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

XXXX XXXX XXXX in your letter are no truth no facts. I first purchased my home XX/XX/XXXX and not my wife but it were I that refinanced on XX/XX/XXXX to XXXX XXXX and transferred to chase at no time did I ever do a mortgage with XXXX, A lie. I see that you never mentioned my loan number XXXX thank you tells me you know who it belongs to and if not just review just confirmation numbers as XXXX and XXXX. Multiple dates are given now over XXXX decades XXXX XXXX fake SSN XXXX says he purchased several dates including on court record XX/XX/XXXX you say in your letter XX/XX/XXXX your attorney says XX/XX/XXXX in an email in XXXX. Currently pending on the CFPB portal against century XXXX ending XXXX asking them and refin about false advertising that XXXX XXXX is owner and purchased on XX/XX/XXXX with XXXX XXXX and both century XXXX. XXXX XXXX CFPB ending XXXX letter dated XX/XX/XXXX investigated and concluded " NO FORECLOSURE '' and the property went back to chase. Your client fake doctor and XXXX XXXX professor on loan applications had XXXX fake XXXX degrees I reported as XXXX PENDING. Also, wrongfully lying that he is the owner imposed on judge XXXX as she has said since XXXX and complaint against her are pending since XX/XX/XXXX as XXXX # XXXX. He cash two chase checks in my name XXXX handledd by det. XXXX XXXX XXXX. Explain why I have two inquiries recently on my credit file from XXXXXXXX XXXX 

Please tell the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

In early XXXX, XXXX, I was denied the issuance of a credit card from Ally Bank. Ally Bank did not inform me in writing as to why I was denied the issuance of a credit card. It is my understanding that Federal Law and credit card regulations REQUIRE that the issuer of credit cards provide a written letter as to why I was denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a charge in my Bank of America debit card for {$190.00} on XX/XX/22 from XXXX XXXX XXXX XXXX I did go on XXXX XXXX chatted with some person to see what credit company had me listed as owing... someone called me and Offered NO help whatsoever- even said I dont know how to help in heavy foreign accent! Im outraged! Im trying to find a number for this company- nothing comes up! Im XXXX and need this {$190.00} put back in my account! So upsetting!
Product: Debt collection

XXXX ofXX/XX/XXXXI received a subpoena from Midland Creditor. This subpoena was issued by XXXX XXXX XXXX. The court date was around or between XX/XX/XXXX XX/XX/XXXX. Due to health issues I reached out to Midland Credit and XXXX XXXX XXXX asking for a later court date due to health issues. A future court date was granted and I was never notified of that date. There was an open line of communication between myself and Midland during this court period. Midland Credit went behind my back and asked for a judgement against me. When I had no knowledge of the new court date. Midland used deceptive tactics to collect a debt that did not originally belong to them. Midland purchased my debt from XXXX XXXX with ill-gotten intentions to capitalize of me the consumer. I've tried reaching out to Midland to resolve this issue and no success. Midland has acted as a third party to terrorize me with bullying tactics. Today XX/XX/XXXX I reached out to Midland Credit to once again resolve an issue that originally had nothing to do with them. The Management team threatened to exercise use of a judgement they received from XXXXXX/XX/XXXXunder deception to continue the presuit of funds they were never entitled too. This has been a nightmare dealing with a Creditor that I never signed to do any business with. I never agreed to meditate or negotiate a balance with Midland that was originally in the hands of XXXX.
Product: Debt collection

On XX/XX/2019, I contacted Midland Credit Management concerning four debts I have with creditors in an attempt to resolve the debt. At this time, I spoke with XXXX, a representative of the debt collections agency. XXXX informed me during this recorded call ( recorded by agency ), that all four debts were grouped together under one case #, XXXXXXXXXXXXXXXX, and the total amount of the debts were {$10000.00}. ( Per documentation sent to me following this call, the " principal '' amount of the accounts were {$7100.00} ). In addition, XXXX informed me that on the scheduled court date, which was XX/XX/2019, said proceedings will include all four debts ( accounts ). During the court proceeding with a legal representative for Midland, a settlement agreement was made, wherein I agreed to pay a total of {$4200.00} to settle the four debts no later than XX/XX/2019. However, Midland is currently refusing to acknowledge the settlement agreement. They are claiming that the court proceedings, and settlement agreement only included three accounts, not all four accounts. As previously stated, I was informed by XXXX that the case being heard, or discussed in court on XX/XX/2019 included all four accounts. With that being said, Midland is attempting to collect on a debt that has already been agreed upon in a settlement agreement that was established during a court proceeding. Midland is in direct violation of The Fair Credit Collections Act, Section 807 ( 2a ).
Product: Debt collection

After having my teeth cleaned  at an in network dentist, I was billed for services that were supposed to be covered with only a copay. After being billed repeatedly and disputing with insurance company, I finally payed out of pocket after it was sent to collections. Nearly 2 years after settling the debt, I received another bill for the same services. I tried to contact the dental  office and learned that they went out of business. I am receiving calls from debt collectors for a debt that has already been payed. I believe they sold a bunch of debt, valid and invalid in order to keep the business afloat.
Product: Credit card

I purchased a leather sectional through Rooms To Go on XX/XX/2023. The delivery was scheduled for the first of XX/XX/2023. The sectional arrived as scheduled minus one piece. The sectional appeared to have no damaged. Within a couple days the leather was already damaged by normal use and pets. I was concerned that the leather damaged so easily. I notified RTG ( Rooms To Go ) about the damages. RTG sent out a technician within a week of the complaint. The technician stated " the leather was over pressed '' meaning its to thin. He made no attempt to repair any damages caused by us or pets. Pet damage is not covered. He stated " the damages stating " its brand new and should not be shredding and pealing '' He said he would recommend a reselect with his boss. After a week I contacted RTG for an update. The representative said I qualified for a reselect but the official determination has not been made. Over the next couple of weeks I called RTG but was told I was denied because of the pet damage. They did not consider the initial issue of the over pressed " thin '' leather as determined by their on investigation. It seems all they due is contact RTG and RTG says denied with out defending the quality or workmanship of the leather sectional. Synchrony Bank has failed to due diligence on this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor XXXX XXXX XXXX  erroneously reported a false account under my name to AMSHER Collection Agency who reported me to all the XXXX credit agencies resulting in a negative remark on my report. I have never used the XXXX XXXX XXXX  and I was never notified by the above mentioned collection agency. I called XXXX XXXX who admitted the error and XXXX XXXX was willing to credit back and close the account but XXXX XXXX was unable to do so because the account was already in collection. I reached out to AMSHER collection agency who have never notified me about their actions and they have already sent my case to XXXX XXXX XXXX XXXX XXXX XXXX. I disputed the account with all the three credit agencies and with AMSHER and the attorney office. XXXX and XXXX completed the investigation and concluded the account was reported in error and deleted it from my report but unfortunately XXXX did not perform accurate investigation and continues to have this account in collection.
Product: Credit reporting or other personal consumer reports

According to my rights under 15 USC Code 6802 ( b ) ( 1 ) regarding the obligations of financial institution in disclosing nonpublic personal information to nonaffiliated third parties. According to the law, you are required to : -Clearly and conspicuously discloses to me in writing or electronic form, that my personal information may be disclosed to an nonaffiliated third party ; -Provide me with the opportunity, before my information is initially disclosed, to opt out of such disclosures : -Account Name : XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX -Account Name : XXXX XXXX XXXX XXXX Also has incorrect personal information . The correct information is ; Name : XXXX XXXX XXXX : XX/XX/1989 Address : XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$3100.00} and XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX upon reviewing my credit report i notice some accounts that does not belong to me and are fraudulent asking that you please investigate.

See Attached
Product: Credit card

I make a payment every month of about {$200.00}. I have n't put charges on this card for about 2 years. But every month i owe more than the month before. I am wasting my money trying to pay this card because of all there fees and charges that I am not even sure what they are for. 
I am a month behind so I get about 5 calls a day they are recordings telling you to hit one for a representative. The recording does n't state who it is from. When you try to talk to them their English is bad and wo n't explain fees. I just do n't answer the phone if it is their number.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experianrequired to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identificationand any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Vehicle loan or lease

For covid19 I called Td auto finance to ask for a payment deferment. They agreed to give me 2 months with out payment and they would just extend my loan 2 months and not report me late on my credit. 

They infact reported me late and are now have their collection department calling me.
Product: Vehicle loan or lease

My dispute is with Santander Consumer upon repossession of vehicle company refused to accept any of my payments I called around to see what I can do the company still refuse to accept any of my payments I asked the company for information on notice to sell vehicle or location to purchase repossession I was not provided with any of that information to recover my vehicle. I was not given a notice of reinstatement, no notice of sale or location of sale. I called them and still they refused. This is a violation of my rights how can you report to my credit bureau for me to pay for something that I did not have nor expect me to pay when no notices were received. I did not even have an opportunity to purchase my vehicle at auction no notices address or information were given to me. I would like this removed from my credit report for failure to accept my payments and failure to properly advise me of my rights and provide notices.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, Experian, and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including letters dated XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Discrepancies and Errors Identified Inaccurate Late Payment Reporting Late payments for XXXX and XX/XX/XXXX, and XX/XX/XXXX, are inaccurately reported as " 30 days late '' across XXXX, Experian, and XXXX. Payment confirmations provided in previous disputes demonstrate that these payments were made on time. 
Data Inconsistencies Across Bureaus : The closed date is missing from Experian and XXXX while accurately reported as XX/XX/XXXX, by XXXX. 
Payment statuses are marked as " current, '' yet late payments are still incorrectly reported for certain months. 
XXXX adds unnecessary remarks stating, " Closed or paid account/XXXX balance Auto, '' which is not consistent with XXXX and Experian. 
Violation of 15 U.S. Code 1681i : The FCRA requires credit reporting agencies to verify the accuracy of reported information. Despite providing supporting evidence during the dispute process, the inaccuracies remain uncorrected.

Violation of 15 U.S. Code 1666b : The creditor is required to provide periodic statements at least 21 days before payment due dates. The incorrect reporting of late payments suggests non-compliance with this requirement.

Violation of the Truth in Lending Act ( TILA ) : These errors violate TILA provisions that emphasize accurate and timely disclosures to consumers, resulting in undue harm to my creditworthiness. 
Account Details with Errors Account Number : XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX ( missing from Experian and XXXX XXXX Account Status : Closed Payment Status : Current Errors in Two-Year Payment History : XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' Impact of Inaccurate Reporting These inaccuracies have caused significant harm to my creditworthiness, leading to denying credit opportunities and financial distress. Additionally, the failure to correct these errors undermines the reliability of the credit reporting system. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit reports with XXXX, Experian, and XXXX. 
Written confirmation from each credit bureau stating that these corrections have been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and exploring legal action under FCRA and TILA.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Personal Checking Account with Wells Fargo was hacked. Money ( {$500.00} twice ) was XXXX from my business account with XXXX XXXX XXXX to my personal account. Wells Fargo stated that they reversed the charges, but XXXX XXXX XXXX never received the funds as the XXXX account was suspended and the account was closed. Now neither bank knows where the {$1000.00} is. Well Fargo said they sent it, XXXX XXXX XXXX says they never received it.
Product: Debt collection

On XX/XX/20 a " collection '' was placed on my XXXX  credit report by an anonymous company just listed as " collection '' without any information other than a phone number. 

( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX ) After calling the number listed, the operator informed me the call was recorded and an attempt to collect a debt. I asked the caller to operator to verify the company information, and the original creditor, XXXX XXXX. I informed the operator I had not had an account with them in over two years, and would be disputing the debt. I informed the debt collector that I would call XXXX XXXX to dispute the charges as well. 

The debt collector attempted to gain additional information regarding my contacts, and informed me that contacting the original creditor to verify and dispute the debt was not an option as they would only 'send me back to the collector. '' I verified my address and telephone information was correct, and informed them I had never received a notice in writing, informing me of my right to verify or dispute the debt. 

I contacted XXXX XXXX to dispute the original charges, as I was not a resident at the location on the dates in question. XXXX XXXX informed me the charges, which are over 2 years old, would remain on my report despite the dispute, and incorrect dates and charges. XXXX XXXX confirmed my contact information as well, and never took steps to notify me of the debt prior to initiating collection activities. 

XXXX XXXX, and this Collection Company, are in violation of fair debt collection practices.
Product: Debt collection

I recently received a copy of my annual credit report. There was a collection agency by the name of portfolio recovery associates listed as a collection on all three credit bureaus. The debt amount is XXXX. This is not my debt. I sent a letter to them asking them to remove this collection immediately because of the negative impact this erroneous debt could have on my credit profile. This debt has affected my credit score negatively which causes financial harm to me and my family from qualifying for different financial services. I sent them a letter dated XX/XX/2019 that this is not my debt and for proof that it belong to me per the Fair Debt Collection Practices Act. 

They replied back with a letter dated XX/XX/2019. All I received was a two page statement of alleged charges. This does not meet the Federal Trade Commission guidelines that constitutes proper debt validation. Therefore I request immediate removal of this erroneous debt in the amount of XXXX from all three bureaus. If you don't comply you are subject to a fine up to one thousand dollars plus punitive damages. I'm sure that your legal staff would agree that non compliance with this request could put your company in serious legal trouble with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK IS STILL REPORTINH 2 ACCOUNTS ON MY CREDIT REPORTS W/O MY PERMISSION, AND THEY FAILED TO FORCE XXXX TO UN SUPRESS MY CREDIT FILES IN ORDER FOR YOU TO UPDATE CAP ONE ACCOUNTS. WE I SIGNED UP FOR THESE TWO ACCOUNTS IT REQUIRED A 4 CREDIT BUREAUS, XXXX, XXXX, XXXX XXXX XXXX, SO THIER IS ONLY THREE AND THUS VIOLATING THE DODD FRANK ACT AND F.C.R.A.CREDIT FURNISHERS LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX