23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Responding to a letter dated XX/XX/2019 from XXXX. XXXX US Bank customer Advocacy. In this letter of explanation and justification of allowing US Bank to request Two months mortgage payment before the grace period of 15 days is up ( early issue of mortgage statement ). Which is before a delinquent periodic payment has happened ( incurring late penalties )? Using mortgage banking terms or internal process as part of the 15day grace period, afforded to US Bank Servicing ( yet out of the customer hands ) in effect, do not appear to be per the loan documents and may most likely reduce the grace period at the pleasure of US Bank servicing. It will further allow US Bank justification of collecting late fees for internal process and or common used mortgage terms applications, not common to customers, blaming these processes of a customer mortgage payment being processed beyond the periodic payment period ( late fee after 15days ), justifying collection of a late fee. The loan documents periodic payment becomes past due, or when a late fee may be assessed, on the 16 day following the due date of the 1st. This is stated not only by their loan officer but on the Federal Truth and lending documents as well as on the loan documents themselves. Payments are deemed received by lender when received at the location designated in the note or at such other location as may be designated by lender in accordance with the notice provisions in Section 15. This letter in effect, directs further loan requirements not on the signed loan documents, but rather on the back of US Bank servicing department payment stub which limits or inhibits the 15 day grace period allowed with the loan documents. The 15 day grace period apparently includes industry servicing mortgage terms and or internal processes ( which the consumer has no control over ), according to this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like XXXX being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Credit reporting or other personal consumer reports

The XXXX data breach effected my credit profile and I want this recified
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX MD XXXX
Product: Credit reporting or other personal consumer reports

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 five 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 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: Debt collection

Cobb Law is attempting to collect a debt that is not owed. I did not renew a contract with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
SPECIALIZED LOAN SER XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized I did not authorize these companies to run my credit, and I am a victim of identity theft. 
XXXX XXXX XXXX XXXX- XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FM XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX GROVES, TX XXXX SINGLE FAMILY XXXX XXXX XXXX GROVES, TX XXXX SINGLE FAMILY XXXX XXXX XXXX GROVES, TX XXXX SINGLE FAMILY XXXX FM XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Year all not mine FIVEPOINT CREDIT UNION XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$14000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$3000.00} Date XXXX Dispute MOUNTAIN RUN SOLUTIONS L XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$360.00} Date XXXX Dispute SANTANDER CONSUMER XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$36000.00} written off. {$40000.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$40000.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$360.00} past due as of XX/XX/XXXX. 
Account XXXX XXXX XXXX {$360.00} Date XXXX Dispute
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Some of the listed accounts contain inaccuracies regarding their reporting, including inaccurate amounts and dates.
Product: Debt collection

My attorney told this company to stop calling me. They still called my personal cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022 and also tried to dispute it via website. Here is the tracking # 's XXXX, & XXXXTo remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681 I have the right to privacy. Also according to 15 U.S.C 6802. No financial institution is not allowed to share my information to a third party. 

These are clear violations of my federally protected consumer rights. 

I also completed completed a identity theft.gov complaint. Confirmation # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 




15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off account that has been reported on my credit file. This account, listed under XXXX, appears to contain inaccurate information that I believe has negatively affected my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information. The FCRA mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. Additionally, when an account is disputed, the reporting agency must verify the accuracy of the information with the creditor in question. 

I request that you promptly reinvestigate this charge-off account and verify the validity and accuracy of the information with the creditor. If the investigation determines that the information is inaccurate or unverifiable, please ensure it is promptly removed from my credit report, as required by law. 

Please inform me of the results of your investigation within the time frame specified by law. If you can not verify the accuracy of this account, I expect its removal from my credit file. 

Thank you for your attention to this matter. I look forward to your timely response. 

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

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud
Product: Money transfer, virtual currency, or money service

I am writing to formally express regarding my concerns regarding Zelle 's handling of my disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed the recovering the lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

Citi sent me an offer to open a credit card account in XX/XX/XXXX 
The invitation had a number : XXXX and the terms included a balance transfer fee of 3 %. I applied, an account was opened, I began a balance transfer but the BUT THE FEE WAS RAISED TO 5 %. I made numerous calls, spoke to numerous people over the course of 2 weeks but the fee always remained at 5 %. Subsequently I decided not to make the balance transfer. 
This was BAIT AND SWITCH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts! 

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( 3 ) accounts within the last 90-120 days which I have no reason why they still have not been removed off ( XXXX, equifax, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I was advised by my employer 's legal department that Rubin and Rothman LLC mailed a subpoena requesting my salary information. The subpoena notes the creditor as XXXX XXXX. for a credit card account that was closed on XX/XX/2009. Thus the statute of limitation to collect for this debt has passed. 

I also received a letter from the XXXXXXXX XXXX office requesting payment 20 days after the mailing of XX/XX/XXXX. 

I can not afford an attorney, and I have never been issued a subpoena. I will greatly appreciate guidance on how to proceed. 

Thank you,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 602 A section : It also states a consumer reporting agency can not furnish a account without my written istructions. 

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 then seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USE WITHOUT MY CONSENT I AM XXXX XXXX SOMEONE USE MY INFORMATION TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS USING MY INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am for the last time, demanding that you remove the said account from my credit reports or else I will leave me with no choice but to commence a lawsuit for harassment and the interference with my livelihood.To date you have not provided me with any documents clearly showing that the creditor has a valid case against me and yet you decide to retain this negative item on my credit reports.
Product: Credit reporting or other personal consumer reports

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt.

Additionally, referencing the legal precedent set in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 1681n. Civil liability for willful noncompliance XXXX  XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission.
Product: Vehicle loan or lease

On XX/XX/year> I, a consumer placed an application in good faith for {$50000.00} to purchase new car for my family 's personal needs to Chase Bank but credit was not extended to me. I provided my name, social security card number and electronic signature online. I received a notification instantly that my application was not approved. I thought it was a mistake, so I wrote a letter to Chase. In the letter I made sure to inform Chase that I was providing a tender of payment to them that my application was considered a security instrument, since all my private information including my social security card number was provided for this consumer credit transaction. I was told that I was denied credit for several reasons value of vehicle insufficient to relative request, insufficient income, to many request for new credit, and an old bankruptcy filing. The amount of request for new credit has nothing to do with my ability to meet my obligations, especially since I was not extended any credit I was shopping for a new car. None of these reasons are sufficient reasons why I would be denied credit when my social security credit card was used with no benefit to me. This an unauthorized use and access to my credit card. I applied for a new car because my Family needs a reliable car to get to doctors ' appointments, and work. I feel as if I am being treated like a minor or someone underage who is unable to enter into a contract which is discrimination on their part, especially when I made it clear that I was of age and full capacity to contract. When I wrote the company they told me they did not accept security instruments, payment coupons or any documents relating to the Federal Reserves Act. Which I though was strange especially since my application and the loan agreement they would require me to sign would all be considered security instruments.
Product: Credit reporting or other personal consumer reports

I received a letter saying you verified that the BANKRUPTCY is mine. I repeat, the BANKRUPTCY is not mine and is result of FRAUD/ERROR. I do not remember filling a BANKRUPTCY! Please REMOVE it from my credit report IMMEDIATELY! This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Student loan

My XXXX assist loans are in default after XXXX refused to work with me. They are currently held by a collection agency who is asking me, even higher minimum payments-that I can not afford. They are also refusing to send me any agreements in writing unless I give them my banking information. They are harassing me at work and on my personal phone, disturbing my work.
Product: Debt collection

I send a letter asking the company for validation of the debt twice and they never answered this is going over 6 months already, they took the debt off my credit report at one point then put it back on adding a XXXX and then they took off the XXXX and just left the reporting debt on my report.