23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, 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. Account name : XXXXXXXX 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 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 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. 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 want to dispute the debt because I think the amount is more than I owe. I currently have insurance and I never had a copayment or any medical payment around this amount before. I'm unsure what happened on the billing end but I should not be responsible for this amount due to me having health insurance.
Product: Checking or savings account

Capital one has had issues causing direct deposits to be delayed and held until an indefinite time. In todays world money is a necessity and here I am having to fight to figure out where my funds are and when theyre gon na be processed. Gon na suffer from disconnections and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax online dispute portal has been undergoing " maintenance '' for over a week, this i unacceptable under fair credit standards. it is a simple portal and they have an in-house IT department.
Product: Checking or savings account

Chase Bank mailed me a promotional flyer that said if I open a Chase checking account and have a direct deposit they will pay me {$200.00}. If I open a savings account and put {$15000.00} in the account for 4 months than they will pay me {$400.00}. I went into the bank branch is XXXX Florida showed the flyer to the Finance person. We went over all the information and I signed up for both of these promotions and at the end they gave me nothing. After keeping me {$15000.00} they said I do not qualify because you had a Chase account at one point in the past.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 those account 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 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: Credit card

Bank of America approved an authorization on a closed card. I cancelled my service with the company ( XXXX ) 2 months prior and I received a brand new credit card two months prior.
Product: Credit card

I am writing to formally lodge a complaint regarding the penalty fees being charged by PayPal Cashback XXXX MasterCard and PayPal Credit, both of which are backed by Synchrony Bank, in relation to late payment fees that appear to be in violation of the recently updated rules under Regulation Z ( 12 CFR Part 1026 ).

As per the final rule under Docket NoXXXX XXXX issued in 2023, the Consumer Financial Protection Bureau ( CFPB ) introduced a late fee safe harbor threshold of {$8.00} for larger card issuers, specifically those with XXXX XXXX or more open credit card accounts. The rule also specifies that this {$8.00} amount is not subject to annual adjustments based on the Consumer Price Index ( CPI ).

However, I have experienced the following issues with PayPal Cashback XXXX MasterCard and PayPal Credit : 1. Excessive Late Fees : Despite the recent changes in the rule, PayPal Cashback XXXX MasterCard and PayPal Credit have been consistently charging me a late fee of {$40.00} per incident, which significantly exceeds the {$8.00} threshold established by the CFPB for larger card issuers.

2. Violation of Regulation Z : The fees charged by PayPal Credit and PayPal Cashback XXXX MasterCard appear to be in direct violation of the CFPB 's official interpretation and final rule, as they are not compliant with the newly adopted safe harbor amount of {$8.00}. This failure to comply with the regulation harms consumers by imposing excessive financial burdens on those who may already be struggling to meet payment deadlines.

I request that the CFPB take immediate action to investigate these practices by PayPal Credit and PayPal Cashback XXXX MasterCard, both of which are backed by Synchrony Bank, and ensure they are complying with the new penalty fee limits as outlined under the final rule.
Product: Payday loan

I notice an unauthorized charge on my credit report from advance america. They claimed I took out a loan in the year XX/XX/2012. I have not taken any loans out during this year or prior. I had a bankruptcy XXXX XXXX I was paying for. This charge on my credit report is not mine. 

I can be reach at XXXX. XXXX Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX XXXX XXXX Account # XXXX Date opened - XX/XX/19
Product: Mortgage

Dear Sir or Madam Under XXXX Requests for Information, I am hereby writing to you to request specific itemized recorded information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, transactions, actions, payments, analyses and records related to the servicing of my loan of attorney fees as it relates to XXXX & XXXX. 
I am disputing the validity of the corporate advance debt you claim that is owed for attorney fees. To independently validate this debt, I need an itemized breakdown of the services performed linked to the monies disbursed ( see attachment ) XX/XX/XXXX to XX/XX/XXXX. 
I also request that you conduct your own investigation and audit of XXXX XXXX and XXXX XXXX account whether the attorney fees has been deemed reasonable based on the services rendered. I need to ensure that the attorney fees disbursed to XXXX XXXX XXXX in the amount of {$8400.00} based on the work performed is accurate to the XXXX. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account of monies disbursed or provide justifiable information or itemized breakdown of the services performed. 

I want to ensure that the fees charged were for actual services performed or rendered. As such, please treat this letter as a Request for Information under 12 CFR Part 1024 ( Regulation X ) 1024.36. A servicer must comply with the requirements of paragraph ( d ) ( 1 ) of this section : for requests for information, not later than 30 days and acknowledge receipt within five days to provide a written response acknowledging receipt of the information request.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit card

This is the third attempt to close my Paypal account. The last attempt included a mistake purchase being made on the account which I assummed was closed. If the account had been closed then this purchase would not have happened. After I made the payment to correct this mistake, I again asked that the account be closed because leaving this account open when I dont want it puts me at risk for fraud. I dont monitor it nor is it included in my anti fraud software. However it remains open after I called and sent postal letter and I keep getting emails with account balance statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a car loan. I received a letter from XXXX XXXX   stating our XXXX XXXX credit score was XXXX. 
My credit score from Sagestream LLC was XXXX. 
How can they possible have such a lower score than the other three reporting credit bureau 's? 
I do not think this was fair and I think they have a lot of errors. 
This is not a reputable credit reporting agency and I do not feel they should have consumers private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX has refused to provide proof of ownership of collections account XXXX XXXX who obtained MEDICAL records or bills from consumer XXXX XXXX. Also listing INOPERABLE addresses which now causes myself XXXX XXXX XXXX to be at a loss on obtaining credit reports and new credit. Pursuant to section Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act XXXX has either REFUSED or CAN NOT provide proof of DEBT. XXXX XXXX has provided a LEGAL lease agreement via upload on XXXX website. As the fair credit law states if not provided each CREDIT bureau is liable up to {$1000.00} per offense, they asked for response in writing which I have provided here on CFPB.com several times in past and to XXXX AND THE OTHER 2 MAJOR CREDIT BUREAUS at home addresses which are always IGNORED. Copy of my identification was already sent in the LAST round of CFPB complaints in year 2021. I will upload lease again so they can see WHERE the litigation will come from and WHERE to send the check for these major violations!
Product: Vehicle loan or lease

Dates : XX/XX/year> - present Bought a used car in XXXX, at dealership for the internet ( no haggle ) price of {$9900.00} with {$4500.00} down payment & the remaining financed. In the finance office I agreed to gap insurance product from a provider and learned that Exeter Finance would be my lien-holder for 29.99 % apr. The following days I looked over the dealership & Exeter 's contracts & found that the dealer tacked on products to the final sales price nearing just over {$3000.00}. So, I contacted the dealership & the XXXX  Atty General 's office to help get everything, including gap refunded from the dealership. Atty General got the tacked on products removed quickly, and Exeter reflected the amount owed. It took me about a month & half to get gap refunded by the dealership, but with the help of filing a small claims I was finally refunded. 
My issue is with Exeter 's Apr of 29.99 %. I learned that high of an apr is usury in XXXX, and in the state of their principle offices in XXXX. Also, their apr is closer to 30.65 %, higher than what was stated in their federal truth in lending disclosure ( TILA violation ) in their retail installment loan contract. They never revised the contract to take into account Atty General refunds with respect to the amount financed, & amount of payments. Sure, I have less months to pay, but the apr is even higher with respect to the amount of payments. I read that the 0.6 % additional apr is actually a dealer recuperable charge in XXXX XXXX Exeter Finance, LLC, class action. So, it makes sense that they do not want to revise their dealer charges. The actions I have taken is file a small claims for the remaining amount I owe. They have a delegation clause ( arbitration clause ) that is wholly groundless among usury & TILA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and a lot more inaccuracies. Ive attached XXXX, XXXX and XXXX credit reports. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given this account written permission to furnish this account on my credit report as well
Product: Mortgage

EMC violated my rights and was in violation of a XX/XX/XXXX FTC settlement which I was excluded from, and should have been compensated under as I was a customer since XX/XX/XXXX. EMC submitted a altered payment history to the United States Bankruptcy XXXX which they asserted was true. See PDF entitled Falsereportingbk court attached herein. This payment history was false and altered and did not represent what I was actually charged it was also a direct contradiction to actual mortgage statements. They led the court to believe I was charged less when in fact actual Mortgage statements clearly show I was charged more. The same interest rate can not bare XXXX separate figures. This is a crime, they knew they recreated the accounting of my history. This is a crime and had an adverse affect on the judges decision as he believed what was reported to him. EMC submitted a response to the court on XXXX/XXXX/XXXX that they also asserted this was a true and accurate accounting of my payment history See PDF XXXX XXXX again my rights were violated when EMC falsely asserted they had only been paid {$11000.00} by the trustee which was untrue, and under calculated misleading the court by {$3200.00} See actual trustee report on XXXX of XXXX showing the amount I had paid was {$14000.00}. There have been XXXX RESPA request done on my behalf by XXXX separate attorneys both enclosed stating EMC provided a history they could not understand. The same money EMC claims I owed was refunded but not calculated properly with EMC claiming my escrow history is accurate IT IS NOT all you need is a calculator see complete escrow history XXXX. Furthermore the payment history submitted to the courts omits XX/XX/XXXX and XX/XX/XXXX were over {$2000.00} was paid to them their history was not complete. see the ACTUAL document submitted to the court starting the history at XX/XX/XXXX in PDF extorresponse
Product: Credit reporting

XXXX collection accounts and XXXX inquiries was removed from my Transunion credit report. The XXXX accounts and XXXX inquiries was placed back on my account without giving me a 5 day notice that the accounts will be placed back on my credit report. XXXX of the accounts was placed back on my report under other loans with XXXX missed payment on each account. As a result of this it caused my credit score to decrease as well as my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments on Account # XXXX were made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for more than the minimum amount due each month and more than enough to satisfy any fees on the account. I was in contact with Chrysler capital through phone and chat confirming that my account was in good condition and that the issue was on their side. I also requested that an investigation be opened to find out why my account was accelerated for the full note in XXXX which was more than the agreed upon monthly minimum payment. Representatives confirmed with me that there was an issue and that the issue would be resolved and that I am current on my loan. XX/XX/XXXX was the final payment for the loan and in XX/XX/XXXX, my credit record was hit for two late payments in XX/XX/XXXX and XX/XX/XXXX. I have since disputed this multiple time with all three credit agencies. Secondly, anyone can pull my credit record now and clearly see the payment history on this account and it will show payments ( more than minimum ) received in the same months that are reporting late, how is that even possible? I made every single payment on this account including interest and fees on time from XX/XX/XXXX to XX/XX/XXXX, and I was never 30 days or more late ever. Chrysler Capital manipulated the amounts by accelerating the account for the full loan payment without prior communication and representatives fail to document disputes and / or disputes were erased and never investigated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX PAYMENT XXXX Collection/Chargeoff AMOUNT PAST DUE {$1200.00} DATE OPENED XX/XX/year> BALANCE {$1200.00} ACCOUNT TYPE Charge account CREDIT LIMIT {$300.00} HIGHEST BALANCE Never opened or applied for card. ID theft. Disputed with bank.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing this letter regarding the account numbers provided below. I do not have any such account with that company and I have tried to dispute it directly, to no avail. This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. 

XXXX XXXX XXXX XXXXXXXX This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXX - XXXX This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXX XXXX - XXXX According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX - XXXX According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!
Product: Mortgage

XXXX continued. 

WF is gaming your process. See all comments in the feedback of the complaint. 

The loan should have never been initiated and I was forced to close on the HELOC loan. 

The builder XXXX XXXX and the inhouse WF loan officer ( XXXX XXXX ) forced me to close on a property that should never have been initiated I seek mediation of the issues Pleas have WF meet in mediation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy, as well as 15 USC 1681 section 604 A section 2 states also that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a open end consumer credit plan as late for any purpose. 

Not only is it violating my rights, the balances are not accurate as of XX/XX/2023 and accounts have been paid down in XX/XX/2023 and carry either a XXXX balance or low balance. 

The following accounts are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>, I sent a letter to XXXX XXXX XXXX requesting validation of a debt they claimed to own from Commerce Bank, account ending in XXXX, as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). Despite this, XXXX proceeded with a settlement agreement through XXXX XXXX XXXX ( XXXX ) without validating the debt ownership. They accepted payments totaling {$10000.00} as of XX/XX/year>, from an escrow account I funded with XXXX specifically for the payment of validated debts. This has caused financial and procedural harm, as I am uncertain about the legitimacy of the debt ownership.