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

On XX/XX/22 I got a notification on credit karma that credit card with XXXX ( formerly XXXX ) that reporting past due. I have not used the card in over 7 months. On XX/XX/22 I called XXXX, after holding and being transferred to different departments for almost an hour I filed a Fraud claim as I never made the {$17.00} purchase. I expected that the open Delinquency would be removed but I was told that it would take up to 30days as they investigate. I advised them that I am closing on a house in less than 30days and that it needs to be removed. I was transferred to a manager ( fraud dept ) whom was very rude and short with me. I advised that this could have been prevented had I received proper notice of the account balance / status via mailed statement / email / text / call, but I didnt receive anything notifying me. He claimed that they have been sending statements, I advised him that They Didnt even have my correct address updated. On XX/XX/22 I called to update my address, when I called XX/XX/22 they still had my prior address on file. I also mentioned that I have been mail forwarding ever since and have not received any information about my account owing a balance or being past due. He said that he can transfer me to the credit card dept and maybe they can better assist. Then I waited XXXX more minutes and was transferred 2 more times ( was on the phone XXXX hours & XXXX minutes total ) I was transfer to visa credit card dept but was told they can not help and I was transferred to XXXX XXXX, they advised the same. That they can not help me and I would have to wait up to 30days, said maybe Fraud just didnt want to deal with it as Credit Card dept can not help either. I mentioned that this could affect my personal life / ability to close on my home as this information is incorrect and the transaction is fraud. I have never in my life been late on a single account and now this could prevent me from closing up n my new home. I need this resolved.
Product: Vehicle loan or lease

I gained a car loan XXXX XXXX XXXX for a 2013 XXXX XXXX hybrid. I've had loan for 41 months -- simple interest loan- ( unbeknownst to me initially at dealership-XXXX  XXXX XXXX Illinois- Sales Rep- Mr. XXXX  ) through financial institution Prestige Financial. As of today XXXX, It has been stated that I owe XXXX. 

I strongly believe I have been a overcharged based on being a XXXX XXXX woman. 

Please help! 

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

First of all, it's impossible to contact Experian. No customer service representative will answer the phone when you have a fraud alert on your account. Second, I have tried since XXXX to report these unauthorized inquiries, but they refuse to remove them. I have found out my information is on the black web, which is impossible to remove, so anyone can try to use it, but they keep telling me that the inquiries are accurate. 

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 They did not question one company running my credit multiple time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX off to say the least, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. currently someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family Please remove unauthorized inquiries from my credit report As soon as possible Please see attached.
Product: Debt collection

I am not liable for this debt with XXXX XXXXXXXX XXXX  XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$220.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I reviewed my credit report and noticed this collection reporting inaccurate information on my credit profile which is a violation of my consumer rights. 

XXXX XXXX XXXX is reporting XXXX  days late payment. How is this possible when I've never entered into a payment agreement or contractual agreement with them, furthermore, reporting the payment status as XXXX  days late when by default collections are past due. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete
Product: Debt collection

Convergent outsourcing just showed up on my consumer report. The reporting states the account was open XX/XX/XXXX. My consumer file with XXXX XXXX XXXX XXXX and XXXX have been frozen locked and there's an idenity theft alert on my file as well informing all propensity creditors that they need to call me and verify my idenity before opening a credit file. THIS DID NOT HAPPEN. I DIDN'T RECEIVE A BILL NOR A LETTER LETTING MY KNOW 5 DAYS ON ADVANCE OF THE ADVERSE ACTION THAT WAS GOING TO BE TAKEN AGAINST ME. There have also been addresses showing up on my consumer report at places I've never lived or have any association with. The bill is for XXXX. Account number XXXX Not only that. They've reported 2 different days of last activity with the consumer reporting agencies. One states XX/XX/XXXX and one states XX/XX/XXXX as the last date of activity. If like this negative information suppressed from my consumer file until after the investigation. My request will be in the photos below
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent copyright infringement notice and it was received on XXXX. I gave the company 10 business days to comply with my notice. I received notice that I put in a dispute but I put in a demand to comply with notice. The credit reporting agency doesnt have my written consent nor have a permissible purpose according to : 15 USC 1681 Section 602, 15 USC 1681 Section a section 2 and 15 USC 1666b
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX  XXXX XXXX- Account Number : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX- Account Number : XXXX XXXX XXXX- Account Number : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Account Number : XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX- Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX- Account Number : XXXX XXXX-Account Number : XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX- Account Number : XXXXXXXX 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.

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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Product: Mortgage

on XX/XX/XXXX I faxed over a line if credit request to pay for property taxes and this is the second year the company has denied and have put my XXXX year old mother through XXXX. i have full power of attorney. this caused a late payment due last year and after months and many calls and many faxes they finally deposited $ so we could pay the property taxes. this year they are telling me that they called me and I told them its not authorized. it is a blunt lie. champion mortgage is up to something shady and i need someone to investigate this Co. my moms home is worth XXXX and the only reason we took out the reverse mortgage was for her property taxes to be paid!! every year they lie and play games
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transaction that are not initiated by consumer ( 3 ) Information regarding inquiries, Except as provide in section 15 USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transactions that is not initiated by a consumer
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I recently conducted a thorough review of my credit report and uncovered alarming violations of my federally protected consumer rights, particularly under the Fair Credit Reporting Act ( FCRA ). 

Upon closer examination of the specific accounts as follows : The 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 has become evident that the following federal laws have been violated : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy - My right to privacy, as guaranteed by 15 U.S.C 1681 Section 602 A, has been compromised.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement - The account has been reported without my explicit written instructions, a direct breach of 15 U.S.C 1681 Section 604 A Section 2.

3. 15 U.S.C 1681c. ( a ) ( 5 ) Section : Seven-Year Reporting Limitation - The inclusion of adverse information exceeding the seven-year reporting period, as outlined in 15 U.S.C 1681c. ( a ) ( 5 ) Section, is affecting my credit report.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - The information provided to consumer reporting agencies is inaccurate, violating 15 U.S.C. 1681s-2 ( A ) ( 1 ). 

5. Identity Theft and Assumption Deterrence Act Violation : - If there's any potential unauthorized transfer or use of my identification linked to identity theft, it may constitute a violation of the Identity Theft and Assumption Deterrence Act.

6. Consumer Financial Protection Act Violation : - The account 's transgressions may also fall under the Consumer Financial Protection Act ( CFPA ), particularly in terms of potential unfair, deceptive, or abusive acts related to consumer financial products or services. 

These inaccuracies and violations are not only a breach of my rights but are also significantly hindering my ability to secure credit for essential needs such as a new house, car, and other necessities for my family. 

I strongly advise taking immediate action to address these violations and protect my rights. As per federal law, I have the right to dispute and request the removal of inaccurate information, as well as report any potential identity theft incidents. Safeguarding my consumer rights is my top priority, and I appreciate your prompt attention to this matter. 

Respectfully,
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Checking or savings account

On or around XX/XX/XXXX-18 I filed a transaction dispute with a teller at XXXX XXXX   regarding a purchase at XXXX XXXX that was missing items. 

I explained to the teller that my order was incomplete and after trying to get replacement items from the company through emails for about a month they never sent some of the items I had paid for. 

I provided some of the emails and a statement to XXXX XXXX at their request for my evidence disputing the charge. 

On XX/XX/XXXX18 I received a credit from XXXX XXXX for {$180.00} which was the original purchase price at XXXX XXXX. 

On XX/XX/XXXX18 XXXX XXXX removed my credit of {$180.00} and in a letter umpqua bank stated that " no error had occurred and based on my agreement with the merchant my order had been processed correctly '' This confused me greatly as I thought the information that I provided clearly indicated that I did not receive some of the items I paid for. 

On XX/XX/XXXX18 I returned to XXXX XXXX to re-file my dispute and even provided more of the emails to show my order was never completely fulfilled. 

OnXX/XX/XXXX18 I received a 2nd credit of {$180.00} while XXXX XXXX re-investigated my claim. 

I thought the situation would finally be over, as I could not believe that if someone actually looked at the emails I provided from XXXX XXXX and myself it was clear I never received my complete order. 

Then it happend. 

On XX/XX/XXXX18 I received a letter from XXXX XXXX stating that my claim was again denied because " no error had occurred " and they closed my dispute.

On XX/XX/XXXX18 I again went to my local umpqua branch pleading with the teller to please contact someone in the dispute department to help me. She told me she would call me back that afternoon and never did.

On XX/XX/XXXX18 I called XXXX XXXX customer service phone number that was provided on their letter and spoke to XXXX about my situation. XXXX informed me that the dispute department is a closed department and there is nothing I or anyone can do about the situation as they only allow for one dispute inquiry and once the decision is made its final.

XXXX informed me that XXXX XXXX provided a tracking number that I received the package form the merchant on XX/XX/XXXX18 and that was the reason why my dispute was denied. I never claimed that I did not receive a package my contention is that it was missing items. This is the part I didn't understand and asked XXXX " if they sent me a box of dirt and I received it does that mean my order was fulfilled as purchased ''? That's why its seems no one read the emails between XXXX XXXX and myself. 

I asked XXXX if there was any recourse or agency that could help me further and he said " no ''. 

Then through my own research I found the CFPB.
Product: Debt collection

Recently I received a collections on my credit, it stated that I had a balance of {$850.00} due to an old phone bill. I haven't received any emails, phone calls or letters verifying that this debt is accurate. And even if it was accurate, I was not given the chance to correct the balance. 

I have a current plan with XXXX, which uses my social security number to verify I am eligible for services, and they have never once told me I had a balance due to the company. I haven't had XXXX XXXX for almost 6 years now.. and for this to just now be popping up on my credit is not okay.
Product: Mortgage

On XXXX/XXXX/16 Ditech received a {$2000.00}. principal payment from me. My check had " Principal Payment '' written on it. When I checked online, I noticed that the payment had been posted as the XXXX/XXXX/16 mortgage payment. I called Ditech on Monday XXXX/XXXX/16 to advise them that they had posted my payment incorrectly. The representative advised me that they would need three business days to make the adjustment/ correction, and that I could check back to confirm that the correction has been made. 

As of today, XXXX/XXXX/16 the correction has not been made. 
Is n't it the lender 's responsibility to post payments correctly? Once notified about the error, how much time does the lender have to make the correction? 
Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as FINAL NOTICE regarding your willful noncompliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Unlawful reporting of inaccurate, outdated, or unverifiable information Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibition of deceptive and unfair practices Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 Enforcement against unfair or misleading credit reporting Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Protection against fraudulent or misrepresented debt IMMEDIATE ACTION REQUIRED : I demand the immediate removal of the following dismissed and erroneous records from all reports, databases, and screenings associated with my file : Case Numbers to Be Expunged : XXXX XXXX Properties to Be Removed from My Records : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX These cases have been legally dismissed, and I owe no outstanding balance to any company. Your continued reporting of this data is fraudulent, negligent, and a direct violation of federal law. 

LEGAL LIABILITY & ESCALATION NOTICE Your failure to correct these records despite prior notices constitutes reckless disregard for federal compliance, causing financial harm and reputational damage. 

If these errors are not fully corrected within 24 hours, I will escalate the following actions without further notice : 1. Litigation Filing suit for violations under the FCRA, CFPA, and FTCA, seeking damages for financial harm, distress, and punitive measures 2. Regulatory Action Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Justice ( DOJ ), and State Attorney Generals Office 3. Congressional Oversight Contacting federal representatives to report systemic failures in compliance and consumer rights violations 4. Media Exposure Submission to consumer watchdog organizations, legal advocacy groups, and investigative journalists for national awareness CONFIRMATION REQUIRED I demand the following within 24 hours : 1. Written confirmation via email that all inaccurate records have been permanently deleted 2. Legal acknowledgment that I am fully opted out of all negative reporting 3. Copies of all updated screenings and reports reflecting accurate and legally compliant information Failure to comply will result in immediate legal and regulatory action. This letter serves as final notice before formal proceedings begin. 

You are hereby legally bound to comply with all applicable federal and state laws. 

Sincerely, XXXX XXXX I prefer electronic correspondence for efficiency and timely responses.
Product: Checking or savings account

I closed my checking account prior to XX/XX/2021 and a check was sent dated for XX/XX/2021 in the amount of XXXX. I did not know that I had received the check already in the mail and called Capital one on XX/XX/2021 regarding a possible lost check. Capital one responded appropriately and cancelled the check. The very same day, I found the lost check, and tried to call them back and tell them to stop the previous action of cancelling the check. They mentioned a " back research team '' or " people in the back '' that handle this type of issue and were not able to give me any more help regarding this matter. My main problem, is the amount of time that it took for the corrective actions to be taken and the amount of times in which I had to call them. On XX/XX/XXXX, I called and was told that I needed to wait some more time for the check that was cancelled to be " actually cancelled ''. Could take several business days. Next, I called back on XX/XX/XXXX, and was told that they needed to sent more communication to the " back team '' in order to see about further actions on me receiving a new check or maybe reversing the previous action on the current check. On XX/XX/XXXX, I called yet again and they mentioned that it could take several more business days for the " back team '' to actually get back to the front team. Or some such nonsense as this. Now, on XX/XX/XXXX, I spoke with a supervisor who now confirmed that the check was being sent expedited my way. Note, that only after I made this phonecall, was this information relayed that the check was now being sent. Also, I had to talk to two separate people in order to get this information. I would now have to call back on Friday in order to get a tracking number. I received the following reference number for this final interaction which was : XXXX My complaint is that this will take over 3 weeks for a check to be sent because of this other check being cancelled. How is it, with today 's technology, that it should take such a ridiculous amount of time for a check? I do have bills to pay and have plenty of debt and this is not acceptable. I would want actions taken on this company for this inconvenience.
Product: Debt collection

The California Business Bereau has took a negligent billing error by the hospital and ruins my life. I have proof I was under medical coverage during my time of care. For two days they XXXX me with XXXX and let me run out the street by myself XXXX XXXX. They then billed me directly instead of my insurance. Two weeks later my coverage was over. Even since the The CBB has taken this to court, harassed me at work, home, laughed at me when I said I was homeless with no job ... .Which is true ... And placed a levy on my bank account with less than 1000 to my name. I feel like they want o destroy me or no reason. I need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING ON MY CREDIT FILE THAT I OWE XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TN {$640.00} FOR MEDICAL SERVICES.  ALL OF MY MEDICAL BILLS IS COVERED BY THE UNITED STATES GOVERNMENT. XXXX REFFUSES TO PROVIDE VALIDATION OF THE DEBT AS REQUESTED BY ME.