23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj, XXXX XXXX Account Number begining with XXXX ConsumerFinancialProtectionBureau ( XXXX  ) CFPB Address - po box XXXX XXXX, IA XXXX Subject : Formal Complaint and Dispute Regarding Inaccurate Credit Reporting and Unlawful Collection XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint and dispute regarding inaccurate, misleading, and unlawful information present on my credit report. I am requesting your immediate intervention to investigate these matters and ensure the removal of all associated negative items, as well as the return of any down payments or payments made. 

Credit Acceptance Corp ( Account ) : I dispute the accuracy and validity of this account as it appears on my credit report. 

Grounds for Dispute and Request for XXXX : I assert that the inclusion and reporting of these accounts violate several provisions of both federal and state law, including but not limited to : XXXX U.S.C. XXXX ( XXXX XXXX ) : I believe my nonpublic personal information has been shared with affiliates, violating my privacy. 

XXXX XXXX. XXXX ( Fair Credit Reporting Act - Definitions ) : I contend that some or all of the information being reported does not meet the definition of " consumer report information '' and is therefore being reported unlawfully. 

XXXX XXXX. XXXX ( Fair Credit Reporting Act - Permissible Purposes of Consumer Reports ) : I contend that there is no permissible purpose for these entities to obtain and report my consumer report. 

XXXX XXXX. XXXX ( Truth in Lending Act ) : I believe that these accounts have violated the Truth in Lending Act Fair Credit Reporting Act Section XXXX : Because the creditor did not fulfill all obligations under this act. 

Any Other Laws : I also invoke any other applicable federal, state, or local laws and regulations that XXXX protect my rights as a consumer. 

Request for XXXX and XXXX XXXX : I respectfully request that the CFPB : XXXX a thorough investigation into the practices of the above-mentioned creditors and collection agencies. 

Demand the immediate removal of all negative and inaccurate information related to these accounts from my credit report. 

Compel the creditors to cease all collection activity related to these disputed debts. 

Ensure the return of any down payments or payments made to these entities due to the aforementioned violations. 


Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a credit card with capital one. i had it since XXXX they sent me a new credit car and I went to renew it. on the site I saw another credit card. closed but with a balance on it. this was a credit card I paid off long ago. and had a {$0.00} balance. they charged me a {$39.00} member fee/ that i never approved and have been collecting a late fee since XX/XX/XXXX. I noticed today XX/XX/XXXX. they have reported me late 120 days and have tripled the amount owed for the {$39.00} fee for a total of {$130.00} and dropped my credit score to XXXX. 
for 10 years I have never been late on this card. how can they do this to my credit rating after all this time. I have contacted them with no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
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  The fraudulent information has impacted my credit report, causing considerable psychological stress. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly. Please inform me of any actions required on my part in response to this dispute. I am aware of my rights under federal laws relating to credit reporting and identity theft. Failure to act in accordance with legal obligations will force me to get an attorney.
Product: Credit card or prepaid card

Dear Sir/Madam, We traveled overseas in the mid of XXXX and were stuck due there for almost two weeks due to our flights being cancelled by the airline as a result of COVID-19 Pandemic. Our initial returning flights were cancelled by the airline on XX/XX/2020 as a result I contacted our travel issuing company which was AMEX Travel but they refused to accommodate us on the next available flight back home and wanted to charge us all kinds of fees such as fare difference fees, flight cancellation fees, etc. Which I never agreed to pay because we did not make any changes to our itinerary and our flights were cancelled by the airline. So, we ended up purchasing brand new tickets to return back home to XXXX  XXXX on XXXX. XXXX, 2020 for a approx. cost of % XXXX and we purchased travel insurance just for the piece of mind through AMEX travel insurance. That flight ended up getting cancelled as well by the Airline and once again contacted AMEX Travel and they refused to accommodate this cancellation as well. As soon as I learned about our flight cancellation I contacted AMEX travel insurance and told them that our flight was cancelled by the airline therefore, we would like to cancel our travel insurance policy and would like to get refunded for the amount of approx. {$180.00}, and they refused to do so stating that its too late to cancel our insurance policy. I was frustrated at that moment because we purchased a travel insurance for tickets that were nullified by the airline but for some reason they still want to charge us money for it. Therefore, as a last resort I decided to dispute this transaction with AMEX customer service but now they are saying as well that I have to pay for the insurance because policy was consumed, not sure how this policy was consumed when our flights ended up getting cancelled and we returned home using the U.S Government Chartered flight. We are helpless at point because we are being forced to pay for some services that were never used and were nullified by the airline. 
Please find attached supporting documents showing that our tickets were cancelled by the airline and we ended up returning home using U.S Government Chartered flight.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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: Checking or savings account

In XXXX I signed up for a direct deposit checking account and bill pay and savings account through Citibank. From XXXX to XX/XX/XXXX I was charged a service fee of {$25.00}. 

XX/XX/XXXX, I went into the bank to order checks for my checking account so that I could pay my landlord so that the bank could track withdrawals for rent from this account. 

At that time, I asked the teller what the service fees were for. He looked at my account and told me that since I had the aforementioned bank package that I should not have been charged this service fee and that I should speak to the branch manager. I did so.

The bank manager reviewed my account and determined that I had, in fact, had been charged in error and returned one month 's of service charges back to my account. During the conversation, I informed him that these charges had ensued from XXXX until now. He asked me why I didn't bring this to their attention previously. I told him that I didn't know I was being incorrectly charged until I was told that day. He informed me that I should write to Citibank and gave me the address to lodge a complaint and request the funds be returned to my account. Later, I calculated mischarges of 101 months to be in the amount of {$2500.00} and I wrote two letters to Citibank Client Care, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I received two letters from them, XX/XX/XXXX and XX/XX/XXXX stating they investigated my claim and a note, " Please be advised that your request for the reversal of the fees are not honored. '' I have copies of my letters and their 2 letters to me to upload for your consideration.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX 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 XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : 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
Product: Student loan

XXXX XXXX gave me extremely high rates on my XXXX loans from XXXX. When I graduated in XXXX, I asked them if it was possible to lower my rates. I was told I could only put them into forebearance, and was never alerted to any income-driven repayment plans. 

This was done via multiple phone calls in XXXX. I want to document this, as there is an outstanding lawsuit against XXXX XXXX Navient XXXX and I was a victim of their unfair practices, resulting in thousands of dollars of additional interest and fees.
Product: Debt collection

I received a piece of postal mail saying that I owed an amount to XXXX XXXX XXXX that was now in collections. 

I emailed them to dispute this. They said they could either mail me proof or email it to me. I opted for email so that we could take care of it as quickly as possible. However, the form that was sent to me would have made me responsible for this debt just by signing it. I refused to enter into any agreement with them. 

They said that they would contact the original debtor and let me know of the results. I have not heard back from them, but I did notice that a collection has been added to my credit report today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am credit invisible and get denied many times when applying for credit or loans. According to Transunion, I have no accounts reported. Also, there have been inquiries by some of the companies with which I currently have loans. These same companies are currently and have been reporting that information to other credit bureaus for years. I can see from the latest credit report that companies that have inquired about my credit history from Transunion get no information. This I believe results in a denial of my credit or my loan application due to the fact that they can not review my credit history. I have previously asked for my information to be corrected and updated but that was years ago and I do not have the information as to when I submitted that request. I am tired and just wanted to be treated fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS.
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to them back in XXXX and XXXX and basically just brushed off and told that I had to pay it to get it removed. But its not my account to pay I have made several disputes to no avail.
Product: Credit card or prepaid card

B of A made an offer for consumer rewards if I took out credit cards with them. As soon as I was approved they told me they were closing my account and were not granting the consumer points or credit they offered. I paid off the credit cards and now their sending statements that I have a balance for which they will charge interest. When I called B of A there Personnel were unable to tell me when or why they closed my account or how they were calculating a credit balance despite my having already paid it off. Their customer service representatives sent me to their credit collections where the person treated me like I owed them money.

I paid off all balances and was denied the consumer rewards offered when I opened the two cards This is consumer fraud And B of A is not answering my inquiries, rather they are treating me like I am a debtor
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DPEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Payday loan, title loan, or personal loan

I apply for XXXX loan from Bank of America, but Bank of America doesnt email loan documents to me, I call Bank of America many times tell I dont have receive email, I double check my email address with Bank of America, but I never received loan documents, so I dont sign document, I dont have get money, Bank of America Officer is rudely, always tell me dont know why, hang out my phone,
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over thirty days and the creditor has not updated the information, nor has provided proof or documentation in regards to a late payment. They have not supplied this information. And they must delete the alleged payments on my credit reports. Under Federal law they had thirty days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.
Product: Credit reporting or other personal consumer reports

When I went through my credit profile XXXX seen inquiries that do not belong to me.
Product: Checking or savings account

For over a year, JP Morgan Chase Bank, NA has been holding 90 % + of my customer deposits claiming concerns that the check might be returned or not paid by the issuing bank. I am typically depositing checks from large financial institutions ( XXXX, Chase, XXXX XXXX, etc. ). I have never had an issue with any check ever being rejected or returned by the issuing bank. Most recently, on XX/XX/2023, I deposited a cashier 's check that was issued by XXXX, and Chase told me that they can not release the funds until the 7-day waiting period has passed. The purpose of a cashier 's check is to provide confidence to me ( and my bank ) that the funds are good. They are unwilling to consider and uncooperative about releasing these funds.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request verification of a late payment entry on my credit report related to my account with XXXX XXXX. Upon reviewing my credit report, I discovered this inaccurate information, and I am deeply concerned about its impact on my creditworthiness.This information is a late payment being reported on my credit report for the months of XX/XX/year> Firstly, I request detailed verification of how this late payment was verified, as mandated by the Fair Credit Reporting Act ( FCRA ). Pursuant to FCRA 611 ( a ) ( 7 ), I demand that you provide me with the method used to verify the late payment, the entity that provided the information, the date of verification, and any supporting documentation or evidence used to justify its accuracy. 

Furthermore, I assert that any information added to my credit report without my written consent violates my rights under the FCRA. FCRA 604 requires that consumer reporting agencies obtain permission before reporting any information about an individual 's creditworthiness. As such, the addition of this late payment without my explicit consent constitutes a violation of my rights. 

Moreover, I want to highlight the illegality of reporting late payments without proper verification and validation. FCRA 607 requires that information reported by credit bureaus be accurate and complete. Additionally, FCRA 623 ( a ) ( 1 ) ( C ) mandates that information furnishers, such as XXXX XXXX, have a duty to provide accurate and complete information to credit reporting agencies. Therefore, any failure to verify the accuracy of late payments before reporting them is a violation of these provisions. 

Furthermore, I want to draw your attention to the potential violations of the Fair Debt Collection Practices Act ( FDCPA ). If this late payment was a result of debt collection efforts, it must comply with the FDCPA, which prohibits unfair, deceptive, and abusive debt collection practices. 

In light of the above violations of federal laws and regulations, I demand that you conduct a thorough investigation into this matter and provide me with a written explanation of the verification process used for the late payment on my account with XXXX XXXX. 

Failure to comply with the FCRA and other relevant laws and regulations, and address my concerns promptly, may result in further legal action. 

Thank you for your attention to this matter. I expect a prompt and thorough response. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2023 I received two letters from my mortgage company, Rocket Mortgage. The first letter ( attached ), " Lender Placed Activity Canceled Letter '' informed me that I had provided adequate proof of flood insurance for my garage. The second letter ( attached ), " Lender Placed Flood Gap First Letter '' informed me that my flood insurance on my garage was deficient by {$150000.00}. I currently have {$100000.00} of flood insurance on the garage and it has an assessed value of {$58000.00} per public record. In addition, my remaining principal for this property is {$77000.00}. When I contacted Rocket Mortgage - I had a 34 minute phone call - most of which was on hold. Ultimately, I was informed that a " specialist '' would be contacting me within the next 24 hours to resolve this issue. 

My insurance is no longer in escrow due to the incompetence of my previous mortage company ( see previous CFPB complaint ). In that instance, the mortgage broker was within 24 hours of letting my flood insurance laps. Now that my mortgage has been sold to Rocket, I have been subject to predatory practices with Rocket attempting to define my insurance as inadequate so they can sell me their own policy and make a profit at my expense. On a previous occassion, Rocket attempted to " upsell '' sell me more expensive homeowner 's insurance that I did not need. In this most recent instance as outlined above, that pattern continues. I have insurance that is more than adequate, yet Rocket continues to attempt to force me into purchasing their own insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Compliance Verification and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the XXXX Credit Reporting Agencies ( CRAs ) and Automated Credit Dispute Verification ( ACDV ). 
The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. 
As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA ) for non- compliance reporting of items on my credit report. I request this item be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 DSNB BLOOM XXXX XXXX XXXX XXXX XXXX. We have disputed this account. 


Thanks!