23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was XXXX  on an XXXX XXXX XXXXXXXX in XXXX XXXX Texas on XX/XX/XXXX and was sent to XXXX XXXX XXXX  where I remained until I was recently released on XX/XX/XXXX. Someone opened up a credit card in my name on XX/XX/XXXX without my knowledge or consent and spent over {$400.00}. Now the company is attempting to collect a debt that is not mine. A public records search on the XXXX XXXX XXXX XXXX website and the Texas Department of Criminal Justice website will show my dates of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to call XXXX, XXXX and Experian for months trying to get remarks removed from my credit file and have been unsuccessful after numerous attempts.
Product: Mortgage

On XX/XX/XXXX I received my XX/XX/XXXX statement, however my mortgage increased by {$10.00}. Back in XX/XX/XXXX I received a statement of my escrow account which stated that we had a shortage and if we did not want our mortgage to increase we needed to pay {$180.00} which I paid by the due date and it cleared my account on XX/XX/2018. So I was surprised to see that my mortgage increased. I immediately contacted my loan company and spoke to a XXXX I D # XXXX to advise him of the situation. He informed me that their escrow department would not adjust due to the small amount. I explained to him that was not my problem that you adjusted wrong and that I complied with what I was given. I also told him you didn't even send out another notification informing us of your error you just adjusted my mortgage. With my mortgage payment being due tomorrow I don't know what to do. I can not afford to have my mortgage increase by any amount.
Product: Mortgage

I've attempted to sale a property I own for approximately two years. However, due to the market, I have not been able to sell it traditionally. I applied and was approved for a short sale. However, since XX/XX/2018,  I have not been approved for any contract that has been submitted. 

I have had two realtors attempt to sell the property, but out of all offers submitted, none have been approved. 

The foreclosure date was originally set for XX/XX/XXXX ; however, I was not aware and because of a complaint filed, it was extended to XX/XX/XXXX. Nevertheless, the subsequent offers were pulled because the foreclosure was listed on a website, XXXX, and Wells Fargo refused to have the foreclosure attorneys remove the listing. Subsequently, my realtor found another offer ; however, that offer was denied because of the impending XX/XX/XXXX foreclosure date. 

As a result, I asked for a deed in lieu of foreclosure, but was told that there was not enough time to conduct a review for this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. This is the 2nd request. Please remove them as they are not my accounts listed on my credit report. I have attached my personal documents to depict my personal information. I am not a credit repair company either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ). These creditors have reported inaccurate information related to my credit history, which has significantly affected my financial well-being and credit score. I request that the Consumer Financial Protection Bureau ( CFPB ) enforces legal action against them. 

Firstly, XXXX Credit Bureau and XXXX XXXX XXXX XXXX XXXX have both performed unauthorized inquiries that are beyond the statute of limitations. This is a clear violation of the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX have all reported inaccurate information related to late payments, which affects my credit score. This has caused significant financial hardship for me, as it has impacted my ability to obtain loans or credit. 

Furthermore, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have all reported frivolous accounts that I have no association with. This is a serious violation of the FCRA and has caused me great emotional distress, as I have had to deal with the repercussions of these false reports. 

As a result of these violations, I have been denied credit, had higher interest rates imposed on me, and have experienced difficulties in obtaining insurance and housing. This has had a significant impact on my life, causing me undue stress and hardship. 

Therefore, I request that the creditors in question remove these unverified collection accounts from my credit report immediately. I also ask that the CFPB takes appropriate action to enforce the FCRA and protect consumers from such unlawful practices in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. 

According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Debt collection

I had an account with XXXX XXXX which I paid faithfully. When I was preparing to move, I reached out to XXXX to give them my new address. By that time, they had gone out of business, so I could not contact them. A company named FCC Finance shows up on my credit report a few years later and claims that they have the XXXX XXXX debt. They never sent the information to my address. 

I have requested validation, as permitted by law, such as amount owed, last payment received, when the debt was supposedly transferred. I do not owe a debt to this company. I sent them a letter asking them to verify the debt. They DO NOT EVEN READ THE LETTERS! They just send back a letter saying it's verified. There's no way it can be verified because the original company is out of business. They are reporting me as120+ days late for more than two years! This is wrecking my credit score. All of my other accounts are current and this is affecting my ability to get a mortgage and I have been denied for credit several times recently. 

I sent them a certified letter requesting the validation. I waited 60 days to hear back and got no response. At this point, the debt should have been removed from my credit profile. About 75 days later, they responded with the same standard letter saying the debt was valid. They are not adhering to the law and it is having an adverse effect on my personal credit profile. 

I need to see when they supposedly took over, how much I owed at that point, how payments were applied to my balance. The information they are reporting has to be incorrect because it can not be verified. I am suffering irreparable harm from this inaccurate reporting. I have reach out to them several times and it seems like they ignore my request and just send the standard form letter verifying the debt. 

Also, XXXX has not been any help. I tried to get their assistance and they sent back a form letter saying they didn't know " the nature of my request or that my request was illegible. '' This is because they use a computer to review the information. The letter was typed and we certainly legible. I need a human to read the letter to see the nature of what I am requesting and remove the negative information. 

I implore you to advocate on my behalf to get the negative information removed from my profile so I can move on with my life. I have a history of good paying accounts and I am trying to launch a business during an uncertain economy. I need to have my personal credit in good shape and this unfortunate discrepancy is making that very difficult.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX XXXX  ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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.

EXPERIAN TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Reporting Agency, un like the other 2 is misrepresenting my credit profile with information that goes against the language that's governed by the FCRA, language inwhich assures an consumer that if the account is not verified with hard copies of such verification then the account shall be removed. Not only has it be 30 days its be more like 120 days but yet XXXX XXXXs still reporting false information inwhich I'm demanding be deleted from my current credit report.
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX and I am writing with great disappointment at Capital ones service, I am still unable to access my account for over 3 weeks as funds in it has been frozen without any official explanation, since XX/XX/XXXX due to funds sent from my cousin XXXX XXXX which I tried to transfer but to no avail ever since capital one is yet to provide any adequate information or detail I need more information on my accounts status funds received returned to sender ( XXXX XXXX ) if my full access is not reinstated. 

My account details below : Amount : XXXX Bank : Capital one bank Account name : XXXX XXXX XXXX Account number : XXXX Routing number : XXXX Regards, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND This account is a corporate account with I, as a member of the corporate LLC. This information has been reported prior and was removed by the lender servicing company. However, there is litigation and this is reporting on my personal name and is erroneous reporting, and need to be deleted immediately, this is causing a hardship and there is liability looming.
Product: Credit reporting, credit repair services, or other personal consumer reports

The BMO Harris Bank branches in Wisconsin, under the leadership of XXXX XXXX, have been running a soft pull on credit reports for new checking account customers. they've been doing this since at least XXXX. While this is indeed disclosed to the customer, it is explained as part of the approval screening process for the checking account. However, Retail President XXXX XXXX has directed branch staff to use that report to uncover lending opportunities, for consumer loans and home equity loans. At XXXX XXXX 's direction, they have also shared that credit report with the MLOs. XXXX XXXX has directed branch staff not to share with the customer how they know about the lending opportunities they uncover, not to share with them the details the branch staff uncovers, and not to tell anyone that they share the credit report with non-branch staff ( the mortgage lending department ). I personally witnessed this process as a branch manager at BMO, and it still goes on today. XXXX XXXX has a history of such shady behavior, as he was previously part of all the fraud scandals as a leader at XXXX XXXX.
Product: Checking or savings account

Every time I use XXXX services, hold on my money. When I use the service it always be some kind of hold on my money and I never see the money again but they tell me a fill out with all I'm doing is study adding money and I never see the money return to my account. XXXX tells me is my bank. My bank says XXXX, but I still don't see the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in close communication with XXXX XXXX regarding the reporting and detailed erroneous information that has been applied to my personal credit report for XXXX XXXX, XXXX, and Experian. I have received written information from XXXX XXXX stating that they are no longer reporting ANY negative information on my personal credit report for the XXXX XXXX Credit card, XXXX Credit Card, and XXXX XXXX XXXX XXXX credit card. After receipt of this letter from XXXX XXXX, I submitted a dispute with XXXX XXXX, XXXX, and Experian to have these accounts removed from my report as the information is no longer valid. XXXX XXXX, XXXX, and Experian completed the dispute wXXXX XXXX XXXX by only UPDATING the accounts to show as CLOSED and not DELETED. This information could not have been accurately investigated by XXXX XXXX, XXXX, and Experian within this amount of time and this resolution is completely inaccurate.
Product: Vehicle loan or lease

I sent in a principal only payment of {$220.00}. I clearly notated this on the stub as well as the check I sent in. Bank of America ignored my instructions and applied this towards the next bill and also took finance charge against it. I called and they say they will correct it. They said they will reissue a corrected bill reflecting this information. They did not. I see a new bill showing nothing is owed now for this month ( If they do this correctly, I owe the monthly bill which is {$500.00} ). So now I have no idea what they actually did because they will not correct and reissue showing me what happened to my money. All this while, interest will accrue for this time. It is like they are purposely occluding from me what is happening with MY MONEY. They messed up my bill. THey should be correcting it and reissuing a corrected bill not playing a money XXXX game which is exactly what is happening. THey sent me a message saying they moved {$220.00} to principal and {$270.00} to principal and I don't owe anything until next month. What actually should happen is they should do what I asked which is apply {$220.00} to my principal on the date it cleared, and correct and reissue the incorrect bill that they XXXX so that I as a consumer can actually understand what is going on with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd request. These are not my accounts..please remove them.
Product: Credit card or prepaid card

In XX/XX/XXXX we financed a golf cart through Yamaha Financial Services. Initially the financing was strictly in my name ( XXXX XXXX ) but the Company requested that my wife cosign the loan ( XXXX XXXX ). This transaction was handled through the issuance of a Yamaha Financial credit card. The first card ending in XXXX was issued and we made our initial payment of {$250.00} on that card. With the addition of my wife they reissued a new card ending in XXXX and all subsequent payments have been made on that card. On XX/XX/XXXX I contacted the Company and asked that my payment of {$250.00} which showed as an outstanding credit balance on the XXXX card be returned to me. I followed up with calls on XX/XX/XXXX, XX/XX/XXXX, XXXX and finally on XX/XX/XXXX. Each time I was told the matter had been referred to their accounting back office and I should expect a check within 30 days. As of this morning XX/XX/XXXX I am still not in receipt of my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX and equifax today which is XX/XX/XXXX about some negative inquiries that are reporting on my credit report and they did nothing to help but give me a hard time. 

equifax : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX : 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 XX/XX/XXXX,
Product: Credit card or prepaid card

Fifth Third has failed to honor its advertised MasterCard protections. Fifth Third has also reduced the credit limit on this completely paid off account with zero cause. 

Prior to XXXX XXXX XXXX committing fraud under the name of XXXX  XXXX  XXXX, Fifth Third reduced the credit limit on this account without cause or notice. This account has always been paid on time as all other accounts have been. This account also has {$0.00} balance other than this FRAUDULENT TRANSACTION. 

XXXX XXXX XXXX advertised a Heavy Duty Adjustable Dumbbell Set XXXX XXXX lbs. as noted on the XXXX purchase receipt delivered by Fifth Third Bank itself. However, no set was ever delivered. 

As noted in the top left of the attached page, the photograph of the set offered for sale shows a Set of Two Dumbbells, each weighing 52 lbs. Fifth Third Bank completely ignored evidence from its own so-called investigation. 

Fifth Third not only ignored the FACT that one dumbbell was delivered instead of the two that were advertised, Fifth Third also ignored the FACT that the of a set that was delivered not only does not weight 52 lbs., the weights are noted in kilograms instead of pounds. Worse yet, none of the adjustable weights even weighs in kilograms anywhere near the amounts listed on them. 

Far worse is the fact that the so-called Adjustable Weights DO NOT ADJUST. I can send video evidence that proves that these weights are stuck and can not be adjusted or even removed from the base. 

Aside from all of these FACTS that PROVE FRAUD, this order was canceled long before half of it was ever delivered. Fraud was suspected when XXXX XXXX  XXXX was E-mailed regarding shipping information and the company representative failed to provide any. IN FACT, the company representative failed to even provide a telephone number to contact anyone in the company. 

Despite the order being canceled, XXXX XXXX XXXX delivered half of a fraudulent product more than a full month after cancellation. XXXX XXXX XXXX also provided the name of Portable Steam Iron to Fifth Third Bank rather than XXXX XXXX XXXX. XXXX XXXX XXXX E-mail attachments PROVE that the order was canceled the moment that FRAUD was suspected and long before half of the fraudulent product was ever delivered. Please note the company has even failed to deliver the other half of the fraudulent product. 

When the half of the fraudulent product was received the company representative falsely claimed that the company was too new to know how to set up a return through a reliable shipper. Documentation is attached that proves the same. 

However, Fifth Third Bank has IGNORED ALL DOCUMENTATION OF FRAUD. While the Fifth Third Executive Office has claimed that it will look into the FRAUD, no word has been heard of the Fifth Third Executive Office even looking into the FRAUD.
Product: Credit reporting or other personal consumer reports

SANTANDER CONSUMER USA
XXXX XXXX XXXX XXXX XXXX, TX
XXXX


THE CAR WAS RETURNED AND THE ACCOUNT WAS CHARGED OFF OVER SEVEN YEARS AGO BUT STILL APPEARS ON MY CREDIT REPORT.  IT HAS BEEN DISPUTED IN THE PAST BUT REAPPEARS AND CAUSING FINANCIAL BURDENS.
Product: Mortgage

Received a demand letter FOR payment on a mortgage debt that was clearly DISCHARGED IN MY BANKRUPTCY FILING XX/XX/2014.tHIS IS OUTRAGEOUS THAT CitiMORTGAGE IS ALLOWED TO DO THIS WHICH IS A CLEAR VIOLATION OF A 93 A AND AGAINST THE LAW,
Product: Checking or savings account

Actually I got debit card fraud and they file a claim and they said it will take 10 business days to complete claim, but after business they denied my claim and they said I will not receive my money. So I want to file complain for why my file denied?