23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Experian on XX/XX/XXXX on XXXX XXXX, Account # XXXX. They stated it was verified and updated but they didnt actually verify it. There has been no date of status since XX/XX/XXXX which means the account was never investigated. This is a violation of FCRA and FDCPA and it needs to be deleted immediately!
Product: Vehicle loan or lease

My information was exposed in a data breach, a lot of attempts were made, cards opened, and passwords were changed, I need help
Product: Credit reporting or other personal consumer reports

, My personal information was compromised during the XXXX data of breach and a credit card account was opened in my name. I reported to the collection company LVNV Funding LLC reference number XXXX that brought the account from XXXX XXXX XXXX  account # XXXX that this account didnt belong to me and to stop reporting it on my credit report. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX  account number ending in XXXX and then sold to LVNV Funding reference # XXXX XX/XX/year>. This account have resulted in a fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all XXXX bureaus : XXXX, XXXX, and XXXX ) XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  and sold to LVNV Funding LLC under the reference number XXXX with a balance of {$540.00} ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? Please remove from credit report I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a previous case with you regarding the same bank my complaint is with now. Bank of America never returned my money to me. They sent me a letter stating they sent the money to the IRS and I had to contact them about it. The letter has no name or number for me to contact. I found a phone number for the IRS on the Internet. I called and spoke with someone there but they said they did not receive anything from Bank of America. Ive made several calls back to the Bank of America contact person but I have received no response. I just want them to return my money!! This should be against the law what they are doing!!! Can you help me? The contact person I reached out to is XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, I bought XXXX vehicles and a house. The following inquiries need to be removed from my credit report as I never applied to these companies for loans. 

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 Consumer Portfolio Service I need these inquiries removed from my credit report ASAP. 

Thanks!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issues I am experiencing with Equifax regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information, and as of the current date, I have not received a response. The details of the inaccuracies and the required corrections are as follows : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$690.00} ) : The following account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$740.00} ) : The following account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$22000.00} ) : The following account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX ( Date Opened : XX/XX/XXXX, Balance : {$320.00} ) : I require that you verify the accuracy of the account identified as XXXX The reported balance of {$320.00} is inaccurate, and the Past Due amount should not be presented as the account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. Additionally, I request verification of the Date Opened, Date of Status, and First Reported. 


XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$420.00} ) : The following account is not mine. Please remove it from my credit report.
Product: Mortgage

Filed for Mortgage Modification with US Bank. 

First application XX/XX/XXXX, after several paperwork sent and wrong processing they denied the modification. 

XX/XX/XXXX sent modification appeal, they took 3 months and came back and said that they did not have all paperwork, purposely delaying the process. 

XX/XX/XXXX new modification sent. 

XX/XX/XXXX they apparently approved it and my payment from XXXX was modified to XXXX as a trial plan for three months. 

XX/XX/XXXX asked processor several times how this payment was going down? lower APR? or how was the payment going down, they will not give me this information and said that I will find out once I receive the permanent one. 

XX/XX/XXXX received the new statement and escrow review, the new payment was XXXX same amount as the proposed modification, so in reality the modification was the same payment as the new payment for XX/XX/XXXX. 

Called to check on this and the processor said that the XXXX could go down since if the APR is modified and the new escrow review, etc could help. 

Today I received the permanent modification after 7 months of paper work, emails, calls. They raised my APR from XXXX to XXXX. They also extended 25 years to 30 years and charged me XXXX for capitalization. 

How is this modification helping me? when a customer applies for modification is because they are having issues making a payment, and the bank will come back to raise the years for payment and the APR??? 

Please investigate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/year> Experian : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Correction to my personal information Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

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

I applied for a loan with Security Finance in XX/XX/2018, in which I fell behind on payments. Since I have not applied for any credit or submitted any applications, nor have I gave them permission and the company has had 7 hard inquiries on my credit report. According to the FCRA : Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose to do so. If someone pulls your credit report for an impermissible purpose, then it may be a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify TransUnion and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. These listed creditors must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report { insert creditor } to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding { insert creditor } accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately. This is now multiple attempts to fix this matter privately. I will now seek legal Counsil under 15 USC 1681n and 15 USC 1681o.
Product: Money transfer, virtual currency, or money service

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

To make a long story shorter, Citi has been charging us late payment fees since like the first month we opened the XXXX account. We asked them to change to due date to the middle of the month. They haven't changed the due date and continue to charge us late fees. I have never come across a company so pathetic with their fees! EVER! We want ALL late fees credited to us or not be surprised when I stop paying them altogether. I will simply stop paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the accounts listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX : Account # XXXX, XXXX XXXX : Account XXXX, XXXX. XXXX XXXX : Account XXXX, XXXX & XXXX XXXX XXXX Account # XXXX,
Product: Mortgage

A proposed modification agreement offered is not acceptable to us as terms and conditions are not in accordance with the government 's guidelines and parameters in modifying loans. Clauses and terms are vaque and entail more financial troubles forus in the future. Proposal offered was retroactively dated 2014.
Product: Vehicle loan or lease

On XX/XX/XXXX - I purchased a XXXX XXXX XXXX and financed it through Bay Country Finance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$13000.00} for a term of XXXX  years with a monthly payment of {$330.00} beginning XX/XX/XXXX with an interest rate of 17.67 %. 

On XX/XX/XXXX - Due to hardship, I went to Bay Country Finance to request a Personal Loan for {$1000.00} and was told I needed collateral. I gave them title to my XXXX XXXX XXXX valued at about {$300.00}. Bay Country Finance would not give me a Personal Loan but rolled it into my auto loan with the XXXX XXXX XXXX. 

The new loan then became {$16000.00} for a term of XXXX  years with a new monthly payment of {$430.00} beginning XX/XX/XXXX with an interest rate of 17.67 %. This was an additional {$96.00} per month for XXXX  years. I should not have made this mistake, but I was under stress at the time. 

After realizing my mistake and unable to continue the payments, I went to Bay Country Finance on XXXX, XX/XX/XXXX to inform them that I was unable to afford the loan and to negotiate with them. I wanted to return the XXXX XXXX XXXX and negotiate an amount for XXXX XXXX XXXX now valued at approximately {$150.00}. Bay Country Finance informed me that they would not separate or change the loan. They stated that, if I returned the XXXX XXXX XXXX, it would be auctioned off and the balance of my loan would be my responsibility in order to keep the XXXX XXXX XXXX which could be more than the actual value. 

I would like to keep the XXXX XXXX XXXX and pay them a reasonable amount.
Product: Student loan

Hello, I made an agreement with Navient where I would make monthly payments of {$250.00} a month. I was told by Navient that my interest would be reduced to .001 % and no interest would be accrued on the account as long as I make my monthly payments on time. I have made my payments on time since XXXX 2015. I have bank statements and confirmations from Navient as proof. However, Navient is reporting to the Credit Bureaus that my account is delinquent and that I have not made any payments. This is not fair as I have worked very hard to uphold my part of the new payment terms.
Product: Checking or savings account

I made a mobile deposit on XX/XX/22 of {$1200.00} from XXXX XXXX XXXX to Citibank. Citibank put an 8 day hold on the deposit claiming they had information of a fraudulent deposit. No one at the bank or the phone number listed on the Notice of the Hold could explain or give me a reason. They had no evidence of any fraud. Because of their action, my rent check bounced and I was charged {$35.00} in late fees, etc.
Product: Mortgage

am not a lawyer, but I can attempt to provide some general information. If a mortgage company fails to maintain an accurate loan origination date, it may potentially violate several sections of the XXXX XXXX of Georgia XXXX ( XXXX. ). However, to determine the specific parts of the O.C.G.A. that might be violated, it is essential to consult with a qualified attorney who can assess your situation in detail and provide precise legal advice. Here are some potential O.C.G.A. sections that XXXX be relevant : O.C.G.A. XXXX ( XXXX and False Swearing ) : This section addresses false statements or representations made knowingly, with the intent to defraud. 

O.C.G.A. XXXX et seq. ( Georgia XXXX XXXX Practices XXXX ) : This act governs deceptive trade practices and unfair business practices in Georgia, which could include misleading borrowers about loan origination dates. 

O.C.G.A. XXXX ( False Advertising ) : This section pertains to deceptive or misleading advertising practices, which XXXX apply if the mortgage company advertises loan terms inaccurately. 

O.C.G.A. XXXX ( False Statements in XXXX ) : This statute prohibits false, deceptive, or misleading statements in connection with the advertisement of consumer goods or services. 

O.C.G.A. XXXX ( Violation of Title ) : This section establishes that violating the Georgia XXXX XXXX Practices Act is considered a violation of Title XXXX of the O.C.G.A. 

O.C.G.A. XXXX ( Power of Sale Foreclosure ) : This statute deals with foreclosure procedures in Georgia. If the mortgage company uses an inaccurate loan origination date as part of the foreclosure process, it may potentially violate this section. 

O.C.G.A. XXXX ( Deed of Trust Foreclosure ) : This section is specific to deeds of trust, which are used as security instruments for loans. Violations of this section could be relevant if the mortgage company 's actions involve deeds of trust.
Product: Debt collection

This company called my place of business and threatened to have me served with papers to appear in court for a debt from XX/XX/2014for {$1600.00}. I called them immediately and they stated I had to sign documents and agree to settle a past debt or I would be subpoenaed at work. I checked my credit reports and this debt is not on any of the reports. They are aggressive and threatening. I can not find them on the internet and they seem to be fraudulent. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

ability recovery services has opened charges previously diemissed by credit bureau
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverifiedinformation without providing any proof within the period allowed by law. The followingaccounts need to investigate and correct from erroneous reporting in my file are listed onmy credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

I had taken a loan out of XXXX. This was advertised as an installment loan. They required XXXX in payment every two weeks. This did get to be to much every month. They sent it to a collection agency and did not include payments that had been made setting it back to the original amount with interest of XXXX. A garnishment order was placed for this amount. I did pay XXXX directly to Lift and they did not provide that when they sent it off to be collected on. A garnishment has come through for the XXXX. I requested a court date which was approved by the judge based on the amount being incorrect. I reached out to Lift to see if they could get me a breakdown of what was paid and how it was applied to my loan. They are unwilling to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was removed from my credit report and then added back on.
Product: Credit reporting or other personal consumer reports

I am submitting to bring to your attention a matter of utmost importance concerning the accuracy and precision of my account record. The information currently associated with my account, particularly in reference to XXXX XXXX  with a balance owed of {$900.00}, is adversely impacting my credit report. I kindly request that you ensure the verifiability and appropriateness of this specific information, insisting upon its 100 % accuracy.
Product: Prepaid card

I signed up for Revolut to use while I travel to the XXXX, I was charged before I even used the card a member fee XXXX then I upgraded my card and was charged another XXXX and charged XXXX to upgrade. Being double charged XXXX was not disclosed when I upgraded the card. In addition it was not disclosed when I signed up for the card that a fee was to be incurred for every deposit of money along with the wait time. The card issuer intentionally overcharges US customers while providing European customer none of these transactions fees. I disclosure of the terms was not sent via email or when I received the card. When I wanted to close the account the vendor advised they would charge me XXXX just to close the account although I had not used the account at all. All of these fees are charged ( XXXX USD ) without XXXX aka XXXX XXXX  providing any service to its members in the US. This lender should not be allowed to do business in the US since they are not transparent in their fee based system and overall this card is not for US consumers and is marketed in appropriately since the benefit the card provides is less than equal to debit or credit cards issued in the US and is a scam against US consumers to have this issuer/bank promote their services in the US when they benefit by charging fees unrelated to use of the card services.