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

XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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  INQUIRY XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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: Credit reporting or other personal consumer reports

I am writing to formally address a serious issue regarding my account with you, which has led to severe inaccuracies and adverse effects on my credit report. The discrepancies and mishandling of my account have not only violated my rights under the Fair Credit Reporting Act ( FCRA ) but have also caused significant damage to my credit score. 

Background : In XX/XX/year>, my account with XXXX XXXX XXXX was subjected to fraudulent activity. Despite my prompt reporting of this fraud, XXXX XXXX XXXX failed to take appropriate action to rectify the situation. Instead, the following issues have arisen : Account Lock and Payment Reporting : XXXX XXXX XXXX locked my online access, which prevented me from viewing or managing my account. 
Despite this lock, you continued to report late payments and insisted on payment, despite the fraudulent nature of the charges. 
Inaccurate Reporting : My account balance was reported inaccurately as $ XXXX, which is a significant discrepancy given my credit limit was {$500.00}. This erroneous reporting is a clear violation of my rights under the FCRA, which mandates accurate reporting of credit information. 
The fraudulent balance and late payments have resulted in a drastic drop of XXXX points in my credit score across all three major credit bureaus : Equifax, XXXX, and XXXX. 
Harassment and Collection Actions : I have been receiving daily spam calls from an automated system, which constitutes harassment. 
My account has been erroneously placed into collections, further damaging my credit profile. 
Request for Rectification : I demand that ( XXXX XXXX XXXX ) address XXXX XXXX XXXX, XXXX XXXX, Missouri Remove all inaccuracies related to the fraudulent balance and late payments from my credit reports with Equifax, XXXX, and XXXX. 
Adjust the balance to reflect the correct credit limit and remove any erroneous late payment entries. 
Restore Online Access : Reinstate my online access to my account to enable me to manage and review it appropriately.

Cease Harassment : Stop all automated and unsolicited calls related to this matter.

Cease Collection Activities : Remove any collection status associated with this account from all credit bureaus. 
Failure to address these issues promptly and adequately will leave me with no choice but to pursue legal action to protect my rights. The inaccuracies in reporting and the harassment I have endured are clear violations of my civil rights and liberties. 

Please consider this letter a formal notice and demand for corrective action. I expect a response within 15 business days of receipt of this letter. 

Thank you for your prompt attention to this urgent matter
Product: Consumer Loan

I submitted a payment online through my XXXX ACH. I was told by my bank the payment would post on or before XXXX/XXXX/2016. But instead the company Tidewater finance posted the payment on XXXX/XXXX/2016. By Tuesday XXXX/XXXX/2016 the payment should withdrawn from my account and sent the the company. However due to no fault of my own Tidewater could not locate the payment. I had to go to my bank to see if the acutally sent it which they did because they can see it drawn from my account. This took Tidewater 2-days to locate the payment and they posted to my account. The payment posted on XXXX/XXXX/2016 due to Tidewater. Which made my payment post on the XXXX day instead of the XXXX. When I contacted tidewater to change the payment date to XXXX/XXXX/2016 they said I would need to contact my bank as it was their error. This was not the case this was completely the error of Tidewater finance. I was told by Tidewater they could n't locate the payment till after XXXX which caused it to post on XXXX/XXXX/2016. That is unacceptable to me considering the payment was received in the an adequate amount of time. Tidewater should not have the liberty to post payments when they feel like it. If the payment was received on XXXX/XXXX/2016 or XXXX/XXXX/2016 before or after XXXX it should be considered received on that day. The 31-day late will have a teremendous negative impact on my credit if this issue is not resolved immediately.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT/PRINCIPAL I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report. 

Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report. 

Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against XXXX, XXXX, and Equifax, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. 

For instance, in the case of Ramirez v. TransUnion LLC ( 2020 ), XXXX faced a {$60.00} XXXX settlement for inaccurately labeling consumers as potential terrorists or drug traffickers. Similarly, Equifax settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. XXXX also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. Experian. 

I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts below, and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. 


XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Failure to comply with these demands within will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against XXXX, XXXX, and Equifax, credit reporting agencies are held accountable for violations of consumer rights. 

Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. 

Thank you for your immediate attention to this urgent matter.
Product: Debt collection

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XX/XX/2022 This is fraudulent charge. I informed the company, XXXX failed to acknowledge and remove it, XXXX did.
Product: Debt collection

I paid {$75.00} to XXXX XXXX XXXX on XX/XX/2022. This was the whole amount and I paid out of pocket. Harris and Harris debt collection have been calling me for over 8 months now saying that I owe them {$120.00} for this unpaid debt. I have contacted them and they have no information on anything. I also called XXXX XXXX  and they said I do not have any outstanding balances and I am paid everything on the day of the XXXX. They are harassing me by calling me multiple times every single day and i have told them to take me off of their call list but they keep calling me.
Product: Checking or savings account

On XX/XX/2019 Discover Bank did an ACH debit from XXXX account to my Discover Savings account for XXXX, as requested on XX/XX/2019. 

On XX/XX/2019 Discover Bank repeated this transaction. This second debit was NOT requested. 

On XX/XX/2019 Discover sent a message in my web portal. Saying that the ACH transfer was processed twice due to a processing error and they were working to reverse the transaction. 

I called Discover and XXXX on this day and was told by Discover that a credit would appear on my XXXX account on/by XX/XX/2019. 

PLEASE NOTE : While this second debit appeared as a debit on my XXXX account it did not post on my Discover account. I have asked Discover numerous times where it posted and they have not provided an answer or any documentation as requested. 

On XX/XX/2019 I called Discover to advise that the credit did not post and was advised it would post in the next business days. 

On XX/XX/2019 I called Discover to advise that the credit still has not posted and was assured I would get a call the first thing on XX/XX/2019. 

On XX/XX/2019 I called Discover after I did not receive a call. I was told that the credit was sent to XXXX on XX/XX/2019. 

The Discover representative got XXXX on the line and after confirming all my information we were told that no credit was posted to my XXXX account. 

Even after receiving this verbal confirmation, I was forced to upload all my recent transactions showing the XXXX account was debited twice and that no credit back was received. 

On XX/XX/2019 I called Discover to check on status and they said there were still investigating the matter to determine where the credit posted. I asked for verification that it was even sent and I was told that such a request had to go through their legal department. 

As accommodation, so I collect interest Discover posted a courtesy credit as a check on my account, but the funds would not be available to me until they conclude the investigation. Why is my own money not available to me? Especially when this is their error and they have admitted this much. 

Again, I will note that while my XXXX account was debited twice ( XX/XX/XXXX and XX/XX/XXXX ) and while the post of XX/XX/XXXX appears on my Discover account the other does not. Discover has not advised or provided any documentation on where exactly these funds are or were posted during this more than two week ordeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Talk to XXXX from Trans Union on XX/XX/XXXX XXXX # XXXX And let her know that its some Fraudulent and Authorize Inquiries on my credit report she look into it I gave her all the Inquiries that i did not Authorize So she told me that Inquiries will be remove from Credit Report ( But all the Inquiries are still on my credit report ) I am very Mad that all of the Misleading Information are steel on Credit Report. 




Please Remove Fraudulent and Authorize Misleading Information from my Credit Report Inquiry Details XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Debt collection

Debt is not mine was a victim of Identity fraud.

they say I owe {$580.00} ihave no clue of this transaction.
Product: Mortgage

Stated that there was no evidence of a predatory loan and not helping as a result. Just continuing to place me in predatory modifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that  Jefferson Capital Systems are reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Te xas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.
Product: Debt collection

I, am familiar with the facts recited below ; and hereby declare under penalty of perjury that : I, XXXXXXXX XXXX XXXXXXXX am a living woman, divinely created by the All Mighty Creator, created in his image, to have a divine experience in the Jurisdiction he created and lawful constitutional rights to privacy and to be secured in my property. As living beings we do know and defend our unalienable rights at all points in time, and are willing to express those rights if need be. 

I have tried for several months to resolve the dispute with Chase requesting the original promissory note and XXXX number to prove there hasn't been any forgery or theft, all 1099 's to proof there was a loan, their terms and conditions of full disclosure, the statement of account pursuant to ucc 9-210, validation of alleged debt to prove they are indeed the holder in due course to collect and I wasn't paying the wrong party, their tax identification number to report to the IRS for tax purposes of my payments. Chase consistently ignored all my requests, continuously to NOT report to the consumer reporting agency that I disputed the alleged debt instead reporting it as late when there was indeed a finance charge 15 usc 1605 and gave my personal information to a third party to steal my vehicle without providing all proper notices and requirements and denying me of my right to rescind.
Product: Mortgage

I applied for a cash out refinance with Bank of America. Went through the entire process all the way to setting up a closing date. Ten days before we were to close the loan got denied because I have XXXX exemption on the property. BOA should have ask or known about this long before setting up a closing date. I would like a refund on the appraisal as the loan never should have gotten to the appraisal process. They had all tax info including my Federal returns that clearly show a loss or profit from farming, three weeks before the appraisal. If XXXX exemption is an automatic denial for a loan it should be XXXX of the first items asked or looked at. BOA was negligent and should never had went as far in the process of making me pay for an appraisal. The loan should have been denied in the first days of the process before the appraisal.
Product: Checking or savings account

Many years ago, I authorized the XXXX (? ) insurance company to initiate XXXX debits of {$90.00} from my savings account on XXXX, XXXX, XXXX and XXXX for XXXX XXXX XXXX insurance. 

I barely use this account and I forgot about these infrequent debits, so the XXXX debit on XX/XX/year> failed and I got charged an NSF fee. 

I then received an e-mail from XXXX XXXX XXXX that basically said - pay {$90.00} + {$3.00} manual billing fee by XX/XX/year>, or we'll cancel your insurance. 

I have never heard about XXXX XXXX XXXX and I chose to ACCEPT their offer/terms by NOT making a payment and stopping this insurance. Besides, in the age of scammers, it is dangerous to contact them and give them payment information. 

They initiated another debit of {$90.00} on XX/XX/year>, which failed and resulted in more NSF fees. And send me another e-mail that basically says " Oh, we changed our mind, if you pay {$93.00} you can have your coverage back ''. 

Let 's play XXXX 's advocate for a second. If the {$90.00} debit had gone through, would I know if I have insurance? Because their letter did say - pay {$93.00} via check or on our website by XX/XX/year> or we'll cancel you. And {$90.00} is less than {$93.00} and another {$90.00} for the next period would have been due. If I can't figure out what the {$90.00} debit is for, I could NOT have possibly authorized it, just like I didn't authorize a debit for an arbitrary other amount for uncertain purpose. Furthermore, the company who is initiating the debits is unfamiliar and NOT an insurance company and I never authorized THEM to issue debits. I can't be sure that my money is going to the right place and/or how to file an insurance claim. 

Apparently, they feel that they can issue arbitrary debits for arbitrary reasons, which feels like an extortionate threat. 

I allege that : - they failed to properly inform me of the change of insurer, contact information, practices, etc ; I never authorized anyone, but the original insurer, to initiate debits ; those are material changes and my contract should be voidable at my option all the way back to the original change- the XX/XX/year>, debit was unauthorized and contrary to their letter/offer- the single unauthorized debit constitutes attempted theft and wire fraud - the pattern of mail fraud by XXXX co-conspirators, who benefit from it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX San Diego County Credit Union XXXX XXXX XXXX, who marketed me this insurance and benefits form NSF fees and kickbacks ) ; may constitute racketeering under federal XXXX statutes ( subject to treble damages over many years and many victims )
Product: Vehicle loan or lease

I signed a contract originally for 84 months at 11.29 % APR with first payment made XXXX XXXX. I deferred XXXX payments during XXXX. the original last payment should have been XX/XX/XXXX. So it would have been extended to XX/XX/XXXX However, I just made the XXXX payment on XX/XX/XXXX and I still have a remaining balance of {$1600.00}. 
To date I have paid {$28000.00} in interest however the contract states total interest paid was supposed to be {$25000.00} After XXXX  when I made a payment in XXXX and XX/XX/XXXX the entire payment went 100 % to interest with no principle. 
I am not getting an answer from the company as to why they are charging my more interest. the extra interest they took from the payments is causing the principle to not be paid off and I am required to pay more payments even though I am already over the 84 month as per contract. 
Are they allowed to charge over the contract amounts?