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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/year> You Violated the United States Code Law ( TILA 15U.S. Code 1666 ( b ) billing error ) so check this out recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didntnotify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you cant apply that information then it is false allegations and you are in violation. I demand the items below all be updated to paid as agreed on my consumer report. 
{ Capital One Auto Finance } As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Product: Bank account or service

I have deposited a check into my Wells Fargo Account and they have put a 10-day hold on it. It is a commission check from my broker as I am a XXXX. The check is for {$5500.00} and I have deposited at least XXXX other checks from this same broker. So it is coming from the same account it has always come from and they have never held it for more than the usual 2 business days for checks over {$2500.00} which I have accepted as their policy. Holding my check for an additional week is unacceptable and unethical as they will receive these funds way before they release them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and  XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX   XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

Sincerely, XXXX XXXX
Product: Debt collection

Going through my credit report, I noticed a debt that does not belong to me
Product: Student loan

My student loans were currently on public loan forgiveness and I was set to begin making qualifying payments once the loan pause was ended. I also completed a borrower defense case against XXXX XXXX XXXX  on XX/XX/2022. In the application I checked off the box saying I did NOT want my loans put into a forbearance during the time it is being reviewed. My loans were put into a forbearance anyway without my consent. The wait times for a phone call are over XXXX hours when I call and I have not been able to get a hold of anyone by phone. I have sent XXXX emails to MOHELA trying to get it fixed and response takes a long time and has not fixed the issue. I have also received communication that they sent me the incorrect payment amount initially and will be sending me a new amount. This is impacting me being able to make my qualifying payments that count towards my public student loan forgiveness which then impacts when my loans will be forgiven. The attached form shows my borrower defense application and where I checked off that I do not want the loans placed into a forbearance during the processing time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote  XXXX ,  XXXX , and Experian in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was  the 3rd part y is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.
Product: Debt collection

XX/XX/XXXX - Mailed certified letter asking for validation of debt on 4 accounts. 

XX/XX/XXXX - Certified mail delivered No validation has been received to date ( XX/XX/XXXX ) XX/XX/XXXX - called in regards to debt validation - spoke with XXXX XXXX and another woman, supposedly a supervisor, who refused to provide her name - Supervisor was trying to collect even though it is still within the validation hold time - I decided to humor her and that if they would settle for a certain amount I'd pay. She started laughing and said they wouldn't even take that money 10 years from now. I asked for a manager and was told no one was available and they would have to call me back, but I had also adv they must cease and desist any phone communication and that I would hold. She stated that I can't hold and started laughing again. Then I hung up the call. 

XX/XX/XXXX - I will be sending another certified letter after work this afternoon advising that since they failed to validate the debt as per my initial letter the debts must be removed from my credit reporting.
Product: Mortgage

I do not accept and cant grant any extension. I have been asking this since XX/XX/XXXX company has failed to provide the explanation nation and resolve the issue. 
This is making it hard to make payments and pay off the loan. After failed attachment from XX/XX/XXXX I finally filed written dispute and was promised XX/XX/XXXX response on XX/XX/XXXX. 
After waiting for few months, I filed dispute with CFPB to get response in 15 Days now this is futile as well. 
However, company chose enter default despite know very well of the dispute and company inability to provide explanation. 
As stated to company in multiple phone conversation no response has been received in 15 days. Therefore, I will mail a check for the entire amount less the interest with draft lawsuit complaint. A complaint will be filed after the check is cleared and jury will have to diced why we must pay $ XXXX interest in XXXX  months and {$490.00} in XXXX  years.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Checking or savings account

On XX/XX/XXXX I went to deposit {$1800.00} into my checking account at Fifth Third Bank in XXXX, XXXX XXXX. I handed them XXXX hundreds, XXXX fiftys, and XXXX twentys. 
XXXX put it through the counter and said it was only {$1700.00}. the machine took in my bills I said and spit out XXXX hundreds, XXXX fiftys, XXXX XXXX, XXXX XXXX, and XXXX singles. It totally changed my bills to different bills. I ask to see a manager and was sent to XXXX XXXX ( superviser ), who told me that happened because of a software problem they are having with the counter. She explained the money counter was kind of like a ATM machine that could spit out different bills than put in. I find this ludicrous that any bank would use such a machine. I also find it crazy that they are allowed to have a machine that can spit out different bills than put in. XXXX called me later that day and informed me that she put the missing {$68.00} into my account. but that doesn't make up for my frustration, or the XXXX minutes wasted in the bank to straighten this crazyness out. Is this a real thing that they can have a money counting machine that does this? Or was I lied to, to cover up a wrong doing?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to send {$110.00} via XXXX  from my wells Fargo account to a local service provider. The person misspoke and have me the wrong phone number. They realized the mistake within seconds, and I was on hold for the bank less than XXXX minutes after the transfer was started. The bank told me it would take 10 days to resolve the problem, but XXXX weeks later they told me they could not do anything. I complained to the XXXX, and received a call from the bank. The person who called said they could fix it, but would need another week. A week later, she called back to say they couldn't fix it. I asked her to file a police report and press charges since the person who received the money had accepted it, and this committed fraud and wire transfer fraud. I also pointed out that the person refused to answer my calls because they know I'm trying to get my money back. The agent told me the bank would not assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to correct my credit report. I have already contacted the companies directly and still no change. I have submitted multiple police reports and I did a Affidavit with the Federal fair Trade Commission. As I was checking my report i realized that the collection which cam from XXXX XXXX should have been removed from my account who ever opened the account did not have my correct birthday. That account was made and used before my XXXX birthday so its no way it could belong to me I am submitting a copy of my birth certificate as proof that I am only XXXX years old and not XXXX my credit file incorrectly shows. I ask that XXXX, XXXX and Equifax update my date of birth correctly and immediately DELETE all account created with inaccurate information as they are not mine and I did not make the charge. Please delete portfolio recovery, XXXX and XXXX XXXX XXXX those accounts do not belong to me.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 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 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I HAVE A BEST BUY CREDIT CARD THROUGH CITI BANK. I MAKE MY PAYMENTS ON TIME, PAY DOUBLE THE PAYMENT AMOUNT JUST TO HAVE MY CREDIT LIMIT DECREASED WITH NO NOTIFICATION OR JUSTIFICATION. I HAD A {$230.00} CREDIT FROM WHAT I PAYED BACK AND NOW I HAVE {$20.00}. I HAVE CLOSED THE ACCOUNT FOR XXXX REASON. ITS JUST XXXX  BUSINESS PRACTISES BY THESE XXXX COMPANIES!!!
Product: Vehicle loan or lease

I purchased a used vehicle from XXXX XXXX on XX/XX/XXXX for {$26000.00}, before agreeing to purchase the vehicle I asked the internet manager to send me all the fees that would be included in this purchase. This information was sent to me and I agreed to the purchase that included {$190.00} document fee, {$15.00} convenience fee and the appropriate state county taxes. My wife and I signed the Vehicle Order Agreement and the balanced owed states {$27000.00}, we then signed the retail installment sale contract and the Amount Financed within the " Federal Truth-In-Lending Disclosures '' states {$27000.00}. The entire purchase was financed through the dealership and Chase Auto Finance was the lending company. When I received the paperwork from Chase Financial the Principle Balance states {$27000.00}, this is {$190.00} more than the stated amount financed on the Vehicle Order Agreement and Retail Installment Sale Contract. 
When I called the finance manager XXXX at XXXX XXXX she reviewed my contract and even sent me a picture of the computer screen that showed the amount financed at {$27000.00}. When I told her the Chase paperwork states {$27000.00} ( {$190.00} higher than the agreed to {$27000.00} ) she could not give me an answer as to why there was a discrepancy so XXXX told me she would look into and get back with me. When XXXX called me back she told me the {$190.00} was a fee added onto the loan from Chase and that this was a requirement in the state of Indiana she then gave me the contact information for the area manager of Chase. I discussed the {$190.00} fee with him and heard the same thing that this is a Indiana requirement. I then called XXXX again telling her this fee was never discussed before agreeing to purchase the vehicle or at the time of signing these contacts. I was surprised to hear XXXX agreed with me and acknowledge the {$190.00} fee was not discussed and that she didn't even know of this fee from the banks until someone from XXXX told her. She agreed to discuss with management and ask for a refund of the {$190.00} fee. XXXX called me back on XX/XX/XXXX leaving a voice message stating the fee should be reimbursed from Chase and I should contact them.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

apon looking at my credit profile I notice several fruadulent account as I am a victim of identity theft and these accounts doesn't relate to any transaction that I have made XXXX XXXXXXXX account # XXXX, XXXXXXXX  account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX please Block this information from my credit report, pursuant to section 605B of the fair credit reporting act and send required notifications to all furnishers of this information. Please note no one I file this on my own behalf and according to what I read from your site and CFPB.these fraudulent account is damaging my reputation and my credibility causing me and my family to suffer as a result. enclose are copy of my credit report, my identity theft report and proof of my identity. as well as section 605B of the fair reporting act, which requires you to BLOCK the fraudulent information on my credit report identity theft within ( 4 ) business days and to promptly notify the furnisher ( s ) .please do not try to delay nor reply proclaiming my request doesn't met requirements nor is it a misrepresentation!!!
Product: Credit reporting or other personal consumer reports

There's an account on my credit profile that's not mine.
Product: Debt collection

On XX/XX/XXXX XXXX I was contract by text message from number XXXX with message : '' ETA Scheduled for XX/XX/XXXX between XXXX XXXX XXXX. Please accept documenta at XXXX XXXX XXXX XXXX XXXX in Washington. Signature by XXXX XXXX req 'd Invoice XXXX can be made current by calling XXXX  XXXX XXXX. I called the number and the caller stated they are from RNR Recovery and contacting me regarding a bill from Check into Cash from XXXX. I explained I do not owe a debt to them and you need to provide proof of debt. RnR Recovery claims notice was sent to me 45 days ago. I advised I have never received a notice and to either mail again or email the documents. They refused and claim by law only one notification. I advised until you can provide documentation of debt, I am refusing to pay. The burden of proof is on you!!! Then he threatened with placing item on my credit. I later contacted Check into Cash, XXXX and spoke with XXXX who confirmed that I do not have any debt or outstanding loans with this company.
Product: Debt collection

I contacted Jefferson and the credit bureau for documents to verify the amount and identity in XXXX, XX/XX/XXXX, and XX/XX/XXXX, but no documents were provided.
Product: Credit card or prepaid card

I am in the process of paying off the card but it has now been restricted unable for use, and fees continue to accumulate.
Product: Student loan

Duplicate accounts on credit report. Account is closed and needs to be removed from Report
Product: Checking or savings account

Truist financial bank is holding {$3500.00} from my XXXX after a closed account that they have yet to give me a reason for. Both checks equaling this total that were deposited into the account before it was closed have been confirmed to be legit, with the vendors in question going out of their way to provide me proof of cleared checks. Truist has told me their process for review is complete, while XXXX XXXX informed me that Truist never even contacted them to confirm/dispute the check. 
Im ready to push this as far as I need to.
Product: Credit reporting or other personal consumer reports

Credit report date : XX/XX/2024. 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. 
Account name : 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, 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 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 reporting, credit repair services, or other personal consumer reports

I do not validate the debt that this organization is continuously seeking. As the original creditor and consumer, according to congress I have the right to validate any debt from lines of credit that I have granted myself. This is in reference to 15 U.S. Code Section 1692e.
Product: Mortgage

My husband and I purchased a house by taking over the mortgage on property. This was done through a local bank. Years later, we pay property off, received closing paperwork and property title. We checked with our local county office and the property was recorded with previous owners. How to we get this corrected?
Product: Debt collection

On XX/XX/2021 National Credit Systems , Inc sent me a letter claiming that I owe an " alleged '' debt. Scanning over the letter, I noticed National Credit Systems , Inc violated many of my federally protected consumer rights. 15 USC 1692c ( a ) states " without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never given written consent nor gave permission for National Credit Systems to communicate with me in connection with an " alleged '' debt. No consent equates to Identity Theft. I have since replied with a letter to cease and desist all communication with me pursuant to 15 USC 1692c ( c ) and to pay attached invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CATAGORY NEEDS TO BE ''BANKING FRAUD '' ANYWAYZ XXXX , BANK IS REPORTING INFORMATION THAT IS A XXXX FRAUD, THEY ARE NOT GIVING FULL DISCLOSURE AND HIDING A SECRET LEDGER OF ACCOUNTING, THESE SIMPLE QUESTIONS HERE I DEMAND ANSWERS WITH CLARITY OR THE LAW SPEAKS FOR ITSELF REGARDING SILENCE IS AQUIESCENSE, ANSWER THESE QUESTIONS AND DONT SEND ME YOUR XXXX ROBO-STATEMENTS TO MY ''BILLING ADDRESS '' DID YOUR BANK MONETIZE MY SIGNATURE?, YES OR NO, WAS THE CHECK DEPOSITED [ that you claim was bad ] WAS THE CHECK TOTALLY WORTHLESS TO YOUR BANK?, YES OR NO, WHY ARE YOU SENDING STATEMENTS TO A BILLING ADDRESS? WHEN IS A COMPLAINING PARTY GOING TO PREPARE A STATEMENT OF WRONG DOING?, [ sworn to before a notary. WHEN WILL I RECEIVE A ''TRUE BILL ''?? SILENCE IS GUILT, SILENCE IS AQUIESCENCE, SILENCE IS FRAUD ANSWER THESE SIMPLE QUESTIONS IF YOU CAN,
Product: Credit reporting or other personal consumer reports

I have requested multiple times the proof the accounts appearing in my report without me knowing. 

XXXX XXXX - XXXX,