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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX  TX XXXX, XXXX XXXXBalance : {$0.00}, XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$550.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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.
Product: Checking or savings account

my online banking account service for citibank access blocked since 5 days ago i tried to call them more than 12h they did not give answer they did not respect customer rights any way they keeping me one phone call more than 60 minute every time then go without answering or even apologize i go branch XXXX in California myself giving them my ID to solve the problem but nothing my name is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit file and enclosed is an account list under XXXX XXXX  for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, {$2000.00} and BANKRUPTCY CH.XXXX  - PETITION FIELD for {$0.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, {$2000.00} and BANKRUPTCY CH.XXXX - PETITION FIELD for {$0.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect this negative event to be removed. Please communicate your intentions in writing. 
Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have been disputing inaccurate information with XXXX, XXXX and Transunion on the following accounts with the following details : XXXX XXXX XXXX High balance Date of last activity Date opened Date of last payment Closed date XXXX XXXX XXXX High balance Date opened Date of last payment Closed date Date of last activity XXXX XXXX. XXXX Date opened High balance Date of last payment Date of last activity Closed date All three bureaus claimed they verified the information is accurate, but one look at my attached credit report shows several inaccuracies regarding these items still exist.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accuracy.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshave violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Experian Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


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

Hi XXXX / how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1692 ( e ) congress proposed laws to prevent abusive and deceptive debt collection activities, SELF INC. LEAD BANK has conducted themselves inappropriately and illegally by assuming the role of original creditor when in fact they are nothing more than debt collectors according to 15 USC 1692 ( 6 ). By furnishing account XXXX under SELF INC.LEAD/BANK, they have been assuming the role and responsibility as original creditor when I am in fact the true original creditor of this account according to 15 USC 1692a ( 4 ) as my personal private information was exclusively extended to create this consumer credit transaction which in turn opened this account. In addition, according to 15 USC 1692e ( 9 ) SELF INC.LEAD/BANK is in direct violation by distributing and using written communication that created a false impression as to the source or authorization of who the original creditor is, as they demonstrate on my consumer report included in this complaint. I have always reserved my right to privacy as per the Privacy Act Of 1974 therefore my personal information should not be furnished under any circumstances unless authorized by the original creditor which is me. Consumer credit reporting is voluntary not mandatory, when we examine 15 USC 6821a ( 2 ), this law states It shall be a violation for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution. SELF INC. LEAD BANK presented a false and deceptive representation of themselves on my consumer report by paying a fee to each consumer reporting agency to report themselves as my original creditor. Too add, SELF INC. LEAD BANK has violated federal code 15 USC 6802, by not issuing the required full disclosure materials to me which allows me to exercise my right to opt out of them reporting any personal private information on my consumer report at any time. When SELF INC. LEAD BANK furnished my private information to all three consumer reporting agencies without written instructions by me, that amounted to identity theft and is a federal violation. SELF INC. LEAD BANK as a debt collector has been acting in the capacity as my creditor and has casually furnished data on my consumer report for over a year at their own discretion, the CFPB strictly prohibits abusive and deceptive behavior such as this. Ive been violated behind SELF INC. LEAD BANKS actions. Please see my attached affidavit which outlines additional violations committed by SELF INC. LEAD BANK. I have included an invoice as remedy for damages sustained at the hands of SELF INC. LEAD BANKS deceptive practices in the event they fail to respond to my affidavit and this complaint in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent  certified letters with signature required to credit reporting agency Equifax, received and signed for on   XX/XX/XXXX     @   XXXX  . This was for request of validation of said debt. Company response was " This item has been updated to report satisfied/released. '' Company did not mark disputed on reports according to Federal Law FCRA  623  ( A ) ( C ).
Product: Mortgage

I have a mortgage that was assigned to Specialized Loan Servicing, LLC in XXXX or so. I just received my yearly escrow analysis. They indicated I have a shortage of {$1000.00}. MY taxes have been relatively stable for the last few years, only increasing about {$50.00} per year. Total taxes are around {$6000.00}. Insurance is not escrowed, I pay it direct. In XXXX, Connecticut, taxes are due XX/XX/XXXX and XX/XX/XXXX. Really, due by the end of each of those months. 

On the escrow analysis, it would appear the are performing a " pre-accrual '' in violation of CFR 1024.17. They have the taxes being deducted in XXXX rather than XXXX, and thus are artificially creating a negative balance in the account. Payments are roughly {$500.00} per month, so obviously deducting a payment two months early creates a {$1000.00} deficit. Under my understanding, this is a clear problem under the regulation above. 

Prior analysis ( XXXX and XXXX are provided ) were always done with taxes coming out in XXXX and XXXX, and there was never a problem ( or if there was a shortage, it was about {$20.00} for the year ). 

They have not taken my call. I sat on hold and they programmed an automatic callback that never comes.
Product: Mortgage

The mortgage company, United Wholesale mortgage, failed to pay on tax bill even though I have an escrow account with them and there's enough fund in the escrow to cover the tax bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report on XX/XX/2020, I discovered that there is an inaccuracy with the credit bureaus. I have filed a report with the federal bureau and the company. It has not been removed.
Product: Debt collection

i have reported this company with the other two credit bureaus and have spoke to all three over the phone stating that i have never lived at this address that keeps only coming back on XXXX and its hurting my credit score bad. I have verified that i was indeed in indentity fruad or some one has stolen my information on the internet. I have never ever in my life have had serives like this under my name due to me living with my mother or family and this debt keep coming back and i dont know why if in fact i reported on this website this very company about a year or so ago. Please help me get rid of this. I can prove by going to the secretary of state of illnois and have my addresses pulled up.
Product: Payday loan, title loan, personal loan, or advance loan

Was attempting to have solar installed by XXXX who uses Mosaic to finance. Shortly after speaking with XXXX and applying for installation I cancelled the installation sometime early last year. About 2 months ago I received a letter from Mosaic that stated account was coming due and when payments would start. I phoned Mosaic and informed them the installation had been canceled. On XX/XX/15 I received an email stating I had a delinquent account from Mosaic on credit report. I phoned Mosaic who stated the account had been canceled, yet they reported it as delinquent on my report. Mosaic also refused to remove it from my report, stating they only report once a month. The Mosaic account number is XXXX. Mosaic XXXX XXXX XXXX. XXXX. 

Any help would be appreciated, Thx XXXX
Product: Mortgage

On XX/XX/2024, I called my mortgagor, PHH Mortgage, to request a forbearance while I worked to correct an escrow deficiency caused by South Carolina incorrectly taxing me as a non-resident. This escrow deficiency caused my mortgage to increase by {$1300.00} per month, and getting the necessary tax refunds has taken longer than I wanted to. I was told by customer service during the XX/XX/XXXX that ( i ) my account would be placed in forbearance immediately to cover the XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX payments ; ( ii ) that no auto-pay payment would be taken out on XX/XX/XXXX ; and ( iii ) that I did not need to make any changes to my auto-pay account. 

All three of these items proved to be false, and on XX/XX/2024, my account was debited, including for the additional {$1300.00} escrow deficiency amount. I called the same morning and was told by customer service that my account had not been placed in a forbearance and that no effort was made to defer my XX/XX/2024 payment. I asked for a refund and was told that I would have to call back on XX/XX/XXXX after they had processed the payment to " begin the process '' of requesting a refund. I was provided with no assurances that any refund would be provided at all or when any refund may be forthcoming. 

I relied upon what I was told when I was requested a forbearance, and the XX/XX/XXXX payment caused my account to run delinquent. I have no idea how I am going to take care of my other financial obligations ( including feeding my three children ) while I wait for PHH to make a determination concerning whether or not I might get a refund. This has caused me enormous stress and to have to call other companies to ask for them to defer payments while I wait for PHH to decide whether they want to sort the issue out. Customer service thus far has been unhelpful and unsympathetic.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 
( Account name :XX/XX/XXXX # XXXX ) ( Account name : XXXXXX/XX/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 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: Credit reporting or other personal consumer reports

Got a hard inquiry on my credit report from Capital One. I did not authorize this. I did not apply for anything from Capital One or it's subsidiaries. Called them and apparently i have an account with them and credit of {$2000.00} without my knowledge or consent. They refused to close this account or do anything to repair the problem. I have not required anything from this company and I don't want anything from Capital One other than them removing this hard inquiry and close that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dealt with the co singer of the vehicle involved. He surrendered the vehicle without my knowledge! It has been on my credit for almost 13 years, its supposed to be reported for 7. Now after the investigation, theyre saying it will remain until 2020. I want it removed! Hope this time it gets handled correctly!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : I purchased a XXXX XXXX on XX/XX/XXXX However, I decided to return the vehicle shortly after, exercising my right to early termination and return as stated in the contract. I paid the necessary fees and returned the car promptly. 

The lender then canceled the loan and requested the return of the car. It appears that the dealership failed to disclose structural damage. Despite my efforts, I have been engaged in a XXXX battle with the lender, pleading with them and explaining that I never had possession of the car. Fortunately, the dealership refunded my down payment and took back the vehicle. XXXX XXXX, the lender, has already confirmed the return. 

Unfortunately, the dealership went out of business in XXXX, and I suspect they owe money to the lender. I have written numerous letters to the lender and credit bureaus, expressing my concerns and complaints, but my pleas have fallen on deaf ears. I find myself in a difficult situation and would greatly appreciate your assistance.
Product: Credit reporting or other personal consumer reports

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Credit card or prepaid card

I recently received a statement from Synchrony Bank showing a past due balance on an account I never had. Although I responded to the request for payment, I am called on my home and cell phone daily, some days I receive multiple calls. Daily negative reports are made to credit reporting agencies after Synchrony Bank acknowledged they received my response. There is a history of fraudulent on my credit cards involving Synchrony Bank and XXXX. I have prepared a detailed timeline of these events.
Product: Credit card or prepaid card

The companies I'm complaining about is CapitalOne and, probably to a greater extent, Visa. 

I made a large payment to furniture company named XXXX and XXXX In XX/XX/2021 for a chaise longue to be custom built and delivered. The chaise was set to be delivered at a time frame of roughly 16 weeks, with the rest of the payment sent at different stages throughout the process ( starting, completion and shipping, delivery ). 

As the weeks ticked on, I was informed about more and more delays. Eventually, a year passed and the company stopped responding. It turns out they'd gone bankrupt. 

I made every attempt to contact XXXX & XXXX, to no avail. Okay, I get it. Companies go bankrupt. 

My complaint is not about XXXX and XXXX, and here 's where it gets good. 

I called CapitalOne- the provider of the credit card that I used - informing them of the situation and asking if I had a case to dispute. I was informed by the representative that yes, since the merchant effectively welched on their contract that I did have a case. I was sent a very generic form and asked to send the form in. 

One month later, the dispute was denied. 

I called CapitalOne to ask why the dispute was denied - after a polite but intensely tedious run with three customer service agents, I finally made it to a manager who informed me that 'my documents had been sent off to Visa and had been denied, ' with the clause 'you only had 60 days from the statement date of the charge to file a dispute. It's past the 60 days. ' No matter how much I asked this final customer service rep, that was their final answer. 

XXXX reader, if you're paying attention, this illustrates an exploit of our financial system : Step 1 : open a company Step 2 : promise consumers a lovely product, to be delivered in 61 days from payment date. Only accept payment via Visa.

Step 3 : at 61 days, close the company, take the money, and run.

Step 4 : You win! Visa will not come after you or your bank, because you're protected by their 60 day guarantee! 

Visa appears to be saying to the world 'we protect criminals, scammers, and fraudulent merchants. All they have to do is set a delivery date past 60 days. '