23daVinci/CFPB_Complaints huggingface dataset:
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. 

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 XXXXXX/XX/year>
Product: Debt collection

I was contacted by mail by FCO, Fair Collections & Outsourcing , Inc.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX, regarding a purported debt consisting of purported rental arrears. The letter claimed I had a lease with the landlord and failed to pay according to its terms. 

I asked them to validate the debt and they sent me a lease commencing on XX/XX/22, which is after every item on their purported rental ledger. 

In fact, there is no lease or any other document to support my liability for rent through the period on the ledger. 

They have threatened to report this fraudulent debt to credit reporting agencies as well as litigation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Experian Regarding Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681XXXX mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$1900.00} Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual, Closed or paid account/XXXX  balance Dispute Status : Account not disputed Creditor Type : Bank Credit Cards XXXX XXXX XXXX, National Credit Card Companies XXXX XXXX XXXX Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Canceled by credit grantor ( XXXX ), Closed due to inactivity ( Experian ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$1700.00} Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am repeatedly receiving robocalls from Penn. XXXX XXXX XXXX. regarding a debt owed to XXXX XXXX XXXX for {$38.00}. I have contacted XXXX XXXX XXXX   directly and I owe no debt to them at all. I believe this to be a scam. I have reported this to XXXX Fraud Alert as well, but I continue to receive these calls. I have not called Penn. National directly.
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Over the past 8 months that SLS has had my XXXX mortgage That BAC sold to them. 
They have always sent a monthly bill for the interest only portion of the loan. 
We caught on early and always sent an additional XXXX above the required XXXX there is a line to add to the principle X amount. This has been done every time we paid a note. 
In almost every month they would apply the additional money to the interest for the up and coming month and what ever was left would go to the principle XXXX. 
We would get the next month bill say XXXX XXXX and it would say that our next payment is due by XXXX XXXX. My wife is a wonderful women but did n't realize that was going on until I recently paid a bill while she was out of town. 
I have sent a Error Resolution letter with the needed documentation XXXX pages of it by fax as directed, as of 48 hrs they have n't responded and may have lost it who no 's. 
They have corrected the last months paperwork. 
I had printed out the statement history and was making notes to what the Acronyms where. 
While doing so my page refreshed and the statement history changed in no longer was what I had printed out. ( It was like they were making changes to cover something up ) Hence the XXXX pages of paperwork that I Faxed to them Print copy 1 and # 2Is there anything that I came expect them to do for the lost payments toward my Principle loan or am I just another person that got screwed by the big guy? 
Any Idea how long I have to wait for them to get in touch with me? 
The very least I should get credited for the interest on my load for 2 months or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX 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
Product: Debt collection

I am getting several debt collection bills to which I know nothing about. I have stated so on credit karma and disputed to accounts and now I 'm getting more in the mail. Are companies like CSC allowed to harass me like this about something I know nothing about. Am I responsible for giving even the slightest information about me when I know nothing of the bills to which they are referring. How could I even tell if someone stole my id for the bills when they show XXXX information about the bills. Should I make up bills of my own and charge them with them like they are doing to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX, XXXX Account # XXXX have 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. XXXX has a totally different credit profile on annualcreditqreport.com. Also, I have provided proof of being a victim of identity theft. I have filed a complaint with XXXX  and my next actions will be to have an intent to file a lawsuit.
Product: Mortgage

Good afternoon, My name is XXXX im having various issues with my mortgage company " Freedom Mortgage '' this is the second issue with them I paid them {$1600.00} on XX/XX/2017 now their stating that they never received the payments I show them my bank statements and had my bank send over the proof the took the funds out my account..Now they keep calling me asking for the same paperwork they have in systems.. I 'm starting to think someone for the company has been stealing my payments so I call lose my house ... I 'm a fairly new homeowner it 's been a rough year dealing with Freedom mortgage ... They are creating a hardship for me and my family it 's been a long year now going back and forth with them about money ... Please please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, two unauthorized transactions charged on my Bank of America credit cards, both from a gas station. Around same time, fraud transactions happened in several of my credit card and Bank of America card was one of them. I received a BoA security alert questioning the authorization of these transactions, to which I responded with a 'No. ' However, the transactions still went through. Immediately, I initiated fraud claims and replaced my credit card. After XXXX days, my claim was denied by the bank, with the reasoning that they believed I made the transactions without providing any supporting evidence. I requested a reconsideration but have yet to receive any update as of XX/XX/XXXX and the payment for these transactions are due.
Product: Checking or savings account

I received notice from TD Bank that my checking account had insufficient funds to cash a check. I realized i do not have a checking account with TD Bank. THey said someone had used my social security # falsely to open an account. The fraud department closed the account.
Product: Vehicle loan or lease

i did not authorize anyone from this company to check my credit or run a credit check
Product: Credit reporting or other personal consumer reports

these inquiries were unauthorized and I am a victim of identity theft. the companies are TransUnion, Equifax, and Experian. 

XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting

They keep verifying that a dismissed chapter-XXXX bankruptcy in my credit report is mine and they are wrong. They are not verifying or investigating this information, this belongs to someone with a similar name but it 's not mine. I need this item removed at once from my credit report.
Product: Debt collection

There were many transactions on my XXXX account not done by me, I attempted to dispute them but was denied. The account has since been closed.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXXXXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting DPT EDXXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting DPT EDXXXX Account XXXX : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting DPT EDXXXX Account XXXX : XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE XXXX - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I used the payment processor Squareup.com to process payments for my ecommerce businesses in XX/XX/XXXX. I only processed transactions through square on XX/XX/XXXX through XXXX. 

On XX/XX/XXXX, I received an email from Squareup informing me that my deposits had been suspended because they needed more information from me, including bank statements, invoices and my web site address to fully verify my account. I was told I could do so in my squareup dashboard. 

Before I even had a chance to respond to this inquiry, I received another email on XX/XX/XXXX that my account was being terminated completely due to a pattern of high risk transactions. The email said I would receive the money from my active transactions in the normal pay out time frame, which is one to two business days, At this time there was over {$35000.00} in my account. 

After several days of not receiving the funds, I submitted the documents they originally requested. I received an email that I would hear back in two business days. After not hearing from for a week, I made contact with them several times. When I called, I simply received a recording that my active was deactivated and I would get my funds on the date outline in the email. But there was no email with any date, other then the first email which I said I would get my pay out immediately. 

In order to bypass the recording, I created a new account to call customer service. The agent was confused about the status of my account and attempted several time to reach the appropriate team. He told me to send another email and they would response by the end of the day, even though I had not hear back for weeks, I am attaching two emails I sent to their customer service, on XX/XX/XXXX and XX/XX/XXXX asking about my funds. This is in addition to numerous emails I sent through their web contact form which I don't have a record of. Finally, today, on XX/XX/XXXX, I received an email from their account services team telling me that they can not reactivate my account. But I wasn't asking for my account to be re-activated I just want the funds that are in it. I replied and told them this, I still have no idea when they plan to release my money. They are currently holding {$23000.00} in active funds and {$10000.00} which are in disputes.
Product: Credit reporting or other personal consumer reports

How did you get my information and why are you selling it youre going to be implemented in federal suit Ive never done business with Cascade Capital funding and youve sold my information to your affiliated XXXX XXXX and XXXX down me my written consent that you have being that youre profiting off of my Hippa information causing harm and deceptive and misleading practices where did up get my information and why do you have it whats the address to your legal department Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX XXXX XXXX XXXX XXXX is a debt collector. An account was assigned to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX by our client, Cascade Capital Funding, in the name of XXXX XXXX. On XX/XX/XXXX, we mailed a letter to XXXX XXXX which contained a validation notice to the address of record. ( Note : The address of record is the same address listed by the consumer on this complaint -- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX. ) This letter was not returned as undeliverable. On XX/XX/XXXX, the account was closed and returned to Cascade Capital Funding. Also, on XX/XX/XXXX, we requested the credit reporting agencies to delete the XXXX XXXX XXXX XXXX XXXX XXXX tradeline related to the Cascade Capital Funding account from XXXX XXXX credit bureau report. Should anything further be required, please do not hesitate to contact XXXX XXXXXXXX our XXXX  XXXX XXXXXXXX, at XXXX.
Product: Vehicle loan or lease

I finance my vehicle with Hyundai Finance Motor. I been receiving monthly statements from them since XXXX of XXXX. I made my final payment on XXXX. Today, I can not get my title nor a lein release for this vehicle. I have called them and has been told to allow title to issue 3 til 5 business days. Still no title or lien release. I called Hyundai Motor back, just to be told not able to speak with a manager only the highest command is a supervisor. This is my 2nd time trying to trade the vehicle in and has not been successful for getting a title. I asking to be paid {$1500.00}, a month from XXXX, XXXX, XXXX, XXXX and XXXX for a title of {$6000.00}, til I receive my title. I'm asking for titl to be overnight to physical address XXXX XXXX XXXX XXXX XXXX SC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are and have been violating my right to privacy. I HAVE NEVER GIVEN WRITTEN AUTHORIZATION TO REPORT, PERIOD. AND WHY MY RIGHT TO PRIVACY IS BEING DENIED NEEDS TO BE PUNISHABLE BY LAW In addition they, by, laws passed by congress are to, EXCLUDE things on what they can report. 

SEE RULES AND DEFINITON ACCORDING TO : 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against NAVY FEDERAL for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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.

This fraudulent, inaccurate, and false information consists of a few Personal credit card 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 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

these inquiries i have no idea of. XXXX XXXX Via Dealer XX/XX/XXXX, XXXX XXXX Via Dealer XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I disputed with Equifax and sent them my FTC report and they said inquiries are factual. XXXX telling them that I did not authorize these inquiries and they still have it on my report. They have my FTC report and identification on file.