including falsifying consumers income and down payment information on vehicle financing applications and misrepresenting important financial terms in vehicle advertisements. 

This is the FTCs first action alleging income falsification by auto dealers. The complaint also names the dealerships owner and manager, XXXX XXXX, as a defendant, and owner and president, XXXX XXXX, as a relief defendant. 

Buying a car is one of the biggest purchases consumers make. When consumers tell an auto dealer how much they make and how much they can pay upfront, the dealer cant turn those facts into fiction, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC expects auto dealers to be honest with consumers from the first advertisement to the final purchase. 
n its complaint, the FTC alleges that XXXX failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus have violated my rights according to 15 U.S.C 6802 .A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Who gave the credit bureaus the permission to share my information? 

Also 15 U.S.C. 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

The Department Of Defense XXXX, has been sharing my account with third parties. 

Please send a detailed description to how the account was verified.
Product: Checking or savings account

On XX/XX/XXXX, a charge was posted to my account in the amount of {$49.00} from a company that I had previously done business with. The charge was not authorized as the subscription with this company was cancelled back in XXXX. I tried to resolve the issue with the vendor, to no avail. I then contacted Chime to dispute the transaction. The initial dispute was denied a few days later with no explanation given. The following day, I received an email from the vendor stating that they would be refunding the {$49.00} and that the refund was sent to Chime on XX/XX/XXXX. By XX/XX/XXXX, I had no yet received the refund and contacted Chime. I was advised that since the refund was not yet sent to the bank, that they could reopen the dispute and receive a provisional credit. I was advised to send the evidence from the vendor showing that I was promised a refund ; I forwarded the email chain showing the promise of a refund between myself and the vendor to Chime on XX/XX/XXXX. I received notification 1 day later from Chime stating the the claim was yet again denied, with no explanation. There was also no investigation into the dispute. I called Chime yet again on XX/XX/XXXX to reopen the dispute a 3rd time, since it was now 5 business days from the date I was promised a refund. I was told that they would reopen the claim but that no provisional credit would be issued, due to the type of transaction, and that I would have to wait for the full 90 days for this credit.
Product: Credit reporting or other personal consumer reports

I moved to XXXX XXXX XXXX. At the time of moving, me and my spouse left our accounts acitve with XXXX XXXX XXXX. Recently, I was surprised about a collection company XXXX which I originally thought was a scammer. I called them and ask them what it was and I confirmed that they are the collection company working with XXXX. They told me about the collection in the amount of {$57.00}. Since I moved to XXXX, I have never used the account and I have lost access to it. When I called XXXX, I asked them what the charge was about and who the vendor was, they had no information about it. They told me that I can file a dispute so that XXXX maybe be able to provide the information I need. Prior to that, I called XXXX about my account, but they have no information and can not tell me what it was and I assumed they closed it. Assuming that they have closed the account, I am certain that they should still be able to access the information so that I will at least know what the charge was for. After XXXX filed the dispute, I received a notice from the XXXX XXXX Experian that my credit score took a deep dive and that one of my accounts fell delinquent. When I checked, XXXX decided that they will write off the {$57.00} and call it a loss instead of trying to give me that information I want and would have paid it. They resorted in reporting it to the credit bureau to punish me and tank my credit score for this small amount. For the last 10 years that I have had credit cards and loans, I have not missed any payment whether large or small. When I filed a dispute, I decided to just pay it no matter what since they already did that to me. But when the dispute results came out, they still insisted that it their records were accurate. I am coerced to pay something that I have no idea about because they will not provide the information I needed but even after that and sending them proof of payment from XXXX, they still insisted that their records were accurate.
Product: Mortgage

Fifth Third Bank was the servicer of my mortgage. My mortgage loan was paid off in XX/XX/2021. However, Fifth Third Bank has not filed a full reconveyance and has refused to provide me with the original note and deed of trust.
Product: Debt collection

The collection agency is collecting for an apartment complex that I rented but I never lived in. I moved into the apartment in XXXX XXXX XXXX and my job sent me to California from XXXX to XXXX to XXXX XXXX. I never moved any furniture in and told the complex that I would be cancelling my lease in XXXX XXXX I knew. I would have to pay for breaking the lease but they added all kinds of fees for cleaning and repairs that could n't have been made. When asked for debt validation, the collection agency just mailed me a lease and a list of charges. The agency also continues to report the debt as late with all three credit bureaus.
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is XXXX activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) XX/XX/2021 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. You, FINANCIAL DATA SYSTEMS and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under 1692k. I take this lawful action ordering judgement against you. A court of competent jurisdiction can add additional damages if deems necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these convergent accountS have 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. 

Accounts as follows XXXX XXXX XXXX XXXX Balance ofXXXX Open date XXXX XXXX XXXX XXXX  - Balance of XXXX Open date open XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Balance of XXXX Open date XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance of XXXX Open date XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance of XXXX XXXX date XX/XX/XXXX XXXXXXXX XXXX XXXX balance of XXXX Open date XX/XX/XXXX XXXX. XXXX, XXXX. 
Balance of XXXX. 

Inquiries 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

*****this is not a request to put any personal freezes or fraud alerts on my account**** There are XXXX specific items that are reporting on my credit file that are not meeting FCRA guidelines under section 609. I have continued to ask Equifax to send me the proper documentation and they refuse. The original creditors have not responded to my requests by writing and that process started back in XXXX of 2016 so enough time to respond but have not. 

1. XXXX XXXX XXXX in XXXX XXXX MN XXXX as told me on the phone that they do not have the original signed documentation for this debt of {$100.00} and yet Equifax still lists it on my credit report. They are specifically violating section 609 and no on wants to do anything about it. They have already been fined for breaking the law in the past and this is no different. This account can not be properly verified or validated and yet they keep reporting it on my credit file. 

2. XXXX XXXX XXXX is trying to collect on a debt from a XXXX XXXX XXXX. When I have reached out to this practice they can not produce any signed documents from. Also when I asked them to produce a signed HIPAA release form showing that if I were the patient owing this debt that I gave them permission to release any part of my medical file so they are technically in violation of Federal Law. Equifax can not verify this debt per section 609 with an original source document. 

Please understand that it is not my responsibility to reach out to these companies and to verify the debt. If you are going to list a negative item against me you must produce original documentation with my signature showing this debt is mine and you have been unable to or unwilling to do your job per the law.
Product: Checking or savings account

My account was restricted, without any real cause. I wasn't able to pay with my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I accidently submitted a payment with wrong information and payment got returned I tried to resolve it with them and they said there is nothing I can do and my account was closed without notice then they send me letter after it was closed under my account not even an official letter informing me about the closure
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDERAL STUDENT LOAN ILLINOIS STUDENT ASSISTANCE COMMISSION, SS NOXXXX IS FALSELY REPORTING AN ACCUNT DELETE FROM ALL BUREAUS, BECAUSE S.O.L. EXPIRED IN XX/XX/XXXX, AND NOW RE-APPREARED AND SOLD TO TRANSWORLD SYSTEMS ON XX/XX/XXXX, NEW ACCOUNT NO.XXXX.ANY COLLECTIONS ON DISCHARGED DEBT BK XXXX, DISCHARGED XX/XX/XXXX. WE ARE CURRENTLY IN BAD FAITH LTIGATION WITH THEIR ATTORNEYS OFFICES GOING NO WHERE.
Product: Mortgage

the issue is with countywide mortgage in 2007 my mortgage jump from XXXX to XXXX without being told or to send me a letter.i been fighting this over 5years i sent papers to countrywide asking way this is happening? never got true answer they gave me the run around someone in customer service told me if i dont pay the XXXX that they wold foreclose on my home.at the i didnt know countrywide was being indicted for mortgage fraud then i received a letter from bank of america to send my payments to them when i them that countrywide had overcharge me they didnt want to here that they didnt help.i always thought my family would be protected by the GOV.having a FHA loan.i fill like CFPB didnt give my family the help we deserve.I ) ve even sent a letter to the C.E.O Mr.Mahayan of BOFA never got a answer back.I would love to a refund from due to countrywide mortgage now own by BOFA to pay back for the overcharging.they gave me explanation of why countrywide went up on my mortgage am total disable now.couldnt afford to pay this extra XXXX ieven contacted XXXX XXXX news asking for help.i hope and pray that my family will get backthe benefits owe to us.Am gon na give to CFPB my mailing address and my loan # with countrywide mortgage now BOFA i have the same account # is XXXX my address XXXX XXXX XXXX XXXX phone # XXXX please call or write if you need more info.PLEASE HELP XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX XXXX and XXXX  XXXX. Also, please remove this incorrect address, this is not mine : XXXX XXXX XXXX XXXX XXXX, AZ XXXX.
Product: Credit card or prepaid card

I was offered a balance transfer offer in XX/XX/XXXX for one year until XX/XX/XXXX at 0 % and only pay a balance transfer fee. 
Since I have done this promo on this card, I have been accessed interest every month and I am being told it is because I made purchases. 
I have proof that I have clearly paid way above what is needed to be paid to not incur any interest and they will not remove it and tell me they dont even see a promo and I must pay my card down to {$0.00}. 

I am being lied to and ripped off by KeyBank.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$14000.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$6400.00} XXXX  XXXX XXXX Balance Owed : {$3700.00}