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

On XX/XX/year> I submitted a request for an investigation into my credit report because there are so many accounts listed fraudulently. I have never dealt with these companies there are no contracts bearing my wet ink signature. I want a manual investigation do not send me an automated response, do your job according to 15 USC 1681i disputing procedures you are not allowed to continue to furnish information that can not be verified. If you can not provide me with any evidence I want these items immediately deleted unless you can provide sufficient proof that these accounts belong to me. As A victim of fraud I want to be the first to say it has cause extreme hardship in my life but now I am getting things back in order starting with investigating these accounts and their validity. You are held to a higher standard regarding the information you furnish. These are the accounts that I want investigated because they are fraudulent. 
XXXX XXXX XXXX - XXXXColl : {$4400.00} XXXXXXXX XXXX XXXX  - XXXXColl : {$540.00} XXXX  - XXXXAcc : Collection {$3900.00} XXXX  - XXXXColl : Collection {$7100.00} XXXX  XXXX - XXXX : Credit card {$7200.00} I have contacted the FTC and filed an identity theft report as well. I included a copy of the complaint along with my ID and SS.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to XXXX XXXX. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Debt collection

I sent NAVY FEDERAL a properly endorsed negotiable instrument for payment that was notarized. This security was sent via registered mail to address XXXX XXXX XXXX XXXX Va XXXX with a XXXX tracking code of XXXX which was delivered on XX/XX/2023 at XXXX AM EST. This instrument has been acknowledged but not processed to reflect on my account nor has the payment been returned to me by NAVY FEDERAL. 

I sent NAVY FEDERAL two letters to cure this matter in good faith. NAVY FEDERAL responded with three letters stating they were in receipt of the instrument and one of the two letters I sent. Their letter to me also stated that this does not release me from my obligation and I remain responsible for repayment. 

In NAVY FEDERALs response letter they labeled this as incident # XXXX. However, even upon repeated request NAVY FEDERAL has refused to either process my payment or return my payment ( security ) in its original form. 

UCC 3-603 ( b ) states that if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

I have tried to rectify this matter in good faith, but since NAVY FEDERAL has failed to properly perform their fiduciary duties I have been encouraged to report this matter to the proper authorities.
Product: Mortgage

XXXX XXXX of Caliber Home Loans promised me a {$250.00} XXXX gift card if I refinanced my mortgage with them. He promised an email containing this once I lock in my interest rate. This email never came. I asked XXXX about it and he was not much help, multiple times on XX/XX/XXXX and XX/XX/XXXX. I emailed his supervisor XXXX XXXX on XX/XX/XXXX per request of XXXX with no response. I emailed XXXX again about it XX/XX/XXXX with no meaningful response. I feel that they have lied to me to get me to enter into a financial product for their gain.
Product: Debt collection

After the XX/XX/XXXX repossession prestige financial services tried to sell my vehicle for less than fair market value and there is still a remaining balance after the proceeds from the sale were credited to the account. Prestige financial is reporting multiple balances with credit bureaus when I look at my credit report, it says closed charged off, but yet its incurring late payment notifications every month dealerships show it as an open active car loan with a balance of XXXX my credit reports closed charged off with a $ XXXX {$17000.00} balance
Product: Debt collection

I am currently paying off a Discover Loan through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. XXXX XXXX XXXX, XXXX are now trying to collect on the SAME debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion avoids an credit ran on XX/XX/18 with no wrong information as fraud was committed with XXXX/XXXX  XXXX  as me wrong DOB wrong Drivers LIc Number as well as Social Security # sends me some lame excuse about 2 years that has nothing to do with the issue of credit been ran on XX/XX/18 oin which is not me and why. There has been no other proof to why or nothing by Transunion to clear up the mess to why DOB, Soc sec, Drivers lic does not belong to me or my correct information. Transunion avoids to provide the right information to justify none of the information belongs to me.
Product: Credit reporting or other personal consumer reports

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received copies of my credit reports provided by XXXX, XXXX, and Equifax, and I have noticed that transactions related to the XXXX XXXX XXXX  account with the number XXXX have been incorrectly marked as late payments and this is negatively affecting my personal life and my ability to acquire and build credit. 

Legal Grounds for Dispute According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report.

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer Report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title.

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX XXXX ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of Payments Timing of Payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Product: Mortgage

To Whom it may concern : I was erroneously charged unallowable property preservation and Mortgage Servicing fees. My family and I were a victim of a horrific fire and understood that all fees were resolved with the insurance claim and the most recent payment of {$330.00} which was included in a statement from XXXX. 
We have been consistently harassed with an erroneous debt. In an effort to prevent further XXXX episodes, we began making payments. However making these payments are detrimental to my health, as it is a constant reminder of our horrific experience. 
I have appealed these fees in the amount of {$2900.00} with the new services Carrington Mortgage. We've been waiting on the appeal decision for over a month now. They have started charging new monthly payments for XXXX and XXXX. We just want this cleared. 

My mortgage was sold to Carrington in 2020. This is our loan number : XXXX. XXXX provided me with the final principal balance including all fees. That balance was {$330.00} which satisfied. After my loan was sold to Carrington, I was informed that I now owe {$2900.00}. Carrington also incorrectly applied my escrow credit to these fees. I want reimbursement & resolution. 

Sincerely, Mr. XXXX
Product: Debt collection

I have applied for a mortgage loan with the XXXX XXXX XXXX XXXX XXXX and they are requesting that a collection item on my credit report for {$280.00} reported by Coast to Coast XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX be disputed/resolved before I can close on my loan. I attempted to access my credit reports through XXXX. I was able to access the XXXX  and XXXX   sites but I could not access the XXXX site. The fraudulent item was not on the two sites that I could access so it must be on the XXXX  site. I have attempted to access their site with no luck. The phone number on the site only allows you to order the report through the mail which I have done but it can take up to 15 days to receive and not sure how I will be able to dispute the item if I can not access online? They are reporting fraudulent activity on me and I can not access their site to resolve this issue. This is holding up my mortgage loan and I am reporting XXXX   and Coast to Coast to the CFPB to have this fraudulent item removed from my credit report and be able to close on my mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

CapitalOne/ Walmart is reportig erroneous lates on my credit from XX/XX/2020 through XX/XX/2020 and I was never late. XXXX XXXX  sold the Walmart account to Capital one.When my Walmart account was transferred to Capital One I never used the card, and had no balance at all. So I should not have any current lates reporting and I am demanding this account to be fixed.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, 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
Product: Credit card

Got an notified by email that I got a hard inquiry from capital one. I have NOT applied for anything with capital one.
Product: Credit reporting or other personal consumer reports

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

XXXX a police report, with Citi bank credit card. Sent to them. And now my XXXX XXXX has dropped XXXX points I cant tell you when it was open.. my wife saw it on her credit report as well and file a police report for behalf of us
Product: Checking or savings account

I am XXXX and I have been in serious of car accidents.I have almost been XXXX and XXXX by a dog. I fear driving on the highway. This bank, PNC Bank, is conveniently located in XXXX, NJ. I did nothing too them and my banking access online is revoked. I also have a POD banking account with my father that I am not given information about. 

I believe that this company is XXXX towards dark skinned women. This is the first time that I ever had a problem with my checking account. What is he looking for to unrevoke my account? How do I unrevoke the account? What is required to unrevoke the account? 


I am XXXX and have difficulty getting across the bridge to my other bank every week. I fear of another accident. Could you tell them to grant me access to my online bank account.I did nothing to them. Additionally, someone is hacking my checking account. Are they able unrevoke my checking account? This could affect my credit score. I am in the process of moving, buying a house and a new vehicle, Right at this point, I feel that this company is being discriminatory against me for no reason.They have no explanation given. They did not allow me to explain my side of the story. This is the first time, in 20 years, since completing my education and opening this checking account, that this has happened.
Product: Debt collection

I was contacted by XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX , NY XXXX ] about a debt that they purchased from XXXX [ XXXX XXXX XXXX XXXX , NE XXXX ]. I asked them to verify the debt was still valid as I had already paid it with XXXX. They asked me to contact XXXX/NAVIENT [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ]. I have contacted all three companies and have the chats/email threads available in PDF format. They never replied. I requested : " The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. '' The only documentation that arrived is a photocopy provided by NAVIENT of my original promissory note. XXXX sent a note stating that my wages would be garnished. They have not been able to verify that this is a valid debt. When speaking via phone to customer service at XXXX, they asked me provide proof that I had paid the debt with XXXX. I sent them images and screenshots via email per their request. I have not received a response. I was notified that this has impacted my credit rating. I have sent countless emails pleading to have this resolved. The complete lack of cooperation and common sense is frustrating. This is a waste of my time. I happy to pay what I owe, but they need to be able to substantiate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX ( XXXX XXXX XXXX  ) Acct # XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 card

I made a purchase of a XXXX  on XX/XX/2024, for {$3100.00}. I retuned it days later with return label seller from XXXX gave me. Seller refused to give me a refund after accepting it. So I filed a dispute and seller won. How I dont know I provided proof of return video footage and description from ups. XXXX lost package so seller never received. So he wont give me my money back saying the weight was wrong because it was too large to lift on scale. Amex wont give me money back and sided with XXXX seller snd now XXXX out over XXXX for something I returned.
Product: Debt collection

This debt to consumer portfolio services is not mine! I requested documentation showing my valid license and signature and the company sent me a signature that isnt mine! I have not been able to drive since the age of XXXX because a illness I have. I have never had a valid license to purchase a vehicle! Something needs to be done! A police report is on file
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I noticed that my credit score on XXXX had took a BIG decrease on my points of XXXX  points. So I called XXXX on XX/XX/XXXX and talked to a person name XXXX to ask why a big drop on my points when I was doing fair on my points. Well XXXX who is a specialist stated to me that Capital One Bank USA put a nasty remark on my profile on XXXX all because I wanted to Dispute the Double Jeopardy Accounts on my Credit File. Now I'm not sure if XXXX and XXXX will be affected by this nasty remark, but if so I want all three credit agency to be notified and not affect my points. 
I filed a Dispute with XXXX, XXXX, and XXXX about Capital One Bank USA with the same account as XXXX/XXXX. In my letters I explained how I wanted Capital One Bank USA removed from my credit report because it was a duplicate account with a different name. XXXX was sold to Capital One Bank USA . However I was always in good payment with XXXX/XXXX  it's just Capital One Bank USA bought XXXXXXXX  Accounts from every customer. So back in XX/XX/XXXX my husband and I fell on HARDSHIP and settle all our debts with Freedom Debt and paid partial to Capital One Bank USA in a settlement. Have copies to send you. Also I have been trying since XX/XX/XXXX to dispute all inquiries from XXXX and XXXX dated on XX/XX/XXXX that I did not authorize or give permission to anyone to pull my credit report. If you can look at the attached paperwork you will see which one I have been trying to dispute with XXXX and XXXX. XXXX have removed all inquire but XXXX and XXXX will not remove and giving me a hard time. Please take a look at Capital One Bank USA and see why they have retaliated against me by leaving a bad remark on my credit file with XXXX. But also this bad remark may be on XXXX and XXXX in a few days. I really want Capital One Bank USA removed from my credit report now since they have been rude and with the double account. Thank you for your time in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On the dates listed above XXXX the items listed were adding to my credit report without my consent. I want to inform your office that you are in violation of my rights by reporting false and inaccurate information. I have no knowledge of these accounts. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XXXX XXXX XXXX and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
Product: Debt collection

someone has been going to the hospital under my identity, which is fraud. I also have active XXXX insurance. the date of this account open is XX/XX/XXXX, XXXX and it is placed for collections.