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

As outlined in FCRA Section 605B ( a ), credit reporting agencies must expeditiously remove any information labeled by the consumer as originating from an alleged case of erroneous activity, no later than four business days from the receipt of this notification. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$1900.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$8400.00} ; XXXX XXXX Balance Owed XXXX {$350.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I am seeking help, my rights have been violated as per 809.Validation of debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 809 by Second Round LLC. I sent a letter of validation in response to the letter notice of payment by Second Round LLC XX/XX/XXXX I sent the response letter on XX/XX/XXXX and have not received a response back as per 30 days. I sent a second letter of non-response XX/XX/XXXX. Second round LLC failed to respond to my letter and has since now to put erroneous and inaccurate information on my credit report. Second Round round LLC has failed to report to XXXX  that this matter is in dispute and by law can not pursue any credit reporting agency until the matter is resolved. Second round LLC has not validated this debt as per required by the fair credit reporting act section 809. I have Proof and certified mail of the timeline which shows the violation. Since they are violating the law and have not proven that this debt is mine I am requesting that all information passed on to any credit reporting agency should be removed.
Product: Credit reporting or other personal consumer reports

XXXX {$5200.00} balance I was Not at this address, account was owned & opened by someone else. I have never lived at this address.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate and fraudulent accounts that have been reported on my consumer credit file. Upon reviewing my credit report around XX/XX/year>, I identified several accounts that I did not authorize or open. These fraudulent accounts are damaging my creditworthiness and must be deleted immediately in compliance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( Blocking of Information Resulting from Identity Theft ). 
Fraudulent Accounts to Be Deleted Immediately : XXXX XXXX / XXXX / Equifax Account # : XXXX Account Type : Installment XXXX  XXXX XXXX : Account # XXXX XXXX : Account # XXXX Equifax : Account XXXX XXXX Account Type : Credit Card XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX : Account # XXXX Equifax : Account # XXXX Account XXXX : Credit Card XXXX XXXX / XXXX / Equifax Account XXXX : XXXX Account Type XXXX XXXX  XXXX XXXX XXXX  XXXX / XXXX / Equifax Account # : XXXX ( Equifax ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX / XXXX / Equifax Account # : XXXX Account Type : Collection XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX : Account # XXXX Equifax : Account # XXXX Legal Basis for Dispute & Request for Deletion : Pursuant to 15 U.S. Code 1681c-2, I am a victim of identity theft, and as such, I have the right to request the blocking and permanent removal of all fraudulent accounts from my credit file. Furthermore, under 15 U.S. Code 1681i ( Procedure in Case of Disputed Accuracy ), the credit bureaus are required to investigate and remove any disputed inaccurate information from my credit report within 30 days. Failure to comply with these consumer protection laws is a direct violation of the FCRA, subject to legal consequences.
Product: Credit card or prepaid card

I applied online for the Citi AAdvantage credit card on XX/XX/23. In the application details, it states " If approved today, you will get an account number and temporary minimum credit limit to use on travel immediately. '' I immediately received an email confirming my credit approval with a limit of {$17000.00}. The email only included the last 4 digits of the account card. I called Citi and American Airlines to see how to get the account number, as I wanted to book a flight from XXXX to XXXX that had dropped from {$290.00} to {$130.00} in XXXX hours. 

Citi told me that I would either have to wait the 7-10 days to receive my physical card in the mail, or XXXX hours when an email would be sent including the account number. XXXX hours is not " immediately '' as advertised, and given the fluctuation in prices by day, I might have applied for this line of credit without any benefit of savings.

I was told by American Airlines that the card information would automatically be added to my AAdvantage account, but it has not.
Product: Vehicle loan or lease

I leased a vehicle from GM Financial. My purchase price of my vehicle after taxes and rebates was {$44000.00}. This amount was used for calculating my payments. However, my vehicle was an XXXX, and GM Financial collected {$7500.00} in federal tax credits for " purchasing '' my vehicle. 

This week, my vehicle was rear-ended and we were determined to be not at fault for the accident. The other party 's insurance company ( XXXX ) has determined this vehicle will be a " total loss '', and will pay approximately {$38000.00} as the fair value for the vehicle to GM Financial, which accounts for the fact that a re-sale would NOT be entitled to the {$7500.00} tax credit. 

However, GM Financial is calculating a " Purchase Amount '' to end the lease and purchase my car for {$43000.00}. This amount is clearly standard depreciation of the vehicle based on the original purchase price, but does not factor in that GM Financial collected the {$7500.00} tax credit. 

If we agree to the {$38000.00} amount from XXXX, and the {$43000.00} purchase option, we will be stuck with a {$5000.00} bill to pay to GM Financial, and we were not even at fault for the accident. It is clear that GM Financial is not properly accounting for tax credits received on XXXX when calculating their payoff amounts. 

GM Financial collects the {$5000.00} in profit for holding my lease for 3 months, and if i were to lease again when replacing my vehicle, they would get the right to own my lease again for an additional profit. 

Operating with awareness of this discrepancy borders on fraud, and would not be permitted in any other financial services industry. 

XXXX XXXX XXXX GM Financial Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX ( XXXX ) XXXX. I had fraudulent transactions on my Citi AAdvantage card ending in XXXX from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. I notified Citi about those unauthorized transactions in XX/XX/XXXX. 

I sent proofs and evidences that I physically was unable to make those transactions ( I didnt and dont own a car, I also had the card in my possession the whole time ) but those transactions took place all over XXXX XXXX, XXXX, XXXX, XXXX, XXXX and even while I was outside of the country. I never made transactions outside of XXXX unless I was flying/traveling. I used my card at connecting airport ( XXXX XXXX ) while waiting for my connecting flight to XXXX, XXXX on XXXX XX/XX/XXXX. 

As mentioned, I sent proofs to Citi Fraud Dept ( via fax XXXX & certified mails ) numerous times in XXXX & XXXX. 
XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX and in XXXX : XXXX XXXX, XXXX XXXX The bank credited my account for fraudulent transactions from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. But Citi still hasnt credited my account for fraudulent transactions from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. On top of that Citi has been charging me late fees and interests. 

As of today XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX statement cycle, outstanding balance for fraudulent transactions and fees is {$790.00}. Numerous phone calls to Citi Fraud Investigation Dept XXXX and Citi Customer Service Dept XXXX but got nowhere with Citi. 

I have been banking with Citi since XXXX and no issues till last year. I always paid my entire balance by due dates. Please resolve this matter ASAP and credit my account for remaining fraudulent transactions on billing cycle XXXX XX/XX/XXXX - XXXX XX/XX/XXXX. 

Proofs & documents are being sent to CFPB via fax XXXX ORIGINAL CARD : XXXX REPLACEMENT CARD : XXXX
Product: Student loan

In my previous correspondence ( Case # XXXX ), I specifically requested a comprehensive review of all variable interest rates applied to my loans from XX/XX/XXXX to present. These rates do not align with the figures published in the " XXXX XXXX '' section of the " XXXX XXXX XXXX '' on the XXXX XXXX XXXX of each month, plus the margin rate per page XXXX of my promissory note. 


For instance, As of. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The rates provided by XXXX XXXX XXXXXXXX exceeded the XXXX rate that was indicated in the publication and margin rate, resulting in higher variable rates than what was contractually agreed upon. The following rates were applied : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Upon reviewing the letter, I observed instances where capitalized interest was charged after a forbearance or when the loan was in payment status. 

XX/XX/XXXX ( included interest that accrued through XX/XX/XXXX ) .This is not the close of business in XXXX, XXXX, XXXX, or XXXX. Was I making payments? If so, why was I charged? 

XX/XX/XXXX ( included interest capitalized through XX/XX/XXXX ) This is not the close of business in XXXX, XXXX, XXXX, or XXXX. Was I making payments? If so, why was I charged? 


XX/XX/XXXX This was not addressed. Why was capitalized interest applied twice in XXXX of XXXX? 

XX/XX/XXXX This was not addressed. Why was capitalized interest applied on XX/XX/XXXX and XX/XX/XXXX? Which one was the end of a deferment period? 


XX/XX/XXXX ( included interest accrued through XX/XX/XXXX ) Why was capitalized interest applied on XX/XX/XXXX and XX/XX/XXXX? Which one was the end of a deferment period? 

XX/XX/XXXX ( interest capitalized following the expiration of a Late-School Notification Forbearance ) This is not at the end of a deferment period. This is at the end of a forbearance period. Why was capitalized interest applied? 


XX/XX/XXXX ( included interest accrued through XX/XX/XXXX ) I was making payments and loan was not deferred. Why was capitalized interest applied? 

XX/XX/XXXX and XX/XX/XXXX ( interest capitalized following the expiration of XXXX XXXX XXXX ). 
This is not at the end of a deferment period. This is at the end of a forbearance period. Why was capitalized interest applied? 

The history of payment and capitalized interest is missing information from XX/XX/XXXX to XX/XX/XXXX. 

Multiple breach of contracts
Product: Credit reporting or other personal consumer reports

First off I have not applied for any Credit so My scores are unchanged. On XX/XX/2024 I checked my XXXX  Score and it's XXXX. Then I checked Equifax Credit Score. It's completely missing and in it's place is a '? ', They said it was the Systems Depart Fault. They said check back in a few days. A week later the score is back but it's been lowered like XXXX points to XXXX so I called them again. Equifax has a known history of screwing up Peoples Credit and they have been Hacked. Also if you ask me, they are incompetent. I sent a dispute in last year. Only XXXX fix the issue. Equifax and XXXX share Info and coordinate credit and they did nothing on the Dispute, I did get a word salad from them. Also when I called Equifax the first time reaching out I about the "? ' I was told by their representative they could not change my address since had I moved. Today XX/XX/2024 I called Equifax and their Representative said change of address is not an issue, I will address it. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I started out as a XXXX. Today I XXXX XXXX XXXX XXXX XXXX XXXX and I usually XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX the Deposit or Loans Systems which impacts the Customers Accounts is fired on the spot. Something needs to be done to these So-Called Credit Reporting Agency 's , They cost you XXXX  of Dollars in Interest with their erroneous credit reporting.
Product: Credit reporting or other personal consumer reports

There is information of a credit card that is closed on all three of my credit reports for a XXXX XXXX XXXX XXXX XXXX. 
I was a victim of identity theft and would like the account removed from all three bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letters out to XXXX, experian, and XXXX. on XX/XX/2022 and XX/XX/2022 still havent got a response back and it has been over 60 days. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of the letter. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX
Product: Mortgage

I have been in review for a modification and I have not yet to speak to the point of contact assigned to the case. I have called her numerous times to check status on the modification and to see if further documents are needed. They have asked me for documentation and they have all been provided. They other agents ask me for supplemental stips on a piece meal basis. Now today, another agent is stating that I did not provide a XXXX. I informed her ask reflected on my pay check stubs from the XXXX, I DO NOT receive a XXXX only paystubs. The agent and not the point of contact informed me that even though I do n't receive a XXXX and receive paystubs, I need to still have written them a letter reflecting the fact that I dont receive a XXXX. So therefore, they are stating I did NOT provide documentation to them in a timely manner. The point of contact has never stated this to me and now they are no onger reflecting I am in active review because I didnt informed them I do not not receive a XXXX when clearly they know because they have my paystubs! This is a travesty of justice and is slap in the face of every American. They are not playing by the rules and setting me up for failure.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 25 U.S.S 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( Files No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

This is the account that I have marked as inaccurate - XXXX
Product: Mortgage

I have called them several times - they refuse to fix the payments on my account. Yesterday they actually sent me a collection email and I am paid through XX/XX/XXXX. They sure do have creative accounting to say I am behind on my XXXX payment when I have paid through XXXX and the 1st half of XX/XX/XXXX payment due. I want them to be fined. I want them to sell my mortgage to a legitimate mortgage lender. - something - this is my 3rd complaint against this company. It is truly the worst consumer experience of my life.. They bought my mortgage in XXXX XXXX they sent out letters waiving any late fees due to the transition for new customers and it has literally been a nightmare ever since. Below are the payments I have made and when - they are not apply the funds properly I pay bi-weekly - it's very simple - but if you look at their books it isn't at all. Below I have my payments ... In the documents you will see their crazy accounting practices. I demand they fix my account immediately. They need to show my next payment date as XX/XX/XXXX for the amount of {$760.00}. That is what I should see when I log into my account. 

DATE AMOUNT Monthly Payment XX/XX/XXXX {$760.00} 1st Half Of XX/XX/XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half XXXX Monthly Payment XX/XX/XXXX {$740.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX
Product: Mortgage

I am being reviewed for a modification. The amount of information they need and the time frame that they are giving me to get it completed is not acceptable. I previously filed a CFPB complaint and was told my foreclosure date was moved to XXXX/XXXX/2016 However I need more time to get my tax documents together. I need Wells Fargo to understand this and GET OFF OF MY BACK. I have also filed a Qualified Written Request of which they have not provided exactly what I am looking for. 
Someone needs to call me NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX account XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXXd account XXXX, XXXX XXXXXXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX  account XXXX, XXXX account XXXX, XXXX XXXX XXXX  account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX  account XXXX, XXXX account XXXX, has violated my rights.

15 U.S.C 1681 604 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2. It also States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I never spoke with this company about a debt owed. Why am Im receiving a letter saying my settlement wasnt paid. Thats very inaccurate information.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activities. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX  XXXX Balance : {$XXXX} XXXX XXXX  XXXX Balance XXXX {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX  XXXX Balance : {XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax knows that there are fraudulent balances on my account and I have XXXX police reports documenting felony misconduct by this merchant - and Equifax effectively said they are still higher than the police and will not listen to police in removing fraudulent information from my credit report per federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus June 29, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act, the account listed below has violated my protected my consumer rights to privacy and confidentiality under 15 usc 1681 account name : XXXX XXXX XXXX account name : XXXXXXXX XXXX account name : XXXX XXXX XXXX  account name : XXXX XXXX XXXX XXXXXXXX. 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 15 u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency make any consumer report containing any of the following items of information. any other adverse items of information, other the record of conviction of crimes which antedates the report by more then seven years 15 u.s.c 1681s-2 ( A ) ( 1 ) a person shall not furnish my information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate