23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company by the name of   XXXX   XXXX   XXXX   contacted me on  XX/XX/XXXX  stating that they were collecting a debt fo r US B ank. The amount they were requesting was {$250.00} with interest of {$270.00} totaling {$530.00}.  <P/> However, I know this issue was sastified on  XX/XX/XXXX  directly with  US Ban k. I personally contacted  US B ank, and was informed that they have no record of any outstanding debt with me.  <P/> Please be aware of such a scam. The person that attempted to collect this debt is with   XXXX   XXXX   XXXX   Her name is  XXXX   XXXX  and her phone number is  XXXX .
Product: Debt collection

This alarm company that I signed a contract with was XXXX and XXXX was never a company I was in contract with The home was sold I called multiple times provided all the documentation to the original creditor they asked me to sign a new contract for my new home and told them I wasn't interested because getting ahold of them took an act of God. Attached above is the address of the property on XXXX XXXX that had the alarm system installed in it that again was broken multiple window magnets not communicating with the front panel making the system useless. 



I couldn't get anybody out to repair the current system that was inoperable for at least six months they told me if I could get the new buyer to sign a contract for this system I wouldn't be liable. 



I told him the home was sold and that the alarm services were no longer needed. 

plus during the process of the company monitronics you couldn't reach anybody no matter how many times you called. 

If you went on their website the XXXX number would just re-route you. 

I tried filing complaints sending through emails never got a response. 



I've made multiple service calls because there were multiple windows sensors broken no one ever returned my call/ They must have went about went out of business and sold the contract to XXXX which I never had a contract with to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( XXXX, Transunion, XXXX ) due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to XXXX, XXXX, Mortgages because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from XXXX. The credit report showed credit inquiries that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please remove this inquires listed below from my account : * XXXX XXXX -- XXXX XXXX * XXXX  XXXX -- XX/XX/2023 * XXXX XX/XX/2023 I, also, received a letter stating that I applied for a XXXX on XX/XX/2023. I checked my credit and it shows that I have an inquiry on my Experian report. Please remove the follow inquiry from my credit report : * XXXX XXXX -- XX/XX/2023 Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 
If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court. 
Finally, under Sec. 609 Discloser to consumer ( 15U. S. C 1681g ) ( A ) Information file ; source : report recipients : every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) ( 16811h ), clearly and accurately disclose to the consumer.

( 1 ) All information in the consumers file at the time of the request except thatA ) If the consumer to whom the file relates request that the first XXXX digits of the social security number ( or similar identification ) of the consumer not be included in the discloser and the consumer reporting agency has receive appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such discloser, and ( B ) Nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit score or any risk scores or predictors relating to the consumer.

( 2 ) The source of the information : except that the source of information acquired solely for use in preparing an investigation consumer report and actually use for no other purpose need not be disclose. Provide, that in the event an action is brought under this title, such shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

Kind Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I've been a victim of identity theft. I have noticed some inaccurate and fraudulent accounts on my credit report that I did not benefit from. According to 15 USC 1681 ( e ) B, this is a law for accuracy that the credit reporting agencies MUST verify in order to report any accounts to my credit. All information sold to the debt collectors and chargeoff accounts which appear on my credit, are indeed fraudulent and did not have my consent to have my information. My car loan was originally opened for $ XXXX, and accrued to $ XXXX when I was affected by XXXX. It has not been fully repossessed, as the XXXX insurance company still has not even paid the loan company the amount of my XXXX insurance. Also, I never authorized for a first financial credit line account to be opened in my name. I need these fraudulent, inaccurate accounts removed immediately. I will provide my identity theft report, my proof of address, my driver 's license ID, and proof that I was impacted by XXXX, which was after the time of when I got the car and fell behind on payments. My balance should not be $ XXXX, and when I called today, they stated I owed up to $ XXXX which would not be accurate either. 
XXXX AND XXXX REMOVED THESE ACCOUNTS, BUT STILL DECIDED TO ADD THEM BACK.
Product: Credit reporting or other personal consumer reports

On the day of XX/XX/year>, I submitted a complaint, ID number XXXX XXXX about XXXX account XXXX to the CFPB about inaccuracies on my Experian credit report and Experian has taken more then 30 days to respond back to me. The FCRA requires that credit reporting agencies must investigate disputes related to the accuracy of information on a credit report within 30 days of receiving a dispute. This is outlined in Section 611 of the FCRA, Procedures in case of disputed accuracy. On the CFPB site under my account it is still reporting the dispute as being open, so whatever was disputed must be deleted and if Experian says that they sent me a letter stating the dispute was closed tell them to prove it. I want proof that the dispute was closed within 30 days because I didnt receive any letter. If I disputed with the CFPB it must be closed with the CFPB. Also this account has been discharged by the IRS by filing a 1099c form so please remove it from my credit report. The copy of the form is uploaded with the attachments. Thank you.
Product: Mortgage

We closed the house on XXXX XXXX 2017. Please find attached closing documents file. We were approved with 3.9 % conventional loan but up to the last moment and keep changing techniques by loan officer- final loan interest rate charge/set is 5.37 % which is out of range as per regulation Z at that time frame. They also charged bunch of fees unnecessarily.
I asked government agency to file a complain against this company and US bank ( Mortgage Services III, LLC NMLSR ID # XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) and Usbank.com who accepted and servicing this loan.
Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate discrimination and fraud for mortgage.
Please have them set our mortgage terms to 3.9 % and conditions and pay them damage cost and refund. If we refinance it will cost us extra {$5000.00} more.
We look forward for your help in this regard. You can asks our credit report to this officer and they can provides details about this loan.
We called US bank and other refinance agency/bank and they were surprised when we say this is a conventional mortgage rate we have. They said there is no way they can do this because regulation Z is prohibiting them to doing thisXXXX XXXX XXXX XXXX
Product: Credit card

This is part-2 of my Initial complaint for this credit card 'FIRST PROGRESS '. This is a secured credit card, meaning I had to fund this credit card with my own money when I first opened it over 5 years ago. This has helped me build my credit score to good standing. But it seems every 1-2 months something is going on with my account and either needs further investigating or causes a scenario where I can not use the card, nor pay my bill. 

And what does this do to a regular consumer like myself? - Well, when roadblocks are setup to hinder me from using this card or paying it off ( I pay 100 % every month ) and they continue to report this type of activity to the credit bureaus every month I get hit with negative points, this causes less of a credit score, shows misrepresentations of me actually paying my bill, and alters the activity on the card itself. 

I am only using the card every month, then paying it off at the end. Like you are supposed to. 

I am now receiving a random letter from no-where that is saying they need a copy of my bank statement to confirm the bank I am using to pay this card every month. While my whole account is on 'HOLD ' where i can not pay or use the card. My complaint is that I have never switched what bank I pay off this card with every month. Nothing has changed, and now I am receiving a letter that is threatening in nature and says if I don't come up with this they will close my account? This makes no sense. 

I have already previously verified and sent in bank statements that prove this is my other bank account a long time ago when I first signed up for the card, then when I added more funds to the card years ago to increase my limit ( again, my own money ). All of these delays and tactics are very disheartening and I can not believe I am the only one dealing with this company in the manner that I have. They have hung up on me, when I drill them for an answer on why this or that is happening on my account. All to never give me a solid answer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW XXXXXXXX XXXX XXXXXXXX Federal Trade Commission XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Credit Bureaus for Inaccurate Reporting Dear Sir/Madam , I am writing to formally file a complaint against the three major credit bureausXXXX XXXXXXXX, and TransUnionfor reporting inaccurate information on my consumer credit report. 

As outlined in 15 U.S. Code 1681, the accuracy and fairness of credit reporting are crucial not only for the integrity of the banking system but also for consumer confidence. Inaccurate credit reports can lead to significant adverse consequences for consumers, including denial of credit, higher interest rates, and damage to their reputation. 

Despite my efforts to rectify the inaccuracies reported by these agencies, they have failed to investigate my claims thoroughly or provide adequate responses. This not only violates my rights as a consumer but also undermines the essential function of credit reporting agencies as described in the Congressional findings.Im attaching a copy of my Credit Card Statement for documentation showing when my credit card company reports to the credit bureaus, and you can clearly see the violation. 

I request your assistance in investigating this matter and ensuring that the credit bureaus adhere to their legal obligations to maintain accurate and fair reporting practices. I would appreciate any guidance you can provide on the next steps I should take. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$44000.00} XXXX XX/XX/year> XXXX AUTO XX/XX/year>
Product: Debt collection

The debt collector somehow got a hold of a few people I know such as a close friend and family member and told them about my debt in detail and threatens that I am in big trouble. There are XXXX representatives who have called and made the threats and gave out my personal information. XXXX is XXXX and XXXX is the other. XXXX was very rude and made threats to my mother and my close friend when we spoke to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to PHH Mortgage services and XXXX on many different occasions and get no response from them. In Accordance with the Fair Credit Reporting act PHH Mortgage 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 sates a consumer reporting agency can not furnish an account without my written Instructions.

15 U.S.C 166B : A Creditor may not treat a payment on a Mortgage account under an open end consumer credit plan as a late payment for any purpose.
Product: Debt collection

A fraudulent account with XXXX XXXX  was opened in my name. I never initiated or have ever had an account with XXXX XXXX. Subsequently, the unpaid account was sent to Enhanced Recovery Company , LLC who has been attempting to collect on the unpaid account. 

XXXX XXXX will not be able to furnish proof that I ever initiated the opening of any account with their company, including any signed documents in my name permitting them to begin service. I have never inquired about starting service either in writing or by using their website. 

Again, any account in my name through XXXX XXXX was opened fraudulently. 


The collection amount is {$300.00}.
Product: Mortgage

1. Due to local revaluation above lender recalculated my escrow payment component, increasing my total payment by {$240.00} to $ XXXX, effective with the payment due XX/XX/XXXX. I don't recall receiving the required notice by email but am not complaining on that basis. ____________ XXXX. Unaware of this, I automatically paid my historic balance a few days early. ( this was improperly applied to Additional Principal ) I received payment reminder calls saying my bill had not been paid. On XXXX I spoke with a phone representative and paid the missing {$240.00} and was told both would be applied to my monthly payment. 
____________ XXXX. Despite that payment being taken that day, it was not applied to my bill, and the online account reflected that I still needed to pay another {$240.00}, which I did alongside my regular payment. 
____________ XXXX. Due to the errors in Para. 2 and 3, a late fee of {$4.00} was incorrectly applied to my account. 
____________ XXXX I paid my XXXX bill a few days early in the updated, full amount, bringing my account more than current over the XXXX months since the monthly payment changed. Despite this, my bill reflected Incorrectly that I still owed over XXXX in past due bills. 
____________ XXXX. I spoke with an agent by chat on XX/XX/XXXX. They noted that payments would be applied to principal if made before the " due date '' of the first of the month unless they changed their system. They agreed to change my assignment defaults and recharacterize the old payments to correct the issue. However, that resolution was not processed on all of the payments as discussed ____________ XXXX. As of now, following the second customer service interaction to correctly characterize payments of the past 75 days, my XX/XX/XXXX payment is listed as Additional Principal, my XXXX payment is listed as " unapplied funds ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax because my credit report was showing foreclosure that has been on there for 5 years and I did in " Lieu of Deed '' to avoid bankruptcy of a 2nd home bought for my sons. I contacted Equifax because this should have been on my credit report as in Lieu of Deed. After disputing this, they then drop my score by 20 points because of this investigation. I tried to talking to people with Equifax and can only talk to Foreigners that I could barely understand and they could not understand me and didn't care. I have called several times and still could not talk to one American person that I could actually explain my problem to. They don't care!!!!! 

This is unfair. I pay my bills as required and that is stated on my credit report and now my credit score drops 20 points because of a dispute. I need to know who can help me and that can actually understand me and that I can understand as well. I need help now.
Product: Credit card or prepaid card

I reported a lost card they said it would be close and I would receive a new card well while all that is right they never closed my lost card account and sont got my funds from the card and I dispute it and they never gave me my provisional credit like it stated I would receive if they were not done in ten business days
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015, my son, XXXX XXXX XXXX, asked me to co-sign his lease with XXXX XXXX XXXX, which I did. After this 12 month lease EXPIRED, my son signed a NEW LEASE. He did not ask me to co-sign on this NEW, 12 month lease. As a result of situations which I am not aware of, my son, XXXX XXXX XXXX, moved out and early terminated his lease with this company. If he does owe money for moving out before his 12 month lease was concluded, then that financial obligation is not mine. Now, it appears XXXX XXXX, purchased this/his debt, I did not CO-SIGN as responsible for the debt my son incurred with his 2nd lease with XXXX XXXX. I feel EXPERIAN and XXXX  did not OBTAIN certified or LEGAL documents from XXXX proving I CO-SIGNED for this debt, and continually inform ME, without proper documentation and a competent thorough investigation that the debt is valid. I do not owe XXXX $ XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$61000.00} XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account number XXXX is reporting a late payment on my credit report from XX/XX/2020 this is in accurate information and violate my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Product: Credit reporting or other personal consumer reports

I have obtained copies of all three of my credit reports from each bureau. I have noticed an unauthorized and negative collection account on my reports. This same creditor has been reporting to the reports & has sold it to another lender. I know NOTHING about this account! This is a violation of my rights as a consumer!!! How can this one creditor have the authority to report with different lenders/collection companies on the same debt? These remarks listed on my reports have been DETRIMENTAL to my LIFE AND OVERALL CREDIT HEALTH.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Theses actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

The amount in questions has been paid. Charge created from a Tenant. In accordance with the fair credit reporting act, the list of accounts below has violated my federal protective. Consumer rights to privacy and confidentiality under 15 USC 1681. Account name ( s ) : XXXX XXXX XXXXXXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy. 15 US C1681, section 604 A Section 2 : States a consumer reporting agency, can not furnish the account with them out 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that information is accurate.