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

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Edu XXXX XXXX XXXX XXXX Via Dealer - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/2021 Re : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards and auto from XXXX XXXX XXXX with a balance of {$XXXX}, XXXX  XXXX with a balance of {$XXXX}, XXXX XXXX with a balance of {$XXXX}, XXXX  XXXX with a balance of {$XXXX} ( Account # : XXXX ), XXXX  XXXX with a balance of {$XXXX} ( Account # : XXXX, XXXX XXXX XXXX XXXX XXXX balance of {$XXXX} ( Account # : XXXX ), XXXX XXXX XXXX with a balance of {$XXXX} ( Account # : XXXX, XXXX XXXX XXXX XXXX with a balance of {$XXXX}, XXXX XXXX XXXX XXXX  with a balance of {$XXXX} ( Account # : XXXX, XXXXXXXX XXXX XXXX XXXX with a balance of {$XXXX} ( Account # : XXXX ), XXXX XXXX XXXX with a balance of {$XXXX}, XXXX XXXX XXXXXXXX XXXX with a balance of {$XXXX} XXXX XXXX XXXX XXXX with a balance of {$XXXX}, XXXX XXXXXXXX XXXX with a balance of {$XXXX} ( Account # XXXX XXXX ) These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Hard Inquiries : XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Incorrect trade lines reporting To whom it may concern : I checked my report for accuracy and saw an account from XXXX XXXX XXXX  for Original creditor : XXXX in the amount of {$1800.00}. 

According to the FCRA Section 609 ( a ) ( 1 ) ( A ), XXXX, Transunion and XXXX are required by law to verify and validate all accounts reporting through physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable proof, an original signed contract with my signature, you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of the verifiable proof, you must remove the account listed above. 

I demand the following account XXXX XXXX XXXX for Original creditor : XXXX be removed within XXXX business days.
Product: Debt collection

SEQUIUM has taken the debt collections from XXXX XXXXXXXX XXXX  XX/XX/2020 was place back on my credit and it was resolved by the company called XXXX money it was removed and resolved and now it's been place back on there so I will like to file a compliant and a lawsuit for harrasments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX REF : XXXX : XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. " ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual.

FCRA 623 ( a ) ( 7 ) Negative Information
Product: Mortgage

I am a victim of predatory lending. My mortgage rate is 10 %. I obtained my loan through Bank of America XX/XX/XXXX. I was told this was the only rate for which I was qualified, so I signed for it. I had no idea that this was not the average loan rate, or that I could have received a lower rate at that or any other institution. I was stuck! In XX/XX/XXXX, I applied for a loan modification. The application was wrongfully denied for incompleteness. I appealed, the bank admitted its mistake, then denied the loan based on housing expense and income eligibility. Bank of America NEVER addressed the predatory lending issue. I have managed to remain current on my mortgage payments but it is becoming increasingly more difficult as I have been forced into retirement, and my present income is now only XXXX % of what my working income was. I just want, and now, need a lower rate. The mortgage rate Bank of America is charging me is disgraceful and insulting, especially when the subprime rate is not even 10 %. Bank of America representatives will not even address the rate terms nor the detriment to my finances since XX/XX/XXXX. Bank of America 's actions of charging me this outrageous and unfair rate can only be sighted as abusive. I have been completely taken advantage of by this institution. Through a lot of personal choices and lifestyle changes, I have as yet, made my mortgage payments on time, and because my payments have been on time, my situation has not been viewed as a hardship, although it is a hardship and it 's getting harder every month. It seems that as long as I am paying, and the bank is not losing any money, they see no need to modify this loan, lower this abusive rate, or do anything to help me stay in my house.
Product: Debt collection

The initial debt was from XXXX XXXX. 

Following a contract closure, XXXX wrongly charged me for not returning their equipment, which I actually did ( XXXX  Return Tracking Number : XXXX ). I never received this invoice ( and despite my requests afterward ) After several phone calls, XXXX did find the equipment, and admitted it was a mistake from them, but still never canceled the wrong invoice. 
The 2 last calls to XXXX XXXX were on XX/XX/2022 and on XX/XX/2022. XXXX 's representatives always tell me that it will be handled within 10 days, but nothing is canceled. Worst, they don't have any traces of the previous request. 

XXXX XXXX sent this wrong invoice to XXXX XXXX debt collector ( + {$26.00} fees ), greatly damaging my credit score. XXXX XXXX finally waived this debt. 
Then XXXX it to CBE Group debt collector, with even more fees ( + {$47.00} fees ). I'm disputing this debt as well. 

It is endless and without a 3rd party intervention toward XXXX XXXX I can't solve this issue from which I am solely a victim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> TransUnion, XXXX TransUnion, XXXX XXXX TransUnion, XXXX TransUnion, XXXX Subject : Notice of Civil Liability for Negligent Noncompliance Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report and notify you of your negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o. 

Upon reviewing my credit report, I identified inaccurate and/or incomplete information that you have failed to correct despite previous requests for verification and correction. The following items are in dispute : 1. security finance Inaccurate debt. 
XXXX XXXX XXXXs another inaccurate account/ debt XXXX XXXX another inaccurate debt XXXXXXXX XXXX closes account but still on my credit report. 

According to 15 U.S. Code 1681o, any person who negligently fails to comply with the FCRA is liable for : Actual damages sustained as a result of the failure to comply has been the inability to get reliable transportation and home shelter due to inaccurate credit reports. 


Despite my previous request ( s ), you have failed to fulfill your obligations under the FCRA, including ensuring the accuracy and completeness of the information you report. Your failure to properly investigate and correct these inaccuracies has caused me harm, including but not limited to financial loss, damage to my credit reputation, and emotional distress. 

I demand that you immediately investigate and correct these errors in compliance with the FCRA. Additionally, I request a written response within 30 days confirming the corrections. If you fail to act, I will have no choice but to seek legal remedies, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages. 

Please treat this matter with urgency, and provide confirmation of your compliance. You may respond to me at the contact information provided above. 

Sincerely, XXXX XXXX
Product: Debt collection

for reference id : XXXX i think i have paid XXXX before i closed the water account in water department of XXXX so i don't know why city of XXXX charge me same amount again
Product: Debt collection

On XX/XX/XXXX I went to XXXX XXXX in XXXX, FL. When I got my car, nowhere was I informed about my right to recision and according to 15 U.S.C 1635 ( a ) I was supposed to be notified and my alleged contract doesn't state that, which makes this fraudulent. Also, the finance charge is supposed to be the sum of all charges, however, per this alleged contract, I was charged more, which is a violation of 15 U.S.C 1605. On top of all of the nonsense in the contract, Hyundai Capital America even repossessed my car, after I sent them a cease and desist and a affidavit of truth back in XXXX, XXXX which is a violation of 15 U.S.C 1692f by Hyundai using unfair practices. 

I sent Hyundai Capital America yet another affidavit of truth that was received and signed on XX/XX/XXXX which has still gone unrebutted and unanswered, therefore this means my statement will stand as truth in the court of law.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. I am also requesting the date that the supposed delinquency incurred, which should have been given to you by the companies. I know that it typically takes seven years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

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

SYNCB/LOWES, XXXX XXXX XXXX AND XXXXXXXX XXXX hard inquiries on without my permission and this is fraud and they are ruining my credit on XXXX
Product: Student loan

I am a part of the PSLF program ( public service loan forgiveness ). I am a XXXX in North Carolina. Upon review of my certified payments through XXXX Servicing ( XXXX ), I noticed a discrepancy and called to speak with a representative on XX/XX/XXXX. I was told I needed to go online and fill out a contact form. I immediately did that with the discrepancy information. They have 6 months of qualifying payments missing from one of my certified documents and another 9 qualifying payments from another. All I received were confirmation emails that they received my concern and would contact me " as soon as possible. '' I waited and sent additional emails on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of these emails have gone unanswered other than one of them on XX/XX/XXXX when I mentioned I may need to seek legal counsel, to which a representative named XXXX replied that " We are currently reviewing your qualifying payments for Public Service Loan Forgiveness.  This is a manual process and can take a great deal of time. We understand it is frustrating to wait, and we apologize for not having a precise time frame for this process. At this time we have many requests of this nature and are working as quickly and accurately as possible to satisfy all requests. '' Other than that, I have received no response. I'm concerned that my loan forgiveness is not only inaccurate but that I have virtually no recourse in how long or even IF my payments will be corrected as the customer representatives will not speak with me about it and no one will email me back. It's preposterous! How are they able to deal with government-backed loan programs and run a business like this?
Product: Mortgage

Bank of America mortgage has recently disabled their option to allow extra principal payments to pay our loan down. It used to be on their full website online as an option but they just decided to get rid of it. I was shocked to hear that the only option to make extra principal payments is to go drive to a bank or mail it in. We are unable to even try to do this by phone as BOFA will charge you. After contacting executive complaints Dept even they are aware how ridiculous this is. In today 's technology and especially when this was an option before how in the world can they think they can get away with this?? Driving to a bank or mailing it in is not only inconvenient, time consuming and costs us consumers interest and money not to be able to pay off our loan. It 's clear they are trying some deceptive option to make it difficult for us to pay off our mortgage quicker. I hope this gets around and something gets resolved or fixed. I 'm sure it will affect millions of customers.
Product: Debt collection

In XX/XX/XXXX, I noticed an unrecognized collection account had hit my XXXX report from Monterey Financial Services in the amount of {$3100.00} for collections from XXXX XXXX XXXX. After further investigation, I realized it also appeared on my XXXX report. I contacted Monterey Financial to request more information regarding the collections. After receiving this in the mail, I sent them a dispute letter regarding the charges. I also sent a dispute to both credit bureaus. 

All three agencies refused to accept my dispute, and are continuing to attempt to penalize me for this fraudulent collection. Monterey Financials then sent me further documentation that they had regarding these charges, which further supports my case. 

They provided me with the documentation for a timeshare that I purchased with another individual back in XXXX. This timeshare was paid in full by approximately XXXX. Between XXXX, I defaulted on maintenance fees, and the timeshare was foreclosed upon and I was sent to collections. This account was closed. This can be confirmed through my credit reports ( likely between XXXX to XXXX ). I can not access this information as it is no longer available to me via credit agencies and do I keep records from over 10 years ago. However, if I am forced to take this matter to court, I will subpoena this documentation and offer it as proof. 

Now, Monterey Financial Services is attempting to collect maintenance fees from the period of XXXX on that same timeshare that was foreclosed upon 14 years ago. They have no documentation supporting any reason why this account would have been reopened. My last signature on file with them was from XXXX. The address that they have on file for the maintenance fees has not even been a valid address for me since XXXX. Additionally, I have not been associated with the joint account owner since XXXX, so there is no way that XXXX XXXX XXXX could have possibly had the joint authorization needed to reopen this account. This is clearly either a case of fraud or error. 

Since my attempts to correct this with both the collections agent and my credit bureaus have been unsuccessful, I am seeking assistance with the CFPB to help remedy this.
Product: Checking or savings account

I paid my automatic XXXX  payment with my Chime debit card. The funds went through in chime and XXXX. The transaction disappeared. I called to make sure it still went through because it disappeared from my chime statement, they denied it. Then I paid my other bills then the payment went through when I didn't have enough funds. I believe someone is intentionally ruining my credit on chime 's end.
Product: Checking or savings account

SoFi Bank XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Unauthorized Charges and Poor Customer Service Dear SoFi Customer Service , I am writing to formally lodge a complaint regarding two unauthorized charges on my account on XXXX XXXX XXXX in the amounts of {$19.00} and {$22.00}. Upon noticing these transactions, I promptly contacted SoFi to dispute them. However, I was informed that the dispute process may take a minimum of several days and that temporary credits are not provided.

Frankly, I expected better service from SoFi and am extremely disappointed in this experience. I believed I was banking with a reputable institution, yet this situationalong with previous issues I have encounteredhas caused me to question that belief.

This is not the first time I have had trouble with SoFis policies and handling of customer accounts. Just a few weeks ago, SoFi held a preauthorized hold on my checking account for nearly two weeks, despite the merchant confirming that the final charge of less than {$6.00} had been processed the same night. The delay in releasing my funds caused unnecessary frustration and inconvenience.

I expect SoFi to promptly investigate and resolve this matter by refunding the unauthorized charges and improving its dispute resolution process. Additionally, I request a written response outlining what steps SoFi will take to prevent such issues in the future. 

Please address this matter with the urgency it deserves. If I do not receive a satisfactory resolution, I will have no choice but to escalate this complaint further. 

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

Transunion, XXXX, XXXX have violated my credit reporting allegedly failing to address my disputes during the pandemic. 

Information was reported Incorrectly from my Mortgage Company ( XXXXXXXX XXXX XXXX XXXX ). 

Pls see attached documents & articles.
Product: Mortgage

Tried to get a verification of mortgage and the company reported that I was late 30 days or more seven times in the last twelve months. After thirty hours of phone calls, I still can not get this problem resolved.
Product: Mortgage

Chase bank bought my Mortgage and then admitted that they mistakenly coded my homeowner Insurance as paid, when it was not. They bought a forced lender policy for XXXX in XXXX of 2015 and one for XXXX less than a year later. Then, after admitting that the Bank was at fault for " human error '', they reimbursed me for XXXX and then after many weeks, another check for XXXX. As far as I can see, they still owe us XXXX but while all of this was being figured out, they took out a third forced lender policy that was in effect for a matter of days and charged us XXXX within the last couple of weeks. This is a violation of RESPA because my Mortgage is escrowed and they were responsible for paying my Insurance. It is my belief that they cancelled the policy on purpose so that they could replace is with an inferior policy that cost five times what my policy was. The only reason they responded at all is because I told them I knew they violated Federal Law. And no they are trying to keep the cookies when they got caught with their " hand '' in the jar. If I were to do this in the general course of things, I would, no doubt, be in jail. I am only asking for what they took from me right now, but I may seek representation, if necessary. Thank you, respectfully, XXXX