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

I received notification from the creditor that they couldnt find record of this account, so how did you come back and say that it was verified as accurate? Unverified and illegal reporting, remove the following account from my credit report immediately : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; CHILDSUPPORT XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK USA N Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$6900.00} {$6500.00} XXXX CARD Account Info Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$11000.00} {$10000.00} 2. I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I noticed that XXXX XXXX XXXX - account number XXXX was reinserted into my TransUnion credit report without my knowledge or consent. This action violates the FCRA Section 611 ( B ), which outlines specific requirements for reinvesting previously deleted information.

Certification of accuracy of information : The FCRA mandates that any information deleted from a consumers file pursuant to subparagraph ( A ) may not be reinserted by the consumer reporting agency unless the furnisher certifies that the information is complete and accurate. In this case, there was no certification provided by XXXX XXXX XXXXXXXX regarding the accuracy of the reinserted information. 

( ii ) Notice to consumer : Furthermore, the FCRA stipulated that if any information deleted from a consumers file is reinserted, the consumer reporting agency musty notify the consumer in writing not later than XXXX business days after the reinsertion. I did not receive any written notification from TransUnion regarding the reinsertion of the XXXX XXXX XXXXXXXX account number : XXXX into my credit report.
Product: Debt collection

I received a text message from this company, regarding a debt I do not recognize as my debt. In addition, this debt amount is the exact same balance as a another debt on my credit report that I am currently disputing with a different company. This appears to be an attempt by two different companies to collect the same debt from me, which has not been confirmed as my debt. 
I am writing in response to your recent communication dated XX/XX/year>, in which you claim that I owe a debt. I am requesting that you validate this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the fo

llowing information so I can properly assess the validity of this debt : 1. The name and address of the original creditor. 2. A copy of the written agreement, contract, or other documentation that establishes this debt.

3. An itemized accounting of the debt, including the original amount, any fees or interest added, and how these charges were calculated. 
XXXX. Proof that you have the legal authority to collect this debt, such as a copy of your agreement with the original creditor. 
XXXX. A complete record of all payments made and their application to the balance. 

Until you provide proper validation of this debt, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies, as failure to validate the debt could be a violation of the FDCPA. 

Additionally, if this debt is found to be invalid or can not be verified, I request that you inform all credit reporting agencies to whom you may have reported this debt, and remove the listing from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for the last 3-4 years to open a bank account with the large bank entities in the United States but with no good end result. XXXX XXXX, Chase, XXXX  XXXX XXXX. I have even tried the lesser accounts that XXXX XXXX offers for those with bad credit history but still not an option. I am working on getting my credit score back up to normal and with a legit bank account it would definitely help but every bank is telling me no. I would like an in depth look into why that is and for it to be resolved. I have been up to date on most of my payments and dont owe anything to any banks.
Product: Mortgage

Pnc mortgage company is dragging their feet about stopping pmi. I have asked them twice in the last 9 months to take it off. I am now at 68 % LTV and XXXX XXXX 2016 is the scheduled time that it should stop. I want to send My XXXX payment without pmi payment but they say I should send it in anyway. I asked for new coupons showing no pmi on the coupon payment book. They always have an excuse, never get to talk to a supervisor. I am afraid that pmi is never going to stop unless I sue them. I should n't have to since it is the law that it stops at the scheduled time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 an account without my written instructions.
Product: Vehicle loan or lease

I purchase a new XXXX XXXX ( XXXX ) from a local toyota dealer ( XXXX XXXX toyota corolla dealership ) on XX/XX/XXXX. I did a trade in at the dealership. I owed them a balance of {$12000.00}. XXXX financing was approved from XXXX XXXX XXXX ( see attached ). Lo and behold, I received a letter dated XX/XX/XXXX - confirming that my financing was not approved. In effect, XXXX corporation reneged on their contractual agreement with me in an arbitrary fashion. This is unprofessional and unethical conduct by a XXXX XXXX manufacturer. Furthermore, I am a medically challenged citizen suffering four chronic ailments : - 1 ) XXXX 2 ) XXXX XXXX 3 ) XXXX and 4 ) XXXX I immediately got XXXX XXXX when I received this letter from Toyota. My stress levels were very high, and I have not had a decent night rest since. I have taken the liberty to attach a recent article regarding the CFPB and a lawsuit Vs Toyota corporation regarding a related issue to my complaint. Please be guuded accordingly.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to formally dispute and escalate an issue regarding inaccurate late payment reporting on my credit report for the account with XXXX  XXXX, account number XXXX, as reported by TransUnion XXXX Despite submitting two previous requests for correction on XX/XX/year> and XX/XX/year>, the information remains incorrect, constituting a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Evidence of Error : In reviewing the two-year payment history provided by TransUnion, a 30-day late payment is inaccurately noted for XX/XX/year>. However : Payment records confirm that the payment was made within the grace period. 
No delinquency notices were issued for this period. 
The reported 30-day late payment violates 15 U.S.C. 1681i, which requires credit reporting agencies to ensure maximum possible accuracy of the information in consumer files.

As stipulated by 15 U.S.C. 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The failure to correct this error suggests non-compliance with these legal requirements.

Legal Violations : FCRA : 15 U.S.C. 1681i mandates that credit bureaus investigate disputes thoroughly and correct inaccuracies. The persistence of this error demonstrates a failure to fulfill this obligation. 
TILA : The inaccurate reporting undermines the Truth in Lending Acts aim to ensure fair and accurate disclosures to consumers.

PAANL : The Protection Against Non-Payment of Obligations Act further reinforces the necessity of providing accurate and timely statements to avoid penalties to consumers, which was not adhered to in this case.

Desired Resolution : I am requesting the following corrective actions : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/year>. 
Written confirmation of the correction from TransUnion. 
Verification of the updated report to ensure the information reflects my actual payment history accurately.

If this issue is not resolved promptly, I will escalate my complaint to include filing additional complaints with the CFPB and other relevant agencies, and I may explore legal remedies to address the harm caused by this error.

Thank you for your immediate attention to this matter. Please confirm receipt of this complaint and provide a timeline for resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX Account XXXX XXXX {$480.00} ; XXXX XXXX XXXX XXXX XXXX Account Balance : {$11000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My credit report is showing a unauthorized inquiry from XXXX XXXX  on XXXX, this UNAUTHORIZED inquiry has affected my credit profile and is affecting me from using my credit. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy this inquiry needs to be removed immediately.
Product: Mortgage

To my understanding, there is a total of 14 months forbearance for mortgage assistance. 

I applied for the COVID19 forbearance XX/XX/XXXX for a period of 3 months ( XXXX, XXXX, XXXX ) and I resumed making payments ( XX/XX/XXXX ) after that time, as the automated line on the mortgage payment website stated that my forbearance period has ended. 

Well XX/XX/XXXX, due to slow work, I called to apply for the forbearance program and I was informed that I had exhausted 13 months of forbearance and that any forbearance at this point would end XX/XX/XXXX. I proceed to inform them that I had only used 3 months of a 14 month program. They proceeded to tell me that I was " Automatically '' enrolled into the program as of XX/XX/XXXX, then very rudely told me that I should have received a letter and that I should have read the fine print. I told the agent that this is totally unacceptable to do this on my behalf without knowledge. 
By banking industry standards, banks are prohibited to enroll patrons into programs without their knowledge and I believe my rights have been violated, as I was just recently kicked off of the covid forbearance. I made this complaint several times in XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Initially I was told back in XXXX that this was under investigation, however, when I call and spoke with XXXX XXXX XXXX my case had not been assigned since XXXX of last year. 
I expressed that this is not being transparent and this violates my rights.
Product: Money transfer, virtual currency, or money service

I submitted a withdrawal request via wire transfer on XX/XX/XXXX in the amount of {$10000.00} from GDAX ( owned by Coinbase ). Wire transfer was promised to be processed with the funds available in my bank account within 1 business day. I submitted a request to GDAX to address the missing funds on XX/XX/XXXX. I then followed up again on XX/XX/XXXX with another request for GDAX to address my missing funds. They have not replied to either requests, and my funds have not been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convinctions of crimes which antedates the report by more than seven years.

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: Debt collection

The phone will ring. I will then answer it although it display as Portfolio Recoveey or Scam ... I then say Hello several times no response. But the line is still active no response on the receiving end. I then request to not call this phone number any longer, only for the party to then hang up the other line. They then will call again from a XXXX area code then hang up once I answer. This is a continuous basis and very much harassing to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$6000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc. for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX - XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Mortgage

On XXXX XXXX subserviced by Flagstar Bank reported to the credit bureaus I increased my mortgage balance instead of showing my payment. This resulted in my total debt to rise and affected my credit score to incur a XXXX point loss. I had filed a dispute a week ago and tried to speak with the bank tonight who said they didnt have a person at the bank that handles situations like this. They advised me to print and submit a form I felt this was a runaround stall tactic so I informed them I would be reaching out to their governing body to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on my equifax credit report
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 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit card

I have recently been advised that my Pay Pal mastercard, issued by Synchrony bank, will begin charging me XXXX $ each month for a paper statement. Is this allowed and why? How can they charge me to tell me i owe them? 

Please respond via phone at XXXX or email at XXXX. 

This seems like something that should not be allowed. 

Pleas advise asap, Thanks, XXXX
Product: Consumer Loan

I purchased a New XXXX Dodge Dart from XXXX XXXX. This vehicle was a Lemon and at XXXX miles the Head/Upper Engine Block failed, I took it to be repaired and after attempting to blame me until I verified the Oil I performed my XXXX oil changes with as being appropriate The dealership repaired the vehicle. My confidence in the vehicle was broken and I went online to XXXX to complain. The XXXX company responded via a Public relations spokes person. 
I received a XXXX % employee discount and rebates toward the purchase of the vehicle. 
Unknown to me at the time of purchase the cost of the Lemon was " rolled into '' the cost of the new purchase. 
I am now contracted to pay XXXX on a vehicle appraised at XXXX In addition I testified against the Veterans Administration and gave congressional investigators information. The VA retaliated and my pay was affected. 
I went to work for the Texas Department of Criminal Justice and currently earn XXXX LESS per month. 
This affected my ability to pay my XXXX loan payment monthly. 
After receiving and recording threatening Phone calls from Regional Acceptance Corporation, I asked for a supervisor to speak to me regarding my case. 
The Head of the XXXX office spoke to me and arranged a separate arrangement wherein I paid XXXX per Month to " Catch Up ''. I made Five Payments, those payments were documented as being XXXX with the consumer credit bureaus and the website. It is notable that during this good faith payment attempt, I was purposely mis-documented and reported, a repossession order was claimed and shows up on my credit reports. 
When repercussions of my ongoing retaliation from the VA again affected my Pay, The account was closed and Because I was unable to make more than a good faith payment on one occasion. 
I formed a trust because I am unable to continue making exorbitant payments on a XXXX Dodge Ram of XXXX when the value of the vehicle at its highest possible valuation is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XXXX - disputed XX/XX/XXXX with CFPB and requested account to be removed as it is a violation of 15 USC 1681 section 602 A, my right to privacy, 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish an account with my written instructions and 15 USC 1681c. ( a ) ( 5 ) section, no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes... I am requesting to have the account deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

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 XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The United States Bankruptcy Courts have said they do not report on credit reports. The Bankruptcies are not mine and should be deleted. I have tried several times.