23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you very very much for even having the time to read over my small issue. Because of this covid19 I have been slow to pay off my cards this year since XXXX however I am 100 % responsible and have tried to ask for forgiveness on some of my late payments. It is my request that you please help perhaps look into my case and see if we could please have some of those late payments forgiven. I am 100 % responsible I have kept and maintained the minimum payment balances to keep all of my accounts in the green. 90 % of my credit accounts are 100 % paid off except for about 3 of them. Can you please on my behalf try and help me erase these late payments because they are 100 % a result of Covid19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from syncb/PayPal on XX/XX/XXXX as a hard inquiry, which affects my score. I only applied for a credit card for XXXX  XXXX, which does show, but that was in XXXX. The syncb/PayPal was done XXXX well after I had applied for XXXX  XXXX. XXXX  XXXX is the only credit card inquiry I should have, I never applied for anything else. Worries me that some one might have tried to use my identity. This one is shown on my XXXX  report
Product: Vehicle loan or lease

I received a loan to purchase my truck from M & T Bank. I tried to go on line to set up automatic payments, but in order to schedule online payments I had to go into an actual branch and complete paperwork. On XX/XX/22 I went into my local M & T Branch located at XXXX XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX. I completed the paperwork, but because my XXXX payment was due on XX/XX/XXXX I was told I would still need to make that XXXX payment because the paperwork that I just completed would not go into effect until XXXX/XXXX/22. I went online and scheduled my XXXX first payment for XX/XX/22 for the full amount of {$680.00}. On XX/XX/22 there were XXXX transactions of {$680.00} charged to my account. Only XXXX were taken out from my bank account. I contacted the bank immediately when I noticed this. I spoke to the branch XXXX, XXXX, and she said that the money would be deposited back to my account within XXXX business days. It took them until XX/XX/XXXX to finally deposit the money. This put a financial hardship on me. I had to borrow money to make ends meet. When I contacted the corporate office and told them the situation, I spoke to a XXXX XXXX XXXX on XXXX/XXXX/22. He told me someone would call me within 1-2 days before the week is up. No one ever called me. I received a letter on XX/XX/22 apologizing for the inconvenience. An apology does not help with the struggle I endured to make ends meet.
Product: Checking or savings account

My account was closed unfairly and ok I understand that it is political but they put me on a fraud list without investigating first ... this harmed my XXXX application at XXXX XXXX XXXX who restricted my XXXX service on behalf of Capital One Now I demand that you please help me release my XXXX profile, my XXXX XXXX asks me to receive from you Capital One that they are releasing the cancellation of my XXXX profile My Capital One account number is XXXX My XXXX XXXX account is XXXX My profile linked to XXXX is XXXX Here below I attach the message that my banker sent me : As far as the XXXX restriction, unfortunately that will remain due to activity in capital one with them restricting the profile. The only resolution is to contact capital one, however XXXX policies are strict, so I want to prepare you that the outcome XXXX remain the same.Due to violating the XXXX policies at Capital One that can not be un-restricted at XXXX only way to resolve the XXXX at XXXX is if we receive notification from Capital one that they are un-restricting the profile, or we receive a letter from capital one stating that there was no violation of XXXX policies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX of XXXX. I went to XXXX XXXX to get a vehicle, I didnt like any of the vehicles they had on the lot but they said they can get the vehicle Im looking for shipped to the dealer. I wanted a XXXX XXXX XXXX they showed me pictures of the vehicle and said it would be at the dealer ship in a week so I agreed to put a down payment of XXXX for the vehicle. A week went by and nothing then another week and he kept saying that there is a delay with the transaction between the dealer and the owner. I went to dealership a couple of days later and he said he found another one and it would be at the dealership tomorrow, he had me sign paperwork for the bank and said the bank was going to call me about the vehicle he told me to let the bank know I have the vehicle even though I physicallly did not but the owner had shown me pictures and information on the vehicle. 
I kept calling and texting the owner about the vehicle and he said he still did not have it so I said I wanted my down payment back because I really needed a vehicle and this was all going on for a month. I got my down payment I called the bank sent them proof of conversations between the owner and I that I never had the vehicle and the bank said they would reach out to XXXX XXXX and then they said in the meantime I am responsible for the vehicle and would have to make payments in the vehicle even though I never physically had the vehicle. 
The bank proceeded to put that account on my credit as a repossession and it is affecting my credit, I would like to have that removed as I talked to them and sent them proof of me never having the vehicle in my possession.
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. 

The XXXX Accounts number, XXXX XXXX XXXX, XXXX {$820.00}, XXXX XXXX XXXX {$460.00}, 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 consent.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Mortgage

I have had a complaint twice on Fifth Third Bank Corp who handled my refinance after Covid.They are again performing illegal bank practices and it needs to stop. I was informed by letter that as of XX/XX/XXXX that they placed a force flood insurance policy on my mortgage # XXXX when I have active coverage and they have verified it. Their rep from the insurance company, a subsidiary of Fifth Third told me she sees my active policy and did not know why this transaction was performed on my mortgage. She had no access to my mortgage so she called the flood insurance department and got no answers, so she started an investigation. I have had two years of private flood coverage and sent proof and it is showing active and they had no right to place this policy in the amount of {$1100.00} in escrow. My payment will be raised for a policy not needed. My current policy is on record at fifth third as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and agin in XX/XX/XXXX. That's how many times I sent it before they recorded it. This issue about drove me crazy in XXXX when my loan was in medigation and refinancing was finalized through Covid Refinanacing. I have a government loan and they had to contact Fifth Third to get it done. Your agency helped as well. It looks like Fifth Third has a SCAM going on mortgage holders with this FAKE INSURANCE and it needs to stop. Please help me and if I can file anything else somewhere else on their harrassing mortgage holders, let me know. I am so tired of being mistreated, Threatened and TALKED DOWN TO. I AM A XXXX CITIZEN and it is not right to be treated, threatened, and harrassed by incompetent bank employees. I worked all my life and retired from the state government and this is wrong. Please help me. PS I finally received a letter from Fifth Third informing me that they do not have the authority or obligation to open an escrow account on my mortgage. They said they could anytime and I protested about a year ago and finally they agreed that they had not right to do that. Now, they have done it again, ILLEGALLY!!!
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I hope all is well with the person whom is reading this. This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXX in the amount of {$860.00}, XXXX XXXX In the amount of {$310.00}, XXXX XXXX in the amount of {$260.00} and XXXX XXXX XXXX in the amount of {$180.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Mortgage

Did a Refinance. New loan paid off a Wells Fargo mortgage. The title company collected an extra $ XXXX-odd from us at closing over the actual existing loan balance. They forwarded it to Wells Fargo. Wells Fargo posted the payoff on XX/XX/21, but back dated to XX/XX/21 as it should have been. Today XX/XX/21, they advise it may take up to 30 days for them to return the extra, unneeded, $ XXXX payment to us. This is an unacceptably long time to make a refund when they know the amount today. There are no documents to review, just a check and their own records, which of course are all computerized. If the consumer pays a mortgage payment late, there is a significant penalty. 

Does the CFPB have the authority to direct Wells Fargo to make an immediate disbursement to me? And can it set a rule that payoff overages must be disbursed within 4 business days, please?
Product: Credit reporting, credit repair services, or other personal consumer reports

Why won't you remove these items? 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to remove. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it.

I was denied Employment due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) 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 every piece of information and remove these items below from my credit report. 
Inquires XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed some things are incomplete and inaccurate. And according to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], are not complete and accurate. 

XXXX. Capital One Auto XXXX XXXX. Capital One XXXX XXXX. XXXX XXXX XXXX XXXX. Capital One XXXX XXXX. Capital One XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need this thing that is not mine to be eliminated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called Ability Recovery Services , LLC to notify them that I had a police report for financial identity fraud. and the debt collector hung up in my ear after calling 3 times. I have reported this to the floor supervisor and will be filling it with the AAG.
Product: Credit reporting or other personal consumer reports

I'm asking for assistance with this incorrect account on my credit report. It has damaged my good standing, and I shouldnt have to plead for your help. Your mistakes have left my reputation in shambles. These wrong entries need to be taken off my report now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account balance with XXXX XXXX XXXX is {$0.00} and has been for nearly a year now. TransUnion continues to misreport my account even after sending confirmation and proof showing balance is {$0.00}. Multiple complaints filed with TransUnion and they refuse to correct the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX, XXXX and Trans Union Correctly reporting individual and total credit limit and balance figures for revolving accounts.

However, falsely reporting utilization ratios for totals as 100 % when well under 50 %, in turn causing false credit score reporting.
Product: Credit card or prepaid card

In XXXX Bank of America suddenly locked me out of my online account until I typed in my full social security number and full credit card number. That's a huge identity theft concern. I kept trying for a couple weeks and finally called them. After 45 minutes waiting for a live person they told me that they refuse to change that policy, and also I had a late fee for making ( I thought ) XXXX 's payment in early XXXX before they locked me out of my online account, but it was too early in XXXX to count towards XXXX. That part is my fault, I'm not blaming them for that. I then paid the full balance by phone and verified a few days later that I had a zero balance. Last week I decided to close the card completely which I successfully did and confirmed by phone with a live person that the card is closed and I have a XXXX balance. Today I got a bill for {$1.00} on the closed account. Thank goodness they actually sent that email or I would have no idea I was still being charged. I tried unsuccessfully to get through to a live person and gave up and paid the {$1.00} by phone. 

I am hoping that is simply a finance charge from XXXX 's activity. If they start trying to charge me a finance charge on a finance charge I am going to have a problem with it.
Product: Credit reporting 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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: Money transfer, virtual currency, or money service

XXXX of XXXX  I was scammed on Cash App in the amountof XXXX. I tried to contact Cash App and filed a fraud complaint with my bank. There was no way to contact Cash App, and when I looked for a number or contact information it said SQUARE. I then reported it to my bank as fraud and my bank also investigated. I was told by my bank because it was no way to contact the company to get my money back my claim was denied. I was never refunded my money in the amount of XXXX.
Product: Credit card

I received an email yesterday about purchases made on the XXXX and the XXXX of XXXX about fraudulent charges on my credit card. I called Discover and they went over what charges occurred, and said I had XXXX liability but I should file a report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX for failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ) and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ( b ) ) regarding inaccurate and unverifiable information on my credit report. Despite multiple disputes submitted to XXXX, these erroneous collection accounts remain on my report, and the bureau has failed to provide proper verification or remove the disputed items. 

Legal Basis for Complaint : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) Under the FCRA, XXXX is required to conduct a reasonable investigation into disputed information within 30 days of receiving a dispute. The burden of proof is on the data furnisher to verify that the information is accurate. 

XXXX failed to properly investigate my dispute and instead responded with a generic response, stating that the disputed items have been " verified '' without providing any supporting documentation. 

Failure to Provide Verification Documents ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Upon verification, XXXX is required to provide me with a written notice containing the method of verification used to confirm the disputed account. 

No such documentation has been provided, making it impossible for me to verify the legitimacy of these accounts. 

Reporting Inaccurate and Outdated Information ( 15 U.S.C. 1681c ( a ) ) Some of these collection accounts contain incorrect balances and statuses, yet XXXX refuses to correct them despite factual documentation submitted with my dispute. 

Reporting unverifiable and inaccurate negative information is a direct violation of the FCRA. 

Failure to Remove Unverified Debt ( 15 U.S.C. 1681s-2 ( b ) ) Credit bureaus must delete or correct disputed items if the furnisher fails to provide sufficient verification.

Since the collectors ( XXXX XXXX XXXX, I.C. System, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  ) have not provided legitimate documentation proving ownership or validation of these debts, XXXX must delete them from my credit file. 

Violation of Debt Validation Rights Under FDCPA ( 15 U.S.C. 1692g ( b ) ) Collection agencies are required to provide validation of the alleged debt if a consumer disputes it within 30 days of first contact.

I requested validation directly from I.C. System and XXXX XXXX XXXX, but they failed to provide any proof that I owe these debts. 

Since the accounts remain on my XXXX credit report without proper validation, they should be removed immediately per the FDCPA.
Product: Bank account or service

My checking account was overdrawn by about XXXX because paypal authorized some payments that they should n't have unless they did it rom their own bank. I contested the charges with the bank and they removed it then they closed my account with a balance of XXXX in fees for this XXXX contested charge.