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

I, XXXX XXXX, am writing this complaint for account ending in XXXX. This account was closed by DISCOVER, with no prior communication as to why or when this will happen. This account has been charged off- why you asking me for payments and illegally reporting inaccuracy to my credit report? You have been harassing me everyday with phone calls like clockwork. You are a debt collector calling me and harassing me violating federal law under FDCPA. You are providing false statement/representation by trying to collect amound that's already paid off ( charged off ). You are threatening to contact credit bureaus and damage my XXXX XXXX - Regarding missing payments when this card is charged off. Your attempts to collect debt that is charged off, and now you are trying to double dip and commit fraud. 

They have left numerous messages on my phone and calling me from several numbers and constantly emailing me. 

XXXX XXXX
Product: Debt collection

My complaint is with : Absolute Resolutions Inv., XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. Put a Collection-Derogatory on all ( 3 ) of my Credit Reports XXXX XXXX, XXXX and XXXX. They bought this Account from XXXX loans on XXXX. My XXXX  Account was Reported on my ( 3 ) Credit Reports CLOSED ACCOUNT - ACCOUNT CHARGED OFF {$10000.00} WRITTEN OFF SINCE XXXX. 
I, never signed a legal contract/loan with Absolute resolutions Inv. If you have my original signature of a contract with MY NAME. I'm a XXXX XXXX and having this account Report on my Credit Reports has damaged me in financially. I have checked the BBB ; this Company has numerous complaints.

I was never contacted by Absolute Resolutions Investment, per mail nor phone or email. They just put this collection on all the ( XXXX ) credit reports on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account 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 WELLS FARGO DEALER SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX 2023, my information was used fraudulently to open credit card accounts with XXXX XXXX and XXXX XXXX XXXX, several thousand dollars worth of purchases were made on these credit cards. I received notice of payment due on these accounts through XXXX XXXX, and contacted them to report these accounts as Fraud. I contacted the credit bureaus to dispute as well, the credit card accounts were now showing on my credit reports and affecting my credit score. After many months I received mailed from XXXX XXXX informing me that they'd finished their fraud investigation, and the accounts were closed as fraudulent. The letter states that I am not responsible for the accounts, including remaining balances. XXXX requested credit reporting agencies remove the accounts, and they have been removed. 

On XX/XX/XXXX, I received a letter from XXXX XXXX informing me that as of XX/XX/XXXX the accounts had been closed and charged off. XXXX has sold the account to Jefferson Capital Systems , LLC. I received a letter from XXXX as well, informing me of the debt they were not attempting to collect and have been receiving phone calls from XXXX as well. 

I AM NOT REPOSINBLE FOR THIS DEBT
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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 card or prepaid card

It's practically impossible for even a well-informed individual to calculate and figure out if the rewards calculated or earned on the card are accurate. I'll appreciate if Citi could please make it simple and just explain how many rewards points did I earn for which transactions in my latest cycle. Please don't regurgitate what is on the statement as I am indicating here that I don't understand what is on the statement, to begin with. As a Bank I would like to trust, this stuff doesn't give me the warm and fuzzy. Thank you
Product: Debt collection

For the past 2 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. The incorrect debt collection amount is for {$400.00}.
Product: Checking or savings account

I opened a checking account with Wells Fargo. I made a cash and check deposit. Wells Fargo closed the account, saying that I am too risky of a customer because the check bounced. The check didn't bounce. It cleared.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : I submitted my payment for XXXX on time, well before the due date. I have attached bank statements and payment confirmations that clearly show the payment was processed before the deadline, yet the payment was incorrectly recorded as late. 
Clerical Error at XXXX : After noticing the error, I contacted XXXX customer service, and they confirmed that the late payment entry was a result of a clerical error on their end. The payment was applied to the wrong account, which delayed its proper processing. I have attached email correspondence from XXXX that acknowledges this mistake. 
Delay in Payment Posting by XXXX : The late payment entry is also a result of a delay in XXXXs payment processing system. Although the payment was made well in advance of the due date, it took several days for XXXX to post the payment to my account. I have attached communication with XXXX customer support, where they confirm the delay in posting the payment was due to their internal processing issues, not my failure to make a timely payment. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have noticed few months ago that there is a collection on my name XXXX XXXX XXXX, and XXXX XXXX. I contact with property manager XXXX XXXX and told her why its on my name since i never lived there. And i told her you removed or i will take you in a court she said no she want to solve issue and she offer me settlement of account. And even tbough i never live there i agree to settle this account and we have agreement and we settled that matter in her office. And she told me that she wrote a letter and email to credit bureau that they can remove. But experian updated that i owe XXXX to XXXX XXXX XXXX XXXX XXXX. I contact her again and she email me back and she said she emailed again.
Product: Mortgage

I have an FHA mortgage originated XX/XX/XXXX. The original mortgage was with XXXX XXXX. It was acquired by Caliber Home Loans less than a year later. The terms allow the MIP to be cancelled once the LTV drops below 78 %, which is did on the XX/XX/XXXX payment. From XX/XX/XXXX through XX/XX/XXXX there was anotice on my online account stating " Because your load is FHA, your MIP will be cancelled XX/XX/XXXX. No action is needed by you. '' On XX/XX/XXXX, Caliber made an MIP distribution of {$330.00} to FHA. I contacted Caliber requesting confirmation the MIP had been cancelled. Caliber acknowledged receipt of my request, but never responded to it. On XX/XX/XXXX, I received a hard copy letter stating I was eligible to " Refinance my loan and remove my MIP, saving {$4000.00} a year '' The loan was at a higher interest rate than my current loan, which is at 3.25 %. There was nothing in the letter referring to my request to confirm the MIP has been cancelled. There was nothing in the letter informing me I did not need to refinance my loan to cancel the MIP and I would be saving the {$4000.00} without refinancing to a higher interest rate. When I checked my online account on XX/XX/XXXX, another FHA distribution of {$330.00} for MIP had been made and the message that my MIP would be cancelled with no action needed on my part had been removed. I sent a follow up inquiry for an explanation and have received none thus far. NOTE : Both emails, online messages and letters have been coming to me all year pushing me to refinance at a higher interest rate than my current loan stressing I could get rid of my MIP and save " {$4000.00} a year '' and have lower mortgage payments. Never did any of these messages identify my loan as an FHA that was eligible to have the MIP removed without refinancing, how much I would save, and what my payments would be after the MIP was removed. I believe this is at best, deceptive, misleading advertising with the express intent to get more money from the customer without giving them the facts that it would actually cost the customer more as well. At worst, it is outright fraud. I would guess there are thousands, maybe tens of thousands of Caliber customers with FHA loans originated before XX/XX/XXXX that have been subjected to this same misleading advertising. And some who have undoubtedly fallen for the tricks.
Product: Checking or savings account

I was with BOA for a long time and I kept having issues when using XXXX with them I eventually closed my account with them because they allowed something one to destroy my account
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 rights to privacy and confidentiality under 15 USC 1681. 
Account name ( 1 ). XXXX XXXX XXXX Account number XXXX Original creditor Account type Child Support Date opened XX/XX/XXXX Account status ( 2. ) Account name XXXX XXXX XXXXXXXX XXXX  Account number XXXX Original creditor Account Date opened XX/XX/XXXX Account status Closed ( 3. ) Account name XXXX  XXXX XXXX Account number XXXX  Original creditor Date opened XX/XX/XXXX ( 4. ) Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX  Account type Auto Loan Date opened XX/XX/XXXX Account status Closed ( 5. ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( 6. ) Business Type : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 7. ) XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX ( 8. ) XXXX Inquired on XX/XX/XXXX Business Type : Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX  ( XXXX ) XXXX ( 9. ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, NVXXXX  ( XXXX ) XXXX ( 10. ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, NVXXXX ( XXXX ) XXXX ( 11. ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( 12. ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bulk Purchase Finance - General XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 13. ) XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX ( XXXX ) XXXX ( 14. ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX ( XXXX ) XXXX ( 15 ). XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 16. ) US SM BUS ADMIN ODA Inquired on XX/XX/XXXX Business Type : Federal Government XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 17. ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX ( 18. ) XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX # Accounts has violated my rights. 

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

15 U.S.C 1681 section 604 Section 2 : It 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 conviction of crimes which antedates the report by more than Seven years.

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

Back in XXXX I noticed All XXXX Credit Bureaus that Ive been a victim of identity theft. A fraud alert was requested at that time. As of now it seems as nothing was done. Its still multiple fraudulent accounts, address & inquiries on my files. 

The Following Address need to be removed 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX 3. XXXX XXXX XXXX Ct XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Following inquiries 1.XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6 XXXX XXXX XX/XX/XXXX The following accounts are fraudulent, per FCRA XXXX. But for some reason they keep saying its been verified. How was is verified. Because Ive never done business with these companies, or entered into a written contract. So please tell me how are you verifying this. Ive sent multiple FTC reports. Per the Federal government thats what I was told to do. No one can over ride federal law. Please Block these fraudulent accounts from my credit file 1 XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX Acct # XXXX 5. XXXX XXXX  Acct # XXXX 6.XXXX acct # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

My personal information has been leaked on the XXXX XXXX! There has been a breach
Product: Vehicle loan or lease

We had purchased a vehicle with financing through  Ford Motor Credit  for our son in   XXXX  . Since then, our son turned  XXXX  and enlisted with the  XXXX   XXXX , and was stationed in  XXXX . In order for him to get his car shipped to  XXXX  we had to apply for a transfer of equity in order to remove my husband from the loan and add my son so that he would be on the title and registration. That process, though cumbersome, worked. We were told that once the transfer was complete, we just needed to get a letter to permit shipping the vehicle outside of the continental United States. After talking to several representatives at  Ford Motor Credit  we were given conflicting information about the requirements for this permission letter. Initially, they said we would just have to ask for it once the title was transferred. Then we were told we had to obtain special "  XXXX  '' insurance ( which our insurance company,  XXXX , had never heard of ) and provide proof of this insurance, and that we needed to have the specific dates for the car leaving the  US  and an arrival date, which the logistics company was only able to estimate. During our next attempt of getting this permissions letter from  Ford Motor  credit, we were suddenly told that we have to also provide a copy of my son 's military orders. It feels like we are running in circles, chasing your own tail, in order to help our son who is serving this country.
Product: Checking or savings account

Hi, I recently tried to open a Savings account for my mother with Ally Bank. During the application, I input her SSN and other information. I answered some questions pertaining to her identity. At the end of the application, I was told that her account was under review and we would get a call back in a few days. On XX/XX/XXXX I got a call saying that Ally requested a copy of her drivers license to verify her identity. I then told them that her address is slightly different than the one listed on her DL. They then told me that was fine, but I would have to resubmit another application with the matching DL information. I did then, input her SSN, and answered all the questions again. They also gave me the fax number to submit her DL to just in case they need it for the next application. I submitted the new application and faxed in her DL on XX/XX/XXXX. On XX/XX/XXXX, I received an email at XXXXXXXX XXXX stating that 'we have been trying to reach you but have been unsuccessful. ' It goes on to say to please reach out to us regarding reference number XXXX. The email came from 'XXXX at Customer Service '. As soon as I saw the email, I contacted Ally bank. I first spoke to a representative, who told me 'I do n't know because that is n't my department ' so I then asked to be transferred to that department. I was transferred to XXXX XXXX, a supervisor. 
I asked XXXX XXXX what was needed to finish the application. She read 'the notes ' that said we needed to submit a copy of the SSN card. I then informed her that we had already submitted the DL, and asked if she had used that as verification, as it is a 'valid government issued photo ID ', which is what they request in the application. She found it and then told me that regardless, they were requesting a copy of the SSN card in order to proceed with the application. I asked why they were requesting specifically it, and she simply said that she did n't know. I then asked to see if she could check with the department that made that decision so that I could get a better idea as to why specifically it was being requested. She contacted XXXX in the Applications Department. XXXX relayed to XXXX that the SSN was required. I then informed XXXX that due to the age of my mothers SSN card, it carries the words 'not to be used for identification purposes. ' After an extended hold, XXXX came back and told me that 'we are allowed to request anything because of the Patriot Act. ' I informed XXXX that is not how the Patriot Act works, you must cite specific articles in it. She said she did n't need to. I then said that under the FDIC 1020.220 'Customer Identification Programs ' and other FDIC articles, it is not even required to use a SSN to open an account, furthermore use a SSN Card for identification. She simply said 'The Patriot Act trumps all of that. ' I asked her if Ally bank abides by the FDIC regulations, and she told me that they did n't have to since the Patriot Act was enacted.
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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dept of Ed/XXXX XXXX ( XXXX accounts ) 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report contain any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish my consumer report without my written consent.

15 USC 1681s-2 ( a ) ( 1 ) ) states 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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.