23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was intentionally lied to about payoff amount for my mortgage. I had records from the new bank showing payment. BBT said the check was returned thus making payoff not include a {$910.00} payment. The next day ( 7 days after posted as paid by the bank written from ) they post as received. We switched XXXX-XXXX busn and personal acts away from BBT for this and many more reasons. They are scamming for fees. Now they only refers me to " loan officer '' to try and get my {$910.00} returned. Of course He will not answer my calls. Additionally the limited information I can get printed at my local branch shows my last payment ( payoff ) as {$120000.00} vs the actual check written for {$130000.00} and posted at my new bank XXXX of ky. This bank is the worst at consumer fraud.
Product: Debt collection

Trans world has violated the XXXX as outlined in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

XXXX XXXX - XXXX XXXX BANK ACCOUNT # XXXX This creditor is reporting this account that has had a XXXX balance for many months. 
Show as 30 days late for the month of, XX/XX/2023. 

I am requesting that this creditor update my credit file with all XXXX credit reporting agencies to payed as agreed and never late. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021 from ALLY FINANCIAL. I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX,XX/XX/XXXX and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT.
Product: Credit reporting or other personal consumer reports

I am trying to add a security freeze to my Experian credit report. This is the second time I have come across this issue and the company 's canned response does not solve the problem. When I try to log in, it says it can not verify my identity, then refers me to a phone number. When I call the phone number, I get stuck in and endless loop that will never transfer me to a person to assist, even though the website refers me to call for assistance in the first place. Now they have programmed their robo answering service to literally hang up on people whether or not you agree to use their website. This practice is abusive and fraudulent. The company does not provide any appropriate customer service under any circumstances. I am trying to add a credit freeze but I am unable to do so. I should not have to mail in sensitive information in order to add or remove a credit freeze, particularly when there is an online option and there is a phone option. Neither of these options work, and the company has clearly designed their website and phone to be unhelpful and abusive in order to prevent consumers from requesting freezes or any other assistance whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I writing today because I am stressed out and tired of the futile efforts of disputing with Experian. I have brought to their attention since XX/XX/XXXX when I received my credit report and saw inquiries that were never authorized by me and I have no knowledge of. I tried resolving it with Experian, until today, XX/XX/XXXX and they have ignored all of my requests even after sending an FTC report that they requested ; they are violating my rights. I will be attaching all documents, thank you.
Product: Checking or savings account

I recently went into the bank and provided them with my dba which was from 2020. I received a check that was made out to my XXXX XXXX XXXX name and did not realize the bank did not have that info. Then I received a letter that the bank was closing my account. After more than 20 years with various accounts with this bank they are closing my account. It is a hardship to move everything over and it may cause penalties and fees as I navigate a switch during these busy times. Im concerned of fraud as I see no reason to close my account and they wont share. This should not be legal not to disclose. And also Id like to know if they are closing because I am a person of XXXX and they are unjustly targeting me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX Opened XX/XX/XXXX / Closed XX/XX/XXXX Dear CFPB Please see attached files For months I have submitted complaints to XXXXEquifax/XXXX regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX/Equifax/XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed " XXXX XXXXXXXX XXXX Opened XX/XX/XXXX/ Closed XX/XX/XXXX '' in the attached documents to be removed immediately. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and Noticed Several Inaccuracies on my account. This account is to my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
Account : XXXX  XXXX
Product: Vehicle loan or lease

I found out back in XXXX that a car was brought in my name by a family member. They literally filled out an application online and brought the car online through XXXX and had it delivered to them without my knowledge, this happen in XX/XX/XXXX. I found out in XX/XX/XXXX and called Bridgecrest and told them where to pick the car up at. I explained that a family member that was living with me brought the car online in my name without my knowledge and had stolen my driver license to commit the fraud. The car registration was never paid either since only I could go motor vehicle. The account is still showing on my credit and I want it removed since the car loan was never opened by me, it is a fraud account opened online.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 JPMCB CARD SERVICES XX/XX/2023
Product: Debt collection

My husband and I leased a XXXX and returned the XXXX back to the dealer in a timely fashion in 2018. Ally provided financing for the XXXX. Throughout the course of the three-year lease, we were never so much as a day late with any payment. On XX/XX/2018, we wrote to Ally and disputed certain charges they alleged, including for excess wear and tear following the return of the XXXX. We understand that Ally claims we owe about {$600.00}. Although we sent via certified mail to Ally a cease and desist letter, it continues to contact us several times a day including at our places of employment. Ally further continues to contact our family members as well as individuals who are not related to us. If Ally wishes to file a small claims suit against us, I'd be happy to defend the same and provide the court with copies of the documents and photos we have. However, we want the harassment to stop. We request your assistance in this regard. The company harassing us is : Ally, XXXX. XXXX XXXX, XXXX, MN, XXXX. Telephone number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX Accounts have been removed from both XXXX and XXXX  through disputes where all three agencies recieved identical information. After the first dispute XXXX waived the account balance which Equifax complied with yet they have erroneously re-instated the balance on their own accord. And have yet to remove XXXX XXXX or XXXXXXXX XXXX   account or I will be forced to take legal action against them for violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - XXXX I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit card or prepaid card

applied for a citi bank card in XX/XX/2019 still no answer if it been approved or not but my credit score went down because of inquiry called emails still no reply
Product: Debt collection

XXXX XXXX, continued to send collection notices to me after I requested for them to validate the debt. They didn't follow the correct guidelines for accounts that are disputed, and ignored the request that was submitted back in XXXX. It wasn't until I sent a certified letter that they acted as if they wanted to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Acct # XXXX. Has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

er : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!

Ive submitted proof of Identification card, Social Security card proof of address and FTC
Product: Debt collection

on XX/XX/XXXX, I received an email from Comenity Capital Bank, that states that on XX/XX/XXXX ; XXXX my payment of {$2400.00} was returned due to insufficient funds, as the payment was returned my account was charged a fee of {$29.00}. 
I made the payment of {$2400.00} on XX/XX/XXXX to close this account, which I had called to verify the payoff amount before the due date of the loan. 
I did contact my Bank, XXXX XXXX XXXX XXXX who states that Comenity Bank did attempt to deposit the {$2400.00}, again on XX/XX/XXXX and was returned to them. That amount was presented to and paid on XX/XX/XXXX. My bank stated that there was no mistake on there part, and that Comenity Bank attempted to deposit the same payment amount on XX/XX/XXXX. making them at fault. 
I sent an email stating what I had discovered and that I did not owe Comenity Bank a NSF fee of {$29.00}. 
As of today I have a balance of {$60.00}. in late fees for a check that they tried to deposit twice!
Product: Student loan

Subject : Formal Complaint Regarding Lack of Specificity in Interest Calculation Responses I am writing to formally express my dissatisfaction with the responses I have received to my inquiries regarding the calculation of interest on my student loan account XXXX. Despite multiple attempts to seek clarification, including through complaints filed with the Consumer Financial Protection Bureau ( CFPB ), I have only received generic and unhelpful replies.

My Concerns Are as Follows : 1. I have not received a detailed breakdown of how the interest on my loan has been calculated for the time periods in question.

2. I lack documentation explaining how my interest accrues, including applicable rates, compounding methods, and contributing factors such as adjustments or fees.

I am Formally Requesting : 1. A detailed, step-by-step breakdown of how the interest has accrued on my account over the specified period ( s ).

2. Copies of any relevant loan documentation, including the original terms and conditions, that explain how interest is calculated on this loan.

3. An explanation of any discrepancies or adjustments that have been applied to my account balance or interest charges.

Under the Truth in Lending Act and the Higher Education Act, I am entitled to clear, accurate, and specific information regarding my loan. I expect a full response to this request within 15 business days.

Failure to Adequately Respond : If I do not receive a satisfactory resolution to this matter, I will escalate my complaint further, including filing a formal dispute with the Department of Education ( if applicable ) and contacting my state attorney general 's office. I may also seek legal advice regarding the lack of transparency in handling my account. 

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

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

While doing my research on how I came across how to raise my score and remove negative inquires, I was able to get to know laws that are supposed to protect consumers. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : 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,, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 6802, I did not receive the required opt-out notice at the time I created the account that is being reported. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

XXXX : XXXX XXXX XXXX and/or XXXX Morning XXXX XXXX XXXX letter mailed to me via XXXX claiming XXXX owe them a debt of {$12.00}. 

XXXX : I receive the aforementioned letter. I respond with a letter requesting validation of the debt via XXXX XXXX Mail. 

XXXX : My letter is received at its destination. 

XXXX : XXXX XXXX XXXX and/or XXXX Morning XXXX XXXX XXXX letter mailed to me via XXXX claiming XXXX owe them a debt of {$12.00} and claiming they have not received payment. The letter does not validate the debt and is a form letter identical to the XXXX  XXXX. 

XXXX : My mailbox receives the aforementioned letter. 

XXXX : After returning from business travel, I open the aforementioned letter. I proceed to file a CFPB complaint for this FDCPA violation.
Product: Checking or savings account

On Monday, XX/XX/XXXX my account with XXXX ( Chime ) was unexpectedly closed. I received no notification, was not overdrawn or have had any issues with the bank prior. I had just over {$2100.00} in my savings account and {$600.00} in my checking account. I can not get anyone on the phone to find out what happend to my funds or why my account was suddenly closed. When I call, I just get an automated message that my account has been closed and that I can email XXXX for help. When I login to the app, I get a " Yikes, your account has been closed. '' I have emailed XXXX XXXX times. I did receive XXXX response midday on XX/XX/XXXX that someone would be in touch with me in XXXX hours. I still have not received a response. This has left me completely at their mercy with no funds to take care of my children. I do not get paid again until XX/XX/XXXX so I am hoping that someone can look into this for me.
Product: Credit reporting

UPON HITTING THE FINAL 'SUBMIT ' KEY, THE QUESTIONS TO ESTABLISH MY IDENTITY CAME UP ; I ANSWERED THEM TRUTHFULLY AND WAS TOLD THEY WERE INACCURATE AND I WOULD NEED TO WRITE A SNAIL MAIL LETTER TO CONTINUE IN MY QUEST FOR A FREE ON-LINE CREDIT REPORT ; IF THOSE ANSWERS WERE INCORRECT, SOMEONE HAS USED MY IDENTITY. AS I DID N'T HAVE ANYTHING INACCURATE IN MY SOCIAL SECURITY REPORT, I WAS UNAWARE OF ANY OTHER USAGE OF MY SSN. 
THANK YOU WARMLY IN ADVANCE FOR YOUR ANTICIPATED ASSISTANCE,
Product: Debt collection

XXXXW credit system has marked a collection account against my credit for an account that I have previously requested proof of debt. When disputed online through the XXXX credit systems they removed the collection and then added it back onto my account months later without a notice. However I tried to use their online system to find my account as I don't have an account number it is based off my birthdate and last XXXX of my social it is telling me that an account can not be found. How can that be if they have it listed on my credit report. This is a direct violation against my consumer rights on multiple offenses and I am requesting this to be removed immediately. Attached is a screenshot of their own website stating I do not have an account
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was informed that I currently have serious delinquency reportings on my XXXX, Equifax, and XXXX credit bureau reports as I applied for funding at my local bank. The reports illustrate late payments of 30 days and more for multiple loans in XXXX & XXXX though this REPORTING IS INVALID. I have contacted both loan service providers which the accounts are attached, to verify if these reports are true. Representatives from both companies did not find and COULD NOT VERIFY that the accounts had ever been in default or received late installment payments. These reports are invalid and therefore must be removed according to the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failure align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.