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

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts 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. 

XXXXXXXX XXXX XXXX XXXX  XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Request for Immediate Deletion of Unauthorized Inquiries from Consumer Report Dear Sir/Madam, I am writing to formally dispute the presence of certain unauthorized inquiries on my consumer report maintained by your agency, which violate my rights as a federal protected consumer under the provisions of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I request that you take immediate action to delete these items from my consumer report in accordance with the applicable laws and regulations. As a diligent consumer, I have thoroughly reviewed my consumer report and discovered the presence of inquiries that have been reported without my written consent, thereby contravening the provisions outlined in 15 U.S. Code 1681c-2. This violation is not only a breach of my privacy rights but also undermines the fundamental protections guaranteed to consumers under the U.S. Constitution. Moreover, in accordance with the " saving to suitors '' clause as prescribed in sections 41 ( 3 ) and 371 ( 3 ) of title 28, U.S.C., I am asserting my rights to seek resolution of this matter through appropriate channels. The fraudulent reporting of these inquiries is in direct violation of the principles enshrined in the U.S. Constitution, which upholds the sanctity of individual rights and protections. I kindly request that you promptly investigate this matter and initiate the necessary steps to delete these unauthorized inquiries from my consumer report. It is crucial that your agency takes immediate action to rectify this error, as the presence of these inquiries is not only inaccurate but also has the potential to impact my creditworthiness and financial well-being. Please find my information below for reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Email Address : XXXX I expect your full cooperation in resolving this matter expeditiously, within the prescribed timeframes as defined by the Fair Credit Reporting Act ( FCRA ). Failure to comply with these legal obligations may leave me with no choice but to pursue further action to protect my rights as a consumer. I would appreciate a written confirmation acknowledging receipt of this dispute letter and providing an outline of the actions you intend to take to address this matter. Furthermore, I request that you provide me with a copy of my updated consumer report once the unauthorized inquiries have been removed. Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism, adhering to the legal guidelines and your responsibilities as a consumer reporting agency. Capitol One provided misleading promotional articles Yours faithfully,
Product: Credit reporting or other personal consumer reports

I've had an account with Dillards for 6 years, never a late payment I've got aut pay. XX/XX/year>, Dillards changed banks from XXXX XXXX to citi. My auto pay did happen due to this change and now they put it on my credit. They keep telling me that they didn't charge me a late fee, which I would rather have then a credit problem. How is this ok?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( 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 measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected, further more their dispute resolution process was unfair and deceptive and they did not comply with error resolution requirements under the electronic funds transfer act ( efta ) and regulations e these actions have caused significant inconvenience and financial loss and I seek appropriate regress for these violations
Product: Mortgage

ChaseRelief of Stay application is complete negligenceAs the property information provided to bankruptcy court is not my homeChase also notes no notice was sent regarding bankruptcy this is false as wellWAMU was my creditor not CHASEChase would not be listed as CHase has confirmed no NEW servicer notice was sent to me at no time in the last quarter of XXXX as required. 
However CHase knew to appear and apply for Relief of stay and granted based on a negligent untrue application with the wrong property - not my home. 
The appraisal completed by/hired and approved by Chase during the bankruptcy was XXXXXXXXChase Sold home for a little over XXXX milIt appears Chase deceived bankruptcy court
Product: Debt collection

Pro-Collect XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Formal Dispute of Debt and Reporting Inaccuracies To Whom It May Concern, I am writing to dispute any and all debts alleged to be owed to your agency. Additionally, I have identified multiple inaccuracies on my credit report that are directly linked to your agencys reporting. These inaccuracies are in violation of federal laws and have negatively impacted my creditworthiness. Remove them immediately or legal action will be taken!

Pursuant to 15 U.S. Code 1637 ( 2 ) ( 9A ), 15 U.S. Code 1681, 15 U.S. Code 1681s-2 ( a ) ( 3 ), and 15 U.S. Code 1681e ( b ), I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Specifically : 1. 15 U.S. Code 1637 ( 2 ) ( 9A ) : I demand full disclosure of any and all documentation related to the alleged debt, including the original contract or agreement that establishes my liability. If no such documentation exists, this debt must be considered invalid and removed from my credit report.

2. 15 U.S. Code 1681 : Your agency has a responsibility to ensure the accuracy, fairness, and privacy of information reported to consumer reporting agencies. The inaccurate reporting of this alleged debt violates these provisions.

3. 15 U.S. Code 1681s-2 ( a ) ( 3 ) : You are required to update or correct information you have reported to credit reporting agencies. Failure to correct or remove inaccurate information constitutes a breach of your legal obligations.

4. 15 U.S. Code 1681e ( b ) : Consumer reporting agencies must maintain procedures to ensure maximum possible accuracy of reported information. Your failure to provide accurate information has resulted in harm to my credit report and is a violation of this statute.

I demand that you immediately : Provide all documentation validating the debt, including the original contract, the name and address of the original creditor, and proof of your agencys right to collect. 
Cease all collection activities on the disputed debt until validation is completed. 
Investigate and correct all inaccuracies reported to consumer reporting agencies. 
Notify all credit reporting agencies to which you reported this debt of the dispute and inaccuracies within the timeframe required by law. 

Please be advised that any further reporting of inaccurate or unverified information will be considered a willful violation of federal law, and I reserve the right to pursue all available legal remedies to protect my rights. 

I also revoke any consent for your agency to contact me via text messages. All future communication must be in writing and sent to my mailing address listed above. 

This is a formal demand for compliance under federal law. I request that you respond to this dispute with all requested documentation within 30 days of receipt of this letter. Failure to validate the debt or correct inaccuracies will result in further action.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Mortgage

XXXX XXXX has been trying to bring his loan current for years. He has been advised for years by an attorney who he paid on a monthly basis as he was instructed to not speak to the bank and to pay him. This attorney has moved and closed his office after being paid over {$25000.00}. 

XXXX XXXX ' wife passed away and he has been trying to put his life back together along with his children. His loan has been transferred to at least 5 different service XXXX XXXX has sent documents and proof of documents sent. 

At this point he is well able to pay a mortgage. he and his children are employed. 

Ocwen Loan servicing is the servicer on his loan and they have put him in a sale date with no notification of a sale to him. He found out about the sale from people calling trying to get him to sign the home over to them for a small amount of money. 

He was not sent any notice of sale as required 30 days before scheduled auction on his home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's unknown and unauthorized inquiries on my credit report inwhich I did not consent to therefore I would like them removed immediately, and if these companies can not give me physical documentation of such then as stated within the FCRA law, the following inquiries shall be deleted/ removed. ( 1 ) XXXX  XXXX XXXX XXXX , XXXX, XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, ( 3 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, when I spoke to the XXXX XXXX she said since it was a XXXX voice that's all that matters, un acceptable excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report. 1 XXXX, XXXX, XXXX, XXXX, US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  I, XXXX, XXXX, XXXX XXXX. inquiries : XXXX XXXX  XXXX MO, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$63000.00} XXXX XXXX XXXX Balance : {$370000.00} XXXX XXXX  XXXX Balance {$0.00}.
Product: Credit card

Best buy credit card from Citi bank, I used to pay $ XXXX withdrawn automatically. Their customer service failed to update my payment method after I provided to her, resulting in an accumulated large balance in my account of {$220.00} however for 2 months the amount due os {$60.00}. 
Also, when I purchased the product from Bestbuy, I was informed that this card had no interest, that was the offer during XXXX for XXXX, so how come they charged me extra charges? taking into consideration that I provided the card number to the customer service to attach it to my account and do auto payment as I used to make since I bought the laptop. 
I tried to talk to customer service of bestbuy citi bank with no result to resolve the problem. 
It is my right to remove the extra charges and interest incured as it is not my fault, and the deal was no interest for XXXX.
Product: Mortgage

In XX/XX/2017 my reverse mortgage with XXXX XXXX was sold to Champion Mortgage. In the 6 + years with XXXX XXXX, I had no problems with XXXX XXXX processing any documents submitted to them. Since Champion Mortgage took over, I get 2nd and 3rd notices, annually, about submitting Annual Occupancy Certifications, property tax payments and home insurance even though they were faxed or sent within days of the initial notice. These notices become harassment, threatening mortgage default and or inspection cost for having someone come to verify my residency. I call them after each notification and they say the certification has been received and not to be concerned but then send out another notice. They have no email address and there is no way to prove communication with them. Phone conversations are never with the same person identifiable by 1st name only which is surely fake. They claim they can not email acknowledgements. They have only a PO Box address so there can be no registered mail to prove they receive anything. A fax receipt only shows that I sent the fax but not necessarily that they received it. I believe they are purposely not acknowledging receipt of, or processing the documents so they can find ways to add to my mortgage debit or ultimately foreclose on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market to purhase a new home so I pulled a copy of my credit report and to my surprise found some errors. The errors are hurting my chance of buying a house for myself and my family any time soon. I found on XXXX  that I can request these item to be verified and receive a response within 30 days. Please help me out.
Product: Mortgage

I am writing this complaint against Citibank/ CitiMortgage. I have been trying to get a loan modification for about 1 1/2 year now. I have turned in my papers that is requested of me in a timely manner and multiple time. Citi has been incompetent to do their part as in processing the paper in a timely manner and allow my papers to expire. Once they expire I have to start back over. I have had multiple attempts by phone and email to contact my specialist XXXX XXXX. I never hear from him or able to contact him. The one time I did he stated that there was in paper work on file in which he was very rude and not helpful at all. I told him there was and that I received a letter stating so. I then ask to speak with his manager. I spoke with XXXX XXXX par. Once I spoke with XXXX he stated needed my home owners association paper once again even though it will state the same thing. Once I emailed it I tried multiple times to contact XXXX XXXX par by phone and email with no successful attempts. To see If he did reiceve it and it is was the proper paper to move forward with the process. I finially received an email from XXXX XXXX par on XXXX XXXX 2016 stating that he did receive my papers and he would retro back all of my last documents so they would be current to send them to the underwritier and I would know something in a week or so. It also stated that XXXX XXXX XXXX would keep me updated with the underwriter. I still have not heard anything from XXXX, XXXX or a decision. I have received a paper and calls stating that my loan is past due and all money is due or my account can be forwarded to foreclouser in 14 days of stated date of XXXX XXXX 2016. I should already have a decision on this loan modification since I have been working on this for over a year now and not have to be going through this with the added stress due to Citi 's incompentent work ethics
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX, account number 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer agency may make any consumer report containing any of the following items of information, any other adverse of the information, other than records of convictions of crimes which antedates the report by more than 7 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

Citi bank decrease my card after making a payment from XXXX to XXXX said they repulled my credit and my score went down which is a violation of my rights FCRA violation XXXX XXXX took my car 5 days playing little kid game pass the phone putting people on the phone saying they were certain part of management when they weren't. Now I understand when the parents leave the kids will come out and play but keep that XXXX at home. 
Its bad enough Car people have the best reputation. Former XXXX  XXXX 45 cars month but one thing I never did was lie to get a SALE or PLay child XXXX  kid games XXXX XXXX needs to know about his kids at work XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 


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

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Product: Student loan

Initially I received a student loan under {$15000.00} never received any of the money. XXXX XXXX tick all of the funds and even not using my entire student loan I never saw any of it back. I know there is a class action lawsuit and I am trying to seek legal counsel for this because I have {$30000.00} now that I have to pay back when They never assisted me in finding employment I never worked as a pharmacy technician which I had my XXXX degree from. I want my money back and I want my credit report to be cleared because they have fraudulently taken my money and continue to increase interests on a loan that should have been closed and canceled because of fraud
Product: Credit card

XXXX paid XXXX charge original interest XXXX My mother was put into paperless billing, and I called Wells Fargo and they told me the bill was lost in the mail, but they would send a bill and this would never happen again. XXXX months later they mail my mother a debt collection letter. I paid off the entire bill with the interest as soon as I was aware of it. My mother born in XX/XX/XXXX is a XXXX and is unable to use electronic banking or even write checks herself. Wells Fargo put her on Paperless billing so they would not send a bill and they could make money on interest charged to my mother. I want my information to be used as an example to help other seniors who are victims of Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAP ONE AUTO with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Experian credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and another credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

Well HSBC bank hold my wire transfer I send from my business account end not give back
Product: Bank account or service

We sent a payment to the wrong vendor {$2600.00} Dated XXXX/XXXX/2015 Check # XXXXBank of AmericaXXXX XXXX XXXX Tx XXXXBank of America did cash the check on XXXX/XXXX/2015. After contacting Bank of America they promised to look into and do all they could to refund us our money. After numerous attempt they would not follow up with us and would not refund us our money.