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

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian Information Solution Inc credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  - XXXX - {$390.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - {$1400.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX & XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$370.00} XXXX XXXX XXXX XXXX - {$330.00} XXXX XXXX XXXX XXXX {$700.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$530.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$380.00} XXXX - XXXX - {$720.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 FTC Report Number : 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.
Product: Credit reporting or other personal consumer reports

I am writing this letter to dispute the validity of a collection account that has been reported on my consumer credit report. This collection pertains to an alleged debt with the original creditor XXXX XXXX XXXX and the account details are as follows : Account Number : XXXX I dispute any debt your company claims to have on me. You must stop all collection activities. Do not call my telephone number. If you were ever given permission to call this telephone number ( which i know I haven't given said permission ) I am revoking that now! I request a copy of the XXXX XXXX XXXX that outlines the terms and conditions under which my account was acquired by your agency. This agreement should include any provisions regarding the sale or transfer of the portfolio of loans acquired also including my alleged account and must be signed and dated. 

Considering recent actions by the Consumer Financial Protection Bureau ( CFPB ) against similar violations, it is apparent that non-compliance could lead to severe legal and financial consequences. The CFPB has been active in addressing unlawful practices within the financial sector, and I believe they would take a keen interest in investigating whether your companys practices comply with federal regulations. This could potentially uncover systemic issues similar to those resulting in significant penalties for other institutions.
Product: Checking or savings account

Good XXXX, On XX/XX/XXXX, I initiated a XXXX transfer of {$830.00}. This was a Thursday. As of that date, my existing balance was approximately {$850.00}. On XX/XX/XXXX-Friday-, I wrote my landlord a check for {$1600.00}, the amount of the rent. He deposited it into his own account immediately. I checked XXXX and received the message that the {$830.00} would be in my account by the beginning of the business day on XX/XX/XXXX, a Monday. This, in my understanding, is, to Friday, the next business day. On XX/XX/XXXX, my birthday, I attempted to make a transaction, only to find that I was nearly {$900.00} overdrawn. Before work on Monday, XX/XX/XXXX at XXXX XXXX, I used a Citibank ATM to deposit {$350.00} in personal checks. I was issued a receipt that reflected the XXXX transfer of {$830.00}, the check for {$1600.00} clearing, and a positive balance in my account. On XX/XX/XXXX I received an e-mail stating I had insufficient funds to clear the check for {$1600.00}. I disregarded this because I had the receipt from Monday XX/XX/XXXX at XXXX XXXX reflecting a balance consistent with a processed check. On XX/XX/XXXX, I checked my account balance and found that it was quite high. In reviewing my account details, I could see that the check for {$1600.00} was returned to me on XX/XX/XXXX. This was showing up as happening after the XXXX and the personal checks were deposited. In addition, I was charged a fee. I immediately called Citibank. From there, after XXXX minutes of verbal sparring, I was connected to a supervisor who informed me that had I called Citibank on Monday XX/XX/XXXX before XXXX, the check would not have been returned. My issue is this : if the funds were available by XXXX the next business day XX/XX/XXXX, which per the representative I spoke to is Citibank 's own policy, why would I need to call to tell them I want a check I wrote to be processed? Of course I do. Further, why did I have to have an experience like this prior to being informed of this policy? Of course I would have called before XXXX on XX/XX/XXXX to tell them I want the check processed, even though that 's a ridiculous policy. This was so frustrating and I was n't able to get a clear answer. The supervisor, XXXX, I spoke to, was n't able to really help me analyze this experience. I did receive a pitch for overdraft protection. I will not be enrolling. This strikes me as at least unfair, and possibly illegal. Is there anything I can do? I am able to provide the XX/XX/XXXX receipt, my online bank statements, statement from XXXX etc to support this. I asked the Citibank representative XXXX to send me an e-mail with the information he was telling me in it for my records, but I have not yet received such an e-mail. Thank you so much in advance, XXXX
Product: Credit reporting or other personal consumer reports

I have not received sufficient verification or proof of the accuracy of this account as required under the Fair Credit Reporting Act ( FCRA ).

As previously mentioned, this account contains inaccurate, unverifiable, and incomplete information. Per FCRA Section 623 ( a ) ( 6 ), furnishers must ensure that the data they report is accurate and up to date. Furthermore, under FCRA Section 605B, I provided clear grounds for the removal of this information due to its unverifiable nature.
Product: Mortgage

USAA forced me to lock in my mortgage rate by giving me inaccurate information. I had provided USAA with all of my income information, including both of my jobs, upon applying for my mortgage loan in XXXX. Both my Loan Officer, XXXX XXXX, and my Mortgage Processor, XXXX XXXX, had overlooked this information until XX/XX/XXXX when, while reviewing my income information over the phone, my secondary income with the City of XXXX, was not included. When I brought this to their attention, they asked to me to provide my W-2 's for the past two years, my most recent pay stubs, and to provide contact information for the Human Resource Office for my secondary job. I provided all of this information on the same day, XX/XX/year>. 

Upon confirming with my realtor our desired closing date of XX/XX/year>, XXXX XXXX stated that he would verify my employment with the City of XXXX on XX/XX/year>. I was advised by XXXX XXXX that in order to complete the loan package in time, I must lock in my loan rate no later than XX/XX/year>. This date was provided because XXXX XXXX stated that the loan review process took 7 business days to complete, and the XX/XX/XXXX holiday would not count towards the 7 days. 

On XXXX XXXX, at XXXX XXXX  XXXX XXXX sent me an email stating that the final review of my loan application would have to be delayed until XX/XX/year>, since the Human Resource Officer at the City of XXXX would be on leave until XX/XX/XXXX. I had just locked in my loan rate with XXXX XXXX around XXXX on XX/XX/XXXX. Had this information been provided sooner, I would not have locked in my interest rate. This lack of coordination is now costing me, my family, and the seller unnecessary financial strain. We may even lose this home because of this incident. 

Once I was notified of this delay, I requested that my rate lock be removed immediately. XXXX XXXX stated that he could not do this. 

The Duty and Integrity exhibited by our Veterans should also be emulated by the USAA employees who serve them. This level of service is very discouraging and unexpected from USAA as I have been a member with them for nearly 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously asked for an investigation as this company is not providing information that is accurate. This company is reporting that this account is paid in full a payment and I'm asking if this is true can they provide proof of paid in full. This company can not provide me with proof because this account is in litigation with a balance and this company is providing information that's not factual data on my credit file.
Product: Credit reporting or other personal consumer reports

XXXX has several accounts of my credit report that have been charged off/closed/paid. Since I was never provided with a 1099c tax form showing how these cases were handled, there is no way of disputing the accuracy of the balance owed regarding said accounts, which remain on my credit report.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a tXXXX XXXX XXXX  with XXXX XXXX. Although I've been making on time payments and dropped my usage significantly on my account, they have no reported any of it to the credit bureaus. The high usage is no longer correct and is affecting my score when I'm trying to get approval for a home loan. It's been over 4 months since the last time the updated my account. I won't get any clear answers from the bank
Product: Credit card or prepaid card

Rude customer service. When I called to try and resolve problem which I suspected fraudulent, I wasnt even in their system
Product: Debt collection

Bonneville Collection stated they called when they didnt and left voicemails which they did not and they stated they sent a letter on the XXXX of XXXX after a missed payment of XXXX $ on a debt that was down to about XXXX $ at the time of the XXXX of XXXX which was never received they then filed with the courts on the XXXX of XXXX. Because of a filing fee and lawyer its now XXXX . When I noticed I hadnt had the money taken out they stated that legal proceedings were already being taken and were quite rude. They said they could serve me at work and wanted to know where I worked and when I made more payment arrangements with the lawyer started calling me at work.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Charge Off
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account is not mine. 
In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Product: Debt collection

CNAC representatives say I owe over {$9000.00} to them for a vehicle I have not had for 8 Months now and even with showing physical letters that were sent to me by them with dates, and also submitting Disputes it remains on my Credit and has stopped me from getting another Vehicle from anyone else, I have been without a vehicle for over 8 months and my Credit took a Huge hit from this Debt that I have Proof I owe them {$0.00}.
Product: Mortgage

Seterus, Inc was my loan servicer. They have been paid in full as of Monday and are holding an overage of aproximately {$120000.00}. Seterus, Inc is still not reporting they paid in full status, continues to ask for a payment and claims the full payment is " pending '' and will not give a concise answer regarding the money due me. The home was destroyed due to a fire, I am a single parent, and can not rebuild without the insurance money they are not releasing.
Product: Payday loan, title loan, or personal loan

The company name is XXXX with the website XXXX appears in my credit report as Duvera. The interest rate is 151.97 %. From the {$1000.00} dollars I owed when I bought the dog in XX/XX/2018, I owe approximately {$980.00} though I have paid always on time with an autoplay plan every two weeks all this time for {$65.00} each payment. This means that a total of XXXX has been paid until today. But I still owe about the same. 
I went to buy a dog at XXXX XXXX. A mixed breed dog. I saw this place which offered financing and went in. My family was waiting for me and they made me wait at the store for almost 2 hours stating others where filling the paperwork for financing. When I finally got to do the financing, I was just hurrying to leave. My family needed to eat and I was 30 minutes away from home. I signed out the paperwork in a rush and did not realized how high the interest was. I was just in a hurry to get out of there and trusted no one would commit usury in our state since it is unlawful. When I got to the time where there's no more no interest charges, I realized my debt had gone back to the beginning balance and I think even higher. then I call and ask the interest fees at which point I find out it was 50 %. My credit is not as bad as to deserve this ridiculous amount of monthly interest. I called and asked to talk to someone who could lower my interest and advised them this is unlawful. The person said there's nothing they can do since I signed for that. There where two different loans offered by the seller and she pushed this one. She filled out something in front of me where I could see she was getting a gift card. It seems like they pushed this loan in order to gain the gift card. That was fishy and I asked about the gist card. She said it was some competition they had related to the loans and sales. I do not deserve this usury high interest. It is against the law in out state. Florida Usury Laws Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. Loans with an interest rate between 25.01 percent and 45 percent are criminally usurious misdemeanors, while a rate above 45 percent is punishable as a third-degree felony. The challenge with avoiding a potentially usurious transaction lies in the intricacies found in the agreement, the characterization of the various fees reflected in the agreement, and, in some instances, the determination of whether the agreement is intended as the acquisition of an equity interest in the venture or the issuance of a debt obligation.This company thinks that a persons signature protects them when braking the law. I did not resigned my lawful right to be treated equally and to charged according to our state 's laws.
Product: Mortgage

I submitted one payment to The Money Source https : //www.tmscustomer.com/ Website on XX/XX/XXXX. Normally I did get an email confirmation. I logged into my account XXXX onXX/XX/XXXXand did not see any transaction log for my payment. I called up and spoke with someone and informed me to make another payment. She did not see either payments in her records. She said she would call me back to cancel one. Later that day I get two confirmation of payments. 
XXXX for {$3000.00} XXXX for {$3000.00} I called later that day on XX/XX/XXXX and spoke with agent XXXX and he said he would try to cancel one payment. 
I had to borrow money to cover the second {$3000.00}, just in case the transaction does go through, since I would be charge by my bank for not having enough and also TMS would also charge me for submitting a transaction and not having enough funds. 
I log in to day XX/XX/18 and no updates on transaction and payment. This is very bad service and I have not gotten an update or email explaining what happened and why my mortgage account was not credited already.
Product: Credit reporting or other personal consumer reports

I have an XXXX Credit Card which is now XXXX XXXX. They report my balance and payments to the credit bureaus on the XXXX of each month. They have already reported my credit balance as being XXXX on XX/XX/XXXX. I had a XXXX balance. I have been using my card and plan to pay it off again before my bill is due and before they report it for XXXX. Today, I got an alert from XXXX and Equifax that the company reported my credit card balance use today again and it has brought my credit score down. Why are they reporting my usage of the card during the middle of the month. I did not think that a company can report to a bureau twice a month. This is very unfair and should be against the law. This needs to be changed with all 3 bureau. I am attaching a copy of the equifax report to show an example. They have done this with the other credit reporting agencies also,
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act Convergent Accounts BP/Visa Account # XXXXXXXX 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 an account without my wrritten instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that my personal identifiers information be updated to the correct information. My first and last name is XXXX XXXX there should not be any other name on my reports. Please remove and delete them and allow my information to be updated with the correct info.
Product: Debt collection

Will not dispute or close accounts. Due to XXXX still not willing to resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO GET 3 SPECIFIC ACCOUNTS THAT WERE PAID AND SATISFIED TO REFLECT THAT ON MY CREDIT REPORT. THESE 3 ACCOUNTS STILL SHOW AS UNPAID CHARGE OFF 'S. THE 3 ACCOUNTS ARE AS FOLLOWS : COMENITY BANK / XXXX COMENITY BANK / XXXX COMENITYBANK / XXXX  XXXX XXXX  I HAVE SENT MULTIPLE DISPUTES TO XXXX, XXXX  AND XXXX  AND HAVE INCLUDED THE PAY OFF LETTERS FOR EACH OF THE PAID ACCOUNTS AND THEY WILL NOT UPDATE MY CREDIT REPORT TO SHOW THAT THESE ACCOUNTS HAVE BEEN SATISFIED. I EVEN CALLED COMENITY BANK DIRECTLY AND THEY TOLD ME THEY COULD NOT GIVE ME A PAID LETTER OR UPDATE MY CREDIT, AND THAT IT HAD TO BE DONE BY THE COLLECTION AGENCY. I HAVE DONE THIS TO NO AVAIL, PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with XXXX XXXX XXXX that is reporting four late payments in month XX/XX/2022 through XX/XX/2022. I am requesting these four late payments be changed to fix because the reporting of these late payments are not supposed to appear on a consumers report. According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681 s-2. This is unlawful and my four late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.
Product: Money transfer, virtual currency, or money service

XX/XX/23 & XX/XX/23 with PayPal. I occurred {$24.00} through XXXX and they sent this amount to PayPal for me to receive. I have tried several times to get them to mail me the funds. Not much, {$24.00} but still mine. First they asked for verification of my address, which they had on file. I said Yes please send to the address you have on file. Then the next day, there asking for my Bank information to send/ mail me a check. Then they say to call there csr dept XXXX, and you don't get a live person, the automated system asks for your social security number, which they should not even have. All this for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX US Department of Edu , & XXXX XXXX are duplicated accounts. Duplication of same accounts is against the rules. The actual account belong to me has been rehabilitated and should reflect paid as agreed without delinquent history. 

XXXX XXXX this is not my accounts.