23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!
Product: Credit card

XXXX of the benefits offered by the XXXX Amex XXXX XXXX is a {$20.00} statement credit for making a reservation via XXXX then dining/charging the meal. I booked a reservation XX/XX/XXXX, dined XX/XX/XXXX and did not receive the statement credit, so I started a Chat with an Amex rep from their website to ask why it was not credited. They said you have to individually go through each of the benefits to manually enroll into each one to receive the benefits. This feels deceptive to find out that I have to go back and read the fine print that says you must manually go through each benefit to receive it vs Amex providing the statement credit when the event happens automatically - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Once I told them this felt deceptive and that I felt the need to file a complaint with the CFPB they said they would connect me with a supervisor, but that the wait time would be XXXX minutes which is ridiculous.
Product: Debt collection

Apparently this company called XXXX XXXX XXXX claims to collecting on behalf of XXXX. Their call from a Ms XXXX XXXX who claims to represent the lawyers have been persistent during working hours. I tried to negotiate but they would not provide documentation. After that she called my work place several times Tuesday XX/XX/2019 and Wednesday XX/XX/2019 and left voicemails threatening to contact payroll dept. 
I am in the process of contacting them to indicate when and where they can call me.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX of 2021 I requested for validation and additional information to validate this debt, each time documents came back to my address saying that the address was incorrect. Could not find a valid address this is the only address that's on the letters that was seen and several others but was unsure if it was related to United Auto Credit. I would like for the requested information to be sent to me to validate this debt. Please see the attached documentation below. If this debt can not be properly validated then it needs to be removed from my credit profile immediately.
Product: Checking or savings account

They charged 11 overdraft fees in a matter of days. I have gone into my local branch to request overdraft protection be removed from my account. The teller said it was done but apparently it was not done. Somehow this is my fault? They have record of it being removed from my personal account but not the business account even though the teller at the time assured me that it was removed from my business and personal account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you in good health. I am writing to bring an urgent matter to your attention regarding my consumer report. LFG Data Service Holding, LP, and LCI Bankruptcy Solutions, both third-party vendors, have reported a bankruptcy on my consumer report without providing any validation of the bankruptcy in question. Having noticed this bankruptcy claim on my report, I took immediate action and contacted the bankruptcy court for confirmation. The court clarified that they do not provide any bankruptcy information to third-party vendors. Therefore, it appears that XXXX and LCI Bankruptcy Solutions have not only inaccurately reported a bankruptcy on my consumer report but have also failed to verify this information from a reliable source before reporting. Furthermore, it is my understanding that the Fair Credit Reporting Act ( FCRA ) requires that all information reported about a consumer must be accurate, and I have the right to dispute any inaccurate information. Therefore, I formally request that the CFPB investigate this matter and ensure the removal of this inaccurate bankruptcy claim from my consumer report. Moreover, I have not granted permission to LFG Data Service Holding, LP, or LCI Bankruptcy Solutions to share or release my personal information. Their actions are a clear violation of my rights under the FCRA, which guarantees my right to privacy and control over my personal and financial data. I kindly request your immediate attention to this matter. I believe that the CFPB, with its mandate to protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law, is best positioned to help me resolve this issue. Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

IC System is trying to collect on a fraudulent debt of {$1000.00} on behalf of XXXX XXXX with a settle offer of {$520.00}. When XXXX XXXX actually owe {$2600.00} for their fraudulent acts.
Product: Credit card or prepaid card

My credit card had an unauthorized transaction on XX/XX/2022, with an amount of XXXX. I submitted a claim to dispute it but my bank denied it. The reason they used was that " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service ''. But definitely I didn't give my card to anyone and I had not been the place where the transcaiton happened. 

I think the reason may be that my card was lost XXXX months ago, and I got a replaced one with the same number. So I wonder whether the lost card still could be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Product: Student loan

I am writing in regards to an old XXXX Loan that I received in XX/XX/XXXX. This loan was transferred to Wells Fargo and from there the problems began. When I signed my contract with XXXX it stated that I had either 180 days after the time I graduated or no more than 5 1/2 years after the Disbursement date to start repaying listed in the contract. I signed the contract with XXXX in XX/XX/XXXX. Wells Fargo violated this contract by attempting to collect it in XXXX while I was still in school and under the 5 1/2 years deferment period. According to the 66 month term while in school they should have not started to try to collect until XX/XX/XXXX as that is 66 months or 5 1/2 years after disbursement. Wells Fargo was unwilling to  work with me to help get my account straight and was a nightmare to work with. They have recently charged off my account and I want them to remove the Charge off from my account as they violated their own contract by attempting to collect prior to the date specified in the contract. I am in possession of the contract that has this language in it.
Product: Credit reporting

I visit www.XXXX.com I put my info in and it time me out when I went back to get my free credit report it said i already recived my 1 free credit report and I tried to get it when it timed out with out giving it to me!!!
Product: Debt collection

i received an alert on my XXXX & XXXX credit report that a collection was added on X/X/2017. The company Enhanced Recovery Co LLC and the amount is XXXX. I have never heard of this company and have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit report. I demand this account be removed from my credit reports immediately and be given the opportunity to dispute this alleged debt.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you. 

I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pa TransUnion, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pa XXXX
Product: Debt collection

I made the mistake of co-signing a Sallie Mae student loan with my Grandson. After a miserable year of dealing with them, the loan was paid in full. 

Apparently, my granddaughter has a loan with them and my wife and I ( both in our XXXX 's ) are in no way involved with that loan. Sallie Mae has called both me and my Wife about contacting my Daughter and Granddaughter about the loan. 

If the calls are not in violation of law, they are a form of harassment and a collection practice that should not be permitted. I will not be involved in the collection of any loans that I am not a party to. Secondly, we are both on the National Do Not Call list and it seems as if these calls are a violation of that Federal Law.
Product: Credit reporting or other personal consumer reports

XXXX and Lexis/Nexus are reporting a roof repair insurance claim filed by the seller of a home I purchased on MY insurance report. 

On XX/XX/XXXX I received a copy of LexisNexis report case number XXXX on Consumer Number XXXX reporting that they had information from their partner XXXX that showed I filed an insurance claim in XX/XX/XXXX for roof damage. 

This claim lowered my insurance rating to less than desirable and affected my insurance premiums. 

The roof damage claim was filed by XXXX and XXXX XXXX the previous owners of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX- not me. 

I contacted LexisNexis following their protocols to request changes on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX via email but have not received any response or corrections.
Product: Mortgage

Racial Discrimination 12 CFR 1024.41 - Loss mitigation procedures.

Related to its Handling of loss-mitigation applications and its implementation of foreclosure protections, related to its handling of loss-mitigation applications and its implementation of foreclosure protections .... servicer receives a complete loss mitigation application more than 37 days before a foreclosure sale, then, within 30 days of receiving the complete loss mitigation application, a servicer shall : I SENT ALL THE DOCUMENTS REQUESTED BY FAY SERVICING IN THE TIME REQUIRED BY THE LAW attached file DELIVERY RECEIPT BY POST OFFICE indicating the day of delivery of the package. 
THE MANAGER OF THE ACCOUNT IN AN AGGRESSIVE WAY HE DID NOT WANT RECEIVE THE PACKAGE ACCORDING TO HIM THE INFORMATION GIVEN DID NOT HAVE THE 37 DAYS, THIS IS FALSE BECAUSE I SENDED CERTIFICATE AND THERE IS THE DAY THAT WAS DELIVERED BY THE POST OFFICE. MORE THAN 45 DAYS I HAVE THE TELEPHONE RECORDING OF HOW THIS CHARACTER TREATED ME FOR A LONG TIME AND DELIVERED ALL THE DOCUMENTS BUT FAY SERVING NEVER GAVE ME A SOLUTION. 

Here I List the RESPA Violations Committed Against Me Violation of 12 C.F.R. 1024.41 ( f ) ( 2 ) Y ( g ) 12 C.F.R. 1024.38 ( a ) and ( b ) ( 1 ) ( v ) 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ) violation of 12 C.F.R. 1024.38 ( a ) and ( b ) ( 2 ) ( iv ) 12 C.F.R. 1024.41 ( c ) ( 1 ) 12 C.F.R. 1024.41 violation of 12 C.F.R. 1024.38 ( a ) and ( b ) ( 2 ) ( v ) Under Sections 1053 and 1055 CFPA, 12 U.S.C. 5563, 5565, 12 C.F.R.1024.41 ( b ) ( 2 ) ( ii ).

12 C.F.R. 1024.41 ( c ) ( 1 ) ( ii ) 12 C.F.R. 1024.31 12 C.F.R. 1024.38 ( b ) 12 C.F.R. 1024.38 ( b ) ( 1 ) ( v ).

12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ).

12 C.F.R. 1024.38 ( a ). 14 12 12 C.F.R. 1024.38 ( b ) ( 2 ) ( iv ) 12 C.F.R 1024.38 ( a ) 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ). 52.

12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ).

12 C.F.R. 1024.41 ( f ) ( 2 ) o ( g ) Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX : {$860.00} XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

AMERICAN CORADIUS INTERNATIONAL LLC ( ACI LLC ) on behalf of XXXX XXXX XXXX  is violating my federally protected consumer rights and refuses to provide me with validation evidence pursuant to 15 USC 1692g that can validate their claim of me, XXXX XXXX, the natural person/Consumer owing them any " alleged debt. '' AMERICAN CORADIUS INTERNATIONAL LLC and XXXX XXXX XXXX  failed to prove their claim that I owe any " alleged debt '' by not providing any " documentary evidence '' of a ledger, delegation of authority, contract, agreement, or anything to stand as legitimate proof that I, the natural person/Consumer owe any alleged debts tot their company. AMERICAN CORADIUS INTERNATIONAL LLC and XXXX XXXX XXXX  is reporting of my credit creating an " adverse action '' pursuant to 15 USC 1682a ( k ) ( 1 ) and should and will be held criminally liable pursuant to 15 USC 1611 and civilly liable pursuant to 15 USC 1640. this information is damaging my reputation and damaging me both financially and mentally.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}
Product: Credit card or prepaid card

XXXX Update XXXX XXXX XXXX/XXXX/XXXX, I received a packet of information from XXXX regarding the closing of my account. All that was included was a duplicate of a letter they had sent along with a copy of the cardholders agreement. 

I have reviewed the cardholders agreement and XXXX is in violation of the agreement. 

The default clause list why the account would be considered in default and closed, this account does not match that criteria. No payments were late, I did not exceed the credit limit, I did not fail to comply with the agreement, and there were no indications that I was " unwilling or unable to pay '' my debts " on time. '' Additionally, while the cardholder agreement does state that XXXX XXXX from time to time review my credit, it does not state that any information obtained during the credit review will be used to close or otherwise default the account. 

At this time XXXX has still not attempted to make this right or abide by their own agreement. 

***Original Complaint *** I opened an account with XXXX in XXXX. I made charges to the card. On XXXX/XXXX/XXXX I checked my balance and found out that the card was closed. I called the bank to find out what happened, why the card was closed after 3 months. They said they did a periodic check on my credit and decided to revoke the card. Now, since I had opened the account, my overall credit card balances has gone down and my XXXX XXXX up. Now that they closed the card without warning, my credit took a XXXX point hit. They wo n't elaborate on what changed and they are refusing to make it right with the credit bureaus.
Product: Payday loan

I was n't able to keep up with payments on the loan ( paying full amount of money loaned to me plus {$55.00} interest bi-weekly ) and was in the process of filing bankruptcy. The loan company ran my check through which was returned non payment to them so they turned it in to the District Attorney 's office for worthless check. this check was for payment of a payday loan which should not be considered a criminal charge. I received a 10 day demand letter to pay the loan in Full {$350.00} plus {$25.00} NSF Charge plus {$120.00} statutory fee ( DA fee ) plus certification fee {$6.00} for a total of {$510.00} by DEMAND LETTER to be paid within 10 days of receipt of the letter. When the creditor submitted the application for the worthless check claim to the DA 's office they stated that they sent me a 10 day notice of payment demand via certified letter but I never received a notice from the creditor ( Island Financial ). The check should not be considered a criminal charge since it was a pay day loan and instead should be a civil charge. I have n't been given proper notice to pay the said debt with additional fees in a short period of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX XXXX account showing that there are 2 late payments ( 30 days ). This information is inaccurate and incorrect, also Ive never given permission for this info to be shared on my credit report. In accordance with the FCRA, 15 USC 1681 section 602, 604, I am a consumer and I have rights as well as the right to privacy, this is in fact a violation of my consumer rights and grounds for removal from my credit report.