23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Seterus, Inc. has been our loan service for years. We have not missed a payment which I can document with cancelled checks, bank statements and the Seterus website to show we have made the payments every month since XX/XX/XXXX. XXXX claims we went delinquent for the months of XXXX. and  XX/XX/XXXX even though I have the bank statements showing the payments. Seterus then claims we did not make payments for XXXX, XXXX, XX/XX/XXXX, yet we have the bank statements to disprove that. They have threatened us with foreclosure. They have falsely reported us as late with the credit bureaus severely damaging our credit scores. 
I have written them about this issue and they refuse to cooperate claiming their records are correct. All of my records disprove their false assertions, yet they continue to report us as late. I have sent them a letter documenting every payment in question. We have been notified they transferred our account to Nationstar Mortgage, dba Mr. Cooper. We have not resolved our issue with Seterus, therefore, it appears it will carry over to Mr. Cooper.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Immediate Deletion Dear LVNV Funding LLC, I am responding to your recent debt validation letter regarding the alleged account you claim I owe. The documents you provided, including a credit application, billing statements, and terms and conditions, do not constitute sufficient evidence that I am responsible for this debt. 

Furthermore, you have violated my consumer rights in multiple ways, including : Illegal Re-Reporting : This account was previously deleted from my credit report, yet you illegally re-reported it without notifying me beforehand, in violation of the Fair Credit Reporting Act ( FCRA ). 
Inconsistent and Inaccurate Reporting : You are reporting different payment histories across various credit bureaus. One bureau reflects all missed payments, while another falsely shows some on-time payments. This violates FCRA guidelines requiring accurate and consistent reporting. 
No Signed Agreement : I have never signed any contract acknowledging or agreeing to this alleged debt. Without my express consent or legal agreement, you have no valid claim. 
Lack of Proper Licensing : LVNV Funding LLC is not licensed to collect debt in my state. Under Louisiana law, a debt collector must be properly registered and licensed to legally collect debts. If you are attempting to collect without the required licensing, this is an additional violation of my consumer rights. 
Formal Demand for Deletion Given these clear violations of FCRA, FDCPA, and state laws, I am demanding the immediate and permanent deletion of this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Louisiana Attorney Generals Office, and any other relevant regulatory agencies. I am also prepared to pursue legal action if necessary. 

Please confirm in writing within 15 days that you have removed this account from my credit reports and that all collection activities will cease. 

Sincerely, [ Your Name ]
Product: Credit card or prepaid card

During the pandemic in XXXX, I was XX/XX/XXXX and working XXXX XXXX just to keep up with the necessities of living. I followed their policies to report a financial hardship and given one temporary concession for 2 months, after that, I could not afford the monthly minimum but attempted to pay something toward it. I let them know that I needed help and was told that I have exhausted my one time request. After my account was closed they sent me a letter saying that they would allow me to pay 1/3 of the balance. I did not have it, as I was still XX/XX/XXXX! I had a XXXX credit score before this card account was closed and now it is XXXX. I had no idea that I could complain about this back then so I am submitting a complaint.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are- XXXX XXXXXXXX XX/XX/XXXX amount : XXXX, XXXX XXXXXXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXXXXXX opened XX/XX/XXXX Amount : XXXX, XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX opened XX/XX/XXXX XXXX : XXXX l 've reached out to the companies and haven't received any type of feedback back
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was defrauded of XXXX dollars from an individual who impersonated themselves as a member of the Bank of America XXXX Department. They sent me security codes with Bank of America XXXX on them and then contacted Bank of America and denied me to speak for myself on the telephone contact for the wire transfer. I was not aware that there was a wire transfer was taking place and there was no legitimacy to the actual wire transfer. Bank of America made no attempt to contact me directly about the wire transfer. They just assumed that it was legitimate. No attempt to block the transfer was given as Bank of America did not call me. In the past, with any sizable transaction, I would receive a phone call from Bank of America asking for clearance on the money transaction. This didn't happen. Bank of America has denied any responsibility in returning any of the money from the transfer. They checked on the account with XXXX Bank, that was the destination of the wire transfer, and no money was in the account. Of course not, the money had been taken by the scammers. From the impersonation of XXXX XXXX XXXX  XXXX Bank of America, the XXXX XXXX Bank of America XXXX, the denial to speak to Bank of America by the scammers, but most of all, the lack of follow through by Bank of America to call me to check on the legitimacy of the wire transfer. Bank of America did not protect its customer. XXXX I could have stopped the whole process by denying the wire transfer. The scammers took advantage of me emotionally as my wife had just recently been robbed of her Bank of America XXXX in a robbery, the Bank of America didn't step up and contact me to enable me to deny this transaction.
Product: Checking or savings account

I am writing to file a complaint formally regarding multiple overdraft fees that were applied to my account. These fees were assessed despite having sufficient funds available when the transactions were authorized. 

However, I was unfairly charged overdraft fees due to the delayed posting of charges and credits. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to Trans Union XXXX and XXXX this Fraudulent acct appearing on my XXXX Consumer Credit Report which I do not recognize as reported and is a Result of Identity theft and Fraud this is Fraudulent account opened at XXXX XXXX date XX/XX/year> acct XXXX this acct resulted in a Charge Off on my Credit Report I demand that the Fraudulent Item b removed from each of my Consumer Credit Reports Pursuant to my Rights within the FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

These items listed in attached I have been disputes due to them not being my debts. I'm looking to buy a new home and these items are holding be back.
Product: Credit reporting or other personal consumer reports

Good afternoon, I'm still seeking your assistance in addressing the continuous violations of my consumer rights by consumer reporting agencies and financial institutions. These violations include FCRA violations, inaccurate reporting, unresolved disputes, mishandling of personal and private data, and unfair practices in truth in lending. Despite my efforts to resolve these issues, I have not received a satisfactory resolution. Is a class action suit against the entities involved necessary to receive remedy? If you look at my consumer reports you clearly see the inaccuracies and violations. I kindly request your intervention to investigate this matter and advocate for justice on my behalf. See attached supporting documentation. 
Please advise. 
Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was closed by the creditor on XX/XX/XXXX. My total balance due by XX/XX/XXXX was {$520.00}. On XX/XX/XXXX, I paid the balance in full, which left my account at {$0.00}. After the account was paid in full, XXXX proceeded to apply interest charges and late fees. In XX/XX/XXXX, XXXX reported that the account was late to the credit bureaus. I contacted XXXX to inquire about the charges, which were reversed and corrected due to the account being paid in full. However, no changes were made to the credit bureaus. I completed a dispute with all 3 bureaus in XXXX, which all were corrected with the exception of XXXX, which not only reported I was late in XXXX but reported I was also late in XXXX. I contacted XXXX on XXXX and learned that my account had a credit for overpayment in the amount of {$2.00}. I was told I must email the credit reporting department with the error. I emailed the credit reporting department to be advised a refund was being sent, but a " good will adjustment '' could not be made on my account. Please refer to CFB case XXXX, stating the company contacted the credit bureau to remove the delinquency. However, report was made on XX/XX/XXXX to XXXX with the payment status updated to 30 days past due and on XXXX/XXXX/XXXX to Equifax. There should be no reporting after XX/XX/XXXX. The company keeps stating they are doing a courtesy adjustment when the error was on their end. I paid the full balance well before the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit reporting act THESE COMPANIES have violated my rights : 15USC 1681 Sect 602a states I have the right to privacy. & 15 USC 1681 sect 604a Sect 2 also states a consumer reporting agency can not furnish a account without MY written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

XXXX XXXX XXXX has a collection listed on my credit report for XXXX XXXX XXXX XXXX. I was a victim of Identity theft in the Equifax Breach. I filed an affidavit and sent copies to all three bureaus in XX/XX/2018. I have called Equifax, and XXXX   repeatedly, and disputed the error, I have emailed/ faxed them to their company as requested a copy of my supporting documents " affidavit, and have gotten no response to the emaile/faxes, and rude, offensive customer service, regarding my complaint / dispute. When I call. I have also called, Equifax, and XXXX. Neither Equifax, nor XXXX have corrected this on my credit report. I have disputed this with each, with no correction. XXXX was also informed of the fraudulent account/ collection, and immediately removed it.
Product: Bank account or service

Charges not actually made by the consumer Charges in the wrong amount. 
Charges for goods or services not received by the consumer Charges for goods not delivered as agreed Failures to properly reflect payments or credits to an account Calculation errors Charges that the consumer wants clarified or requests proof of Statements mailed to the wrong address Significantly not as described product/goods
Product: Checking or savings account

Yesterday XX/XX/XXXX I went on the my mobile bank account and was looking at how much money I have, but today XX/XX/XXXX I looked and it was wiped clean with {$0.00} in my account I called they said it was closed and had no history I explained to them over the phone and went to the branch that I have a bank statement saying I make deposits every week at XXXX atm and that I had XXXX in my account and they are saying it was closed and have no records on that saving account I was at work and could not bring them the statements till after work and now they are closed been on the phone for 1 hour trying to get some answers and no one know and no one will help me
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 EQUIFAX regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reason : Please verify that late payment is made, I have never made a late payment, I have always paid on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, EQUIFAX 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, XXXX XXXX XXXX
Product: Credit card

Someone opened Kohls card under my name for XXXX $ on XXXX XXXX. Also I received letter from XXXX Bank regarding application for XXXX credit card asking more information. I did not applied for any new cards. Earlier in XXXX I had unauthorized purchases on my checking account from restaurants for XXXX $ using my debit card information even I did not lost my card. I had to replace my card and got these purchases investigated by my bank. I did call Kohls customer service and I dispute Kohls card on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Accounts have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting that I have a dismissed bankruptcy in my credit report. I shouldnt have any reporting of a bankruptcy in my credit file. I have requested in writing on four different occasions for XXXX and Equifax to conduct a reasonable investigation into this matter and to delete all reporting of dismissed bankruptcy from my public records and to cease & desist any type of bankruptcy reporting on any account. 
As of XX/XX/2019 XXXX is currently reporting a dismissed bankruptcy in my public record file. XXXX is also reporting a dismissed bankruptcy under account history and account status on a closed XXXX XXXX account. As of XX/XX/2019 Equifax it's currently listing an incorrect status and account history for XXXX XXXX XXXX closed account. XXXX and Equifax has confirmed that they have obtained public records from a third party vendor known as XXXX. As of XX/XX/2019 there is no bankruptcy reporting on my XXXX file.
Product: Debt collection

On XX/XX/2019 I received a notice from Collection Professionals , Inc. regarding a past-due balance from a medical provider in the amount of {$580.00} relating to a visit that I paid-in full for on XX/XX/2019. I sent a dispute letter on XX/XX/2019 via XXXX overnight courier to Collection Professionals , Inc. located in XXXX, IL. On XX/XX/2019, XXXX with Collection Professionals , Inc in XXXX, IL signed for the overnight letter on XX/XX/2019. On XX/XX/2019 Collection Professionals, Inc. submitted this account to XXXX  AFTER they received my dispute notice causing my credit to suffer negatively BEFORE they provided any information on the account to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Traded in a car and dealership didnt payoff within the 10day alotted time which resulted in a late payment dealership sent fax to XXXX saying it was their fault and to please remove from my credit XXXX  removed it from XXXX but did not from XXXX or Experian I disputed it with both and they will not remove it. Traded vehicle XXXX disputed XX/XX/2019. This was not my fault and it should be removed.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Barclays Bank for charging me illegal junk fees on my charged-off account. 

Account Details : Account Number : [ Account Number ] Account Type : Credit Card Account Status : Charged Off Past Due Balance : {$6500.00} Credit Limit : {$3800.00} Written Off Balance : {$5100.00} Total Junk Fees Charged : {$2700.00} Junk Fees : On XX/XX/2023, Barclays Bank charged me a TOTAL OF {$2700.00} IN fees on my charged-off account. This fee is excessive and unfair, and it constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and New Jersey consumer banking laws and codes.

FCRA Violation : The FCRA prohibits credit reporting agencies from reporting inaccurate information on consumer credit reports. Barclays Bank 's reporting of this junk fee is inaccurate, as it does not reflect the true balance of my account. The fee is also excessive and unfair, and it is not a legitimate debt.

New Jersey Consumer Banking Laws and Codes Violation : New Jersey consumer banking laws and codes prohibit banks from charging excessive and unfair fees. Barclays Bank 's reporting of this junk fee is a violation of these laws and codes.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Vehicle loan or lease

I purchase a car for XXXX dollars I gave XXXX down payment when I get my statement from the bank it says the loan was for XXXX I went to the dealer and ask for the original contract since he never gave me one he was suppose to mail it to me he claims he dont have It the bank sent me a copy and you can clearly see that my signature was forged I have proof that they advertised the car for XXXX online which is where I found and contacted them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ; Account : XXXX  XXXX - XXXX, Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX, - XXXX, XXXX - XXXX, Account : XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that this account is corrected to accurately reflect the payments and that any erroneous information is rectified promptly. 

Regarding the account : XXXX XXXX XXXX 

In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments.
Product: Credit reporting or other personal consumer reports

Help me submit my complaint to the three ( 3 ) credit bureaus regarding inaccurate items on my credit report,
Product: Credit card or prepaid card

I have a closed Chase Visa credit card. Each month I receive a billing statement which includes late fees even tho my payments are made on time. I then have to telephone a dispute to have said late fees removed. Each month.