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

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX 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 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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.
Product: Credit reporting or other personal consumer reports

I find myself once again addressing a concern with Experian, XXXX, and XXXX Credit Bureaus. It has come to my attention that these credit bureaus have yet to make certain updates to my credit reports. As a result, I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) to swiftly resolve this matter by completely removing the fraudulent inquiries. Below is a list of the outstanding inquiries that need to be removed : EXPERIAN : 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: Credit reporting

XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, XXXX. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in XXXX. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX 's and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( TransUnion, XXXX, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my husband received several text messages from Bank of America ( " BOA '' ) that if we transferred multiple $ XXXX through XXXX. I immediately realized frauds and contacted BOA. BOA successfully prevented XXXX {$50.00} transfers, but was not able to prevent the other XXXX transfers through XXXX. BOA then suggested and helped me file a claim - XXXX. 

In the meantime, I realized my own cellphone lost service from XXXX  and later I found out my phone number - XXXX was transferred to a device located in XXXX by XXXX. Therefore, the thief in XXXX used my number on his/her device, and transferred my money in my XXXX account linked to my BOA account. I have told BOA about my phone situation during the claim. I have also filed a complaint to XXXX XXXX XXXX regarding unauthorized transferring my number to an XXXX device ( see attached ). 

These XXXX transactions are obviously fraudulent. However, to my surprise, on XX/XX/XXXX, I received the letter from BOA dated XX/XX/XXXX, stating that they've determined that they are unable to honor the claim, because their investigation found that the transaction in question was validated using an authentication code sent to a valid phone number belonging to a signer on the account, even though I clearly stated that my phone number got stolen, and asked them to stop the transfers and they DID successfully prevent the XXXX transactions after I contacted them. 

Therefore, the decision made by BOA dated XX/XX/XXXX is unfair to me and inconsistent with the action of stopping the other XXXX XXXX transactions.
Product: Mortgage

Overview : Originally I wanted a 15 year fixed loan for a new home purchase. I was advised that I did not qualify. I was never given a reason as to why. I then was advised by my broker that I could make two extra payments per year and get the same outcome. I signed up in XXXX of XXXX for XXXX payments to accomplish this XXXX goal. I explained that I wanted XXXX extra payments per year. 

Complaint : Payments were misapplied from XX/XX/XXXX to XX/XX/XXXX. Gross miscommunication. I was never given the option to recast. 

The company was requested several times to stop XXXX withdrawals that resulted in overpayments of approximately {$10000.00}. Finally in XXXX of XXXX XXXX payments were stopped. 
However, In XX/XX/XXXX, I had received the attached letter regarding their new prepayment policy. HomePoint advertises that they have a NO prepayment penalty policy. 

I agreed to let the payments be applied for the next several months. 
However, I was never given the option to recast. The overdraft dollars were not applied to the principal. They were applied to future fees and interest. 


Attached : Payment history, personal record of conversations, XXXX letter from HomePoint.
Product: Checking or savings account

I am an old XXXX XXXX XXXX man and XXXX blocked my account and did not care that I could not go to a branch to unlock it because i am old, sick, XXXX and there is a deadly virus out there that i can die of. Just because i tried to transfer some money to get my medications my account was locked and no one cares that i am XXXX XXXX dollars short in this pandemic.
Product: Mortgage

I am a mortgage broker in CA with a complaint against United Wholesale Mortgage. The issue is UWM instructed escrow to deduct a {$970.00} lock extension fee from my Lender Paid Comp, as they said it was to far into the process to re-disclose to and charge the borrower. I have never heard of such a thing and I did not agree to this. Rather I found out at funding when I looked at the funders instructions to escrow to deduct the lock extension from my XXXX. I want that {$970.00} refunded to me as I did not agree to pay it. UWM should have properly re-disclosed to the client and not pull this fast XXXX out of my comp. I will never use that company again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX, XXXX XXXX XXXX, XXXX 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 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: Checking or savings account

The XXXX XXXX IRS Agent is delaying to update my personal legal name change for IRS XXXX account ( XXXX XXXX ) for my Sole Proprietor Business : XXXX XXXX XXXX XXXX XXXX which I had opened in XX/XX/XXXX and received acknowledgment on XX/XX/XXXX by IRS notice, see attached. 

As instructed by the IRS, Sole Proprietor business must issue a notarized letter of request and supply supporting documentation to update legal owner personal name. I sent my letter on XX/XX/XXXX. The notary I used for my signature is an employee of Chase Bank in XXXX NY. I included in my letter to the IRS a copy of my updated XXXX Notice, Social Security Card and XXXX Driver license. The JP Morgan IRS Agent received my letter on XX/XX/XXXX by signing my USPS return receipt form XXXX XXXX which shows the signature stamp JP Morgan Agent for Internal Revenue Service.

The delay in issuance of the updated XXXX is preventing me from opening a bank account and conducting any business under my legal owner name and will cause me a problem in filing my XXXX  1040. There is no excuse for the JP Morgan Agent to delay or refuse to issue me the updated XXXX. Did the JP Morgan Agent loose my notarized letter? 

The updated XXXX notice for my sole proprietor business XXXX number XXXX legal name should be printed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX Make sure not to mis-spell my name, leave out any letters, add spaces in between letters, and create any wilful grammatical mistake or omission with my information to create a mis match of my personal SS information with my XXXX to impede me from conducting legitimate business.
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. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 or 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, credit repair services, or other personal consumer reports

I did not open this account I do have another account with this company they opened the account by themselves with a different address so I never got invoices and wasnt able to pay the bills now Im late 120 days
Product: Debt collection

I first received a phone call from United Legal Group regarding a debt in XXXX of XXXX. I told them I have not received any information in the mail regarding this debt and until I do, I will not be speaking with them further because I needed to verify the debt. They proceeded to call me several times to which I reiterated that I again have not received any written communication from them regarding my debt and I believed the debt was past the statute of limitations. 
I received a voicemail from them on XX/XX/XXXX again attempting to contact me about this debt. I then sent an email to the senior vice president of the company as well as the general administrative email online notifying them of their unlawful tactics and requesting information to verify the debt. I requested the name and address of the original creditor, the account number, and the amount owed ; verification there is a valid basis for claiming that I am required to pay the current amount owed ; details about the age and amount of the debt including a copy of the last billing statement from the original creditor, a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claimed the debt became delinquent ; information about whether the debt is within the statute of limitations and how that was determined ; the company 's authority to collect upon the debt including their license number, name on the license, where they are licensed, and the name, address, and telephone number of the agency that licensed them. 

I did not hear back from them until XX/XX/XXXX, which is past the 30 day deadline to verify my debt as outlined in the Fair Debt Collections Practices Act. The letter I received in the mail did not include the information I requested and instead I received a letter stating their correspondence includes documentation that serves to validate the particular debt. This " documentation '' is not even an actual medical statement, but rather has charges for unknown procedures that are coded and no information about what I even had done or who paid a portion of the bill that was charged. 

Furthermore, this " document '' they sent states that the last statement on this account was XX/XX/XXXX rendering this debt nearly 7-years old and beyond the statute of limitations for them to collect upon. I have sent them a certified letter stating that they have violated the XXXX XXXX Collections Practices Act dated on XX/XX/XXXX but despite previously stating that in prior correspondence, they continue to harass me in an attempt to collect an unlawful debt. This company has been reported many times on the XXXX  about their unlawful practices as well. They are attempting to collect a debt for {$380.00} yet this debt was never properly validated and even if they had, it is beyond the statute of limitations.
Product: Credit card or prepaid card

The scenario with this card is it was a back up card I rarely used. I opened this card in XXXX. I have never made a late payment on this card or had any negative experience with it previously. In XXXX or XXXX of XXXX there was an annual fee assessed of ~ {$30.00} and I was not made aware of this fee/bill. Apparently I was late in XXXX of XXXX, leading to XXXX of XXXX ( now 60 days late ) because of this fee. To be clear I had no balance on this card at the time and this fee was generated from Barclay 's Bank. In XXXX I discovered this error, called and paid the fee and cancelled the card so this would not happen again. I was very upset my relationship after 31 years ended on this note. What I am asking for is the removal of this 30 and 60 day late from all 3 Credit Bureaus. This unfortunate incident dropped my credit score in excess of XXXX points ) - : I have attached the account PDF with details on my payment history and account description. This has drastically affected my financial situation as it impacts my insurance costs, increases interest rates and overall risk factors. I would be very grateful for any assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX  Account No - XXXX 1. Past Due- {$1300.00} 2. Last Payment XX/XX/XXXX 3. Account XXXX XX/XX/XXXX I already contacted XXXX XXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX  XXXX XXXX XXXX XXXX account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XXXX Creditor Name : XXXXXXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed all these accounts with all three credit bureaus. 

Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : MEDICAL ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these credit items several times with each bureau.
Product: Debt collection

THIS COLLECTION IS NOT MINE!! I HAVE ALREADY TRIED TO CONTACT BOTH THE BUREAUS AND THIS COLLECTION COMPANY AND BOTH ARE IGNORING MY REQUEST!!! I HAVE RIGHTS UNDER THE FCRA AND UNDER SECTION 611 THIS COLLECTION NEEDS TO BE DELETED! THEY HAVE BOTH FAILED TO RESPOND TO ME OR SEND ME ANY VERIFICATION OF DEBT!! THIS IS WRONG!!!!! I DEMAND THE HIGHEST POWER POSSIBLE TO DO THE RIGHT THING HERE!! I AM TRYING TO BUY A HOUSE AND BECAUSE OF THIS, I AM BEING DENIED!!! THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER!!! AS THE CFPB YOU ARE REQUIRED TO PROTECT ME AND THIS IS NOT PROTECTING ME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX- Opened XX/XX/XXXX Credit limit- {$500.00} Fraudulent account- Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened XX/XX/XXXX Credit Limit- {$3000.00} Fraudulent account- Sent dispute letters And Picture Id and notorized affidavit XXXX XXXX ( collection ) Opened- XX/XX/XXXX Credit limit- {$400.00} Fraudulent Account Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened- XX/XX/XXXX Credit limit- XX/XX/XXXX Fraudulent account Sent dispute letters And Picture Id and notorized affidavit
Product: Credit card or prepaid card

I have a XXXX 's store card and had it enrolled in Automatic payments. I changed accounts and for several months I have been unable to update the account number for the automatic payment through the online website. Because of this I fell late on one payment during the month of XX/XX/2018 and contacting them is always a hassle. I don't think it's fair for their technical problems to cause a derogatory mark in my credit score. I paid off the account and will close it but I need to try and have this late payment wiped off as it was not my fault that the automatic payment could not be updated over the phone 's VRU. I can't even look at my statements online because I get the same error message. This has been going on for MONTHS.
Product: Checking or savings account

A fraudulent charge of {$2500.00} was made to my Citizens Bank account # XXXX. The fraudulent charge was made at a XXXX XXXX XXXX on XX/XX/year>. I disputed this charge in approximately XXXX of 2023 when it appeared on my monthly statement. The dispute was ultimately closed by Citizens Bank without crediting me for the fraudulent charge. Citizens Bank relied upon a statement from XXXX XXXX XXXX showing a purchase that was originally denied and then approved. The statement contained no signature or any other form of my authorization. I did not make this purchase. I did not authorize this purchase. I did not sign for this purchase. I do not know how my account was compromised. I would appreciate the CFPB 's assistance in this matter. Thank you.