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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$200.00} Date Opened XX/XX/XXXX 2022
Product: Mortgage

BSI Financial mismanaged my 30 year fixed rate mortgage by mismanaging it as an interest only loan. They turned my home mortgage acccount into negative amortization as they began to withdraw from my homes equity. BSI stated they would correct the issue by XX/XX/2020, however, they did not. I wrote them via Qualified Written Request asking them to restore my account and my credit. I also requested they provide answer additional concerns as to how they planned to restore my escrow account. BSI has not properly restored my account. BSI Financial incorrectly deducted the funds not applied to my Principal Balance to the negative amortization balance of {$150000.00} which allowed them to keep the equity they errorneously took from my loans Principal Balance. When BSI financial assumed my home mortgage loan the Principal Balance was {$140000.00}, the {$23000.00} BSI failed to apply to the Principal Balance should have brought my Principal Balance to {$120000.00}. This needs to be corrected with an detailed explanation of their calculations.
Product: Money transfer, virtual currency, or money service

CashApp, with my debit card information, withdrew the amount totaling {$3300.00}. {$120.00} on XX/XX/XXXX, {$350.00} on XX/XX/XXXX, {$650.00} XX/XX/XXXX, another {$650.00} on XX/XX/XXXX, {$1600.00} on XX/XX/year>. I was not notified by CashApp nor my bank, XXXX  XXXX XXXX. I did not authorize any of these withdrawals. My debit card is missing as well. XXXX  was found on my phone as well and immediately deleted. I am unsure of the origins of the malware. I have had CashApp in case XXXX was not available but I have never used CashApp prior to this fraud. I believe the XXXX  accessed my cashapp account. I was not notified about the unauthorized withdrawals. I filed claim with with XXXX  XXXX XXXX as well, pending answer. The subsequent funds were used to buy XXXX and sent to an unrecognizable address. CashApp has denied my claim.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX ending in XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Mortgage

Advertisement played on XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX NMLS # XXXX / XXXX XXXX XXXX XXXX NMLS # XXXX | XXXX XXXX NMLS : XXXX The advert makes the statement " remember that bad appraisal from the bank that ruined your refinance? we can fix it '' This is fraudulent on several accounts because it offered no qualifiers or restrictions at any point during the advertisement : - FHA appraisals are tied to a case number and can not be re-ordered until expired - Appriasals can not be 'fixed ' - they can be challenged in very specific ways. Even when done by a skilled LO, a value change via appraisal challenge is by no means a guarantee. The can be reordered under CERTAIN circumstances. 
- " a bad appraisal that ruined a refinance '' may well have been one which appraised very low due to adverse market conditions - re-ordering or challenging an appraisal will not solve this problem. 

This advertisement is designed to drive leads to the lender that would result in adverse consumer mortgage experiences.
Product: Debt collection

I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.
Product: Checking or savings account

I am filling a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent like XXXX days ago court prove of the fraudulent charges committed by XXXX XXXX to Experian, Experian just received the documents and I was last paper work yesterday and and Called today Experian to follow up to see if they received the documents, they didnt even review the documents and in last than XXXX day they took off the dispute that is what Experian call a real investigation? 
That dont a investigation that is violation of the credit act Nobody cant do any investigation just a 3 days or 1 day and not telling me anything I dont believe this investigation at all About XXXX XXXX and Experian keep posting that is accurate
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account name : U.S. DEPARTMENT OF EDUCATION, XXXX XXXX  Account name : U.S. DEPARTMENT OF EDUCATION XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX XXXXXXXX Account name : U.S. DEPARTMENT OF EDUCATION XXXX XXXXXXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX/DOFED - XXXX - {$0.00} US DEPT ED XXXX XXXX XXXX {$5100.00} US DEPT ED - XXXX - {$3700.00}
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX of XXXX. I was pressured to sign paperwork before I had the car, including telling the financial institution that I had the car, when I did not. I will attach the texts. Upon receiving the car, I was upset right off the bat. The car was dead, and I could not get the door open. I had to research how to get into the car when the battery is dead. The car has an electrical short that the dealership had to be aware of. Also the gas tank leaks. Yes. The gas tank leaks gas all over the ground. 

Both the bank and the dealership are equally responsible on this part. It took me 5 months to get the title, so therefore I do not have a tag for the car. I went to have the car inspected for registration 4 times before anyone helped me figure out what was going on. Westlake Financial told me and the XXXX  XXXX XXXX that the process for an out-of-state title transfer is 40 days. They stated we were on day XXXX, and then it would be sent. I waited a month and then called Westlake again. This time they denied ever completing the out-of-state transfer. They then told me to go to the dealership. The dealership told me to go to the bank. I finally got the title last week, after 5 months. 
The car did not pass a safety inspection due to the leaking gas tank. Also the amount of rust on the car is horrible. The dealership did not disclose any of these issues. Nor did they inform me that the tires were rotted from the inside. I was in an accident last week as a tire blew out while I was on the highway, going to get a XXXX  XXXX. I was told by the dealership that I had a 90 day warranty in case anything went wrong. They have since refused to make right on that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Product: Credit card

My case is regarding the auto rental collision damage waiver provided with a XXXX card. I rented a vehicle, accepting a partial waiver to cover deductible costs, termed a partial LDW XXXX loss damage waiver ), which covers {$500.00} worth of damage. I had an accident with a deer that caused the total loss of the vehicle, around {$10000.00}. XXXX benefits is denying the claim, stating that I did not decline the collision damage waiver. The benefit information states clearly that " XXXX is secondary coverage which means that it supplements and applies in excess of, any valid and collectible insurance or reimbursement from any source. '' The benefit information also states that " if you accept the collision damage waiver offered by the rental company, you will not be eligible for XXXX. '' However, I did not accept a collision damage waiver, it was a partial coverage meant to cover deductables. Given the text that this benefit is supposted to apply in excess of insurance " from any source '' I believe I should still be covered, but despite an appeal Visa is still denying the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 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.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer reports and noticed there was a closed account by the name of XXXX, the account has inaccuracies reported account is currently paid off and closed and has been affecting my credit negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint to prove this company is reporting inaccurate information to consumer reporting agencies and violation federal laws This is the account name, number and how much be allegedly charged off. 

XXXX XXXX This company, XXXX is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said There is not a 1099-C available her account has not been discharded '' XXXX is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by XXXX to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication XXXX, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXXXXXX XXXX dictionary XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If XXXX XXXXXXXX has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

XXXX is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

ATTACHED IS XXXX STATEMENT SAYING THEY DO NOT HAVE A 1099C AND THIS ACCOUNT IS NOT CHARGED OFF
Product: Student loan

I have been assessed fraudulent late fees since XX/XX/2012. There are twelve of these!! I was never informed of these late fees until I called Navient recently! My credit history shows I have never been late on any loan or credit card payments. This is a ruse. I have been paying on this account for 15 years and my account has not gone down. Navient told me I had to pay {$1300.00} to ever bring my account down. Capitalized interest on my XXXX dollars loan at 2.8 percent or so is often {$270.00} every few months. That is outrageous and a deliberate attempt to destroy me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024. I sent in my FTC Report, along with my License to XXXX, Equifax, and XXXX. I am a victim of identity theft and i have incorrect information reporting on my consumer report. I will proceed with a civil lawsuit also.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian, Equifax, and TransUnion for failing to properly investigate my credit disputes, in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. Despite my multiple dispute submissions, these credit agencies have refused to conduct a reasonable investigation or correct inaccuracies on my credit report. Their failure to comply with federal law is harming my financial standing.

Furthermore, the CFPBs recent lawsuit against Experian and Equifax highlights their ongoing pattern of disregarding consumer rights under the FCRA. I demand immediate action to enforce compliance and hold them accountable for their negligence. I request that the CFPB intervene to have these inaccurate and incorrect accounts removed immediately.
Product: Student loan

A complaint has been filed Citibank Loan XXXX Complaint XXXX This was confirmed by the Citibank as XXXX loan assigned to me as a coborrower The primary applicant file bankruptcy in XXXX Case XXXX - XXXX XXXX Bankruptcy XXXX XXXX CT XXXX XXXX XXXX Attorney This is public record and a copy does not show the loan discharged as said by Citibank and the collection agency Where and how is Citibank listed in the bankruptcy and the amount of debt discharged Citibank makes the conclusion I am the primary when there is no proof it was account was charged off.. 

Complete details of the debt listed in the bankruptcy For the XXXX notice I am still getting contact letters from Citibank. 

A XXXX for cancellation of debt for which you wrote in the last complaint you has discharged and I became responsible. 

Are you sure I am to be receiving these notices? 

Where is the signed paperwork and accounts for this loan XXXX application has been provided but there must be information on loan disbursement and paperwork to prove identity of the recipients. 

Where did the money go in simple words? 

Unless you can prove the loan and prove this loan is listed within the bankruptcy I would think this is a problem. 

There are several Citibank loans in the XXXX Bankruptcy but which one is mine The XXXX issued for XXXX reference ID does not match any loans in the bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous attempts to alert credit bureaus to the fact that I have been the victim of identity theft and that I wish to inquire about specific data in my files that were obtained as a result of the crime. The paperwork I'm looking at has nothing to do with any purchases of goods, services, or cash that I've made or given the go-ahead for. Remove any information from my credit report that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one reported late payment on credit report to a home lender! XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is the worst!!! I have obtained my credit report and found there accounts I never opened, addresses I never resided, inquiries I never made and even different variations of my name. Comenity Bank was one of the accounts showing with an amount owed of {$870.00}. I disputed the account because I realized it was listed twice in my credit. Once with Comenity Bank and again with XXXX XXXX XXXX and both were open. I disputed the account and they then closed it as charged off. I attempted to contact this company and had the worst customer experience ever. The agent had a horrible attitude and hung up on me. I plan on taking action against this company for their very very rude tactics if this account is not deleted immediately. I have also filed an FTC report along with a XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.,