23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sent a letter to XXXX XXXX XXXX, XXXX regarding account # [ XXXX ] requesting validation of this account reported on my XXXX credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires XXXX to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Business Credit on XX/XX/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: Checking or savings account

On XX/XX/XXXX I went online to access my checking account. I noticed that my balance was extremely low. I then saw that on XX/XX/XXXX two fraudulent checks had been cashed -- one for {$9300.00} and the other {$8900.00}. A substantial amount of money. I immediately contacted my bank, froze the account, and requested an investigation. I then went to a branch, told the very sympathetic and helpful employee my tale, and opened a new checking account. I was told that in most cases the investigation takes 14 business days.

It is now XX/XX/XXXX. I have filled out an affidavit which did not arrive at my home until XX/XX/XXXX or XXXX. It was dated XX/XX/XXXX. I had it notarized and mailed it. I was told claims received it on XX/XX/XXXX -- over two months after my initial call to the bank. Needless to say, I'm frustrated.
Product: Credit reporting or other personal consumer reports

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXXXXXX XXXX  for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXXXXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law. 

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXXXXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This was in reference to the XXXX, home internet product which was opened, never used, I promptly returned it back to the store at XXXX XXXX XXXX XXXX New Jersey and I was told by the store representative that there will be no charge for the product since it was never activated, never used and it was returned promptly 3 days after purchase, well withing the 7 days return period. Few days after returning the product the store closed down. However, unknown to me XXXX  continue to charge me despite that I no longer have their product. I complained to XXXX, but they kept charging me anyway later they closed the account after 3 months and send me a fraudulent {$560.00}. This a fraudulent bill that I am not responsible to for, hence the reason why I am putting the complaint to CFPB since XXXX have refused to delete this charge off my credit report and they kept sending me Bills. Account Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by my manager that you guys could help me with items on my credit that are not mine. I have been trying to fix and I was also advised to contact the FTC and my local police which I did both. Please have these items removed from my credit as they are not mine. XXXX XXXX ( XXXX, XXXX ), XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX, Experian, XXXX ), XXXX XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX, Experian, XXXX ). I am acting on my own behalf and need help with this.
Product: Debt collection

After they called me, I called them back and asked for a settlement and that they stop calling me. They would not agree. I then called back and they would not allow me to make a settlement on my account without agreeing to allow them to call me regularly about the debt. I did n't agree and asked again for a settlement. The would not agree to take my settlement offer. It is hurting my credit score and they wo n't let me pay it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My attempts to correct some issues on my report have been unsuccessful. I'm asking you to check into this situation because the FCRA mandates that you do so. The following accounts are listed below : 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: Credit reporting or other personal consumer reports

I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX inquire date XXXXXXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX inquire date XXXX XXXX XXXX  inquire date XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX inquire date XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX XXXX  Account # 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: Money transfer, virtual currency, or money service

Background and Facts 1. Transaction Details : o On XX/XX/year>, I initiated a purchase of {$50000.00} XXXX through my Coinbase account. 
o The funds were to be drawn from my linked XXXX XXXX  account, from which I have successfully executed similar transactions in the past. 
2. Transfer Confirmation : o On XX/XX/year>, my bank confirmed the successful completion of the transfer, and I received a confirmation from Coinbase that the funds had been credited to my account with them. ( Reference Code : XXXX ). 
o The ACH trace number for this transfer is XXXX, and a bank statement confirming the transaction is attached to this letter. Apart of that on my complaint to CFBP against XXXX XXXX- they again confirmed that this transfer was successfully delivered to Coinbase. 
3. Subsequent Coinbase Actions : o On XX/XX/year>, I received an email from Coinbase stating that the transfer was not received and that Coinbase recovers ( appropriates ) the amount from my assets. 
o On XX/XX/year>, Coinbase deducted {$50000.00} from my account. 

4. Bank Investigation Findings : o XXXX confirmed that the original transfer of {$50000.00} was successfully completed to Coinbase. 
o XXXX also reported that a second attempt to withdraw an additional {$50000.00} was made on XX/XX/year>, resulting in a decline ( XXXX Code : Insufficient Funds ) due to the remaining account balance of {$21000.00}. This second withdrawal attempt was unauthorized and unrecognized by me.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Report number is XXXX Report date:XX/XX/XXXX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX Notice of intent to file Complaint To Whom It May Concern : This letter to formally inform you that I have filed a formal complains against you with Consumer Financial Protection Bureau . And federal trade commission for your disregard to federal law as passed by U.S congress and President. My initial complains with consumer protection agency case number : XXXX on XXXX/XXXX/XXXX. You have not fulfilled your duty. I have send you several letters by mail, Tracking Number # XXXX, and XXXX You claim to have some verified the items, I requested. Therefore, I legally requested a description of the procedure used to verify the information. 
1. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX I have obtained letter from the U.S department of education that the disputed items should to be deleted from my account. The letter is in the attachment Failure to comply with these federal regulations by credit reporting agencies is investigated by the federal trade commission ( see 15 USC 41, et seq. ) Further you have claimed that you have confirmed these information? 
1. XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$2100.00} past due as of XXXX XXXX. 

2. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX Address Identification Number : XXXX Status : Collection account. {$1600.00} past due as of XXXX XXXX. 

3. XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX I have contacted these agencies, with certified mail and phone conversation, I asked them for the original documents none of them has response to me. My question to you how you verified these accounts belong to me If you fail to send me the verification of original information from these agencies you must delete it from my account immediately. 
What certified documents were reviewed to conclude your investigation? Please provide me a complete copy of all of the information that was transmitted to the data furnished as part of the investigation, as required by FCRA : whom did you speak with? What was the date? How long was the conversation? 
What is the position of your employee that spoke to the creditor? 
I have clearly asked to respond with 15days. 
Please see the attach document from the department of education, that asking you to delete the disputed items. 
Please read the letter from the department of education and delete the disputed items Any further delay in inexcusable Sincerely XXXX XXXX XXXX, XXXX. 
XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the XXXX XXXX XXXX. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This is against global credit collection corp I have seen where they are scammers and been in law suits i hsvent read anything good about em they collect for XXXX XXXX when I read all the complaints I hate I gave them information agread to the payment they wanted me to pay well now they have had me over drawed twice one time it was XXXX then XXXX when I called them to explain I 'm was sorry the money was n't there I had unexpected bills they knew I was on a fixed income they should have took it out sooner they wanted to know if I could pay how could I when I had no money in the bank telling me they would report this they have been call-in and call-in and I have never heard of s collection agent taking XXXX out every time for the draft where and who was that goin to I have never had that happen charge everytime they set what they want u to pay not what u can afford they should work with u I have health problems I do n't need to be harrised by call-in it 's XXXX owed to them they have got enough out of me that I 've paid I wish this could be written off I hope this get resolved and they do n't start by threating me they are doin this or that and I 'm worried will they keep taking money out when it 's none there until I get paid again it 's not my fault if I have to pay they need to work with me and understand I 'm afraid could they freeze my checking account until they get there money if u all could help with this it would help me out I also told them to stop taking money out cause they was over draw in me thank
Product: Credit card or prepaid card

I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$650.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate reporting of certain accounts on my credit report that were legally discharged in my XXXX XXXX  bankruptcy case XXXX ], which was filed on XX/XX/year> ] and discharged on XX/XX/year>. The following accounts are still being reported incorrectly, in violation of federal law, and must be removed from my credit report immediately : 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 Legal Violations & Grounds for Immediate Removal Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Reporting debts that have been legally discharged as past due, charged-off, or with a balance is a clear violation of this law.

Furthermore, under 11 U.S.C. 524 ( a ) ( 2 ) of the Bankruptcy Code, a bankruptcy discharge operates as a permanent injunction against any attempt to collect, report, or enforce discharged debts. This includes the continued reporting of these accounts as active, collectible, or delinquent. Failure to correct these errors constitutes willful noncompliance, which may result in legal liability under 15 U.S.C. 1681n and 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX 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 Balance : {$240.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$310.00}.
Product: Mortgage

Freedom Mortgage contacted me to thank me for my service and offered to refinance my mortgage loan at no cost to me with exception of the VA funding fee. Freedom Mortgage then gave me a loan estimate which had high closing costs as well as a higher interest rate than the national average. I didn't agree with the first estimate and told them i was no longer interested and decided to look else where. The lender then sent a new, much more reasonable loan estimate, which included lender credits as well as a great interest rate. I changed my mind again and decided to proceed. Freedom Mortgage then sent a final closing document 2 weeks later for me to sign so we could get a closing date scheduled. After reviewing the final closing documentation I quickly realized this was completely different from the 2nd loan estimate I received, the lender credits went away, closing costs doubled and the payoff for what I currently own on my house was higher than what I actually owed. I contacted the loan officer regarding the changed details. I was told the numbers were not accurate and they would change later and I just need to sign. Do not use Freedom Mortgage, they are not ethical and are trying to take advantage of your refinance. This was a waist of my time as well as another knife in the back of yet another unethical company trying to take advantage of a veteran.
Product: Vehicle loan or lease

The original creditor Santander Consumer USA referred me to their collection company called XXXX XXXX XXXX and I informed them the account was never set up in my name nor had I any acknowledgment of this vehicle loan as a co signer or owner period. I asked them to have this removed from my credit report due to the fraudulent information the company stated they would however my credit score reflects that the company has not removed the account.
Product: Credit card or prepaid card

On XX/XX/18, I contacted XXXX XXXX regarding my XXXX card because I realized that I missed my payment due date, which was XX/XX/18. The credit limit was decreased from {$830.00} to {$650.00} and the balance showed as maxed. I spoke with a Customer Care associate named XXXX, who advised me that the bank did a " random review '' of my account which resulted in the credit limit decrease ; thereby maxing my card out. I explained my objections to the associate, stating that I have never " missed '' a payment to XXXX on any of the cards that I have with them. She stated that a detailed letter was mailed to me on XX/XX/18. Comenity increased my credit limit without request to {$830.00}, then after 1 late payment, decreased it to a limit that would " max '' the card out. Ironically, I have recently begun paying all the cards off. I feel that I may be the victim of some unethical practice, which is negatively impacting my credit history. I refuse to allow any corporation to take advantage of me. I've been a good customer and now feel that the bank is taking advantage of me or punishing me for trying to limit my debt. Subsequently, I made the payment today. I will attach proofs of payment and credit limit information separately.
Product: Credit card or prepaid card

I made a {$330.00} credit card payment from my XXXX XXXX   account to Capital One on XXXX XX/XX/2019. Although Capital One received the full payment, the financial institution refuses use of its line of credit. Representatives from Capital One stated in phone calls on XXXX XX/XX/2019 there was a seven day hold on the payment until XXXX XXXX verified the funds. Twice on XXXX XX/XX/2019, Capital One representatives contacted XXXX XXXX   which confirmed there was a pending payment. 

Capital One placed a seven day payment hold effectively freezing all account activity and subsequently blocking all transfer of funds. Capital One makes decisions to allow payment processing and use of its lines of credit based on its discretion, despite having verified funds from another financial institution. 

I stated to the Capital One representatives that it made no sense to disallow use of credit lines by placing a seven day payment hold. I also stated it made no sense using their services because I couldn't use their credit card. Furthermore, I expressed anger at the fact Capital One had the power to hold funds in suspense without granting privileges even after contacting my financial institution.