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

I sent them a letter back on XX/XX/XXXX of this year and no one responded to me. The account is paid off and was never late. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX SS # XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX TEXAS XXXX XXXX XXXX GA XXXX To Whom It May Concern, I recently received a copy of my Transunion XXXX XXXX XXXX XXXX credit report and I noticed late payment posted on my credit profile. 

ACCOUNT : ACCOUNT # XXXX XXXX XXXX Your company is in clear violation of the law Under 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete/Update the above late payments from my consumer report, this agency is in violation of 15 U.S. Code 1681. Failure to respond satisfactorily with Deletion/Update of the above referenced account along with sending me a free copy of my credit profile after the changes have been made will result in legal actions being taken against your company. In addition I will be seeking {$1000.00} per violation for : 1- Defamation of Character ( per se ) 2- Negligent Enablement of Identity Fraud 3- Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4- Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ] Thank you for your time and consideration in this matter, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX CFPB XXXX XXXX XXXX # XXXX https : //www.consumerfinance.gov/complaint XX/XX/XXXX XXXX NY XXXX
Product: Debt collection

My house sold on XX/XX/XXXX and XXXX was paid in full for the solar panels I purchased from them. I had XXXX accounts with them and they automatically shut down XXXX of the XXXX accounts but the left XXXX open. They have continued to withdraw {$500.00} from my checking account each month and when it was brought to their attention they told me that it was my fault for not stopping autopay ; however, they did close XXXX of the XXXX accounts. When I called to ask when why my account continues to be debited I could not get a straight answer from anyone. They continued to withdraw {$500.00} from my account and they have no accountability whatsoever. I even asked to speak to a supervisor and I was told there was nothing that they could do and that I had to wait XXXX business days to get my money back. When someone writes a bad check that person is held accountable but it appears that credit companies are not.
Product: Credit reporting or other personal consumer reports

My credit was pulled without my permission or knowledge resulting in hard inquiries on my report.The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have never received the bill. It seems like it was for interest. I was never notified about this small bill. I always make my payments on time.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX {$4100.00} XX/XX/XXXX XX/XX/XXXX {$4000.00} XX/XX/XXXX XX/XX/XXXX {$3500.00} XX/XX/XXXXXX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$850.00} XXXX XX/XX/XXXX {$3600.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

Not notified of mortage being sold from previos lender making me late and or behind a month in payments and now charging late fees on or about in between XXXX to end of XX/XX/2022 XXXX
Product: Credit card or prepaid card

I mailed a money order for {$59.00} on XX/XX/2021 to Comenity capital and it was cashed on XX/XX/2021. They lost it.
Product: Checking or savings account

Dear CFPB, I am a small business owner. I accepted XXXX payments from my customers on XX/XX/2023 through my Chase app ( XXXXt/WePay ). Wepay is Chase ' payment processor. One for {$260.00} and another one for {$530.00}. I got an email that my funds are on hold and that I need to send them documents regarding my business in XXXX days or my payments will be cancelled.They asked for an invoice, any IRS documents, EIN and bank statements. After sending the documents, I received an email from WePay by J.P Morgan that my account has been closed for no reason. 

On XXXX the XXXX, I went to a chase bank to see why they closed my account and why am I not receiving my money. The banker called WepayXXXX to ask why my account was closed. XXXX said you have to send an email to XXXX to ask them to reopen your account. I did send that email. Got back a reply that the appeal is denied and they are not able to offer me a solution at this time and that the funds will be held for 120 days. I am a small business and withholding payment puts my business and cashflow in a difficult position. 

Next day, XX/XX/XXXX, I went to another chase branch hoping someone will help this time. Same exact scenario and they said we can not help and the funds will be on hold for 120 days. They didn't provide any valid reasons and said they will no longer process my payment because of proprietary reasons and that they are unable to share exact details. The manager of the branch couldn't help and said this is out of his hands and he will escalate this issue. I reached out to my customers to confirm that their card was charged and they confirmed. 

Today is XXXX the XXXX and I still haven't received my money. I am supposed to receive a total of {$790.00} I would appreciate your help in getting my money back. Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account which had been paid and it 's still showing in collection/charge off and negatively impacting my credit with XXXX. Account have been deleted with XXXX and XXXX but not with XXXX which is still pinging negative every month. Account have been settled since XXXX and account have been reporting almost 7 years which too old to still be affecting.
Product: Mortgage

please send a copy of the homeowners insurance policy that commenced in XX/XX/2015 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX  XXXX Balance : {$500.00} XXXX  XXXX Balance : {$130.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I was alerted that my XXXX acct. had been changed ( name and address ). After logging in I found several pending charges was placed. After calling XXXX and finding out that it was thru XXXX XXXX. I called my bank @ XXXX XXXX to report it. The bank said they canceled any pending charges and my card. I was told by the bank that a fraud report had been placed and since it was an Unauthorised Use it would take 24-48 hrs for the charges to drop off. Call ended On XX/XX/XXXX I  noticed a {$6.00} had not dropped. I called the bank, told them why I called and was directed to the " Fraud Dept. '' ( not like the first call ). After finding out a fraud report was never logged I was n't a happy camper She then made me feel that I was wrong and as she said " I did n't ask the right questions at the end of the call to insure everything was complete ''! She added " IT 'S ONLY {$6.00}! I was XXXX, asked if we were finished, she replied " If YOU do n't have any more questions. I hung up. I called Back on several occasions only to be placed on hold for a LONG time or misdirected my call till I became frustrated enough to Hang up on the USAA Bank Individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit for several months. I filed an FTC report as well as wrote letters to the credit bureaus. I have not received any notification about any advances on the updates for my credit report. This is against my rights and my next step is to filer for litigation of the information is not corrected.
Product: Consumer Loan

I had a lease with Toyota Financial Services and purchased the vehicle after the lease was over. I purchased through another finance company in XXXX XXXX. In XXXX XXXX I received a tax bill from my city for approximately {$30.00} ( which covered the month of XXXX of year when I owned the vehicle ). I paid the tax bill and immeditaely called Toyota Financial Services to find out what I would owe to them for property tax. I was assured by the representative that my account was paid in full and I did not owe any taxes. I explained to the reporesentative that I should owe taxes for XXXX for the amount of time the vehicle was leased. She assured me that I would not owe any taxes. All a sudden a month ago I received a letter stating my account would be in collections if I did not pay the taxes owed. I called Toyota Financial and they advised it was for property taxes. I advised them i was told I owed no taxes and they said the information was incorrect. I asked for a copy of the tax bill because the amount they provided seemed too large to me. They advised I would have the bill within XXXX48 hours by email. It has been 2 weeks and I still have not received a copy of the actual bill from the county. I called again today and was told they were not sure why the request was not put in but they would put it in again today. She said they are backed up and would have it to me in 72 hours. I am afraid my account is going to be sent to collections and will affect my credit and they are not helping me prevent that from happening.
Product: Credit reporting or other personal consumer reports

Sent in disputed for incorrect accts showing on credit report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, declare that I became aware of the existence of the following XXXX XXXX XXXX XXXX accounts when I received a notification indicating that my Social Security number and other personal information had been compromised and was found on the dark web. This discovery alerted me to the possibility that my identity had been stolen and misused. 

The XXXX XXXX XXXX XXXX accounts in question, which I did not authorize, include : XXXX. XXXX XXXX XXXX XXXX XXXX : Charged off, {$6400.00} written off XXXX. XXXX XXXX XXXX XXXX XXXX : Charged off, {$1600.00} written off I did not open, authorize, or use either of the accounts listed above, nor did I consent to anyone else using my personal information to do so. These accounts were created or accessed fraudulently using my stolen identity. 

I request an immediate investigation into these accounts and for them to be flagged as fraudulent. Please remove these accounts from my credit report and ensure that any balances or negative entries do not impact my credit score.
Product: Debt collection

I received a phone call from a phone number showing as  XXXX  on  XXXX / XXXX /  XXXX  . A voice mail message was left stating that they were calling " regarding a formal complaint being filed '' against me and that if I had information in regards to the where abouts of this individual, to contact them immediately at  XXXX  a s the next step would be filing the necessary paperwork with the local county court. '' The same m essage was left on numerous family members voice mails. I called the number provided in the voice mail the same day and spoke with  XXXX   XXXX . He told me that they were in the process of charging me with bank fraud and that I had a last chance at restitution by paying {$650.00}. He said the debt was in regards to a payday loan advance. I told him that I had taken out  XXXX  loans in  XXXX  and all had been repaid. I told him that I was not going to pay another debt until I was provided written proof of the validity of the debt ( I have received no paperwork from this company in regards to this debt ). I told him that I was told the last time I received a phone call like this about a payday loan that I had paid, I was told that sometimes the debts are sold and the records are not updated accordingly. I told him I was not going to continually blindly pay these debtors without having proof of the debt. I also told him that I had been told previously that providing documentation in regards to the validity of the debt was not possible and that I could only obtain that kind of information in court. I also informed him that it was NOT ok to continually call my family members in regards to a debt that they claim belongs to me. He stated at that time th  at GVA Holdings does not make any outgoing phone calls. I asked him who was making the phone calls. He stated that they hire a company to do that. I told him that they and GVA were violating the FDCPA. He said that GVA was not a debt collector. I asked him what he was attempting to do when speaking to me then?
He said " provide a method of restitution. '' I said he was attempting to collect money from me to then in turn hand it to a creditor, thereby COLLECTING A DEBT. So they are basically trying to skirt any compliance with the law by hiring a company to make their collection calls. The conversation ended with me telling him that I would not pay the debt or even agree to the debt unless I was provided written proof of the validity of the debt. They continue to contact me and various family members continually to date. All I am asking for is 1. they stop harassing my family members ( and violating the law ) 2. proof of th  e debt. This debt was incurred over 10 years ago!!!! I have paid several pay day loans to date. I will not continue to blindly pay these people simply because they call me and say I owe them money and continue to threaten and harass my family and I. They have, to date, failed to provide any written documentation in regards to the debt. I have not received a single letter from them.
Product: Student loan

I have been making automatic payments without fail. My payments were {$160.00} and some change. I did not remember to fill out paperwork for recertification for   XXXX   for income based payments. They say that they sent reminders, but that is not true. On  XXXX   XXXX  of this year I opened my bank statement and was stunned to see that they debited {$2900.00} from my checking account. I spoke to an agent of Navient and said that I was going to fill out the required paperwork including copies of tax returns. I faxed the paperwork to them and told them to cancel automatic payments. Yesterday, which was  XXXX   XXXX  I opened my bank statement and realized that once again they tried to debit my account for {$2900.00}. I had an extreme physical reaction. My   XXXX   XXXX   XXXX   XXXX   and. My  XXXX   XXXX    XXXX   XXXX  . I experienced   XXXX   XXXX   and I ended up taking  three  times my normal  XXXX   XXXX   XXXX . I had to lay down to avoid  XXXX . I contacted  Navient  a couple of hours later after I had recovered to some degree. I was told that if their check went through I could start the process of a refund that w ould take two to three  weeks. I checked today and realized that my stop payment had been honored. I think they are absolutely ruthless and that they could of driven me to a   XXXX   XXXX  . I am going on   XXXX   XXXX   of age and that they acted in an irresponsible manner which could have caused significant damage to my health and well-being. They never warned me of what they were going to do and I believe it was their way of getting my attention and disciplining me.
Product: Credit reporting or other personal consumer reports

Bounce AI Subject : **Cease and Desist of Communication Under 15 U.S.C . 1692c ( c ) ** Dear Bounce AI I am writing to formally request that you immediately cease and desist any further communication with me in regard to the debt referenced in your records.

Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me about this alleged debt. Specifically, I am requesting that you refrain from any further written, verbal, or any other form of communication, including phone calls, letters, and emails, unless it is for the purpose of notifying me that your collection efforts have ceased, or you are taking specific legal action. 

Please be advised that any further attempts to communicate with me in violation of this request will be considered harassment, and I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my states attorney general. 

I request that you confirm in writing that you have received and are complying with this cease and desist request within 30 days. 

Thank you for your prompt attention to this matter. 

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

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT(FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c)(B)(iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Product: Debt collection

RECEIVABLES PERFORMANCE : Highest Balance {$310.00} You've paid off 100 % of your collection amount. 
XX/XX/2018 ( 8 mos ) Creditor Information RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Checking or savings account

XXXX XX/XX/2022, my XXXX yo mother got a call on her cellphone, caller ID and caller identities themself as Bank of America XXXX Department. After a conversation about fraudulent activity on a new account l, which I did not recognize, they were able to get enough information to access the account. I was on the phone trying to get in touch with the bank to verify the callers identity when I realized it was a scamming caller. The caller scammed our account of {$2900.00} not including fees accrued from bouncing automatic withdrawals, which take a month to stop. The transaction were incurred in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX have been reporting inaccuracies in their information. 
I have filed a Federal Complaint CasXXXX XXXX XXXX in the Central District Court XXXX
Product: Credit reporting or other personal consumer reports

This serves up to a follow up dispute regarding the inaccurate information on my report with the following accounts XXXX XXXX XXXX XXXX # XXXX BALANCE {$31000.00}, XXXX XXXX ACCOUNT # XXXX BALANCE {$500.00}, XXXX ACCOUNT # XXXX BALANCE {$5900.00}. According to 15 U.S.C. 1681i ( 4 ), you must consider all relevant consumer information during the investigation process. My official FTC and CFPB complaints directly address the removal of these fraudulent accounts and must be taken into account for their permanent removal within the next 4 business days of this written notice. It has surpassed the 4 days and is now a violation of the FCRA concerning the time frame for identity theft information removal. I request for immediate action or I will pursue legal action.