23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have XXXX XXXX coverage on my credit card account ending in XXXX. I tried to process a claim on XXXX. I was told by XXXX XXXX that my coverage was cancelled on XXXX. I received no notice of this. I was topld by XXXX XXXX to contact the card issuer, which I did. The card issuer told they had no information about this and to call XXXX XXXX. I call XXXX XXXX back and they tell me they have no information about this and to call the card issuer. Which i did again. The card issuer told me again that they have no information about this and to call XXXX XXXX. I call XXXX back again today, and they tell me the have no information about this..
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

We completed an appraisal on behalf of the mortgage company and VA for use in the underwriting of a VA mortgage loan. The mortgage company has not paid for the appraisal services and has certified at the time that the order was placed that funds were collected and being held for this payment. The order requester XXXX XXXX XXXX ( NMLS # XXXX / AZ license # XXXX ) has misappropriated funds in the lending process. 
Funds collected from the veteran borrower to pay for the appraisal were never forwarded to the appraiser for payment of services. 
The appraisal was completed on XX/XX/XXXX. A total of 6 invoices have been sent. the VA regional loan center has been made aware of the non payment. 
A search of the XXXX website shows that XXXX XXXX XXXX  is a trade name of Valorem Lending LLC. Valor lending was contact by email and phone on XX/XX/XXXX. The receptionist confirmed that XXXX XXXX XXXX is doing business under there name. Received payment on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX has listed all account status in collections on my. The accounts listed have been paid off in full. My most recent credit report shows the change, credit file number of XXXX. It list all accounts that can be viewed on report in collection status. XXXX also list accounts older then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
Equifax has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ). 
XXXX is not giving me access to my credit report and I do pay a monthly payment to view, they also will not allow a dispute. Online access is jammed and phone calls turn bad do to naive behavior of employees that do n't understand the it problem associated with online dispute. Because I 'm given the option to use online or phone, this is how I 'd rather discuss it. Using mail requires to much time and I 'm not home during mail hours of operation. Thank You!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Identity Theft Notification and Request for Removal of Fraudulent Inquiries Dear XXXX/TransUnion Fraud Department , I am writing to inform you that I am a victim of identity theft. My personal information has been compromised, and as a result, unauthorized individuals have fraudulently applied for credit cards, auto loans, and other forms of credit in my name. Due to this situation, there are several fraudulent inquiries listed on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, all fraudulent items must be removed from my credit report. I am requesting that you investigate and remove the following fraudulent inquiries from my credit report : Fraudulent Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX For your reference, I have included copies of my police report, my driver 's license, and proof of address. Please ensure that all fraudulent inquiries are promptly investigated and removed from my credit report.

Additionally, please provide me with a confirmation letter once these items have been removed and send me a revised copy of my credit report reflecting these changes.

If you need any further information or documentation, please contact me at the phone number or email address provided above.

Thank you for your immediate attention to this matter.

Sincerely XXXX XXXX
Product: Credit reporting

Husband opened a credit card account ; his signature only. Card owner is now deceased. His balance shows up on my credit report. Utah law states that the spouse is not responsible for his credit card debt. Would like to have debt removed from my credit card report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am once again, disputing information that I have no knowledge of in that are unauthorized credit inquiries. These were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries, lacking certifiable evidence, unless physically certified verified proof is demonstrated in provided per US code 15 U.S.C 1681 section 604 of the fair credit reporting act. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Many addresses are listed on my credit reports that do not belong to me and are not places I have lived. This could be fraudulent reporting.
Product: Debt collection

In XXXX, XXXX I was in the market for a new home. A credit report revealed I had a collection from XXXX XXXX. I tried to dispute the collection, because I had never heard of XXXX XXXX. Shortly after I received a court document from attorneys Stenger & Stenger out of XXXX, MI. I contacted my lawyer who after speaking with Stenger & Stenger reported to me that I did owe the debt, but they were collectors and he did not know where the debt originated. I asked on those grounds shouldn't the debt be dismissed. I was told no and a plan was negotiated by my lawyer and attorneys Stenger & Stenger. The plan was that I would make payments of {$200.00}. over the course of 11 or 12 months. Of course I paid, I wanted my credit back in good standing. I contacted XXXX a few times about the collection, I was told they could not discuss anything with me about the collection. So in XX/XX/XXXX I filed a third dispute stating that I completed payments negotiated by the attorneys and provided documentation. The collection still shows on my XXXX report, but not the other 2 reporting agencies. I tried calling XXXX XXXX and they too would not give me any information. I basically paid a debt that I have no knowledge of and it still as of today XX/XX/XXXX is reflecting negatively on my XXXX  credit report. Why can't I get answers about my own credit report? I feel like this is an attempt to keep me in a negative standing.
Product: Checking or savings account

in XX/XX/2022 i upon reviewing my bank statement online i seen alot of transactions that were made unauthorized transactions i reported this to bank of america over XXXX times and tried to get this resolved but no luck all they did was close my checking account and and they opened up a credit card without my consent and never gave me back my money for all the fraudulent transactions made on my checking account I've tried to solve this by contacting them and they gave me a XXXX number that said they can help but all they said was they have referred my matter to the fraud department and will contact me as soon as they resolve this its beem so long now that ive given up i dont know what to do but all together im my checking account they stolen almost XXXX that ive seen on what bank statements i have they refuse to semd me all my statements as well this is a nightmare can you help me please
Product: Debt collection

Called IC system on XX/XX/2022 in reference to a balance they keep reporting for XXXX for equipment I returned the equipment a year ago and dont owe anything I even got a letter from them stating they will removed it ..its still on my account and it has not been removed. The balance is XXXX for equipment from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a compliant against XXXX XXXX XXXX XXXX XXXX XXXX let someone pretend to be in XXXX XXXX. I tried to dispute the matter several times. Some odd reason that person hack into my saving and checking account that year to transfer it all into XXXX XXXX My account was in the negativeXXXX XXXX XXXX XXXX advised me deactivate my XXXX XXXX  and reset my user name and password. XXXX XXXX XXXX had issued me a temp credit. After they has done their investigation. XXXX XXXX XXXX wanted to reverse the temp credit because my name was on the account. XXXX XXXX XXXX  had report me XXXX XXXX in XXXX XXXX At first, I had refused to pay for something I didn't do at all. It was hard for me to apply for any personal or business checking account because of this situation. My attorney from XXXX XXXX send a demand letter to XXXX XXXX XXXXXXXX on XXXX XXXX XXXX  He gave XXXX XXXX XXXXXXXX 15 days to resolve the matter, no response from XXXX XXXX XXXX yet. XXXX XXXX XXXXXXXX held me responsible for {$6400.00}. After I paid for something I didn't do. I paid it in full on XXXX XXXX XXXX XXXX XXXXXXXX told me. I have 5 years to removed from the XXXX XXXX. If I had known, I would not paid a cent. Something I should not done anyway. I request a copy of the policy. They refused. I should not paid for something, I didn't do at all. Please you want removed from the XXXX XXXX. I want my {$6400.00} back and removed from the XXXXXXXX XXXX. I have provide them documents. XXXX XXXX XXXXXXXX ripped so many customers off. Thats why they are constantly being sue for something. Be careful having any accounts with them. XXXX XXXX XXXX is the largest bank of crooks.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$70000.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request. Thank you for your prompt attention to this urgent matter.
Product: Checking or savings account

My fiance and me XXXX XXXX opened a CD with CITI bank located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. We had a cashers check for {$51000.00} XXXX made out from our other bank XXXX XXXX XXXX  now known as XXXX XXXX XXXX located in XXXX XXXX, Il. This was for CITI 's offer for their Priory Account this went to terminus one year later and we moved {$58000.00} with another cashers check from XXXX XXXX XXXX XXXX for their CD offer consolidating both. 

On XXXX CITI sent a letter to us stating that they were going to close the account and we only had so many weeks left to remove the money or it would be restricted or impounded. They said because they did not have all the information on us etc., 1 ) This money was at CITI only two months in a CD before asked to move it, 2 ) They charged us {$730.00} for early withdrawal on the CD even though they were the one 's who said to leave CITI.

3 ) CITI said they needed more information on us even though we already had an account with them.

4 ) I called many times to CITI and always got someone in the XXXXXXXX XXXX. Incredibly XXXX said that I should be receiving a check in a few weeks that I never received. 
5 ) Talking to XXXX XXXX ( XXXX ) at CITI on XXXX XXXX XXXX, IL who opened the CD for us was clueless why they would do that, I asked for his supervisor and he said her name was XXXX XXXX XXXX and he said she made such decisions. I called many times and no one never got back to me. 
6 ) You do not have to look far to see that CITI as a sordid work ethic. See XXXX XXXX Report and XXXX. 
7 ) Being seventy-three and retired for many years they should know better and I want my {$730.00} back. 

You are welcome to use all my information, including my name, to help others.
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this is a formal complaint about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. 
XXXX XXXX Balance {$4300.00} XXXX XXXXXXXX Balance {$3700.00} XXXX XXXXXXXX Balance {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance {$25000.00} XXXX XXXX Balance {$4300.00} XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance {$12000.00} XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some many inquires on my report that I did not Authorize.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX Subject : ** Failure to Investigate Disputes Request for Assistance XX/XX/year> Dear CFPB, I am writing to file a formal complaint regarding my experience with Experian 's dispute process. I have submitted disputes online with Experian regarding discrepancies in my credit report, but I believe they have not been adequately investigated. Despite my attempts to resolve the issues, I have not received proper feedback or resolution.

Details of the Issue Account Information Disputes : I disputed inaccurate information on my credit report, including incorrect account details, payment history, and other discrepancies. However, I believe that Experian has not thoroughly investigated my disputes or updated my report based on my findings.

Lack of Response and Updates : I submitted multiple disputes online through XXXX dispute resolution system, but I have not received clear feedback or updates regarding the status of these disputes. The status of the disputes seems to remain unresolved, and I have not been informed of any investigations or results. 

Impact on Credit : The inaccurate information being reported on my credit report continues to negatively impact my credit score, and I am concerned that Experian is not taking the necessary steps to investigate and correct these errors.

Request for Assistance : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and assist in ensuring that Experian properly investigates the disputes I have filed. I would like Experian to : 1. Provide a clear response regarding the status of my disputes.

2. Thoroughly investigate and correct any inaccurate information on my credit report.

3. Notify me of any findings or resolutions regarding my disputes. 

Please let me know if you need any additional information or documentation to assist in resolving this matter. I appreciate your attention to this issue and look forward to your assistance in ensuring that my credit report is accurate and properly updated. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, Ok XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has furnished a charge off account to my consumer report to the consumer reporting agencies in which in turn have directly affected my financial reputation. This company has failed to abide by the Gramm-Leach Bliley Act of 1999 ( GLBA ). I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by XXXX  XXXX to neither XXXX  ( Transunion, XXXX, XXXX ). 

XXXX  XXXX did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. XXXX XXXX is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 

I ask of this company This notice is a CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. Im this complaint I am exercising my right to prevent the processing of my personal data by XXXX XXXX for the account opened XXXX XXXX.
Product: Credit card

XX/XX/XXXX requested GAAP accounting. Was not provided. 
XX/XX/XXXX tendered payment in the form of IBOE ( tracking # XXXX ), again requested GAAP accounting, and instructed correspondence to be sent to Notary making presentment. Payment was not applied, GAAP was not provided and Company ignored instructions regarding correspondence. 
XX/XX/XXXX sent an Opportunity to Cure letter ( tracking XXXX, reiterated instructions to apply to account, again requested GAAP, named CFO fiduciary with form XXXX, requested return of instrument if it was dishonored, and reiterated that correspondence should be via the Notary. Company ignored instructions to apply IBOE payment to account, ignored request for GAAP, rejected fiduciary assignment, refused to send communications through the Notary and failed to return instrument. 
Company has violated the following : Their Prospectus Supplement dated XXXX resulting in Securities Fraud. Securities Act of 1933, Section 17 ( a ) : Failure to disclose material facts related to securitization of credit card agreements. 
Rule 10b-5 : Misrepresentation and omission of material facts concerning securities transactions, UCC3-306, UCC 3-309, UCC 3-104.
Product: Debt collection

SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX *