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

I am writing to dispute the accuracy of information on my credit report. Upon reviewing my report, I discovered two accounts that appear to be fraudulent and not authorized by me. The accounts in question are as follows : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit Card Balance : {$100.00} ( as of XXXX XXXX, XXXX ) Credit Limit : {$700.00} Status : Closed Payment History : Account is shown as closed with no late payments XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit Card Balance : {$740.00} ( as of XX/XX/XXXX ) Credit Limit : {$750.00} Status : Open Payment History : Account is shown as open with no late payments I have never initiated or authorized the opening of these accounts. Therefore, I request that they be investigated and promptly removed from my credit report. 

Moreover, the account information provided for the TBOM/CONTFIN account includes a statement regarding the normal discrepancy between the balance reported and the balance on the credit card statement. While I understand this practice, I would like to emphasize that the reported balance of {$740.00} significantly exceeds any balance I have ever held on a credit card. This raises concerns about the accuracy and legitimacy of the reported information. 

Furthermore, I assert my rights under the Fair Credit Reporting Act ( FCRA ) and demand that these accounts be thoroughly investigated and removed from my credit report within the legally mandated timeframe. I have enclosed a copy of my police report documenting the fraudulent activity for your reference. 

Please provide written confirmation once these fraudulent accounts have been removed from my credit report. Additionally, please inform me of any further steps I need to take to ensure the integrity of my credit profile. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Usbank loan number is XXXX for XXXX and XXXX XXXX. We have tried to make payments with a usbank debit card which they will not accept thier on bank card we have made payments via branch night drop and we have made payments via online bill pay with guaranteed delivery dates. Each occurrence they hold or delay posting payments in order to charge late fees. The payment in XXXX posted on XX/XX/XXXX wich is prior to the XX/XX/XXXX late payment date and they still charged a late payment fee. They required that we disclose our race during the application process so they know that we are a minority family so they feel we won't complain when they collect fees unjustly. They are profiling us and this should be against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX a hard inquiry XXXX XXXX XXXX XXXX late payments, when paid on time ), bank of america 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.

15USC 1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Product: Mortgage

Bank of America is the current mortgage servicer of my second mortgage which was sold in a mortgage securities pool in XXXX. The mortgage was fraudulent upon issuing. Pursuant to 10 PA Code Section 48.3, the company issuing the mortgage used and provided fraudulent information contained in these sections of the PA code : ( 1 ) A dishonest practice or conduct is characterized by a lack of truth, honesty or trustworthiness, or is deceptive or implies a willful perversion of the truth to deceive, cheat, or defraud. ( 2 ) A fraudulent practice or conduct is characterized by deceit or trickery, an intentional perversion of the truth to induce another to part with something of value or to surrender a legal right, or an act of deceiving or misrepresenting. Fraud also includes any other  definition of fraud under applicable law. Example A : A mortgage originator employed by a mortgage broker has promised a certain low-rate mortgage loan to a consumer. However, the consumer does not have the minimum debt-to-income ratio set by the lender preferred by the mortgage originators employer to qualify for the lowest-rate mortgage loan offered. Therefore, the mortgage originator changes the XXXX statement of the consumer to reflect a higher income for the consumer without the consumers knowledge, and then submits the documentation to the lender. Example B : An employee of a mortgage lender contacts a real estate appraiser with a request to perform an appraisal and informs the appraiser that the sale price of the property is {$150000.00}. The employee knows that the property will not appraise for that amount, but promises the appraiser future business if the appraiser can make the deal work. The mortgage loan is closed by the mortgage lender based upon the appraisal report showing the value of the property as {$150000.00}. I was tricked into this mortgage during desperate times. The interest rate is 9.75 % fixed. I had been paying interest-only for 10 years, and in XXXX I was required to start paying principal and interest. I have been struggling with these payments and will not be able to hold on much longer. I love my house and want to spend the rest of my life here. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report for LexisNexis, which I see that there is a bankruptcy showing on it. I have tried to dispute it with them, and have not gotten any results back. I was disputing it for incorrect information, as they have stated the person reporting this information is nonother than the US XXXX  Court Of Kansas. I have checked with the US XXXX  Court Of Kansas, and have received a letter stating they do not report to anyone. I have attached said letter for the records. I would like to get this handled as soon as possible. I am thankful for the time that would be given to investigate this complaint, and I look forward to hearing back from you all.
Product: Credit card or prepaid card

After communication and attempts Saks Credit Card, Capital One, continues to be deceitful in fees and interest on account along with settlement offer to delete account.

Every month for over a year the account has been accessed incorrect late fees! Due to this frustration there has been conversation of settlement but the company reversed course at the last minute only to continue accessing erroneous late charges and interest, which in turn causes balance to continue to increase even after payments of more than minimum are made on account. Saks ( Capital One ) uses unethical and deceptive practices on account
Product: Credit card or prepaid card

On XX/XX/XXXX I call US BankRelia Card about some unauthorized charges that was on my account. I was just told that I would receive a New Card in the mail within 5 to 7 business days. When I received my New card in the mail, I tried to activate my account and come to find out that my account is disabled and inactive to where I can not Log in my account. I called them to find out that They want me to send them proof of my identity and send them my W2 form. I sent them my information everything that they asked for and my account is still inactive. I have XXXX on my card account that I cant even use and Im being given the run around to receive my money l
Product: Mortgage

Requested mortgage assistance with my property I have submitted financials to the mortgage service Select Port Folio. 
Please Help I don't want to lose my property. The bank is very difficult to work with. I reside in the property to assist my elderly Mom whom need my help.
Product: Debt collection

I am continually being called on the telephone by ARS ACCOUNT RESOLUTION over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence by writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 

I look forward to a speedy resolution of this matter.
Product: Student loan

Navient student loan people keep calling me about another person. I have no student loans open. I have told them repeatedly this is not me and to stop calling and they keep calling.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I reviewed my recent consumer report and there are inaccurate and unauthorized transactions and reporting on my file that need to be deleted and updated to PAID AS AGREED/ PAID IN FULL? CURRENT and all GOOD standing marks Only showing on my consumer file.

I see that there's late payments and negative reporting transaction showing on the credit file and I am in need of all the PROOF and EVIDENCE for the Creditors and the Consumer reporting agencies to furnish and report any of my information to any XXXX XXXX. 
If they do not have my written permission to report, then, they MUST remove and update my credit report as I demand... 


15 usc 1666b- No corporation can report and furnish any late payment for any reason without the consent of the consumer. PROVIDE PROOF PRIOR TO REPORTING ILLEGAL Information that is inaccurate.

These corporations and consumer reporting agencies must delete the inaccurate information immediately XXXX, XXXX I have never been late... Never been late as this account is paid in full/ Current. 

XXXX XXXX : I have NEVER been late and I need this account to be updated.

I also need a copy of the 1099c and the title as they are in breach of contract and breach of fiduciary duty. I sent IRS the 56 form, 3949a, 211 ... with a w4/ 1040v/ 1040/ Proof of fraudulent transaction and payment history. They owe me all the unearned interest payments for all the months that I overpaid since XXXX. 15 usc 1615 XXXX XXXX XXXX XXXX : I was NEVER late and I need this updated immediately. They also need to send me the 1099c, Processed Documents, warranty deed, and all the unearned interest payments that I have overpaid and that they are not paying Taxes on as this is proof of securities fraud. 

XXXX XXXX : I was Never Late. I need this account updated. 

XXXX : I was NEVER late and I need the account updated immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information is being reflected on my credit report.
Product: Payday loan, title loan, or personal loan

My Grain account was opened XXXX of XXXX. I was approved for a credit Limit of {$750.00} My credit account has been restricted and withdrawals from the credit line has been disabled. This company has withdrawn {$60.00} from my bank account. I have never had access to the credit limit. I sent several emails, requests, complaints advising them that I could make withdrawals. Nothing has been done. 

( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing to file a complaint that Experian continues to inaccurately report the XXXX Account negatively on my credit report. Negatively affecting my life. 

They are in violation of several fcra laws.

This account does not generate on the other 2 bureau 's.

According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score.

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports.

I am demanding that experian remove this account immediately as it is negatively affecting my life.
Product: Credit reporting or other personal consumer reports

I am writing to address the issue of inaccurate account reporting on my consumer report. I would like to draw your attention to the fact that I never provided written consent for the inclusion of these accounts in my report. Consequently, I believe that my rights under 15 USC 1681b have been violated. This particular violation pertains to the safeguarding of consumer information and the necessity of obtaining consent before reporting it. 

I have already filed a complaint with the Federal Trade Commission ( FTC ) and have been assigned a reference XXXX. Furthermore, I have made numerous attempts to request the removal of these items from my report, only to receive unsolicited documents from the creditor. My grievance is specifically aimed at the credit reporting agencies, namely XXXX, XXXX, and TransUnion. It is your responsibility to ensure accurate and compliant reporting. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to promptly block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft. Therefore, I kindly request that you fulfill this legal obligation and expeditiously eliminate the following accounts from my consumer report : Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Mortgage

Winding down to closing with the home loan up to Friday I had sent multiple emails and my loan officer and document specialist were out of office ( I plan to close the following Monday. The supervisor of the loan officer was not returning my call. I had yet to receive an accurate closing disclosure with the correct rates. There was also no communication from my loan officer to my real estate agent/ title company. As far as an online loan experience this whole process has been terrible. With little communication, no replacements for my loan officer.
Product: Debt collection

XXXX XXXX XXXX is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX. I have never received any correspondence from XXXX XXXX XXXX. I have requested documentation in accordance with the FCRA, but XXXX XXXX XXXX refuses to comply. XXXX XXXX XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX understands the importance of properly investigating my concern. This has caused a great financial and credit burden on my family as we were recovering from medical issues and the aftermath of Hurricane Irma. I will continue to document my efforts to get this issue resolved and seek litigation if I need to.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I'm not sure if I've arrived at the right location given the narrow scope of the wizard used on this site ; however, I wish to complain about the harassment I'm being subjected to by ClearPath Lending, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. I have asked them repeatedly to stop sending me solicitations for refinance of my VA mortgage to no avail. On XX/XX/2021, and on XX/XX/2021, I requested via their web site ( https : //www.clearpathlending.com/contact/ ) they stop sending me correspondence. Today, XX/XX/2021, I received yet another solicitation from them. Their offers mention the U.S. Department of Veterans Affairs and " Veterans Administration '' so I find them to be somewhat misleading as to their possible representation of the federal government. I request your assistance in stopping this harassment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress I want the CFPB to publish this : for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have not been reporting my Upgrade account timely. The last reporting was on XX/XX/2022. There is no XXXX update, today is XX/XX/XXXX. The Credit Bureaus claim UpGrade has not provided them with an AUD since XX/XX/2022. 
Therefore I must ask and request the following information : Does Upgrade provide monthly updated account information to XXXX, XXXX and XXXX? 
If Upgrade has Provided account information since XX/XX/2022 I am requesting a copy of the AUD ( Automated Universal Data., or AUD, means an automated, online form that Data Furnishers use to transmit interim maintenance requests to update or delete previously reported accounts. An AUD is used by Data Furnishers who send it using XXXX to all of the credit bureaus. ) If Upgrade did not provide the Credit Bureaus with updated information for my account I am asking why not and what is their reporting policy. When account are not updated timely this has a negative effect on my credit score by the following : I do not get credit for recent monthly payments Account does not provide an accurate current balance I am robbed of the month 's payment history which if paid on time increases my credit score.
Product: Money transfer, virtual currency, or money service

I have been prevented from making purchases through Google XXXX, through cards and the money held in the wallet. I have contacted Google 6 times to remedy the issue between XX/XX/22 - XX/XX/22. The wallet will work for a short period and then decline any attempt. 

They eventually asked for verification for identity and fraud which I provided. They sent email communication on XX/XX/22 that my account was now active again. It allowed a few low value purchases but blocked the remaining. I still have money being held in the wallet which can not be used for anything else. 

This needs to be fixed/resolved immediately. This dilutes my current investment in the apps where money is spent greatly each time I am unable to make a purchase due to overreach and negligence after providing all documentation requested to " prevent fraud ''.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I dont know if I was taken advantage of or not. I had my house with them, my vehicle and my XXXX  and my checking and saving. They just charged me {$25.00} for each XXXX  I closed our. I thought that was odd. Also my checking and savings was with them for years
Product: Debt collection

Ars account resolution Account balance XXXX I tried contacting to ask for written proof on what they are saying is my balance with anything that has my signature and any other information that can explain and show me. I have never signed any hippa papers or anything of that sort
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 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 than seven years.

15 U.S.C. 1681-2 ( 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.