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

XXXX continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing and furnishing of my information. I requested to opt out of those activities but XXXX XXXX XXXX. and XXXX  continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against XXXX and its assigns, affiliates and non affiliates on handling my private accounts. Attached is demand affidavit and agreement.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/year> This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( EQUIFAX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX. 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 in XXXX  days to be removed. They are not in compliance with the following law. XXXX USC XXXX 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! XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX, XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is XXXX XXXX XXXX and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Debt collection

I have contacted Capital One numerous time regarding a charged off account that is reporting on my credit file. This account does not belong to me and i have requested a copy of validation and verification of the debt including a signature or authorization. This is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported and disputed this information several times and Experian continues to allow inaccurate information on my credit report. 

XXXX is reporting on my report in duplicate. This error has remained on my report. 
Error 1 : Duplicate account showing Error 2 : Information is incorrect and shows errors Error 3 : Experian has not investigated this as indicated by the amount of errors on this duplicate error account.
Product: Credit reporting or other personal consumer reports

I am writing to formally address issues regarding the unauthorized use of my information by the XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. According to 15 U.S. Code 1681b ( b ) ( XXXX ), consumer reporting agencies are required to obtain written consent before acquiring a consumer 's information. I have never provided such consent to any of these companies, including XXXX, XXXX XXXX, and XXXX XXXX. 

I have requested a signature page with my signature to verify the debt attributed to me, but my request has been denied. Furthermore, I have not given permission to run my credit. Pursuant to 15 U.S. Code 1681n, any consumer reporting agency or furnisher of information that fails to comply with the provisions of this section may be liable for civil damages due to willful noncompliance. 

Despite my efforts, these entities continue to use my identity, even after I have sent cease and desist letters. My correspondence specifically requested that XXXX XXXX cease all communication with me, in accordance with the law 's definition of communication as the conveyance of information through any medium. 

My credit report is private data, and inquiries made by third parties without my authorization are violations. I was advised to submit a complaint to the reporting agency to have these inquiries removed. However, Equifax refused to assist without a formal report and did not provide an alternative method for submission or uploading the document online. 

Moreover, the companies involved have refused to explain their debt verification process. From my understanding, they merely rely on my historical activity without proper verification. 

I seek immediate resolution to these matters and expect the unauthorized use of my personal information to cease forthwith.
Product: Bank account or service

XX/XX/XXXX First National Bank acquired XXXX branch offices from XXXX XXXX. As a result of this transaction both our checking account and savings account were automatically transferred to First National Bank on XXXX XXXX. Our mortgage remained with XXXX. 
The XXXX XXXX Bank accounts were established ( XX/XX/XXXX ) as a contingency for receiving a mortgage. One requirement being to have the mortgage payment paid directly from the checking account. The only requirement on the savings account was to maintain a minimum of {$25.00} and all fees were waived. 
At no time were we notified by either bank that this arrangement would change. In fact the mortgage was still automatically being deducted from the new First National checking account. 
On XXXX XXXX we visited our local First National branch to withdraw our balances and to close our accounts. The checking account balance was what we expected but the savings account showed a balance of {$1.00}. I questioned this figure and the teller pulled up the account on her computer screen and explained that the reduced balance was the result of fees and finance charge for the account being inactive. I expressed my displeasure and the bank manager called the branch that was responsible for the account. She spoke with the assistant manager who offered to refund {$10.00} in addition to the {$1.00} balance but no more since we were closing the account. 
As of XXXX XXXX we had not received a statement from First National or any communication about their policy on this savings account. As of this date, XXXX XXXX, XXXX, we have received only a notice of the account being closed. I am expecting to receive an end of quarter statement at the beginning of XXXX which I expect will agree with printout that I received from the teller on XX/XX/XXXX. It showed that the bank deducted {$10.00} " dormant account fee '' on XXXX XXXX. This is a mere 11 days after the account was transferred to First National. This was followed on XXXX XXXX with a {$4.00} " service fee '' and by another {$10.00} " dormant account fee '' on XXXX XXXX. 
This whole thing over {$25.00} may sound petty but First National did the same thing to my daughter and her husband. I suspect that we are n't the only accounts that have been ripped off. This could be a substantial amount of money if they did this with every account that was transferred in the sale.
Product: Mortgage

In XXXX I signed what I thought was Refinance paperwork, which ended up being a Modification. When I sold my House in XXXX XXXX HUD took {$31000.00}, now I was told that if I sold the Property I would owe {$5400.00}. HUD said I missed 25 payments on my House. I have never missed 25 payments, who can live somewhere for two years for free. I need someone to explain to me how this happened and who can help me. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Urgent Action Required : Identity Theft and Inaccurate Accounts on My Consumer Report ( FTC Report No. XXXX ) Dear Consumer Financial Protection Bureau, I am writing to urgently address a critical matter involving identity theft and inaccuracies on my consumer report. I appreciate your attention to this serious issue and kindly request your immediate intervention to rectify the situation. 

Account Information : XXXX. Account Number ( XXXX XXXX ) : XXXX Reported Date ( XXXX XXXX  ) : XX/XX/XXXX XXXX. Account Number XXXX XXXX  ) : XXXX Reported Date ( XXXX ) : XX/XX/XXXX I would like to emphasize that this situation is indeed a case of identity theft, and it has been reported to the Federal Trade Commission ( FTC XXXX under Report No. XXXX. This adds an additional layer of concern to the matter, as my personal and financial information has been compromised. 

In accordance with the Fair Credit Reporting Act ( FCRA ) rule under 15 USC 1681, I am fully aware of my rights as a consumer. The presence of these inaccurate and unauthorized accounts on my credit report has caused significant distress and disruption in various aspects of my life. 

I implore you to undertake a thorough investigation into this matter. The inaccuracies on my consumer report are not only unjust but also a violation of the FCRA guidelines. Given the involvement of identity theft, it is crucial to swiftly address and rectify the issue to prevent any further harm to my financial well-being. 

Enclosed with this message is my FTC Report No. XXXX, which provides detailed information about the identity theft incident. I believe this will be instrumental in your investigation and resolution process. 

I am confident in your ability to bring about a swift and just resolution. Kindly remove these inaccurate accounts from my consumer report with XXXX, taking into consideration the gravity of identity theft and the implications it has on my financial stability. 

Your immediate attention to this matter is greatly appreciated. Please feel free to contact me if you require additional information or documentation to facilitate the resolution process. 

Thank you for your understanding and assistance in this distressing situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected as soon as possible : 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

CFPB HAS NOT INVESTIGATED ANY OF MY COMPLAINTS ON THEM LETTING THE XXXX BUREAUS GET AWAY WITH HARMFUL BAD BUSINESS PRACTICES FOR ALONG TIME. THIS NEEDS TO BE ADDRESSED ASAP. I FILED A COMPLAINT ON CFPB TO FTC ALREADY, AND WILL FILE ANOTHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continuously being harassed by collection agencies with illegal threats over debt that is not mine. I have notified the bureaus of identity theft but XXXX and Equifax refuse to help me to remove them. I never signed up for any of this debt. These creditors and and the bureaus need to remove this false information.
Product: Money transfer, virtual currency, or money service

I'm a cryptocurrency trader and I've been hacked right of the XXXX XXXX. I had {$4000.00} and XXXX of bitcoin which was worth about {$1800.00} at the time before my account was completely wiped out. I contacted Coinbase the owners of gdax about the issue as soon as I noticed I had no money in my account. They told me that they set my case as a priority and that I should be contacted in 2 weeks. This all happened XX/XX/2018. It's been almost a month and a half and they still are not taking any action. I give them a call every week and they give me the same answer. They tell me that they set my case as a priority and that I have to just wait. They are not giving me a time of when they'll get back to me and or when I'll receive my refund. I'm just left helpless with a frozen account that I can't trade with it and about {$5800.00} of my money stolen, in which I have no idea when I'll get back.
Product: Mortgage

Mortgage servicer Arc Home Loans refuses to provide flex modification for this loan, instead trying to foreclose my primary residence where I live with my wife and 4 children. In addition they kept reporting me to credit report agencies as delinquent, while I was actively trying to work through the mitigation process. 

Background. This loan went into forbearance in XX/XX/2020 because of Covid-19. 
After finishing forbearance this year and some payment difficulty, I have tried to apply for XXXX XXXX as well as ask for Flex modification from Arc Home Loans. According to law and FNM guidelines, all accounts exiting COVID forbearance should be offered Flex modification especially if/when requested by client. Instead the servicer refused to offer flex modification without any explanation. ( see on e-mail XX/XX/XXXX XXXX ) When I tried to call the servicer to discuss loss mitigation options, calls were consistently put on hold for more than an hour until I had to disconnect. This happened at least 3 times.
Product: Checking or savings account

I opened a savings account with Flagstar bank. After several months I needed to transfer funds to my XXXX account to help pay bills. I logged into my account and verified my XXXX  account per their instruction and it seemed that the transfer was taking place. 5 days later I was told that it wasnt completed because they didnt have my drivers license. I submitted my license per the instructions of customer service and waited 3 days. I was then told that they also needed a utility bill. I did this as well. I called in and was told that they have a XXXX week wait for approving clients to access their own funds. I am unable to transfer, withdraw funds or even close the account. I finally received a message indicating that they received my license but am still not able to make the transfer.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

You will see that on XX/XX/XXXX, I have asked for a THIRD time that American Express removed two inquiries on my credit reports that I did not initiate. They can not prove to me that they have written signature matching my personal signature. In addition, they can not provide video surveillance of the person ( s )  who used my information to make an application with their company -- not once but twice! 

PER THE FCRA LAW, they are to remove the inquiries immediately since they can not provide me PROOF OF SIGNATURE. Not electric signature, my handwritten signature
Product: Vehicle loan or lease

I have been a customer since XX/XX/XXXX. Our first lease was returned XX/XX/XXXX. The car was in perfect condition. No damages. No penalties to us. 

Our new lease started XXXX, XXXX. In XXXX of XXXX, my payment arrived XX/XX/XXXX instead of XX/XX/XXXX. It was the beginning of the pandemic. Family members and friends were getting sick. Coworkers were dying. Very tumultuous time. I was in a state of confusion. I apologize for that. 

Kia charged me a late fee for XXXX. I didn't register what it was for, not realizing my payment arrived a few days late. I called several times and was unable to ascertain what it was for. I got several different answers. Additionally, I was locked out of my account. When I tried to get back in, I was told my account was purged ( deleted ) and I should start a new online account. Thus I have no access to the financial transactions that took place. 

Since I didn't pay the {$15.00} in XXXX, they took it out of my XXXX payment, causing a shortfall for XXXX. This repeated itself in XXXX and XXXX as well, resulting in four late fees adding up to {$60.00}
Product: Mortgage

Please see my letter to Flagstar Bank below. They are either incompetent or deliberately trying to get people on forbearance to foreclose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX -- - Flagstar Bank Loan # XXXX Today we received your letter dated XX/XX/XXXX saying my hardship mortgage modification application is STILL incomplete even though I uploaded EXACTLY what XXXX told me to send on XX/XX/XXXX. Today, XXXX in your hardship department asked me to write this letter explaining my income. 

I am a XXXX XXXX. I am paid at the end of each transaction which are few and far between due to the Covid Pandemic. This is not a regular paycheck, and it comes when a house closes. This should not be news to the home mortgage industry. 

Your application requests a monthly income amount. Due to my income being unpredictable, irregular, and varied in the amounts, I averaged my total income for XXXX and divided by 12 to get the {$1600.00} per month and I put on the application. Makes sense, right? Right? 

Today, XXXX belatedly informed me ( after you terminated my application on XX/XX/XXXX ) that you are looking for the income from the application to exactly match the last 90 days of bank statements. This is news to me even though I have been in constant contact with your Hardship Department for weeks. No problem. {$4700.00} from one transaction in XXXX and ZERO from XXXX and XXXX, divide by three and we get {$1500.00}. 

PLEASE if you do not understand this CALL ME. XXXX I know you have the number. 

I have turned in every document, check stub, bank statement, letter, P & L, I will give you my shoe size if you ask for it. 

Your many letters advising me of an incomplete application are taking over a week ( sometimes two ) to reach me and come whether I turn in the documents or not. Why dont you ask for everything at once, on one letter at the beginning of the application process instead of looking for it piecemeal at the end? You could have asked for this particular thing when I first uploaded the bank statements back on XX/XX/XXXX. Why wait 21 days and do it in excruciatingly slow snail mail? 

When a document missing or not good enough why wait until its too late to ask for it in a letter dated XX/XX/XXXX and terminate my application three days later? Do you REALLY want this house back? Now that its worth $ XXXX more than I owe on it I wouldnt be surprised. Maybe the Federal Bureau of Consumer Protection would be interested in these practices. Is it incompetence or something worse like in XXXX? 

CC : Federal Bureau of Consumer Protection, Senator XXXX XXXX, Senator XXXX XXXX Senator XXXX XXXX, Representative XXXX XXXX.
Product: Student loan

My client entered into a repayment agreement with Financial Asset Management System ( hereinafter referenced as " FAMS '' ) on behalf of XXXX. My client was in default on private student loan and he was given to understand his agreement would cure that default. This agreement was entered into on XXXX, 2014. My client is attempting to purchase a home and has a respectable credit score. However, he is being denied his loan because FAMS and/or XXXX is falsely reporting his is delinquent. This slanderous intentional misrepresentation is actively damaging my client.