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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected and deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reasons for this. I knew I had outstanding credit. I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX  XXXX XXXX XXXX {$660.00} XXXXXXXX XXXX XXXX  XXXX {$8400.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$650.00} US DEPARTMENT OF ED XXXX {$7000.00} US DEPARTMENT OF ED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

See attached for full details on what I have sent to TransUnion recently. Each letter is dealing with a different issue that is incorrect on my consumer credit file
Product: Debt collection

I checked my credit report and I see Avante XXXX reporting a collection without validation. I sent out a debt validation letter and still have not received any form of validation. If Avante XXXX can not validate this collection within 30 days, Avante must remove from credit report.
Product: Mortgage

XXXX XXXX Mortgage Provider = XXXX XXXX Customer Service XXXX XXXX Loan Number XXXX My phone number : XXXX My email : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Dear CFPB, I paid my house off on XX/XX/2021 and am due a refund of my escrow account in the amount of {$4400.00}. I called Loan Depot on XX/XX/2021 and asked my representative when the check was mailed. The rep responded that it was mailed on XX/XX/2021 and that I should receive it any day now. I called back today XX/XX/2021 and spoke to another rep and asked them to reissue the check to me as I've waited long enough since it's been almost four whole weeks from the date the check was supposedly mailed. The rep refused to reissue the check stating that I must wait another full 30 days from the postage date before Loan Depot can reissue the check. I then asked if she could at least verify the check has not been cashed to help ease my concern. She put me on hold, I waited for 37 minutes and then the phone hung up. 

I went to your CFPB website to see what I could learn about acceptable behavior for timing of a refund of my escrow check and all I could find is that it should be mailed 20 business days post payoff of my mortgage or roughly 30 days. It's unclear to me if my refund should be delivered within 30 days from the date of my payoff? It appears Loan Depot 's position is that as long as they mailed my refund within 30 days of my payoff then they are off the hook, even if my refund was never received. I am of the vantage point that if they are going to wait the full 30 days and earn interest off of my escrow, then they should have some skin in the game to ensure my check is properly delivered, especially a {$4400.00} check. Who in their right mind puts that much money in reg mail without any form of tracking? In any event, I feel Loan Depot may be in violation of my rights as a consumer, especially if they are forcing me to wait another 30 days prior to reissuing my refund. 

Please advise if I'm being unreasonable and I'll not pursue this any further. But if the CFPB agrees that this is not reasonable then lets move forward to the full extent of my rights as a consumer. While big banks can expect my mortgage payment within two weeks of a due date and then charge me for a late fee, I feel that the favor should be returned when waiting almost two months to receive my refund. I have bills to pay, and unlike the big banks, I do not have millions sitting around in my checking account to get by on. 

All the best, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX cell
Product: Debt collection

I received a letter from the Law Office of John E. Lindner in XX/XX/2018 threatening to sue me on behalf of XXXX XXXX XXXX XXXX XXXX over debts of which I had no knowledge. The total amount of the claim was {$2000.00} and cited various charges over a three-year period. While I was working to resolve the billing issues with XXXX and my insurance company, the debt collector filed suit and set a court date. Between my insurance and myself, the majority of the debt was paid. However, my insurance advised me that they do not see any reason I would owe the additional amount. I wrote the debt collector, including proof of payment for the debts that my insurance company found to be legitimate, and requested details on the other debts. Given the billing issues I had already experienced with XXXX and the fact that I never received a bill in that amount and my insurance company does not show a copay in that amount, I need proof that this is a legitimate claim. The debt collector did not provide details on the claim in a timely manner and continued with the law suit knowing that the debt was being addressed. When I called the debt collector the Friday prior to the scheduled court date, the debt collector refused to cancel the court date and law suit despite a major portion of the debt having been paid and them failing to provide details on the additional charges.
Product: Debt collection

I contacted Amsher collection services and made them aware of the identity theft and made it clear to them that it wasnt my account and sent them all information and FTC identity theft report and they have taken no action to remove it or resolve the issue
Product: Checking or savings account

So I have had an account with Wells Fargo since 2016, and may have experience wrongful amount for overdraft fee.
Product: Debt collection

On XX/XX/XXXX I requested a copy of the original contract I have with Resurgent/ LVNV FUNDING to collect this debit. This was sent by USPS TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX. As of XX/XX/XXXX I did not receive this document.
Product: Debt collection

XXXX calls to phone number reassigned to us 6 months ago. Previous phone number owner named in complaint. Told agent he had wrong number and he agreed to remove us from further calls, but calls continue. Fed up with their calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report. They said that they did and everything was accurate. However when I went over it myself and did my own research I found a host of inaccuracies and inconsistencies on my report. The following accounts which have been disputed multiple times since XX/XX/XXXX until the most recent 6 or 7th letter at this point cent via certified mail on XX/XX/XXXX, I have even called Equifax and been told they never received a dispute when I disputed said account XX/XX/XXXX online via there website. I was then told I don't have an account with them and asked if I was sure it was them. I have received stall letters instead of compliance. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX In accordance with the fair credit reporting act the account numbers above has violated my rights. XXXX5 US C 1681 section 602 A states that I have a right to privacy.

15 USC 1681, section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. Which I did not provide for the above mentioned accounts.

In addition to the violations above pursuant 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or UnveriUnderfiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete
Product: Credit card or prepaid card

BOA closed my account without warning and now they wo n't pay me my cash rewards points that they owe me for this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX refuses to accept my Identity Theft report from the police. They are refusing to place a 7 year freeze and a 7 year fraud alert on my credit file. I have made numerous attempts to resolve this, was charged {$5.00} and was assured by XXXX and XXXX ( reference number XXXX ) that Experian would refund this money once they received a copy of the Identity theft Police Report. Military ID with social security number is attached. Please let me know if I must get a Senator or President Trump to assist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address.

I have included the following information : Copy of my photo ID Proof of current address Thank you for your prompt attention to this matter. 


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

Creditor is KNOWINGLY reporting an account XXXX XXXX XXXX XXXX that is incaccurate. I will dispute this until this is addressed or I will file a complaint with FTC and XXXX Attorney General. 

I have reached out about the account the creditor is reporting the address on this account that does not belong to me, this is also being reported as a debt that was paid as company cancled debt with XXXX and the debt was reported as taxable income and paid on my tax return there fore this is not a debt. 

The credit agency refuses to disclose whether they validated the information by performing an investigation I was told they do not have to validate the information as long as creditor reorts the debt This is a direct violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

of XX/XX/XXXX i submitted account verification and the source of the information for the second time. 
TransUnion never answered me the first time, XXXX and XXXX answered " The company that reported the information has certified to XXXX that the information is accurate '', but never inclosed where did they get their information or who is the source of their information. 
it is a public record from the BK court, the court never chairs my information with any credit report as well as XXXX XXXX has taken this information of their record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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, credit repair services, or other personal consumer reports

This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The dealership did not follow through with what they said they were going to do which was fixed the vehicle that was broken before I bought it. That was a condition of me buying the vehicle for them to fix it. The manufacturer did not make the part to fix the vehicle anymore so instead of them, just taking the vehicle back unwinding the deal on that vehicle and setting something up to maybe purchase something different. They wanted me to keep a broken vehicle. They wanted me to keep a vehicle that 65 % of the car was controlled by this head unit which is the touchscreen of the vehicle controlled the AC climate control features XXXX XXXX back up radio 65 % had its own Wi-Fi signal. None of that worked Because the head unit was broken. I bought the vehicle on XX/XX/XXXX of 2023 and never had it. I requested the dealer jacket from them. They wouldnt give it to me. I tried to resolve this multiple times with the used car manager, XXXX nothing went through nothing ever happened XXXX the finance manager Im guessing she refused unwind the deal. She thought it was nice of her to make me try to keep a broken vehicle. She was the one that told me that I couldnt just leave and walk out that night when I was there, the last one literally was there was me and XXXX and XXXX, my sales XXXX, and she actually told me that I wasnt allowed to leave no not lying so I was misled to believe that something was supposed to happen that didnt and then on the paperwork it says that I bought the vehicle from XXXX XXXX XXXX which I never went to XXXX XXXX I was at XXXX XXXX the door sticker and the window sticker on the vehicle said XXXX XXXX and that the vehicle was never in any accidents and Will had been into accidents before I owned it Attempted to buy it however you wan na put it its on my credit thats what XXXX care about. I want it off my credit. I want my money. I never paid the first payment nor did I take delivery of the vehicle because I wasnt gon XXXX XXXX around in a vehicle that could not control the AC the radio everything that I described meanwhile it was only worth about I believe is less than {$10000.00} with a broken head unit The loan is {$22000.00} so {$2000.00}. Thats a big difference. Ive attempted to resolve this with them for the past year and a half and Ive gotten nowhere but laughed at left to sit in the in the waiting room for four hours at the dealership, nobody has helped me, I paid {$1400.00} for Lawyer because its been over a year since Ive had them send the documentation and demand letter to XXXX XXXX which is XXXX enterprises XXXX and XXXX XXXX is owned by XXXX real estate XXXX The whole situation to me was an exact was a scam. They took advantage of me totally and I was told that I could not leave the finance office that I wasnt allowed and that I was told that I needed the key. I was gon na have to keep the vehicle that oops no big deal. Well, thats just not gon na happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX with the fair credit reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 
- 15 U.S.C 1681 section 602 A states I have right to privacy.

- 15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 
-15 U.S.C 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 opened a XXXX dollar secured credit card with XXXX XXXX in XX/XX/2016. In XX/XX/2016 my balance was XXXX I called XXXX XXXX and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.
Product: Credit card or prepaid card

I have set up the auto pay for Bank of America credit card for pay amount due when bill is received. However it turns out it only auto pays the minimum amount due. As a result, the balance builds up quickly and boa starts to charge a lot of interest on my account. Within three month, it charges me about 10, 20 and 30 dollars for interest.
Product: Credit reporting or other personal consumer reports

I opened a Bank of America XXXX XXXX Credit Card last year in XXXX. I used this card a couple of times then immediately locked the account. Locking the card means charges can not go through. I left the card alone for a couple of months. Whne I checked the card I noticed there were charges of an estimated amount of XXXX. Unfortunately, a {$10.00} missed payment led to a significant drop in my credit score, despite my long-standing history of responsible account management on my Bank of America XXXX XXXX Credit Card XXXX 

I immediately called Bank of America to mitigate this issue. The representative said he could close the account to take away the missed payment and unknown charges, so I closed the account. However, the missed payment led to a significant impact on my credit score that I was not aware of. I contacted Bank of America on XX/XX/XXXX, and XXXX all to POCs that were given to me over email ( so I have email evidence of this communication ). I was supposed to have a resolution by Bank of America however no one has come forth since the initial conversation, even though I was promised a resolution. 

This negative mark has had an outsized impact on my credit score impacting my ability to purchase a first home. 

I am asking for assistance to help me find a solution by making an adjustment to my Bank of America Credit Card so that it wont impact my credit report score, which was XXXX missed payment of {$10.00}. 

Thank you for your time and consideration. I would greatly appreciate any assistance in resolving this matter and look forward to your response.
Product: Checking or savings account

I had a charge that was not supposed to go through. The charge was normally an automatic charge for a bill payment that was supposed to be taken off automatic. When the automatic payment went through, it over drew my account. When I spoke with the bank to try to get future transactions from hitting the account so I would stop any excessive fees, they said that business accounts could not do that and that there was nothing they could do. I was charged overdraft fees for a few transaction that were paid by the bank, then they stopped paying the debits and charged me Return Item Fees. 

XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} I wasn't concerned at first, because it was just putting the account more into the negative with these excessive fees. I was still using another account with the bank that was not being affected. Then on XXXX, they virtually emptied my other account to cover all those fees. I was mortified! I spoke with someone at the bank that was able to stop debits from coming out of my account with a single click on his computer. I was befuddled as to why that was never done before?! He maid a complaint on my behalf about the issue and when someone did reach out to me about it, they told me that what the representative did in the bank to help me was not supposed to have been done. The feature that he used to stop the fees could not be used to stop fees. She also told me that they have a process to spot excessive fees but only if there are three or more transactions per day. So even though they clearly have charged me excessive fees, there is not process to stop it. They charged me all that money to NOT pay debits, and the one thing that could stop it is not supposed to be done to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXX