23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been going back and forth with XXXX XXXXXXXX XXXX  XXXX, Equifax information services llc XXXX and XXXX XXXX XXXX XXXX since XXXX or XXXX of this year upon looking at my credit report, I tried to explain to them that I am the victim of identity theft and I disputed them two, three maybe four times a week for them to keep coming back telling me the information was verified, XXXX XXXX I sent a copy of my license, informing them that I do not live at that place but to no avail they still sent me the same information back as if it was a robot repeating the process, ive sent you the fair laws in a complaints on all three already im tired of fighting alone I need for all three credit bureaus who violated my privacy to remove all inaccurate information off my credit report Im trying to move and they have my credit report looking like shredded wheat and I dont have that much credit, its not fair to me to keep looking at my credit report seeing closed accounts that were paid for and one account that wasnt mine. Im asking for your help to get those inaccurate reports off of my credit report so I can move on.all three credits bureaus keep sending information to put and keep me in debt but wont help with the real issues..
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed below is false account information. These accounts do not belong to me and must be removed immediately. I have filed a complaint with local authorities and the FTC. 

1 ) XXXX  XXXX XXXX XXXX {$14000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$0.00} Opened XX/XX/XXXX 3 ) XXXX  XXXX {$5000.00} Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, creditor XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. These violations have resulted in inaccuracies in my consumer report and infringed upon my rights. Specifically : Privacy Rights ( 15 USC 1681 ) : The FCRA ensures a consumer 's right to privacy. Information in my consumer report includes details that should not be disclosed without my explicit consent. Permissible Purposes ( 15 USC 1681b ) ( Section 604a ) ) : Experian included information in my report without my explicit written consent. Timing of Payments ( 15 USC 1666b ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Notice of Disclosure and Opt-Out ( 15 USC 6802 ) : Consumers must be given notice of disclosure and the option to opt-out of such disclosures. I have not received such notice regarding this option for my consumer information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX  XX/XX/XXXX. 
TransUnion XXXX XXXX XXXX XX/XX/XXXX. 
TransUnion XXXX  XXXX XX/XX/XXXX. 
TransUnion XXXX XXXX XX/XX/XXXX. 
TransUnion XXXX XX/XX/XXXX. 
TransUnion.XXXX XXXX XXXX  XX/XX/XXXX. 
TransUnion XXXX XXXX XX/XX/XXXX. 
TransUnion. 
XXXX XX/XX/XXXX. 
TransUnion I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card

Citibank N. A. located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX, issuer of the Citi XXXX XXXX AAdvantage card is purposefully and knowingly applying extra payments in excess of the required minimum payment to balances with lower interest rates instead of higher rates. The Credit Card XXXX of XXXX prohibits this practice. I have called numerous times and the customer service reps admit that the excess payments are being applied incorrectl but no resolution when request for pyaments to be applied appropriately are escalated. 

I received a notice from Citibank on XX/XX/XXXX that states " payments amounts greater than minimum due are applied to balances with higher APRs before balances with lower rates '' however, they are not doing so. they are purposely, knowingly cheating their customers and unlawfully making millions. 

Citi bank has been incorrectly applying extra payments ( not counting minimum payment ) since XX/XX/XXXX to date on my account ending in XXXX : XXXX {$1000.00} XXXX {$300.00} XXXX {$2400.00} XXXX {$600.00} XXXX {$300.00} XXXX {$930.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1300.00}. 

Since XX/XX/XXXX, my balances and interest charges have been inaccurate. I need your help since my attempts to resolve it myself have been unsuccessful. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

Experian po box XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute and Request for Deletion of XXXX  in Violation of FCRA Dear Sir or Madam, I am writing to formally dispute the reporting of a closed XXXX account on my credit report. The account in question is : Account Number : I believe this account has been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Under 15 USC 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish my account information without my written consent. I have no record of providing such consent regarding the reporting of this account.

2. Additionally, under 15 USC 1666b, a creditor may not treat a payment on an open-end consumer credit account in a way that results in inaccurate reporting or an unfair representation of my credit history. 

I request that you investigate this matter promptly and remove the closed XXXX account from my credit report as it has been reported without compliance with the provisions outlined above.

Per FCRA, you are required to investigate and respond to this dispute within 30 days of receipt. I also request written confirmation of the results of your investigation and any corrective actions taken. 

To assist in your investigation, I have included : A copy of my credit report with the disputed account highlighted. 
A copy of my government-issued ID and proof of address for identity verification. 

If this issue is not resolved to my satisfaction, I am prepared to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal remedies as allowed under federal law. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the legally required time frame. 

Sincerely,
Product: Vehicle loan or lease

I got car repossed in XXXX and XXXX they sent letters to pay {$730.00} to finish I guess what I owed from not paying. They sold the car to an auction and I still got to pay why??
Product: Debt collection

I do not have a debt with XXXX XXXX I pay my bill every month on time
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent cerified mail and made several phone calls with Transunion about reporting inaquate information on my credit report leaving me with problems on my credit report.
Product: Debt collection

This company XXXX XXXX XXXX is trying to collect a debt of {$500.00}, I called them and I called my insurance, both sides told me the hospital didnt do their part and didnt sent the right paperwork for my insurance to paid it. And now they are trying to charged me something I did no owed, it was their job to send my insurance the right paper work and they still havent done it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX, Account # : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. The following below is all inaccurate information on my credit report under the Account Name XXXX. The Date Opened, High Credit, Last Reported, Date Last Active, and Date of Last Payment. I would like it to please be removed immediately. There has been an attached document with more details supporting the inaccurate information below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint the XXXX time following up my request for assistance to from Experian, XXXX and XXXX Credit Bureaus for the removal of inquiries from my XXXX credit reports. I understand that inquiries on my credit report can impact my XXXX XXXX, and as a responsible consumer, I strive to maintain an accurate and positive credit profile. Therefore, once more I kindly request your assistance, XXXX Credit Bureaus in promptly investigating and removing these inquiries listed below from my credit report : EXPERIAN : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was financing a car with  Heritage Acceptance Corp  in    XXXX   XXXX  .The  company was taking money directly out of my checking accounts every two weeks. I paid on time and never missed a payment. The beginning of   XXXX   XXXX      one of their Acc ounts reps had called and said to me you do n't have that much longer to pay off your loan would you like to pay it off in full? I made arrangements of  two  payments to be taken out in  XXXX  that would calculate to {$850.00}. Now I did n't know me paying off the account in full would leave a derogatory remark on my credit report. I started looking at my credit report in   XXXX   XXXX   XXXX     and I had called and talked to the acco unt manager a nd explained to her that I have a remark of " Derogatory Less than settled amount '' she stated its nothing that she could do. So I decided to take action and have them to dispute this remark and they did n't within th e 30 period. Now they are in violation of the FCRA 623 ( a ) 3 and FDCPA Section ( 225 ILCS425/9.3 )   Attached is all the necessary paperwork you need to review this case. I had been calling them about this problem since   XXXX   XXXX   and nothing has been done until now. At this point they had time to work something out now I can no longer sit around and deal with this situation.
Product: Credit reporting or other personal consumer reports

Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. It is imperative that you understand the gravity of this issue and the profound impact it has on my financial well-being, credibility, and personal security. I have provided you with detailed information and documentation establishing the fraudulent nature of these accounts, as well as my status as an identity theft victim. 
XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX, account number XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ). This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has violated these rights by failing to remove the inaccurate information from my report.

I request that you investigate this matter and ensure that XXXX XXXX corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to this matter
Product: Debt collection

VALIDATION AND CEASE AND DESIST Spring Oaks Capital LLC XXXX XXXX XXXX XXXX, VA XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear CEO of Spring Oaks Capital LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX # XXXX, has violated my rights. 


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: Mortgage

We hired an attorney ( XXXX XXXX XXXX, XXXX ) ) through legal shield in XX/XX/2019. The attorneys wrote a letter of complaint that the Fay Servicing did not apply a credit of {$190000.00} to our account that was cancelled ( 1099C attached ) by the previous servicer ( XXXX ). 
Fay Servicing responded ( letter is attached ) essentially stating that we did not live up to our modification agreement by not being in good standing that was given us, so we forfieted the credit.However that was NOT TRUE, we have attached 12 months of bank statements paid to our previous servicer indicating our payments. 
We asked Fay Servicing why did we receive a 1099C if we weren't suppose to get the credit. They said in the letter of response to us, that they send them out as a FORMALITY. How could this be legal when we have to file these documents on our tax returns, which we did for that year. 
The attorneys that we hired said that we would have to sue to take it any futher and we don't have the funds for that. Please help us straighten this situation out.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For this violation
Product: Mortgage

XXXX Working with XXXX Mortgage and Caliber Home Loans to resolve incorrect Hazard & Earth Quake insurance for {$1700.00} per month forcing me into Bankrupcy and foreclosure in 2016 Told in XXXX was receiving a credit and it never came XXXX.
Product: Credit reporting or other personal consumer reports

I was stunned when I checked my credit report this morning and saw incorrect accounts listed. I had no reason to expect any issues, but for some reason, there were discrepancies I couldnt explain. Refreshing my browser didnt resolve anything, which made it clear something is wrong. Im urgently asking for the documents Ive sent to be carefully examined so I can stop worrying about this problem recurring.
Product: Mortgage

SPS has not confirmed the amount of the original debt, which is still questionable. SPS provided an accounting of monies owed post-modification, which did not satisfy our written request of XX/XX/XXXX. SPS reflects a deferred principal, in addition to a current balance on which payment are being made, totaling more than {>= $1,000,000} ; however, SPS can not explain how we arrived at that amount, and still reflects In Progress for the Note and Deed that are necessary to resolve the dispute. 
A Certificate of Satisfaction was filed by the original creditor. It is our assertion that SPS is attempting to collect on a debt previously satisfied as part of the XXXX lawsuit-driven settlement resulting from practices predatory in nature. We confirmed this having been filed with the court on XX/XX/XXXX ( copy furnished ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee, as successor-in-interest to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of the holders of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Asset-Backed Certificates Series XXXX, and have provided it to our counsel. 
Since XXXX, we have been victimized, unknowingly paying on a loan that will never realistically be satisfied, a loan whose validity has yet to be confirmed, a loan with a deferred principal that exceeds the propertys current value and an additional balloon payment of more than {$200000.00} at maturity. This loan has a balloon payment that, at its XXXX maturity, will require my husband and I, who will be XXXX and XXXX  years of age, to secure a new mortgage loan in the amount of {$970000.00}. 
We accepted a modification and unknowingly agreed to predatory terms in an effort to simply keep the home that we have worked so hard for these past XXXX  years. Even after governmental intervention and efforts to implement corrective action of illegal lending practices were put in place, we remain victims of unethical banking activity, to include SPSs failed provision of evidence that supports a payoff in excess of {>= $1,000,000}, far more than what we borrowed, unjustifiably reflective of erroneous fees, and grossly more than SPSs XX/XX/XXXX property valuation of {$630000.00}. 
We have additionally engaged counsel based on SPSs blatant dismissal of our very valid request to confirm the debt in question.
Product: Mortgage

Just received letter from LoanCare of Va. They said a payment was applied of {$650.00} to my principal in XXXX and pulled back out per my instructions. Copy of XXXX and XXXX will be faxed to CFPB in 10 minutes!! NO record of ANY {$650.00} dollar payment either way. Since XXXX of Last Year, I have tried to get LoanCare Correct their mistakes showing on their own statements, with NO success. CFPB did take actions against LoanCare in the past. LoanCares latest letter, Exactly as they did in recent complaint with CFPB, they lied to me and CFPB. Along with lying you have breach of contract, and what about the federal and state laws broken? 
Fax of documents ( LoanCare 's own monthly statements ) coming shortly after getting complaint # from CFPB!
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE and DESIST On XX/XX/2021 XXXX XXXX XXXX the consumer informed Transunion, XXXX, and XXXX that i was a victim of identity theft and provided them with a copy of my FTC report. It has been almost a year later and Transunion, XXXX, and XXXX has failed to provide me any proof of their said investigation as to me granting permission ( i.e. my signature giving permission for said transactions/accounts ) for said companies to use my personal information on any accounts that they have falsely reported to my consumer report. This notice serves as their second notice to correct the issue because as of now they are in violation of my CONSUMER RIGHTS which states : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of 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. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. You have violated this consumer law of mines because you were notified of the theft and have been giving proof of my identity yet everything on my FTC report is not blocked and is still being reported on my consumer report. According to my CONSUMER RIGHTS, everything in my consumer report should be reporting to 100 % accuracy. It is not accurate if you are allowing identity theft to be reported on my consumer report which is another violation of : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

XXXX  bank portfolio Recovery is garnishing my account from a balance that was apparently from  XXXX  On my credit report it is showing that is charged off.. I was told that I made a payment in  XXXX  of {$50.00} and the Representative failed to provide me with poof and stated that this restarted the process. I have no knowledge of this and was n't served any legal papers. They took my state income taxes.