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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX XXXX XXXX > Balance XXXX XXXX XXXXXXXX XXXX  > Balance {$6000.00}
Product: Debt collection

I received 14 calls in one week. The call at XXXX XXXX on Saturday was the last straw. They also called while I was in another state attending a funeral. I do NOT have an account with them. I requested them to stop calling me four times and they continued to call. Finally I was told they were calling for XXXX XXXX. I do not know this person. Again I asked them to stop calling and they continued so I called them after ten minutes I got a Supervisor XXXX from Symphony Bank XXXX XXXX XXXX XXXX Ohio. That was all the information they gave me. They kept asking for my Social Security Number I refused to give it to them. They called from XXXX then instructed to call XXXX. They deserve some National Do Not call training and a hefty fine. I would appreciate your. I have been on the Do not call registry for years and checked to make sure I was still on there.
Product: Credit card or prepaid card

On XX/XX/2022 I have set up Discover to be a primary form of payment on my XXXX ( XXXX  ) account. According to the recent offer all XXXX transactions are pre-set to Discover as form of payment. However two transactions were not processed through Discover : XX/XX/2022 Payment to XXXX XXXX for {$450.00} XX/XX/2022 Payment to XXXX for {$100.00} The resulting loss of the bonus is {$27.00}. When I brought this issue to XXXX I was told that the Discover was responsible for not accepting these transactions so they went to the alternative form of payment : XXXX and the checking account. 
When I brought this issue to the Discover Card supervisor I was told that since these transactions do not show on its rejected transaction screen the issue is not their to address. She was not even interested in looking at the issue and even reviewing the data ( below ) since she told me she's neither authorized or equipped to deal with issue such as this. 
XXXX I find this way of thinking appalling. The DiscoverXXXX  offer has been a offered to me ( supposedly in good faith ) so it should be a responsibility of these two companies to address them instead of hanging the customer high and dry. I think Discover marketing should also get involved here as if for whatever reason the XXXX is a culprit why then it is lying to customers while automatically denying the benefit to the customers? 
Screenshots : 1 ) The XXXX account set to Discover as automatic payment. 
2 ) The XXXX transaction made to checking account instead 3 ) XXXX transaction made to XXXX instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

There is a lost of income since XX/XX/2017 ; I communicated this to ocwens as well submitted filed separation agreement. Every single reply from Ocwen is a denial letter with the same wording. 
I ask several time for a note of transferred lender from XXXX to XXXX XXXXXXXX, the sent me documents that has nothing to do with the document requested. 
Requested to verify who is the mortgage lender of my house-no document. 
Let Ocwen know of the intention and XXXX to keep my house, but they keep sending me a balance to restore my mortgage ( right now XXXX which includes legal fees ). I am willing to work something to keep my house. 
I has ask for them to reply my email or to call me- there is no reply. 

I am in a really great need of any help!!!!
Product: Mortgage

Im writing about a dispute the following charge from Caliber Homes Homes. 

XX/XX/2022, Caliber Home Loans Inc {$600.00} I was charged {$600.00} for this appraisal but was given an unfair home appraisal. Ive attached documentation of attempts to dispute the appraisal and repeatedly denied by the Caliber Homes Mortgage Company. The value they gave me does not coincide with what I could get for it and many homes sold in the area at the time. I corresponded with Caliber between the months of XX/XX/2022 and XX/XX/ 2022 to dispute their appraisal as quite wrong and it seemed like they were just wanting to get my XXXX to deny me a refinance. Additionally, I feel like there was some discrimination here as its common for appraisers to appraise less for XXXX and XXXX neighborhoods. This neighborhood is primarily XXXX and XXXX. I sent them 9 homes that sold in the area for more than what they appraised my home in the last six months. 9 homes is a big comparable difference in XXXXXXXX. They appraised my home at under XXXX, this is not even the amount of sales that happened in the last six months. 
I refuse to pay for discriminatory practices and XXXX XXXX XXXX would not dispute the transaction for me anymore. My dispute process has been left to file a complaint for discriminatory appraisal practices.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 XXXX XXXX XXXX. 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 to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Checking or savings account

I contacted Bank of America about an old business account getting charged maintenance fees and there has been no activity on the account. I contacted them about the issue and they refused to refund the fees despite telling them that we only kept the account open to move merchants to the new business account we opened with them.
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL AUTHORIZED INQUIRIES THAT WAS NOT AUTHORIZED BY ME. I HAVE TRY CONTACTING THE CREDIT BUREAUS FOR ASSISTANCE BUT NOTHING COULD BE DONE. I AM IN THE PROCESS OF TRYING TO PURCHASE A HOME AND I WAS TOLD THAT I HAD TO MANY INQUIRIES THAT I WAS AWARE OF. I HAVE SUBMIT AN FTC REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding XXXX, Equifax, and XXXX, the major credit reporting agencies in the United States. It has come to my attention that these agencies are not deleting accounts after the statute of limitation for reporting debt has passed, which is a clear violation of the Fair Credit Reporting Act. 

What is even more concerning is that these agencies are purposely not reporting the whole payment history to avoid deleting accounts. This is completely unfair to consumers and it is unacceptable that they are being penalized for the credit reporting agency 's own negligence. 

Furthermore, when requesting a dispute for the statute of limitation, XXXX, Equifax, and XXXX have decided to place the full responsibility of the removal of accounts on the furnisher of the information reported. This is an unfair and unreasonable expectation to place on consumers who have no control over the information provided to the credit reporting agencies. 

I have personally spoken with representatives from XXXX, Equifax, and XXXX and have been instructed to dispute all accounts with the furnisher, and they would decide if the information would be deleted or not. This is unacceptable as these agencies should be conducting their own fair and reasonable investigation into these matters. 

I urge you to take action against XXXX, Equifax, and XXXX for their actions, and to ensure that they comply with the Fair Credit Reporting Act. Consumers deserve to have accurate and fair reporting of their credit history, and it is clear that these agencies are failing to provide this. 

Thank you for your attention to this matter. 

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

SOMEONE USED MY IDENTITY TO OPEN FRAUDULENTACCOUNTS WITH MY NAME, SOCIAL SECURITY NUMBER THESE ACCOUNTS LISTED DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

My credit report shows late payments that seem incorrect based on my typical payment patterns. Kindly correct these mistakes. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Unknown : XXXX XXXX XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened two of my accounts with Chase in early XX/XX/2017 of which remained open for a duration of about 5 months. In late XX/XX/XXXXboth of my Chase cards were closed without warning. In those 5 months that the accounts where open, I have been an excellent paying consumer. In fact I made payments weeks before the due dates of which nothing was due at the time. All efforts on my end went unappreciated when in early XX/XX/XXXX I received a notice from Chase stating that they were closing my accounts basically just because they can. This is poor treatment of a good consumer who pays well before time. At this point, I am very upset with Chase because this is unfair treatment of a consumer. This case was also reported with the XXXX.
Product: Credit reporting or other personal consumer reports

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely. 
accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the XXXX of XXXX, XXXX, I opened a checking account with Huntington Bank with a check from XXXX XXXX  in the amount of {$110000.00}. XXXX XXXX  records show that XXXX XXXX  completed that transaction THAT VERY DAY! 

Huntington Bank did not release the hold on that account for XXXX DAYS, XXXX day past THEIR " standard '' holding period of XXXX days, of which I was never informed when opening the account, and XXXX day BEFORE I received a USPS letter informing me for the first time that a five day hold would be imposed.on that deposit. 

Previously, I had traNsferred that same exact amount from XXXX XXXX XXXX XXXX to my account at XXXX XXXX  ; that deposit transaction was IMMEDIATELY accepted and available. 

When I called Huntington bank on XXXX, XX/XX/XXXX, AT XXXX XXXX  IN THE XXXX, on a business day, I was greeted with a RECORDED MESSAGE saying they were too busy to answer the phone. 

Then XXXX inserted a note in my XXXX calendar in my computer. AS A VICTIM OF BOTH A RANSOMWARE ATTACK AND IDENTITY THEFT, I AM FURIOUS.ABOUT THIS INTRUSION. 

WHAT COMPETENT, PROFESSIONAL FINANCIAL ORGANIZATION DOES BUSINESS LIKE THIS?
Product: Credit reporting or other personal consumer reports

I asked Transunion to make sure my credit report was accurate on a dispute over XXXX XXXX XXXX XXXX. They got back to me saying " VERIFIED AS ACCURATE ''. That is false. 

the account was PAID AND CLOSED AND PAID AS AGREED. It was CLOSED on XX/XX/XXXX. However, Transunion neglected to " verify '' the entire listing on the account and it is still showing LATE PAYMENTS ON A CLOSED ACCOUNT dating AFTER the closing. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is reporting payment information on a closed account and this is falsifying the data. I asked them to make sure the whole thing was right but they failed to do that and then responded in writing " VERIFIED AS ACCURATE ''. 

I demand now that this account be deleted from my credit file and confirmed back as such in writing including my ACCURATELY updated credit Transunion report. To ensure Transuion can verify who I AM, and complete this demand pursuant to the FCRA XXXX findings, I've gone ahead and included a copy of my drivers license, a utility bill, and XXXX to validate identity and soc ssec #. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Vehicle loan or lease

I am writing to address a critical issue regarding my lease with Ally Bank for my XXXX  XXXX XXXX 3. I began the lease in XXXX, making an initial payment of {$13000.00} at signing, and have since fulfilled every monthly payment on time. 

Unfortunately, due to an unforeseen family emergency, I must now relocate permanently to another country. Given these circumstances, I reached out to Ally Bank to discuss transferring my lease to another individual for the remainder of the term. I was informed that this option was not permitted, and instead, I would need to pay a {$4000.00} termination fee to end the lease early. 

Due to the nature of my emergency and financial constraints, I am unable to pay this fee. I respectfully requested a hardship waiver, which was denied. Given my consistent payment record, I believe that a hardship waiver or, alternatively, a lease transfer, would be a fair solution in a case like mine, where financial hardship has arisen from unavoidable circumstances. 

Additionally, my lease states, If you paid a security deposit, we will use it at lease end to pay anything you owe under this lease and do not pay. We will not pay you interest on the security deposit. We will not add to the security deposit any proceeds, money, or funds we receive from the security deposit. After lease end, we will give back any part of the security deposit that remains. Despite this, when I inquired about my options, no one mentioned the return of my security deposit. Instead, I was told that I would lose the deposit entirely and would still be required to pay the termination fee, leaving me without any benefit from the security deposit. 

Furthermore, I understand that the value of my leased vehicle has appreciated by over {$2000.00} since I began the lease. This increase in value adds to my belief that Ally Bank could fairly make an exception in this case, considering both the equity in the vehicle and my history as a responsible customer. 

Given these terms and circumstances, I believe it would be fair and reasonable to apply any remaining security deposit toward the outstanding fees, should a waiver not be possible. I trust that my timely payment history and loyalty as a customer will be taken into consideration, and I appreciate your attention to my request. 

Thank you for your understanding. I hope for a compassionate resolution that acknowledges my circumstances and my commitment as a customer.
Product: Debt collection

They continue to call and do not owe debt. They will not give me their companies information or my account #.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies in my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these accounts to ensure accuracy. 

I am particularly concerned about the following accounts, which I request be verified as accurate : XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX
Product: Checking or savings account

On XX/XX/2020 I went to Associated Bank located at : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, MN XXXX, to open up a checking account. I met with XXXX XXXX, Certified Relationship Banker 2. I was informed by Mrs. XXXX she couldnt open up a checking account for me because I had adverse information on my XXXX XXXX Consumer Report. I contacted XXXX XXXX on XX/XX/2020 right after I left the bank and inquired about the adverse information on my XXXX XXXX Consumer Report. XXXX XXXX informed me there was no adverse or negative information on my consumer report. I am XXXX-American ( XXXX ) and i was discriminated against by Associated Bank based on my race. Associated Bank had no reason to deny opening up a checking account for me. Mrs. XXXX lied to me and discriminated against me because I was XXXX. That was racist and wrong of her to do. Associated Bank is engaging in discriminatory practices based on an individuals race.
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. My credit report contains a significant number of unauthorized requests, as well as erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number XXXX XXXXXXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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. 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 or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX, OH XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX