23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly, I found that under section 605b ( a ) XXXX, Equifax, and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and XXXX XXXX XXXXXXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus have failed to remove fraudulent accounts off my file that 's a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion lied and said that they investigated and seen that I was not affected by their error. In fact I was and I have proof. They took inquiries off and placed them back on my report without notifying me of such which is a major violation and a suit needs to be brought against them
Product: Payday loan, title loan, or personal loan

This loan was as a result of getting new gutters installed from XXXX Filters. Was told interest free for 18 months. At the end of the 18 months because loan was not paid in full the financial institution added the whole 18 months worth of interest onto the balance. Now I owe almost the amount of the original loan. I actually had a previous interest free loan thru another institution and had no such problem. There have been additional payments made on this loan thinking to pay it off soon. Received no notification that the interest was going to be added. Hoping for some help.
Product: Credit reporting or other personal consumer reports

I never received a XXXX form and its reporting it as a charge off in my report.. the charge off is being reported multiple time that a false information sincenyou only have charge it off XXXX. This is for XXXXXXXX XXXX  XXXX account # XXXX
Product: Vehicle loan or lease

Financial Institution - Ally Bank Loan Product - Used Auto Loan I, XXXX XXXX XXXX went to XXXX XXXX XXXX, NC on Friday XX/XX/XXXX to purchase a vehicle after losing a previous vehicle to a total loss situation. After 6 hours at the dealership, Ally Bank approved me, not for the $ XXXX I was asking for but countered at $ XXXX or less and they would approve the purchase. So I moved forward with the purchase of a XXXX XXXX with XXXX miles. I was excited to finally have a vehicle again. 

I provided the dealership with my Drivers License, SS Card, XXXX Tax Returns, 1099 Forms and 6 months of Bank statements. The deal was approved and I left with the car that day. 

The following week, a male representative from Ally called me to confirm my contact information and PII and confirmed the monthly amount and payment date and stated I would be receiving something in the mail with that information. The Ally rep congratulated me on the new vehicle and I ended the call. I thought the process was complete and I could enjoy my new vehicle. 

Then, the first week of XXXX, three weeks after the purchase, I started getting numerous text messages and calls from the dealership and from Ally Bank. The dealership was asking me for more income statements. Then the Ally Bank representative ( XXXX ) in XXXX, Florida contacted me on XX/XX/XXXX from the number XXXX, and also wanted more verification of income as the two years of tax returns and 6 months statements and my 1099 's were not enough. 

When I told her I was a Non Resident Alien of XXXX, and that I worked for XXXX and was paid on a 1099 and there was no additional information, documents or contact numbers I could provide to her, her tone changed. I also told her that I did not understand everything she was saying or asking me for since XXXX is not my first language. She then became very annoyed with me. I told her that I had no additional documents to provide and I did not understand why they kept calling me. She then told me on XX/XX/XXXX that she was denying the loan and that I needed to return the car. 

I tried to call her back multiple times on XX/XX/XXXX to discuss the matter to resolve it but she was not answering her phone. I contacted the dealership the same day and spoke with the finance office and they told me that XXXX had reached out to them on XX/XX/XXXX and that they would now approve the loan if I brought them an additional {$6800.00}, reducing the cost of the vehicle to {$14000.00}. I can not pay that as it was not the agreed upon term the date I drive off with the vehicle.

I feel like I am be

ing discriminated against since I was credit worthy to get the car, I have established myself in the US, I have a job and make money, pay taxes, and then because they don't like something, they come back and tell me I have to give it back my only form of transportation three weeks later. This is unethical and deceptive. I am now scrambling to find alternative financing and am so stresses out I do not know
what to do.
Product: Debt collection

per attached PFD file It appears personal ID information was used to fraudulent obtain a credit at SYNCHRONY BANK to make purchases. 
This account now transferred to XXXX XXXX XXXX as a debt collector
Product: Debt collection

XXXX XXXX- According to 15. U.S.C. 1692C you have violated my rights by in lawful communications. Please remove this collection from my credit report. Thank you!
Product: Mortgage

The CFPB complaint ( XXXX ) was closed before you actually looked at the account history for the late fees being applied. In your response you stated that partial payments are passed into a suspense account until the full amount to be paid for the month is received. This is not what happened. If you had actually looked at the account history for the complaint of late payments you would quickly see that you had placed {$600.00} into suspense then applied {$550.00} as additional principle. The amount owed for the month was then {$1000.00} because you didnt apply anything to the monthly balance. You would think it would be pretty obvious that if the monthly payment was not yet paid that that is what the payment is supposed to be for, and not additional principle. And because nothing was applied to the monthly payment you took it out of the next months payment, causing that month to be late. then you did it to the next month and so on... 

You also missed the issue regarding why the payment was 30 days late for the bankruptcy. It was late because YOUR COMPANY WITHOUT NOTICE TOOK AWAY OUR ABILITY TO PAY! When we CALLED YOUR COMPANY REFUSED TO REACTIVATE OUR NORMAL PAYMENT METHOD IN ORDER TO PAY ON TIME. This caused us to be 30 days late as we had to send the check by mail because again you refused to let us pay how we paid for a year or two upto that point!!! IT WAS YOUR REFUSAL OF PAYMENT THAT CAUSED US TO BE LATE. YOU WITHOUT NOTICE DEACTIVATED AN ACCOUNT THAT WE USED TO MAKE PAYMENTS FOR OVER A YEAR THEN REFUSED TO REACTIVATE IT WHEN WE CALLED MAKING IT IMPOSSIBLE TO MAKE A PAYMENT ONTIME.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a formal dispute with Experian requesting the removal of an unauthorized collection account associated with XXXX XXXX XXXX ( account numbers : XXXX, XXXX ) from my credit report. Under the law ( FCRA, Fair Credit Reporting Act ), Experian is required to investigate and resolve disputes in a reasonable manner. 

On XX/XX/year>, I received a response from Experian in which they removed an inquiry instead of the disputed collection account. This shows that Experian did not properly review my case or meet the requirements of a reasonable investigation. As a result, the unauthorized collection account continues to affect my credit report.
Product: Credit reporting, credit repair services, 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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX- {$400.00} XXXX. XXXX XXXX XXXX XXXX XXXX - {$120.00} XXXX. XXXX XXXX XXXX XXXX - {$1200.00} XXXX. XXXX XXXX XXXX {$540.00} XXXX. XXXX XXXX XXXX XXXX - {$9100.00} XXXX XXXX XXXX XXXX XXXX Account No. XXXX ( dates : XX/XX/XXXX- XX/XX/XXXX ) XXXX. XXXX XXXX XXXX - {$330.00} XXXX. XXXX XXXX XXXX XXXX- {$5300.00} XXXX. XXXX XXXX XXXX XXXX XXXX. - {$330.00} XXXX. XXXX & XXXX XXXX - XXXX - {$560.00} 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681, Section 604-A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and collection or financial company by the name of Collection Bureau Hudson Valley Inc. have been reporting inaccurate information on my credit report. The account number is : XXXX I have written the company Collection Bureau Hudson Valley Inc with a debt validation letter and they responded back after a cease and desist. They never sent the legally required document that suffices a debt or a debt validated. They have multiple consumer violations within their letter and letterhead. I would like the account removed and compensated no less than {$100.00} and not more than {$1000.00} per violation. 
The certified mail tracking number is : XXXX All supporting documents will be included.
Product: Student loan

I filed a forgiveness for my student loans. They said in writing that after 3 years from submission of forgiveness that if a decision wasnt rendered then they would automatically be forgiven. No decision was rendered. Its been way over 3 years. Please forgive my loans.
Product: Debt collection

This account is fraudulent in regards that the security interest paid for all obligations. USAA continues to communicate with me harassing, oppressing, and abusing me in connection with this debt. USAA has continued to send false, deceptive, and misleading representation in connection with the collection of debt created by this account. USAAs unfair and unconscious practice to collect this debt is causing harm, abuse, and is very deceptive. 
USAA continues to infringe on my rights as a consumer by not in good faith upholding their responsibilities in regards to the Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) for the debt in dispute as well as the validity of the debt, or any portion thereof.
Product: Debt collection

5th Request. Please be advised!! Ive sent in multiple dispute letters to XXXX XXXX and XXXX XXXX in reference to Southwest recovery account not belong to me being fraudulent. All disputes have been ignored. With the last complaint being sent in on XX/XX/XXXX and Southwest Recoverystated it was their first time hearing of this complaint which is lies please see attached FTC report from XXXX XXXX. Which is way over 45 days legally so now theyre saying theyre doing investigation again this is against the FCRA. Ive never done business or entered into a written contract with this business and I am requesting that they delete this fraudulent account from my credit file now today. I also have proof where letters were sent into the credit bureaus on XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XXXX XXXX so being that Southwest recovery is still investigating I will be called contacting my attorney and following a complaint with the attorney generals office
Product: Debt collection

I recently noticed the following collection account on my XXXX AND XXXX consumer credit report : ENHANCED RECOVERY SERVICESXXXX XXXX {$1100.00} This account was previously disputed but to date, I never received DOCUMENTARY EVIDENCE from credit bureaus nor creditor proving the dates and amounts are accurate and proof that I have a signed agreement with said creditor. Please note that copies of statements are not valid proof of a dispute. 

The above mentioned credit bureaus failed to provide me with the following prior to listing said collection on, y credit file : Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Acts to regulate commerce means subtitle IV of title 49 and the Communications Act of 1934 [ 47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto.
Product: Mortgage

In the light on COVID-19 my partners job has been considered nonessential and he is temporarily out of work. I am considered essential as I work in a XXXX  and am still going to work. We chose to back out of the contract and DR Horton agreed to let us do so since we are only now working off of one income. When we received the denial letter from DHI Mortgage under my name- XXXX XXXX XXXX it said " Unable to verify employment '' " unable to verify income '' this is not so considering I am still working and the " income insufficient for credit amount requested '' could have been checked. I contacted the Mortgage loan officer, XXXX XXXX, who was working on the loan and he said that it doesn't matter because once they send the letter it can not be taken back. The information was reported incorrectly by a loan officer who was negligent with our loan to begin with. He kept trying to push my partner and I into an FHA loan even though we fully qualified for a conventional loan. We had to tell him multiple times that a FHA loan is not what we wanted. He was negligent with our dates on our new build. The list goes on
Product: Credit card

CareCredit through Synchrony Bank was used to finance my hearing aid. My monthly bill was always due on the XXXX. I knew I had until XXXX of 2024, to pay off the balance of {$300.00} as that would be the one year of the interest free promotion. However, rather than the last day to pay the promotion being on the XXXX ( the billing date used for 11 months ), the payment was due earlier in the month on XX/XX/XXXX. Therefore, I missed the deadline to pay without the interest being added. It was a sizable amount over {$600.00} for added interest. I did not receive a separate email saying this payment would be due on XX/XX/XXXX. I only received an email regarding my normal due date of XX/XX/XXXX. 

I feel this is a very misleading practice as it creates a different due date than the date used for the other 11 months. This practice does not happen with other promotions that I've used for interest free payments plans. In these cases ( XXXX XXXX XXXX ), the due date for the promotion payments stay the same as all previous due dates so the consumer is not blindsided at the end of the promotion. It seems like a deliberate trap by CareCredit to give consumers a different promotion pay off date that is earlier in the month than their typical payment due date. 

The Promotion Terms did not include any dates for the end payment. I did finally find it on the statements on the second page when I looked at them in more depth on XX/XX/XXXX since I was confused about the larger payment due. I find the website to be a bit confusing and difficult to navigate. I did spend more time trying to find out why my payment was higher than expected and finally found the XX/XX/XXXX deadline in smaller print on the second pages of the statements. I don't believe customers should have to search so much for the different date and I feel it is a deliberate practice to create confusion and to trick customers into missing the final promotion due date. 

I received electronic notices of payment due dates for the XXXX of each month. However, no email was sent for the XX/XX/XXXX promotion deadline. On XX/XX/XXXX, I received an email with the monthly statement that included the interest charge. However, this went to spam since it was the only statement email I received during the promotion. I also received an email on XX/XX/XXXX saying my terms had changed. Again, this went to spam and was not seen until just now. This too seems like a deliberate trap to only notify customers after they missed the earlier due date for the last month 's payment of the promotion.
Product: Credit card

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and XXXX
Product: Debt collection

On XX/XX/2020 is submitted a complaint ( XXXX ) these derogatory items were supposed removed from my credit file since the complaint was closed. This company aren't allowed to collect debt whatsoever, and now upon checking my reports after updating my new address information I see that these creditors are now sending new correspondence to my new home address. This is harassment and against the law. These harmful items still exist and are seriously damaging to my score. They now have a new company reporting the same debt this company 's name is Phoenix Financial Service. Upon checking with my state this company is also unlicensed and unauthorized to collect debt in the state of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY. 

XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityJoint with XXXX XXXX Date OpenedXXXX StatusAccount charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXX
Product: Debt collection

I never opened an account with Central Portfolio Cont and would like to request debt validation
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as high in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations, I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX FLAGSHIP CREDIT ACCEPTANCE po box XXXX XXXX, TX XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and FLAGSHIP CREDIT ACCEPTANCE ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

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

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

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

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX