23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity-theft. Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX , XXXX , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your company 's unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 1. XXXX XXXX XXXX bal. {$77.00} 2. XXXX XXXX XXXX bal. {$1400.00}
Product: Credit card or prepaid card

My Best Buy credit card was charging a debt protection fee. I shouldve cancelled earlier, but I wasnt aware Im needing a refund for the amount paid into this fraudulent fee
Product: Debt collection

My identity was stolen to open accounts in my name fraudulently. I have already disputed this account and it was removed from my file as not being mine but it was reinserted. The account in question is XXXX XXXXXXXX -- -- XXXX I have been the victim of many accounts open in my name fraudulently and apart of a data breach that has exposed my information. The address that are on my credit file is not mine and have never lived : XXXX XXXX XXXX XXXX, WA XXXX
Product: Mortgage

I have been working with my mortgage company on a request to modify the mortgage. I 've submitted financials and the request several times I 've spoken with 3 servicers trying to save my home. My mother XXXX a year and a half ago from XXXX and I 'm her son that is living in the property. I recently received a property foreclosure notice from XXXX XXXX XXXX stating my property is going to be sold in a property foreclosure sale XXXX XXXX,2017. Please, Please, Help. The letter I received to validate the debt did not show my servicers were three deferent servicers I have not received the foreclosure notice from the servicers as stated on the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from identity XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX  XXXX {$540.00} XXXX   XXXX {$500.00} XXXX XXXX XXXXXXXX {$900.00} XXXX   XXXX {$490.00} XXXX  XXXX {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00}. XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXXXXXX 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

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than XXXX  days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a debt with aldous debt collectors and the inquiry is still coming up on my credit report, which is effecting my credit for buying a house. it was paid in XXXX of 2022. I called the company and asked them to take it off my credit report or give me proof that the account is paid and they wouldn't, and said that they already sent proof. The account number was # XXXX
Product: Credit reporting or other personal consumer reports

XXXX ACCOUNT # XXXX XX/XX/year> AMOUNT {$XXXX} XXXX RAN OFF THIS ACCOUNT AS A LOSS ( CHARGE OFF ), IT SHOULD HAVE NOT BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECTED THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECIVED A XXXX CANCELLATION FORM FROM THEM AND BECAUSE OF THIS ACCOUNT IS NOT ACCURATE AND IR SHOULD SHOW A XXXX BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had trans union to investigate a account on my credit report twice and they refuse to investigate it properly under the fcra guildlines my third go around I talk to a XXXX XXXX XXXX supposedly a supervisor which refuse to also investigate it with a phone call to the crediter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed accounts that was report accurately that I was in fact I paid on time the consumer reporting agency need to report all information with compliance accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates my report inside is the date in month 15 USC Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Money transfer, virtual currency, or money service

Cash App indicated through its platform that deposited funds would be available within four business days. However, upon contacting customer service, I was informed that the timeline is actually 4-8 business days. This discrepancy caused financial hardship as I planned transactions based on the originally promised timeline. Such contradictory information constitutes misleading practices under the principles of the Federal Trade Commission Act. Additionally, while Regulation CC primarily governs traditional financial institutions, I believe Cash App 's fund availability disclosures should align with the transparency required of financial service providers under federal law.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of an inaccurate entry from my ChexSystems report regarding a XXXX account. The report incorrectly indicates that the account was charged off, which is not accurate. The account had a brief overdraft of {$300.00}, which was promptly paid in full. 

Account Details : Bank Name : XXXX XXXX Issue : My ChexSystems report inaccurately shows a charge-off status for this account. This is incorrect as the overdraft was settled in full shortly after it occurred. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported must be accurate and reflect the true status of the account. 

Consumer Protection Law : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information on my report. Additionally, Section 623 ( 15 U.S.C. 1681s-2 ) requires that information furnishers maintain accurate records, and any inaccuracies must be corrected or removed. 

Request : Given that this account was not charged off and was fully paid, I request that ChexSystems remove this erroneous charge-off entry from my report. The incorrect information is adversely affecting my credit profile and needs to be rectified.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : 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

I have disputed this account, filed a police report, and submitted a FTC complaint. I recently pulled an XXXX  credit report, upon reviewing my credit report in XX/XX/XXXX, I noticed a Bank of America mortgage account # : ( XXXX ) balance : {$430000.00} opened XX/XX/XXXX this is either a mis-print or a fraudulent account. There was also a host of inquiries as well included here : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  XXXX ( XX/XX/XXXX ) & ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I did not apply for credit with any of these companies nor have allow anyone else to use my credit or social security number to apply for credit with these companies.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Clarity Services . Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services XXXX, a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, there are numerous discrepancies in the information reported across credit bureaus : Last Verified : Two accounts lack a " Last Verified '' date, which affects the accuracy and completeness of the data. 
Closed Date : Only XXXX shows a " Closed Date, '' while Experian and XXXX do not provide this information. 
Account Rating : XXXX marks the account as " Closed, '' whereas Experian and XXXX indicate " Paid. '' Account Details : Account Name : XXXX XXXX Account Number : XXXX High Balance : {$14000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Paid Payment Status : Current Two-Year Payment History : 30-day late payment inaccurately reported for XX/XX/XXXX. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment for XX/XX/XXXX from my credit report. Additionally, I request that Experian address the discrepancies in the " Last Verified '' date, " Closed Date, '' and " Account Rating '' fields to ensure consistency and accuracy across all accounts. 
I expect to receive written documentation confirming the removal of this entry and correction of discrepancies within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am writing to bring to your attention a pressing matter involving XXXX XXXX XXXX and a late payment discrepancy that has adversely impacted my credit. I believe XXXX has failed to uphold their commitment to rectify this issue, and I am seeking your assistance to ensure a resolution. 
In XX/XX/year>, I purchased a vehicle from XXXX and promptly informed them of my change of address within the first XXXX months. Approximately 45 days after the purchase, I realized I had not received a billing statement. Concerned, I contacted XXXX to inquire about the status of my payments. To my surprise, I was informed that no payment had been received. 
Upon escalating the matter to a supervisor, I was informed that XXXX had experienced a software glitch the previous month, affecting both payments and statements. Despite being assured that the late payment would be removed as a courtesy, I recently discovered that it still reflects on my credit report as of XX/XX/year>. 
XXXX XXXX XXXX XXXX .... Date Opened XX/XX/year> Balance : {$51000.00} Late date:XXXX  I kindly request your intervention to prompt XXXX XXXX XXXX XXXX XXXX their commitment and rectify this discrepancy promptly. I believe their failure to uphold their word has negatively impacted my credit score, and I seek your assistance in ensuring they follow through with their commitment. Enclosed with this letter, please find relevant documentation supporting my claims, including proof of address change notification and previous communication with XXXX.
Product: Credit reporting or other personal consumer reports

I noticed a collection on my credit report. After researching I determined that this was an account from XXXX that should not be on my credit. There is now an attorneys office that is calling requesting payment and threatening lawsuits. The dates shown on my report are from XXXX and again this account was closed in XXXX. I contacted creditor to ask why I did not receive a XXXX when charge off was done and asked for them to mail me the account information. This was done back in XXXX of XXXX. Then - after 4 months XXXX XXXX and XXXX appeared on my credit report with this account but showing it was opened in XXXX of XXXX. This account can not be shown as a new account per the Fair Credit Reporting Act. Please remove this from my credit immediately.
Product: Debt collection

XXXX XXXX has repeatedly made calls to my office extension during the month of XX/XX/2019. On Thursday, XX/XX/2019, XXXX XXXX XXXX made multiple calls to my extension. When they could not reach me on my direct line, they called the front desk and called other extensions. They also made harrassing calls to three of my co-workers on their personal cell phone ( not work related ). I never gave this company numbers of my co-workers. I did not even know my co-workers ' cell phone numbers, so there is no way that I gave this company their numbers as a reference. So that means that they had to breach the privacy of my co-workers to find their personal cell phone numbers. This is despicable and can not be legal! On Friday, XX/XX/2019, I emailed, faxed and mailed XXXX XXXX XXXX  a letter telling them to only contact me in writing.
Product: Debt collection

I have told them I will not have a job until after XX/XX/XXXX, that I am in school, and in training. They call while I am in school, and in training disrupting that, and I have told them I XXXX in XX/XX/XXXX, and I wo n't have a Job until after that, and to leave me alone until after that. I can not pay if I can not work, and I can not work while I am in school. I am taking steps to obtain a job, but they are not listening to me.
Product: Checking or savings account

When i opened account on XX/XX/2020 i was told this was a senoir account, and would not be charged any fees, when I saw fees i went into branch to fix this and clsoe account on XXXX they told me they woudl refund fees if i kept account open and switch to paperless billing filled complaint XXXX my account was put on hold many times where i had to go in branch to unfrezze account and that when they refused to cnacle
Product: Mortgage

XXXX XXXX XXXX XXXX, OH XXXX Tried to refi and the made it very difficult and used my race to determine the rate along with I gave them every document they asked for. I have never been late on the mortgage over ten years. I finally told the to cancel it bc of the harassment from everyone that contacted me. 

Spoke to many people over a XXXX refi. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - lost her number bc she called so much
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to seek assistance from the Consumer Financial Protection Bureau regarding ongoing issues I have been experiencing with Experian, XXXX, and XXXX. Despite my repeated efforts to dispute late payments and incorrect information on my credit reports, I have encountered significant challenges in rectifying these errors. 
I believe that I have been subject to unfair treatment by these credit reporting agencies, as my attempts to correct inaccuracies on my credit reports have not yielded the desired results. I have diligently followed the procedures outlined by the credit bureaus, including submitting dispute letters and providing supporting documentation. However, my disputes have often been met with delayed responses or dismissive actions, resulting in continued inaccuracies on my credit reports. 
The inaccurate information on my credit reports has had a detrimental impact on my financial well-being, affecting my ability to secure loans, obtain favorable interest rates, and even secure employment. Despite my efforts to maintain responsible financial practices, these errors have unfairly tarnished my creditworthiness. 
I kindly request that the Consumer Financial Protection Bureau investigate my case and intervene on my behalf to ensure that Experian, XXXX, and XXXX rectify the inaccuracies on my credit reports promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that your organization is committed to ensuring fair treatment for consumers like me, and I trust that you will take the necessary steps to address this matter. Please inform me of any additional information or documentation you may require to assist in resolving this issue. 
I appreciate your prompt attention to this matter and your commitment to upholding consumer rights. I look forward to a timely resolution and the restoration of accurate information on my credit reports. 
Thank you for your assistance in this matter. 

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

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Debt collection

I do not have a signed contract nor any contract with this company. I have the right and by law demand to see a signed contract between myself and this company or request for them to immediately remove the damaging account for {$1100.00} they have showing on my XXXX, XXXX and XXXX  credit reports. Also, in looking into this company I see they were not even registered in my state to be collecting funds from anyone. Further I have already attempted to send letters to both the collection agency and each of the credit bureaus and all three accounts still remain and I feel as if I am unjustly being asked to suffer and or pay a debt that is not mine so that I am not further damaged. I have yet to receive a letter or a phone call with any proof validating this debt which is to be done by law. I am coming to CFPB with a desperate attempt to get this rectified. Thank You
Product: Mortgage

My Closing Disclosure misrepresented the Mortgage Insurance payment, it was in fact a SFH Guaranteed Annual Fee which was never disclosed to me. 
1. The {$140.00} monthly payment is not Mortgage Insurance as listed on the Closing Disclosure, it is an SFH Guaranteed annual fee charged by the USDA to the lender who passes this fee on to me, for the life of the loan. 
2. The stated purpose of this annual fee is to allow the Agency to reduce the upfront guarantee in Sec. 3555.107g. 
3. In addition, the Payment letter issued by Envoy Mortgage LTD XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX lists the XXXX payment as PMI. See attached. 
4. Envoy mortgage LTD. Sold my mortgage to : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
5. This annual fee of {$1700.00} ( {$140.00} mo ) does not show in my escrow account with XXXX. 
6. PMI can be removed once LTV is at 80 %, which I am at. The annual fee of {$140.00} is for the life of the loan which I did not agree to. 
7. I paid the Upfront Guarantee Fee of {$9600.00} thinking this was the only fee for the loan. 
8. The SFH Fee is an additional 8.9 % charge to my principal and interest. I was never informed of this and only discovered what this Fee was by requesting the PMI be removed from my monthly payment at XXXX. See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX, submitting this SECOND complaint against Equifax Information Services, LLC and there is no third party involved. As of XXXX, XX/XX/XXXX at XXXX XXXX  EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as of now. If your company does not delete these account within XXXX business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : BANKRUPTCY XXXX Delete and purge all Hard inquiries. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above.