23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Previous request was closed as duplicate, ich is not!!! THIS DEBT DOES NOT BELONG TO ME! LVNV reported balance of {$620.00} which is not mine. It was reported and deleted from XXXX and XXXX now refuse to delete from my XXXX credit report account. I need this resolved ASAP. This has a financial impact on my XXXX credit report!
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 5 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX  account opened on XX/XX/XXXX under the account number XXXX, an XXXX account opened on XX/XX/XXXX under the account number XXXX, an account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Experian, XXXX, and XXXX. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.
Product: Vehicle loan or lease

I purchased a XXXX that I had as a lease. 
I used JP Morgan Chase to finance the purchase with a first payment date of XX/XX/19. 
I paid {$800.00} by phone on the XXXX of XXXX for the XXXX payment. 
In XXXX I paid {$800.00} by phone on the XXXX for the XXXX payment. 
When I went into make the XX/XX/XXXX payment it showed a balance due of {$1600.00}. 
I had not received any emails or phone calls that any issues existed. 
When I called them about the {$1600.00} due - they discovered that the customer service rep had written down the wrong account number therefore the payment was reversed XXXX XXXX 

In the process Chase has reported me late on my auto loan which has caused my credit score to drop XXXX points!!! I am in the process of qualifying for a new home purchase. This could not have happened at a worse time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

i sent letters on XXXX to the cra disputing the inaccurate and incomplete accounts they are reporting on my credit report. Per 15 USC 1681eb, IT STATES THAT ALL CONSUMERS INFORMATION HAS TO BE XXXX  % ACCURATE AND COMPLETE BEFORE REPORTING. THE FOLLOWING ACCOUNTS ARE INACCURATE : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED A COPY OF EACH BELOW FOR YOUR REFERENCE
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my XXXX. My direct deposit usually comes as early Wednesday, but it dont arrive so I checked my bank account and notice no deposit was made so I then went into my work portal double checked the amount and notice nothing changed and waited to Thursday believing maybe its just late I then come across a media post citing no one at capital one received their deposit I then called but the line disconnected before I can speak to anyone and then on Friday I received an email stating Thursday they were having issues but it should be resolved on Friday and its Friday and nothing has changed. Im requesting you to please investigate the company because I feel like they violated the electronic funds transfer act which requires timely access to my funds. Due to me not having access to any of my money from weds to now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contested a late fee that decimated my credit score with XXXX   XXXX XXXX and XXXX  5 times now. Both companies could not care less about their customers and it is unfortunate how tone-deaf they have become. I closed a credit card after paying it in full ( as I have always done in 12 years ) after a trip to XXXX in 2018 and then a minor charge posted on my card AFTER it was closed. I don't know what kind of low-tier credit card company allows this to happen ( see XXXX ) or low-tier credit reporting agency allow this to post ( see  XXXX  ), but this has destroyed my credit score even after paying the charge and contacting these soon-to-be irrelevant companies multiple times. 

The amount was a mere XXXX $ and the date XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX  add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX and XXXX 
On XX/XX/XXXX, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

I have called the agencies like NetSpend and go to bank and the XXXX banking and they all tell me that they don't have me on file but I know I've had open bank accounts like my money was transferred or something cuz there's two accounts closed with NetSpend but they would not tell me any information I don't understand because someone stole my identity and it has been difficult ever since to keep my money and everything safe I set up direct deposit but it seems like someone has changed my information again I just got a NetSpend card in the mail and I don't know why please help me thank you
Product: Student loan

I want to file a complaint against Citizens Bank and their service provider handling my student loans XXXX XXXX. In the FAQ page of their website, it says I can choose to have anything above my minimum payment applied directly to my principal balance. I pay over my minimum balance every month, I called and asked to have a written confirmation sent to me that all of the money above my minimum payment is being applied to my principal balance. They have denied this request for written confirmation and " assured me '' this is the case. I do not believe this is happening on my account as any payment above my minimum balance seems to just to extend my payment date, which leads me to believe they are applying my extra payment amounts to future interest payments and not applying to my principal balance. Even though it states clearly in their FAQs that I have the ability to choose where my extra payment is applied to ... and they failed to do that for me and provide written confirmation that this is what is happening with my account. I would like them to fix this on my account, provide me with written confirmation that all of my extra payments are being directly applied to my principal balance and not being applied to future interest payments and for them to clarify their FAQs so there is no confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

XXXX XXXX XXXX acct. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX XXXX  {$500.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct. # 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. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX XXXX {$790.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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. 
XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX XXXX ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX acct. # 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. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX XXXX XXXX ACCOUNT {$730.00} In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX acct. # 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: Debt collection

I spoke with a person from XXXX XXXX XXXX  and was told this acct was opened in 2014. More than XXXX yrs ago. I was told it was from a company named Galaxy international. I don't know what kinda company this was and I never opened any acct. with then. I asked for paperwork and more information. It was NEVER sent to me. I also asked how can they put this on my credit report with out verification that this acct is mine??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, & XXXXXXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding inaccurate inquiries on my credit report that I believe are the result of a data breach. These inquiries are being reported without proper verification of my authorization, and my repeated attempts to address this matter have been ignored by the reporting entities. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no entity has the right to access or pull a consumers credit report without permissible purpose. Additionally, under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or unauthorized information and expect a timely and thorough reinvestigation. 

I have contacted the companies responsible for the credit inquiries and requested verification, including a wet signature or other supporting documentation proving that I authorized these inquiries. Despite my formal requests, I have received no evidence to substantiate these claims. This failure to provide verification violates the FCRA and raises serious concerns about compliance with federal laws. 

Furthermore, I am concerned that these inquiries may stem from a data breach, which has compromised my personal information and led to unauthorized activity on my credit report. This not only damages my credit standing but also exposes me to potential identity theft. 

I am requesting that the CFPB intervene to ensure the credit reporting agencies and the entities responsible for the inquiries comply with the FCRA and remove all unauthorized or unverified inquiries from my credit report immediately. 

For your reference, I have attached documentation, including my formal dispute letters to support my complaint. 
Inquires that need supporting documentation are 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 Thank you for your attention to this serious matter. I look forward to your swift action and resolution. Please let me know if additional information or documentation is required.
Product: Debt collection

XXXX XXXX bought credit card debt from Capital One and they re-aged the account from the last date of payment which was XX/XX/XXXX and the account was closed XX/XX/XXXX. XXXX  XXXX  bought the debt in XX/XX/XXXX and reported negative marks to my credit every month when I do not nor have I ever had an account with them. They re-aged the account with this new date of XX/XX/XXXX. This account was charged off in XX/XX/XXXX. 
I contacted all three credit bureaus with this information on XX/XX/XXXX and they failed to remove the erroneous information from my credit file. This has crime has damaged my credit and effects my ability to obtain credit. This is a concerted and illegal effort of the part of both companies. Currently I am not a member of the class action lawsuit about these dubious practices but I will be seeking a legal remedy in the future
Product: Credit reporting or other personal consumer reports

My account with Transunion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Transunion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX Account number- XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number ( XXXX ) XXXX Date opened, XX/XX/XXXX Balance on XX/XX/XXXX - Original balance {$260.00} has violated rights of privacy.

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

The weekend of XXXX XXXX money was transferred from my account through XXXX amongst XXXX and XXXX. I contacted my bank, which is Bank of AmericaXXXX, and they were able to refund me for the XXXX and XXXX transactions. 
Neither Bank of AmericaXXXX of XXXX have been helpful/I have a hard enough time getting through to anyone regarding BOA and XXXX regarding my funds that were taken unauthorized. I have tried contacting them on multiple occasions, and have gotten nowhere. 
Another thing to note is the fact that they were able to take out {$3500.00} without my card being dinged/frozen. If you go through the receipts you will see that these charges were not a usual pattern that I would make, so it's crazy to me that those people were able to take that much without anything happening. 
I am afraid to activate my new card as well because charges keep trying to go through even though those transactions were found to be fraud.
Product: Mortgage

In XXXX of this year we contacted equity prime mortgage About refinancing ourchome. I was advised ( and I have maybe 500 Emails ) to get appraisal and stop paying mortgage. On XX/XX/XXXXhe XXXX told me we had issues with appraisal and to pay mortgage for XXXX. Which I did and it was considered late as it was n't received until XX/XX/XXXX. So equity prime says after making me pay twice for appraisal, first to see and second to make sure it was fixed .... I 'm denied for late payments. Unprofessional and XXXX has been fired. Please help us. Sincerely XXXX and XXXX XXXX
Product: Credit card

I have a cash advance balance on my credit card with an extremely high interest rate. I pay more then the minimum every month and per my statement anything over the minimum is to be applied to the highest APR. Last month I paid the minimum and then made a lump sum payment equal to the amount of the cash advance to get rid of it. Bank of America applied only {$500.00} to the cash advance and the remainder to the lowest APR balance. I went back over the last years statements and they have done this every single month causing my cash advance balance to skyrocket with interest while never allocating any of my payments to that higher APR.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, ink. ) due to inadequate customer service and unfair practices, space which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I have been struggling to finalize a loan modification with Ditech for 3 years now. I also filed a claim here XXXX XXXX # XXXX. Ditech has processed 3 modifications that were errored, collected undue late fees, incorrectly reported by interest paid in XXXX and continuously reported our mortgage past due when we have not missed a payment since the modification process. For a period of 3 years, they have harassed us with calls ( even after being asked to stop ) and cause extreme stress and efforts in trying to correct this. Even during the death of my son ( XX/XX/XXXX ) we had to endure the stress of Ditech inappropriately and inaccurately handling our mortgage process. I have spoken to them numerous times with no success. Their most recent action was " selling our mortgage '' to XXXX as delinquent ( 351 days, {$22000.00} ) when they promised they were in the process of final corrections before selling our loan. We have escalated the issue with XXXX  but are facing foreclosure on our home of over 20 years. I will attach all previous contacts, complaints, statements and communications with Ditech. Ditech deserves extreme repercussions on handling our account as well as we feel they financially owe us. Currently, we are just trying to save our home and bring it current as well as fix our credit reports. 
Thanks!
Product: Mortgage

I applied for a mortgage with TFSL & was pre-approved for a XXXX mortgage with 15 % down and no PMI. The rate provided was 3.75 % with an annual adjustable rate beginning year 6 with cap of 2 %. I locked in this rate and signed all documents and the " intent to proceed ''. I am under contract to purchase a condo. 

On XX/XX/13, I was notified by loan officer, XXXX XXXX, that the mortgage had been denied due a high debt-to-income ratio, which was over their 40 % limit. When I expressed confusion because my DTI was between 35-36 %, she said that because I was going with an ARM, the underwriters used the higher rate it might be 5 years from now ( 5.75 % ) to qualify me. Further, they disqualified me with an incorrect salary amount, then disqualified me a second time with the correct amount. 

Nowhere in any of the paperwork I signed, including the loan disclosure, was there any mention of not qualifying me at the locked-in rate of 3.75 %. I fully believe I was " disqualified '' because between the time of lock-in and underwriting, interest rates climbed substantially, the bank did not want to finance my loan at the cheap rate, and this ruse was the only way to disqualify me since I have a high credit score, literally no debt as my cards are paid off monthly, a 15 % downpayment and substantial liquid reserves. This is further supported by the bank not presenting ANY option to keep the 3.75 % rate, including putting down a higher down payment to bring down the DTI, which I have the funds to do. 

I turned down other then-competitive offers because TSFL offered a lower interest rate with no PMI, then disqualified me with a hidden interest rate I knew nothing about. TSFL 's opaque and deceptive practices have cost me real damages in time and, if this purchase deal now holds up through the financing delay they've caused, will now cost me substantial monthly costs due to rate increases.
Product: Mortgage

We have never missed a payment with the company and we are trying to modify our loan and making it extremely difficult. They also came back with a 6 month trial where the payment went up over 200xs our original payment. We have hired a lawyer and they are not corroborating on resending documents over for review.