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

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance  : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XX/XX/XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$660.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiry found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and this credit card has been open in my name without my consent fraudulently. My FCRA are being violated the company continue to report fraudulent information on my credit report. The address this account in isnt my address. The account isnt my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am behind on my mortgage one month, each payment is {$1300.00} plus and additional {$10.00} for the convenience of processing the payment through their online portal. 
I was looking through my statements and what bothers me is I received a letter dated XX/XX/19 showing I owed for XXXX but also was including the month of XXXX. The statement requesting the monthly payment 15 days before its technically due is miss leading. 
This could cause financial stress and lead to poor decisions for other home owners that dont fully understand their mortgage.
Product: Mortgage

My loan was purchased b y Amerihome in   XXXX     2015   (  2 months after we purchased  )  our home. I unexpectedly lost my job  XXXX     2015.    As I struggled to make mortgage payments, I reached out to  Amerihome  for info on the loan modification program. I applied. It has been a run around since then. Here we are a year and half later and I 'm still trying to get a response on the loan modification results. They keep requesting that I send in hardship letters, I do send in all supporting documents via certified mail that requires a signature. The last I heard I was supposed to get a response by  XXXX   XXXX . I just got off the phone with them and they are telling me that my account is on freeze. But, even after speaking to th e manager by t he name of  XXXX  he ca n't tell me why. He told me it would take another  24- 48  hours to reach out to the underwriting department. This is ridiculous. They are assessing all sought of fees making it imposssible to really catch up and stay clear of foreclosure. Hence, the reason I applied for loan modification in the first place. This has been going on for too long. Almos t two yea rs now with no answer.
Product: Credit reporting or other personal consumer reports

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

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment was made within the required timeframe. Attached is a copy of my bank statement showing that the payment was successfully processed before the due date. 
Clerical Error by Creditor : There appears to have been a clerical error during the payment process, as I never received any notification of a missed payment. XXXX confirmed that no payment was missed, and I have attached correspondence with them to support this claim.

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

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

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

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

Sincerely, XXXX XXXX
Product: Debt collection

I started receiving calls from XXXX XXXX 6 months ago telling me that they are a debt collection company representing Fifth Third Bank and that my file was placed with them for collection. I thought someone had stolen my identity because I knew I had never had an account with fifth third bank so I started to file a report with identity theft.gov. In filing such report they ask for information from the original source of debt. So I called Fifth Third Bank on XX/XX/XXXX and they said they could not find anything in their system with my name or social security number and even if the account had been closed they would still he able to pull it up. They advised me to ignore the calls. I've been called every day since though and the calls start early morning and stop after 10pm sometimes. They call every hour and I've had to just turn off my ringer because they drive me crazy. I've tried blocking the numbers but they call from another. They have left me several nasty voicemails which I have saved for proof if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor ay not tdreat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$6900.00} XXXX It is also my understanding that Under the FCRA 15 U.S.C. XXXX XXXXi, every single XXXX even each any or all of the unproven. non-compliant. incomplete. untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 the company responded with a false validation by sending a final bill after it was sold. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.
Product: Credit card

A credit was issued, and l was told a check would be issued. Instead, the person decided on his own to issue a bank deposit to an account l don't have access too. Over the next 5 months, l get lies about reissuing the pay. Then on XX/XX/XXXX l was told that due to all this issue they'll credit my account the full balance. That was another lie, because they did it as a customer service payment, which didn't approve
Product: Credit reporting or other personal consumer reports

I checked my credit report this evening and I'm still stressed out with what came up. The inaccurate accounts are still showing up on my report. I asked for the removal but nothing happened. So I am asking once again to please check the documents I've sent regarding this matter.
Product: Credit card

I have had a Capital One Account for at least 5 years. They gave me a {$1500.00} credit increase in 2015. I have always made my payments on time and never late, but in XXXX of 2015, I fell on my way to work for the XXXX in XXXX and XXXX. I was laid up for 4 months with no work. I unable to get workman 's comp because the injury happened before I arrived at work. I was able to get state XXXX but not enough to pay bill and rent. My only resource at the time was to use my Capital One Credit Card to survive and pay rent. {$500.00} in XXXX co-pays otherwise it would have gone to collection. I have ask Capital One to work with me to lower my Interest rate, but they have refused and just keep charging me interest every month so I will not be able to break even with this account in many years. Because of my high balance, my bank will not give me a consolidation loan to pay Capital One off and I ca n't get a credit card with lower interest rate. I do not want to loose this account because it will affect my credit and I have worked hard to bring my score up over the last two years. I am only {$2600.00} in Credit Card debt. I have to be at least XXXX before I can get any help. Please advise me what to do. I have this hanging over my head. I am back to work, but I am XXXX living on XXXX and XXXX retirement only. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date of Birth : XX/XX/XXXX Correct and Only Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, D.C. XXXX Dear Sir/Madam, I, XXXX XXXX XXXX am writing to formally dispute incorrect information reported on my credit report. On XX/XX/XXXX, I contacted all three credit bureaus regarding inaccuracies, but as of today, XX/XX/XXXX, I have not received any communication confirming the removal of this incorrect information. 

Credit Report Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Last 4 of SSN : XXXX I am demanding the immediate removal of all incorrect information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. Section 609 ( 15 U.S.C. 1681g ) mandates that consumers have the right to obtain all information in their files at the consumer reporting agency, including any inaccuracies that may be affecting their creditworthiness.

Additionally, Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputes and to remove any information that can not be verified. As I have disputed this information and received no response, the agencies are in violation of the FCRA. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from misleading or inaccurate information. As such, I am requesting that you ensure all reporting agencies comply with federal law by conducting a thorough investigation and removing any unverifiable information from my report. 

Please confirm receipt of this letter and provide documentation regarding the actions taken in response to my disputes. I expect the inaccurate information to be addressed immediately, as mandated by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX XXXX
Product: Debt or credit management

XX/XX/24 around XXXX I was attempting to change my phone number for my Best Buy online account so I can make an online payment that was a week past due. I was then rerouted to a very rude and hostile lady of the name of XXXX ( employee number XXXX ) that stated that my phone number was not updated but kept pressing me to make the credit card payment over the phone. I have XXXX problems with my paying my credit card for my payment history is very good and my credit is also excellent. She was eluding to me not wanting to make the payment and being very aggressive and shouting over the phone and would not even let me get a word in. I do not think these are the type of people that CitiBank should have working for them. I am seriously thinking about cancelling my card that I have had for nearly XXXX  years just because of a very rude and hostile employee. I have never experienced anything like that in my life and sad to say it left me in tears. Please reach out to me for a resolution. Thank you.
Product: Checking or savings account

Opened a biz checking account XX/XX/23 with US Bank. Terms as promised were {$400.00} for {$3000.00} deposit. 

I called today to ask them about terms before I moved money only for them to tell me the promotion expired XX/XX/23. I signed up for the offer using links directly on USBank 's website. There was no mention of XX/XX/23 expiry on the page and I didn't get any warnings it was expired. I found the link again to offer via browser history and it's still live online with expiry saying XX/XX/23 ( XXXX XXXX XXXX ). A case of false advertising. I attached the disclosures one of their reps emailed me today about the offer that states it's expired. 

Currently, they have a BETTER offer for {$500.00} for {$3000.00} but refuse to recode my account opening to that one ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have offered them the option of HONORING the terms of their past offer ( which is still live ) or recode my account with the better offer that is also live.
Product: Debt collection

I was checking my credit report when I came across this company caine & Weiner and stated that I owed {$1000.00}. From a company called XXXX XXXX which I XXXX  it and it's a gambling for horses which is against my religion I'm not allowed to gamble. 

15.u.s.code 1681c-2 a consumer reporting agency shall block the the reporting off any any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you arein Violation of this law because I am a victim of identity theft!! Please delete the item immediately! The account should not be furnished on my consumer report as they are in valuation!! Under, 15 u.s Code 1681b- permissible purpose of consumer report ( a ) in GENERAL subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN consent to report anything on my consumer report which violate my rights as a federal protected consumer. No content is IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking the Credit Bureuas for more information regarding the particular acount in question. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX This is error on my credit report. I was never late on this account. Please provide " Method of Validation '' for late payments. Otherwise, please correct. 

Method should provide the steps that were taking to validate I was late with proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX XXXX. 

Additionally, I am allowed under HIPAA Law ( Health Insurance Portability and Accountability Act ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXXXXXX XXXX XXXX XXXX  to third party, XXXX XXXX XXXX. 

Please provide me with a breakdown of all charges, dates of service, and procedures given with the fees associated along with my signature and consent to release private health information. 

Please advise that withholding full documentation you received from any medical provider in an attempt to be HIPAA compliant is a violation of FDCPA. 

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXX XXXX to be removed from my credit report. 

All Accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a certified letter to XXXX, XXXX and Equifax to have them to investigate items on my credit. I ask of evidence to prove their reporting. I have asked for proof of my signature which none of these creditors have supplied me with. I got a letter saying it was verified and i ask how did they verified with out proof, I also got a letter from XXXX saying they will not investigate my disputes.
Product: Checking or savings account

I am reaching out and seeking counsel to file a lawsuit against Navy Federal for improper debt collection and the illegal freezing of my and my husband 's accounts. Upon thorough examination, it has come to our attention that there are substantial irregularities in the legal procedures followed, and we believe that the actions taken by Navy Federal may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ).

This is in direct contradiction to the provisions outlined in the FDCPA, specifically, Section 807 ( 11 ), which expressly prohibits the false representation or implication that a debt collector has the authority to seize, garnish, attach, or sell any property or wages without a valid court order or proper legal process.

Additionally, our due diligence has uncovered disturbing information about XXXX XXXX XXXX, who is not a law firm, but a debt collector. We have contacted the Supreme Court of XXXX XXXX, where it appears that a judgment was filed without proper presentation and assignment to a judge. Furthermore, we have received an email from an individual named XXXX, inquiring about the total amount frozenthis is the same individual associated with the initiation of the request. Moreover, attempts to contact XXXX and XXXX through provided numbers have been futile, as they are either disconnected or redirected to personal cell phones. It is noteworthy that XXXX and XXXX are not accredited through the XXXX XXXX XXXX, and multiple complaints have been registered against your agency. 

Additionally, I never signed an agreement with XXXX XXXX XXXX, and the response from Navy Federal that we have received, was because my husband has access to my accounts, they have to place a freeze on all of my personal accounts. Currently, we have $ XXXX that is being held up and no access to these accounts.
Product: Money transfer, virtual currency, or money service

I created an account on Binance.com and am now unable to access it because I am from the U.S. I can not access my account which still holds funds that belong to me. Binance will not address my problem and will not return my money to me.
Product: Credit card

Ive had an Avant credit card for nearly 4 years and have never had an issue until XXXX of XXXX  when I accidentally used a closed bank account to pay my bill so I was assessed a late fee which if I hadn't checked the payment i would have never known the website said minimum payment was XXXX no accurately reflecting how much I owed for the minimum so in XXXX made a XXXX payment and my account was still negative because the paper statement said my minimum due was actually XXXX not the XXXX it said so I got another late fee and the member fee was assessed in XXXX but didn't show up until this month so I made a payment of XXXX this month and the website said my minimum payment was XXXX but the paper statement says XXXX checked this morning and now the account says i owe XXXX payment for XX/XX/XXXX after i paid XXXX they keep changing the amounts after I make the payments they don't notify anyone of returned payments they assess late fees but its not accurately reflected online only on there paper statements i can't access those statements on there website cause the links are broken I canceled my card today and they are now saying there going to assess me a late fee every month till the balance is paid on full I would like to have any improper late fees returned and any future late fees assessed to be stopped considering there are no late fees cause on paper my XXXX balance has been satisfied just not on there website where there encouraging people to go paperless so they can rip them off by breaking the links to the statements
Product: Debt collection

The only thing I could think of this being about is a used truck I had about 10 years ago and that case I let them have the truck back on the lemon law cause it never ran right and I was always spending money to fix it I can't even remember the name of the used lot I got it from and that used lot isn't even in business anymore. I think this is just a greedy collection agencies that founds people old depts and try to make money off them. If they can show me proof where I sign any contract with them then I will pay them.