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

According to 15 U.S.C 1681c-2 ( a ) The law mandates that fraudulent accounts MUST be blocked from my credit profile one a report of identity theft is made. I am now exercising this law. According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA furnishers of information are prohibited from reporting information they know or have reason to believe is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS ACCOUNT IS ERRONEOUS AND DOES NOT PERTAIN TO ANY DEBT I OWE. Reporting FALSE information is a direct violation of federal law and has unjustly damaged my creditworthiness. I INSIST THAT YOU : DELETE THE INACCURATE ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY CEASE ANY FUTURE REPORTING OF THIS ERRONEOUS INFORMATION TO ALL CREDIT AGENCIES PROVIDE WRITTEN CONFIRMATION OF THESE ACTIONS WITHIN 15 DAYS OF RECEIPT OF THIS LETTER FAILURE TO COMPLY WILL LEAVE ME NO CHOICE BUT TO FORMALLY COMPLAIN TO THE CFPB AND CONSIDER LEGAL ACTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX XXXXXXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX  XXXX ), has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Put Consumer Reporting agencies on notice that all accounts should be validated pursuant to 15 USC 1692g. Without written consent with instructions 15 usc 1681b ( 2 ).

an Extension of credit, or experience should not be shown on my consumer reports. Companies did not respond.
Product: Debt collection

I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). 
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with ASSETCARE LLC or any of its Affiliates nor have I ever engaged in any business with ASSETCARE LLC in the past and this trespass against me is a result of identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. 
I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. 
I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate Electronic Fund Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Mortgage

State of Arizona sold a house through Navy Federal Credit Union and Veterans Administration ( NFCU/VA ) in XX/XX/XXXX. State of Arizona failed to disclose XXXX in the running water until 2 days after closing. VA " guarantee '' was paid {$7400.00} of my money by NFCU for mortgage insurance " funding fee. '' Witch should have been waived because of my XXXX. Law suit was filed in the Superior Court of Arizona on XX/XX/XXXX case number XXXX XXXX & XXXX. They broke the LAW, and then run to alter their policy to try to cover for their lawlessness. NFCU whom I made this deal with, refuses to work towards a resolution, projecting their responsibility over to the State of Arizona and VA. VA is no help. NONE. The {$7400.00} given over to them was for their own enrichment, and to disadvantage me. NOW, NFCU & State of Arizona are lying again regarding an unlawful " auction '' which they say took place on XX/XX/XXXX, using " Commercial Lease '' property law, to bypass foreclosure law, and attempt to enforce a 5 day eviction notice. THE LAW IS NOT DEAD! ARE THE AMERICAN PEOPLE? If " We The People '' DO NOT STAND AGAINST SUCH TYRANNY, WE SHALL BE OVERCOME!!!
Product: Student loan

I requested a refund of my Covid-era payments on XX/XX/XXXX. I received a small partial refund on XX/XX/XXXX, but I am still waiting on over 90 % of the balance owed. I called Mohela on XX/XX/XXXX. The representative initiated a request for further research and a request for escalation. I called again on XX/XX/XXXX. That representative confirmed that she sees the request for elevation and a request for further research on my account. She advised me to call back in 10 business days. I called back on XX/XX/XXXX. That representative had no update. I called again on XX/XX/XXXX. That representative told me that there HAD NOT been any prior escalation on my account, but that she would escalate it now. Somebody lied to me.
Product: Mortgage

XX/XX/XXXX, I applied for loan modification with DiTech I supplied all documents and had that confirmed by 2 Dutech employees on XX/XX/XXXX and on XX/XX/XXXX.

XX/XX/XXXX. I received a letter from DiTech stating that my modification had been canceled due to an incomplete application.

This is the third time that this is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CLOSED XXXX XXXX CREDIT CARDE ACCOUNT BECOUSE XXXX XXXX CHANGED THE LAST 4 NUMBERS THE SAME CREDIT CARDE. AFTER I SPOKE TO SUPERVISER FROM EQUIFAX AND HE REFUSE TO CORRECT THE INFORMATION.
Product: Credit card or prepaid card

On XX/XX/2023 two different charges were posted to my Capital One visa credit card from the merchant XXXX XXXX. The first was for {$460.00} and the other was {$420.00}. The first amount of {$460.00} was a charge that we put onto our card with the merchant. I have both my customer copy and also a copy from the merchant. The other charge of {$420.00} is the charge in question. I called Capital One by using the number on the back of my credit card. I explained the situation to the customer service representative. The customer service representative filed a dispute on my behalf. The merchant responded to the dispute and sent documentation of the charges. Capital One shared that documentation with me. On the charge that I am not questioning they shared the entire receipt with me in a XXXX XXXX letter. On the charge I am questioning they would NOT share the entire receipt with me. They would not show the signature line. When I received the letter I called the number on the letter and was advised to send a fax with detailed information. I sent the fax with the information and also asked for a copy of the entire receipt in question. I called to verify the fax was received. I also looked at the account online and they noted the fax was received. I then received two different letters dated XX/XX/2023. The letters had different case numbers on them which was very confusing to me. On XXXX XXXX the credit card company charged my credit card again for the charge that is not mine. I called today on XX/XX/2023 and I was told by the case manager in the fraud department that they can not assist me with this anymore because when a charge gets filed as a dispute you can only go to the merchant once to dispute it so the fraud department is not allowed to go dispute it.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I checked my XXXX and Equifax credit reports and noticed inaccurate unlawful and unverified late payments from XXXX XXXX XXXX 15 USC 1666 ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Is being violated no notice was given and all payments were made. I have attached receipts from both companies.
Product: Credit reporting or other personal consumer reports

XXXX, transunion, and XXXX  are reporting fraudulent information on my credit reports. i have attached the fraudulent accounts on my ftc report
Product: Checking or savings account

I, XXXX XXXX, at one point had the cashapps $ XXXX and $ XXXX. i know longer access to the email or phone numbers associated with the 2-step verification. 
I am wanting to merge all accounts to $ XXXX ( the account i am currently using ). 
I have answered questions to my previous addresses and other information on multiple interactions with the company and still no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

I have a loan with XXXX XXXX. 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 Equifax and XXXX XXXX   with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Product: Credit reporting or other personal consumer reports

My credit card account has been closed due a bankruptcy placed on my account, the XXXX XXXX XXXXXXXX XXXX has a toll bill registered under bankruptcy. I was able to get that sorted as my sister XXXX XXXX XXXX 

My sister filed bankruptcy XX/XX/year> and her information has somehow landed on my credit report and is systematically being filtered down to my creditors. My credit card was closed, the XXXX has transferred my toll bill to their bankruptcy department etc. 

I've contacted XXXX and spoken with them thrice. I do not feel competent that I'm being heard about the matter. No one will tell me which credit agency reported the bankruptcy so that I can speak with them nor will any of the credit agencies help me. 

I am not in bankruptcy, my sister is. My name is XXXX XXXX XXXX, her name is XXXX XXXX XXXX. Our social security numbers are identical save for the last XXXX digits. 
Can someone please tell me how to fix this recurring issue?
Product: Debt collection

Removal of Late Payments due to unemployment I am writing to demand the removal of late payment entries from my credit report for the account ( s ) referenced above. These late payments were a direct result of being unemployed during the period of XXXX XXXX XXXX and I am requesting that these be removed immediately, as I believe they unfairly penalize me for circumstances beyond my control. 

1. Impact of Unemployment on Payment History As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that information reported to the credit bureaus be accurate and fair ( 15 U.S.C. 1681 ). The late payments in question occurred during a period of significant hardship when I was unemployed, and my ability to meet financial obligations was severely impacted. Under the FCRA and Regulation V, I request that these late payments be re-evaluated and removed from my credit report as they do not reflect my usual payment behavior. 

2. Request for Goodwill Adjustment Given the extreme and extenuating circumstances of my unemployment, I am requesting a goodwill adjustment from the creditor ( s ) in question to remove the late payment entries. This request is grounded in the understanding that I made all reasonable efforts to make payments during that difficult time but was unable to meet deadlines due to lack of income. Removing these late payments would more accurately reflect my payment history and financial responsibility over the long term. 

3. Legal Precedent and Credit Reporting Standards Under 15 U.S.C. 1681c, I am entitled to dispute the accuracy of any information that may not fully represent my true financial circumstances. I believe these late payments should be reclassified or removed, considering the context of my financial distress. Additionally, I expect full compliance with FCRA Section 605 and the Equal Credit Opportunity Act ( ECOA ), which protects consumers from being penalized for credit report information that reflects circumstances outside of their normal credit behavior. The financial hardship caused by unemployment should not permanently mar my creditworthiness. 

4. Immediate Removal Request Given the above facts, I am requesting that these late payments be immediately removed from my credit report. I expect a prompt and thorough review of this matter, and I anticipate your compliance with the FCRA in resolving this dispute. Should this issue remain unresolved or the late payments remain unaddressed, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal options. 


Given the above facts, I am requesting that these late payments be immediately removed from my credit report. I expect a prompt and thorough review of this matter, and I anticipate your compliance with the FCRA in resolving this dispute. Should this issue remain unresolved or the late payments remain unaddressed, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal options.
Product: Credit card

In summary, due to a newborn arrival, I got 1 day delayed in a full statement payment, resulting in only partial payment for that month. The amount left over was about {$1000.00}, which was paid in full the next day in addition to all other balances in my account. In the following 2 months, I got surprised by about {$79.00} in charges, which is an absurd APR ( {$79.00} for 1 day! ). 

Upon discussion with customer service, they finally admited to weird and likely unlawful practices of charging interest for at least 2 months, irrespective whether I paid the bill the next day or not. In addition, any new charges to the credit card was " game '' for them to charge me more interest, which were transactions not even billed yet, so there was no way I would have known I was paying interest on them and would otherwise have long dropped this credit card to begin with. 

This is effectively charging interest on purchases that have not made into a statement yet, giving the consumer the wrong impression of how a credit card should work. Had I known they would keep charging me interest on any balance on the card, including current in progress cycle, I would have stopped used this credit card immediately. I clearly had the funds to do so, as you can see on the timeline attached, I just missed 1 day of payment. Overall, this seems malpractice, a sort of scam to charge more interest, completely diminishing the trust in this financial system, and potentially causing imense hardship for customers that are already struggling to pay their bills. This seems illegal to me and should likely be reviewed by the State Attorney 's General Office and be target for Class action suits, since it might be impacting millions of Americans trying to stay afloat in the economy. This ultimately makes their bills unbearable to pay for if they don't have the means. 

This agency should review these practices and decide whether this is legitimate type of interaction and whether it's not an abuse of consumers ' trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

These below accounts have violated mt rights : 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 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 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX : XXXX To Whom It May Concern, I am writing to formally address the unauthorized reporting of fraudulent accounts on my consumer report due to identity theft. Your failure to properly verify and correct this information is in violation of the legal requirements set forth by federal law.

Violation of 15 USC 1681b ( c ) Furnishing Reports in Connection with Unauthorized Credit or Insurance Transactions According to this statute, a consumer reporting agency is prohibited from disclosing records of inquiries related to transactions not initiated by the consumer, unless explicitly exempted by law. 
Immediate Action Required : The following fraudulent inquiries, stemming from identity theft, were not initiated by me and must be removed without delay : Inquiry : XXXX XXXX Dated XX/XX/XXXX Identity Theft and Federal Law Compliance Under 18 U.S.C. 1028A ( Aggravated Identity Theft ), using another person 's identifying information without lawful authority during a felony constitutes a severe offense, punishable by imprisonment. The existence of unauthorized accounts on my credit report constitutes clear evidence of identity misuse. 
Permissible Purposes of Consumer Reports Under 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies may only provide consumer reports with written consent from the consumer. This standard has not been met in my case.

Ensuring Fairness and Accuracy As per 15 USC 1681 ( Fair Credit Reporting Act ), consumer reporting agencies must uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. 
List of Fraudulent Accounts : 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 Pursuant to 15 U.S. Code 1681c2 Block of Fraudulent Information I demand that, as stipulated by law, you block the reporting of the fraudulent information in question within 4 business days of receiving this correspondence and the attached supporting documentation. 
Enclosed Supporting Documents : Copy of government-issued ID Proof of address ( utility bill ) Copy of Social Security Card Official FTC Identity Theft Report Updated Report Request I request an updated copy of my corrected consumer file, as entitled under 15 USC 1681c-1 ( 2 ), which provides consumers access to free reports when fraud alerts are involved.

CC : Bureau of Consumer Financial Protection ( CFPB ) Federal Trade Commission ( FTC ) Better Business Bureau ( BBB ) Attorney Generals Office ( State of Pennsylvania and respective state of each bureau ) Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures : Copy of ID Utility bill Copy of Social Security Card FTC Identity Theft Report
Product: Credit card or prepaid card

American Express Charge Interest {$160.00} on a balance of {$10000.00} shown on statement can't prove how the total balance of {$10000.00} come from. 
According to the current billing statement due at XXXX XXXX, 2021 & XXXX XXXX, 2021, there is no over due balance of {$10000.00} subject to APR 18.24 % for the interest charge of {$160.00}. 
As a card holder of me has been contacted to Customer Service at XXXX XXXX. XXXX, and still can't get any info. from American Express about the balance of {$10000.00}