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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX  - Date Opened : XXXXXXXX  - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and Experian. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

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

Dear CFPB, I am submitting a 3rd request for deletion and removal of bankrupticies on my credit report from the following. 
XXXX XXXX Nevada XXXX Alabama Due to the follwing reasons i have researched and contacted the FCRA to get involved. My findings are as followed. 
1. There are no accounts on my credit report that shows ( Included in Bankruptcy ).

2. I have no negative reporting accounts on my credit file.

3. There has to be creditors to include in Bankruptcy. I have none.

4. I called both courts and they advised they do not give out information to 3rd parties.

4. Bankrupties were verified thru 3rd party XXXX XXXX.

5. How can you report inaccurate information, where are the creditors that were included in both bankruptcy? 
There is nothing on my credit reports that shows proof of any accounts included in Bankruptcy. I demand immediate removal of these fraudulent public reports from my credit file. Where is the proof other than my name, ss # that was given. 
***There are no accounts on my credit report to support this information is accurate. ***********************
Product: Consumer Loan

When my new car was totaled, the dealership refused to acknowledge my repeated requests to cancel my Maintenance Program Upgrade Agreement for a full refund, in accordance with the terms of that contract, despite XXXX letters and XXXX emails requesting the same. The lienholder never received the refund and has sent the account to collections.
Product: Credit card

My complaint concerns a fraudulent and misrepresented hotel booking facilitated by XXXX. I booked a hotel through XXXX ( XXXX by XXXX XXXX XXXX, XXXX - XX/XX/year> thru XXXX ; Price {$730.00} ) based on XXXX  advertised amenities and conditions. Upon arrival, I discovered that the hotel was still under construction, lacked promised amenities ( pool, gym, alcohol license ), and was unsafe due to active construction noise. Additionally, I witnessed blood on the ground just steps away from my room, further making us feel unsafe and uncomfortable. 

I attempted to dispute this charge through Chase ( my credit card issuer ) under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) for services not rendered as promised. However, Chase declined the dispute, stating that I stayed the entire time and therefore received services.

Chases reason for denial is flawed because : - I had no reasonable alternative upon arrival. I had already paid for my stay, and the hotels unsafe, misrepresented conditions were only discovered after check-in.

- The hotel was in an unlivable condition, making " staying '' under duress different from voluntarily accepting the service. 

- XXXX canceled my reservation AFTER my stay, acknowledging that the booking was invalid. 

Under the Federal Trade Commission Act ( 15 U.S.C. 45 ), XXXX is legally responsible for ensuring that services advertised on its platform are accurate and not misleading. 

The Fair Credit Billing Act ( 15 U.S.C. 1666 ) allows disputes for services that were not as described, even if the service was used. In this case, I was forced to remain at the property only because XXXX and the hotel failed to disclose critical, unsafe conditions prior to my arrival. 

Requested Resolution : -- A full refund of my booking cost, as the services were not rendered as advertised -and the hotel was unsafe.

-- A review of Chases handling of this dispute, as their rejection contradicts the consumer protections under FCBA. 
-- A formal investigation into XXXX misleading advertising practices for hotel bookings.
Product: Credit reporting

I submitted a dispute with Experian regarding information on my personal credit report on XXXX XXXX, 2015 and shortly afterwards, they sent me a letter stating that they received a suspicious request. I called Experian and was informed that they would not re-open the investigation and that I needed to submit another dispute. As I am aware of the stipulations of submitting a XXXX dispute within 30 days, I waited until XXXX XXXX, 2015 and then submitted a new dispute regarding the same information. They did not respond at all to my dispute letter and I even provided them with the identification documents that they requested.
Product: Mortgage

In XX/XX/year>, I applied for a mortgage with Citi Bank ( Mortgage Application ID : XXXX ) to purchase a cooperative apartment. My mortgage was pre-approved in XX/XX/year> ( See Exhibit 3 Citi Mortgage Pre-Approval Letter ). However, Citi Bank failed to notice that my building was no longer on their approved list, as its approval had expired in XX/XX/year>. 

Citi Bank only discovered their mistake in early XX/XX/year>, after my co-op board had approved my application ( See Exhibit 4 Co-op Approval Letter ), and I was prepared to close. Due to Citi Banks internal error, my mortgage closing was delayed from early XXXX to XX/XX/year>, as shown in the Final Closing Disclosure ( Exhibit 5 ). 

I was originally eligible for Citi Banks {$7500.00} First-Time Homebuyer Credit , because my salary at the time of application was {$120000.00} at XXXX ( See Exhibit 6 Proof of $ XXXX Income ). 

However, due to Citi Banks processing delays, I started a new job on XX/XX/year>, with a higher salary of {$120000.00} at the XXXX XXXX, making me ineligible for the credit ( See Exhibit 7 Proof of New $ XXXX Income ). As a direct result of Citi Banks mistake and delay, I lost {$7500.00} in expected financial benefits that I would have otherwise received. 

When I raised this concern, Citi Bank explicitly assured me via email that I would still receive the homebuyer credit, despite the delay ( See Exhibit 1 Citi Email Promise ). 
However, just days before my closing on XX/XX/year>, Citi Banks underwriting team suddenly denied the credit, directly contradicting their prior assurance ( See Exhibit 2 Citi Email Rejection ). 

I escalated the issue to Citi Banks executive hotline, but they refused to address the matter. Citi Banks inconsistent communication and failure to process my mortgage correctly caused a direct financial loss of {$7500.00}. 

Please note that my current legal name is XXXX XXXX XXXX, but some documents may list my previous name, XXXX XXXX. This is due to a legal name change on XX/XX/year>. Exhibit 8 contains official documentation verifying this change.
Product: Credit reporting or other personal consumer reports

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im XXXX business days of receipt Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, 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. 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: Mortgage

CapitalOne XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/16 with CapitalOne. CapitalOne finally got around to ordering the property value 2 months later. It was completed on XXXX/XXXX/16 but there is a major problem - it was done for a property IN ANOTHER STATE. NOT the subject property. Attached are our call logs and a copy of the value done by CapitalOne for a property in the wrong state. 

To date, CapitalOne has done nothing whatsoever to obtain a value on the correct property and with each phone call prove themselves more and more incompetent and unable to answer simple logical questions. 

We are going into the third month of this short sale. Every single time we call we get a different story on the status or why they ca n't move forward, or some other infantile excuse from the short sale department. It is obvious they are defrauding their investors and committing servicing fraud by purposely delaying a decision on the file in order to collect the 'double ' servicing fees they automatically receive for servicing defaulted loans. 

Since CapitalOne has proven so incompetent as to be completely unable to do a simple task such as order a property value for the correct property, how can anyone condone their continued existance in the real estate and financial business?
Product: Vehicle loan or lease

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Your Email Address ] [ Your Phone Number ] [ Todays Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dear XXXX, I am writing to raise a concern with the Consumer Financial Protection Bureau ( CFPB ) regarding the financing terms associated with my vehicle loan through GM Financial XXXX The account number is xxxxxx, initiated on XX/XX/year>. 

Upon reviewing the details of my account, I observed that the loan term spans XXXX  months, with a monthly payment of {$900.00}. Additionally, the interest paid last year amounted to {$36000.00}, with an APR of XXXX  %. The vehicle is identified by the Vehicle ID Number xxxxxxxxxxxxxxxx. 

While I appreciate the opportunity to finance my vehicle through GM Financial and value the benefits of the My GM Rewards program, I am concerned about the significant financial burden associated with the loan terms. The high APR and lengthy loan term have resulted in substantial interest payments and monthly payments that are challenging to manage. 

I kindly request the Consumer Financial Protection Bureau 's assistance in reviewing the financing terms and addressing this matter. As a consumer, I believe it is essential to ensure fair and transparent lending practices that prioritize consumers ' financial well-being. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will thoroughly investigate and take appropriate action to address my concerns. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent at address fraud on their platform, leaving my account vulnerable and unprotectedFurthermore, their dispute resolution process. was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I sent a dispute letter to XXXX XXXX XXXXXXXX, via Certified Mail. The letter I have added a screenshot of the United States Postal Service mailing information for said letter within this mailing as proof. I have also included a copy of the original letter received. My initial letter stated the following Upon reviewing my Transunion, XXXX, and XXXX credit reports, I see that your company has reported a delinquent account in my name, with an unpaid balance of {$1000.00}. This account is currently showing as a collections account on all 3 of my credit reports, and has had a negative impact on my ability to receive credit approvals. 

I do not take any responsibility for this debt. I have no recollection nor any written proof of ever applying for or opening accounts whereby these funds would be charged to me. I do not believe this account belongs to me, and I demand it be removed from all 3 of my credit reports immediately.

I am reaching out via this letter, demanding to see Verifiable Proof in the form of an original consumer contract with my signature on it, along with any and all supporting documentation pertaining to this account belonging to me. 

I am aware that according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), it is a federal law requirement that physical verification of the original signed consumer contract be performed to ensure accuracy of any and all debts. I am also aware that by law, your company has 30 days to complete this investigation and to mail the requested documentation back to me. 

Enclosed are copies of my credit reports, showing this account for your review. Please investigate and mail the requested documentation to me as soon as possible. 

Your immediate attention to this matter is appreciated. 

At the time I am writing this letter, it is now XXXX XXXX XXXX  ; 31 days after my initial letter was received by XXXX XXXX XXXX I have also enclosed a copy of my credit report dated XXXX XXXX XXXX which shows that the disputed account below has not been removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I have been a victim of a data breach, which has compromised my personal information. The entries detailed below are fraudulent, and under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked from my credit file. 
XXXX Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$710.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$970.00} XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$400.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$590.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$450.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$330.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$630.00} Unauthorized Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX
Product: Debt collection

DEBT RECOVERY SOLUTIONS Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account Balance : {$1100.00} Consumer Statement : Placed for collection This company has been harassing me by telephone and contacting family members about a debt that has already been placed on my credit by 2 other Collection agencies.. Every XXXX months they submit a new hit to my credit and act as if the account is new the account is a old account at least 6+ years and they keep hitting my credit with the same old bill and it has already been submitted and attached to my credit report. they will not remove it i have tried to dispute it due to already being on my report and they will not listen they just keep submitting it as a new debt multiple times causing my credit score to crash XXXX pts each time for same bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX  : XXXX XXXX has violated my rights. 

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

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

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

Dear XXXX XXXX XXXX Department, I hope this letter finds you well. I am writing to request a one-time exception on my credit reporting due to a misunderstanding related to the payments for my XXXX XXXX trial period and subsequent permanent modification. 

In XX/XX/year>, I was approved for a XXXX XXXX trial with XXXX consecutive payments of {$3500.00}, ending in XX/XX/year>. In XX/XX/year>, I was officially approved for the modification and received my new agreement, with the first modified payment of {$3600.00} due in XX/XX/year>. 

After receiving this information, I contacted XXXX customer service to confirm the new payment amount, as I had seen a discrepancy on the portal. The agent explained that the change from {$3500.00} to {$3600.00} was likely due to escrow adjustments. Based on this clarification, I made my XXXX payment of {$3600.00}. 

However, on XX/XX/year>, an escrow annual disclosure statement was created, and the escrow amount was revised again, increasing my new payment to {$3700.00} starting XX/XX/year>. I scheduled my XXXX payment for {$3700.00} accordingly. 

Unfortunately, this series of adjustments led to an unintentional issue. I recently discovered that my credit report reflects a late payment for XX/XX/year> because my payment of {$3600.00} was {$56.00} short of the revised {$3700.00} amount. I was informed that the {$3600.00} payment was placed in suspense, and my XXXX payment of {$3700.00} was applied to XXXX instead. 

Upon contacting XXXX, an agent reviewed the situation, acknowledged the confusion caused by the varying payment amounts, and assisted by removing the late fees and resolving the {$56.00} discrepancy. I was assured that my scheduled payments are now correct at {$3700.00} moving forward. 

Given the circumstances, I respectfully request that XXXX make a one-time exception and update the credit reporting for XX/XX/year> to reflect that my payment was made on time. This discrepancy was not intentional, and the confusion stemmed from the changes in payment amounts during the transition from trial to permanent modification. 

I appreciate your understanding and assistance in resolving this matter. Please let me know if any additional documentation is needed to support my request. 

Thank you for your time and attention to this issue. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a credit dispute regarding account XXXX to all three Credit Bureaus. However, the results I received indicated that the account had been charged off as bad debt. This contradicts the previous information on my credit report, which stated that the debt had been included in my bankruptcy and should have been removed. The Credit Bureaus inaccurately updated the information to reflect the account as charged off as bad debt on my new report. 

Furthermore, Equifax indicated that the account was charged off in my bankruptcy but still showed on-time payments. I have not received proper verification or documentation from the Credit Bureaus to substantiate their findings in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681 standards.
Product: Bank account or service

CHASE USING XXXX I deposit a check on XXXX/XXXX/2016 and Chase decided to put a hold until XXXX/XXXX/2016 when the check was from the same institution, yet on the XXXX/XXXX/2016 received confirmation from the check issuer proof that the check was cash and clear their account. 
I find this very deceiving not a good business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a bunch of hard inquiries that I did not apply for those cards or services