23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

to whom this may concern I pulled a copy of my credit report and noticed a collection
Product: Credit reporting or other personal consumer reports

requested for incorrect addresses to be removed. i have asked repeatedly over the past few months starting XX/XX/year>2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, and XXXX XXXX  XXXX XXXX. XXXX Date XXXX XX/XX/XXXX XXXX {$0.00}.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a violation of consumer law by honda financial services The complaint is in relation to my late payment, which I believe was unfairly assessed and has caused significant financial harm to me. 
On [ XX/XX/2022 I made a payment of XXXX to Honda financial services for my [ name of loan or account ]. I made this payment on time and in full, but despite this, I received a notice from the credit bureaus. 
that my payment was considered late and that I would be charged a late fee. 
I immediately contacted Honda financial services to understand why my payment was considered late, as I had proof that it was made on time. After several attempts to resolve the issue, Honda financial services did not provide a satisfactory explanation, and I was forced to pay the late fee to avoid further financial penalties. 
I believe that Honda financial services violated several consumer protection laws in this instance, including [ list any applicable laws or regulations, such as the Fair Credit Billing Act or the Truth in Lending Act ]. Specifically, I believe that Honda financial services failed to properly credit my payment, which resulted in the erroneous late fee. 
This violation has caused me significant financial harm, as I am now responsible for paying an additional fee that I should not have incurred. Additionally, this has negatively impacted my credit score and financial standing, which could have long-term consequences.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Honda financial services is held accountable for their actions. I am also seeking compensation for the financial harm that I have suffered as a result of this violation.
Product: Credit reporting or other personal consumer reports

In response to the documentation you provided regarding the alleged debt owed to XXXX XXXX XXXX XXXX. 

. While I appreciate your response, the documentation you submitted does not verify the debt as required under the Fair Credit Reporting Act ( FCRA ). I am requesting further verification or immediate removal of this account from my credit report if such proof can not be provided. 

After reviewing the documents sent to me from you all, this information does not satisfy the requirements to verify the debt under the FCRA Section 611a. 

The specific information needs to be provided : : XXXX. The lease agreement provided is incomplete. Please provide a FULL and SIGNED lease agreement that includes the full terms and my signature. 
XXXX. The photos and charges do not definitively show my responsibility for this debt, and further clarification is needed to show that the charges were properly applied. 
XXXX. The ID provided is not my name, which raises concerns about the accuracy of this information and whether it is connected to this alleged debt. 

Under the FCRA, you are required to provide COMPLETE documentation proving that I am indeed responsible for this debt. If you can not supply full proof of this debt ( including a signed lease agreement, full documentation of charges, and proper identification ), I demand that you immediately cease all collection activity and remove this account from my credit report. 

I have also filed complaints with the Federal Trade Commission ( FTC ) and XXXX XXXX XXXX XXXX XXXX XXXX regarding this matter. If this dispute is not resolved. I am prepared to take further legal action to protect my rights under the FCRA and any applicable consumer protection laws. 

I expect to hear from you with confirmation that the debt has been removed or a COMPLETED and thorough verification of the debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I send a letter to both the credit Bureau and USBK COURT, I requested validation of negative information that was reported by USBK COURT in my credit file, I received a letter from the court that said the court does not report to credit agency, I also contacted XXXX and a freeze was placed on my credit file, I submitted both documents to TransUnion for validation, I receive a letter declaring the information being report was correct and accurate after their investigation was completed. 

In response to their claim that USBK COURT verified the account as accurate, on XX/XX/2019, I requested copies of any documents provided and description of the procedure used to determine the accuracy and completeness of the information. 

On XX/XX/2019, I received reinvestigation results from Transunion that Verified As Accurate. this listed item is entirely inaccurate and incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information reported by XXXX XXXX XXXX XXXXXXXX my credit reports with Experian, XXXX, and XXXX. The discrepancies in the reported data are substantial and have led to a misrepresentation of my credit profile. Furthermore, my account information appears to have been shared with collections without my consent, constituting a breach of privacy. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations. 

Inaccuracies Identified XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Payment History : Experian : Was 30 Days Late XXXX XXXX Was XXXX  Days Late XXXX Time Was XXXX Days Late XXXX XXXX Was XXXX  Days Late XXXX Time Was XXXX  Days Late XXXX XXXX Was XXXX Days Late XXXX XXXX XXXX : Was XXXX  Days Late XXXX XXXX Was XXXX  Days Late XXXX Time Was XXXX Days Late XXXX XXXX Was XXXX Days Late XXXX Times XXXX : No late payments reported Violations and Impact The discrepancies in the date last active, date of last payment, and payment history between the credit bureaus are blatant and damaging. The inconsistency in reporting late payments, with Experian and XXXX showing extensive late payments while XXXX shows none, highlights the severe inaccuracies. Additionally, the unauthorized sharing of my account information with collections is a violation of my privacy rights. 

XXXX Laws and Regulations XXXX. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this standard. 
XXXX. 15 USC 1681i ( a ) ( XXXX ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX. 15 USC 1681i ( a ) ( XXXX ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
XXXX. 15 USC 1681s-2 ( a ) ( XXXX ) ( A ) - Responsibilities of XXXX of XXXX : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
XXXX. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
XXXX. Right to Privacy : The unauthorized sharing of my account information with collections without my consent constitutes a breach of my privacy rights. This involves disclosing sensitive information to third parties without proper consent or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.
Product: Checking or savings account

Someone hacked into my phone and sent themselves {$1700.00} from my cashapp to themselves and tried several times after. I stopped it by calling my bank and changing all of my passwords, and I let my bank Centennial Bank on XXXX in XXXX XXXX know. They gave me my money back and then took it out again, saying I gave them my password. I did not. I don't even know these people. That is what banks are for to help when you have been a victim of XXXX, I would like to get this fixed without getting a lawyer, but I will. I need help. I did not do this.
Product: Credit reporting or other personal consumer reports

I work for a XXXX XXXX I would request the CFPB to seriously consider looking into the practices of the three credit bureaus : Experian, XXXX, and XXXX for seemingly unethical practices of selling consumer data for trigger leads. 

Each year the cost of credit becomes exorbitantly expensive due to continued and unreasonable price increases from the credit bureaus, and it eventually becomes the consumer 's burden and added cost. Not only do the prices increase each year, the credit bureaus also sell the consumer info via trigger leads even when client has opted out on the national do not call list, as well as opt out for online spam. 

They operate as a XXXX  and many clients have called me to personally complain about receiving 20-30 calls in one day from unknown mortgage companies after a credit pull. They were angry and upset about how the calls had disrupted their entire day and work schedule. They also complained about still receiving these calls even after opting out online and being on the do-not-call list.
Product: Mortgage

Hello, my name is XXXX. I contacted Flagstar Bank about refinancing my mortgage to a lower interest rate. I was quoted a 4.198 % interest rate that was supposed to be locked in. They told me I needed to pay {$500.00} for an appraisal, and as soon as that came back, everything would be a go. I was led to believe that the refinance was a lock. But then the appraisal came back, and apparently I need to now pay {$10000.00} at the closing of the loan. I feel this is completely unnacceptable and they used misleading tactics to convince me to pay for the appraisal.
Product: Mortgage

I Initially contacted PennyMac to terminate my PMI. They are stating they requiring an appraisal even though, from what I understand, if my loan reaches XXXX % of the original appraised property value, they need to terminate immediately. My loan is currently ~XXXX % of the originally appraised value. 

They have not responded to me pointing out this law.
Product: Debt collection

On XX/XX/2018 they contacted my previous roommate on his cell phone. I don't know how they get his phone number and who they are.they told him that they are debit collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries were placed on my credit report due to identity theft and my credit report was destroyed
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Reporting Inaccuracies XXXX  XXXX XX/XX/year> I am writing to formally file a complaint against XXXX  XXXX regarding persistent inaccuracies in my credit report associated with my XXXX  XXXX credit card account. 

I have disputed these inaccuracies multiple times, yet they remain unresolved. Specifically, my credit report lists the same XXXX XXXX account three separate times, two of which show identical dates, and the third indicates a different date. This account is tied to a XXXX  XXXX bankruptcy, yet I continue to be pursued for collections on these accounts. This has resulted in significant financial strain, including the need to secure a loan to settle these debts, which I had to repay with interest. 

The inaccuracies on my credit report have not only affected my credit score but have also led to severe emotional distress, XXXX, and even homelessness. The continued reporting of this single account as three different entries has created a misleading financial picture of my situation. Furthermore, I believe my personal information has been sold to third parties without my consent. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ), I request the following actions : Immediate deletion of all inaccuracies related to this XXXX  XXXX account from all three credit bureaus. 
A refund for any settlements paid as a result of this misleading information. 
Compensation for the financial and emotional distress caused by these errors. 
If these matters are not resolved promptly, I am prepared to take legal action against XXXX XXXX for damages incurred. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 
XXXX  XXXX CREDIT CARD # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX PHONE XXXX AMOUNTS SETTLED 2 @ {$770.00} AND 1 @ {$1700.00}
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found inaccurate information or an account from Global Lending Services. I made a list of the inaccuracies and reasons why the account should be removed. I'm in the process of purchasing the first time for my family and this is adversely affecting my ability to obtain a loan. Please review my documents and remove the account that is listed.
Product: Debt collection

I used my XXXX XXXX XXXX for a purchase, which came out of my account. Then I was refunded that amount. Now the payment company is saying I owe them the amount paid, plus {$20.00} as a few for the returned payment.
Product: Debt collection

To Whom It XXXX Concern, I am writing to formally dispute a debt listed by PROFESSIONAL DEBT MEDIATION on my credit report. In late XX/XX/2024, I received notification of an alleged debt from a previous rental property ; the amount was inaccurate, prompting an immediate dispute. The notification outlined dispute resolution options via mail, phone, or their website, with a XXXX deadline. 

In XX/XX/2024, I submitted a formal dispute via their website. Subsequent attempts to submit the dispute and contact the company by phone were unsuccessful ; the phone line disconnected immediately. 

In XX/XX/2024, the debt appeared on my credit report, negatively impacting my XXXX XXXX. After repeated attempts, I finally reached a representative. Despite explaining the prior dispute submission and lack of response, no resolution was offered. The representative cited technical difficulties as the reason for non-receipt of my dispute and stated their role was limited to debt collection. This lack of responsiveness and failure to address my dispute is unacceptable and requires immediate rectification. 
The debt was added to my credit report without prior notification. Their website was malfunctioning, preventing any recourse. Despite following all instructions, I was denied the opportunity to discuss this issue. This constitutes an illegal action. After repeated phone calls, I provided my email address to resolve the matter, only to subsequently receive a bill for the apartment, a bill I had already disputed and identified as inaccurate.
Product: Credit card

I made some XXXX purchases in about XX/XX/XXXX, which was cancelled as the product was taking long. it included XXXX XXXX and hair products. XXXX immediately credit my account and then on my activity statement in XXXX it shows a credit reversal. but guess what fraudulant practice i detected from synchrony they do not let it reflect until after 2 statements. I did not make the payment for thos reversals and spoke to an agent in XXXX and XXXX and she said i still have to pay it. I aksed her why would i pay for a products that has been credited by XXXX and showing in activity but not the statement. " the agent stated how much can you pay today ''? she refuses to addrees the issue or just had no knowldege of services. I was charged a {$40.00} late fee for this, then interest then it started piling up. On XXXX I made my final payment of {$34.00} on a purchase I made in XXXX and forced to close my card. That {$40.00} late fee has been charged late fees on top of late fees till date and now showing {$190.00} dollars which is all fees relating a purchase that was credited by XXXX. I spoke to 2 agents 2 days ago, the 1st one said I can only reverse 1 late fee and transferred me to someone else, the 2nd person just ended the chat. Synchrony I would like to tell you that I WILL not be paying you for charging me a {$40.00} late fee which is now {$190.00} and my card is CLOSED. I will see you in court because I have prove and evidence that XXXX credited me so I was not responsible for paying an amount that has been credited. If the agents are competent they will investigate and find appropriate resources in XXXX and not reaching to this point now. I really highly regret signing up for this Card. I should have just used my own credit cards. I have also stopped shopping at XXXX altogether. 
I do not owe interest on th account. I stated and have prove of your agents on XX/XX/XXXX was to wave the first fee which she did not do. The fees that you are charging me its fees that has been charged additional fees on top of fees. if you carefully pull back the XXXX to XXXX statement XXXX already reversed the item but u chose to post it later to force customers to pay on items that has already been reversed? this illegal practices must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit card

I was charged {$180.00} for a mandatory filing of Beneficial Ownership Information Registration by XXXX This website is fraudulently charging for something which is supposed to be free on the government website finCENXXXX. The idea of BOIR is to prevent financial crimes against small businesses. It is ironic that small businesses like mine are duped into paying these fraudulent fees through companies which prey on gullible people who do not have adequate time to research them. And all because Credit Card companies are facilitating and legitimizing their activities. Ive asked American Express credit card to refund the money but it refused saying that the filing was successful. 
It does not recognize that the filing is free if only I went on the finCENXXXX website. 
I suggest CFPB should warn Credit Card companies to stop the transactions of these companies scamming individuals and businesses by fraudulent means. 
Otherwise, all efforts by agencies like yours will never be able to help
Product: Debt collection

I received the feedback from california business bureau in and they said that I have to submit them a proof that I paid my bill at the XXXX  XXXX and They said I need to submit a proof of that which is impossible because I already paid my bill at the XXXX XXXXXXXX 7 years ago. I don't know why the XXXX XXXX  sent me a bill on XX/XX/XXXX claiming that I owe them on XXXX. I received another letter from california business bureau stating that I have a debt at XXXX XXXX and they are charging me a different amount. I already paid my bills at the XXXX XXXXXXXX 7 years ago, so the amount that they are charging me is not my debt.
Product: Credit reporting or other personal consumer reports

My credit report is showing a late payment for XX/XX/2023. I disputed it with XXXX also. I reached out to the company and they do not have a late payment for the account.