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

XXXX XXXX, SSN : XXXX DOB : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block 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 personal credit card account opened at XXXX XXXX in XXXX, XXXX under the account number XXXX, an personal account opened at XXXX XXXX in XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX in XXXX, XXXX with a balance of {$82.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The personal data contained in these documents isn't mine.
Product: Debt collection

I am writing to express my extreme annoyance and frustration regarding the accounts on my credit report that I believe are inaccurate. I have already contacted your bureau regarding these accounts, and while they have acknowledged errors and removed them, your bureau has not provided any resolution. I demand that you conduct a thorough investigation into these accounts and remove them from my credit report as they are unverified and inaccurate. I want to reiterate that these accounts contain inaccuracies, and I have reason to believe that there is insufficient information to verify the debts. The other major credit bureaus have recognized this and taken the necessary steps to rectify the situation promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am perplexed as to why your bureau has not followed suit. Your bureau 's inaction is not only frustrating but also unacceptable. I urge you to comply with the same standards as your counterparts and rectify this matter immediately. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Checking or savings account

On XXXX XXXX, 2022 Bank of America ( B of A ) closed my Checking account. I do understand B of A has the right to close my account at anytime. From XXXX XXXX XXXX, B of A returned my payments for mortgage, IRS XXXX insurance and other bills as unpaid. 
On XX/XX/2022 I was told me account was fully closed. On XXXX XXXX, 2022 I was told the balance was sent out to my address on file. I called every other day to verify my check was mailed. Because I didn't have money my water got turned off for days. 
On XXXX XXXX, 2022 I asked to speak to a Supervisor ( XXXX XXXX, whom I asked why B of A sent XXXX Police to do a wellness check. XXXX insisted B of A didn't do that sort of thing. I also, asked XXXX why had B of A reps had been telling me the check has been in the mail since XX/XX/2022, I should receive it within XXXX business days. XXXX told me a Hold was placed on my check XXXX XXXX, 2022. I did inform XXXX I have been deceived by B of A and they have not been forth coming on the issues of my account. After I spoke with XXXX XXXX XXXX Police came to house again. 
I would like to know what items are being investigated, so I can have the chance to defend myself and provide validate documents for all my deposits in question. I am aware of a {$270.00} balance from a old XXXX Account. I told B of A reps and Supervisors I authorize them to take the {$270.00} from my checking account balance closed on XXXX XXXXXXXX XXXX. 
Not having my funds to pay my mortgage and other bills for the last XXXX months has cause me a great deal of stress, anxiety and hardship. After my mother 's horrible murder, I suffer from XXXX. This bank issue is compounding my XXXX symptoms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I disputed a transaction for a merchant that failed to deliver agreed product. 
Original transaction was XX/XX/2022 for XXXX I disputed the transaction on XX/XX/2022 Apple card/Goldman Sachs asked for more info on XX/XX/2022 I provided proof from the merchant that they did not provide the product in the form of an email from the merchant agreeing that the charge should be refunded on XX/XX/2022. 
Apple card/Goldman Sachs notified me they denied the dispute on XX/XX/2022. 
They were unable to provide additional info on XX/XX/2022 when I contacted them.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$140.00} XXXX  XXXX {$450.00} XXXX XXXX XXXX {$7800.00} XXXX   XXXX  XXXX {$370.00} XXXX XXXX {$10000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pa, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Co ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which | will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, our home was ratified/contracted for sale with expected closure date on XX/XX/XXXX. Prior to showing our home, the buyer, their agent and the lending firm, CityWorth Mortgage LLC provided a letter to our agent that the buyer ( s ) were qualified to purchase our home. While negotiations were made to put our home under contract, we accepted the offer. <P/>Between our agent and the buyers agent, several attempts by our agent were made to ensure the buyers loan had been fully approved. As the seller, we were told by our agent that the buyer 's agent stated many times that there were no need for worries as the buyers were fully qualified and will have no problems obtaining the loan. <P/>On XX/XX/XXXX, we were notified by our agent that the sellers did not qualify for this loan through CityWorth Mortgage LLC and upon further investigation with discussions from our agent, the individual handling the buyer 's paperwork had been let go. During the time between XX/XX/XXXXandXX/XX/XXXX we ( the sellers ) have had gone through the appropriate requirements, such as the Home inspection and took care of the items the seller requested to have fixed, such as Radon, Termite Inspection and  some minor repair to our roof. In preparation for settlement, we have gone through and have moved all goods from our home with the exception of the items the buyers conveyed. <P/>The buyers and their agent were well aware of our intent to retire when discussing the sale of our home which required to schedule and make arrangements to ship our goods to our new location which is outside the U.S. Per our agents discussion, the buyer and lender were to provide proof of loan qualification on or about XX/XX/XXXX <P/>The fact that we had not received any formalized proof prior to XX/XX/XXXX and were told that the buyers are fully qualified from their agent to find that they did not qualify due to credit issues points to fraudulent and negligence as well as deceit on behalf of the Buyer, their Agent and the lender CityWorth Mortgage. <P/>We received notification from our Agent on XX/XX/XXXXwith documentation that shows the buyers clearly were not qualified for the loan. <P/>We are now living in an empty home and have our goods being shipped to our new location, costing us thousands of dollars, adding stress to our lives and potential for our own financial issues due to the buyers and lenders negligence. <P/>We are filing this complaint to address this issue and make awareness to sellers who fall victims to lenders and real estate agents that assure buyers meet qualifications.
Product: Credit card

fit credit card has charged me with too much interest and fees for being late, even after i explained my financial problems
Product: Debt collection

I am writing to request the removal of a late payment entry from my credit report. Upon reviewing my credit report, I noticed a late payment entry on XX/XX/2024 associated with XXXX XXXXXXXX .
Product: Mortgage

As a result of the Covid-19 pandemic I was laid off of work on XX/XX/XXXX ... I immediately called my mortgage company ( Select Portfolio Servicing ) and alerted them to my situation ... .I called as instructed on the 10th of every month to update my status, which remained unchanged, with SPServicing as instructed ... Additionally, in my communications with them I wanted to be made aware of any potential long term solution ... .With the magnitude, complexity and unpredictability of the virus little was done for months with policy guidelines that loan services were dictated by ... .It wasn't until XXXX that I received a request to make 3 monthly pandemic related payments of {$170.00} which would enroll me into the pseudo pandemic assistance program ... .I immediately called and asked to speak with someone that could explain the guidelines and parameters that SPServicing was going to use to determine any forbearance or deferment ... .I continued to check in on a monthly basis while still not having had a single return call as to an explanation in detail of the " pandemic assistance program '' that was being offered ... .A second request was sent for {$170.00} per month to be entered into the " pandemic assistance program '' ... .I immediately called ... .Got the same vague explanation about requirements and guidelines ... Reluctantly made the 1st payment and then received a determination from SPServicing requesting 3 years worth of payments to be made at {$2300.00} per month for 36 months to make up for the deficiency and arrears on the mortgage ... .Collecting a {$120.00} per week on unemployment I am sure you can sense my alarm at their repayment plan ....!!! ... My normal payment is {$1500.00} ... .I immediately called them and explained the feasibility of being able to pay this amount as impossible and immediately appealled the payment restructuring ... XXXXI formally appealled on XX/XX/XXXX via email ... .I also called on XX/XX/XXXX to verbally verify receipt of my appeal email ... I received verbal confirmation as well as electronic confirmation that the appeal email was received ... ..As I continue to call on a weekly basis SPServicing will only state that they loss mitigation department isn't connected with the servicing department and that loss mitigate will contact me in 30 days ... .I find this situation has not been handled as it should have been ... None of my own financial criteria has been used to formulate any assistance aside from not reporting as delinquent or filling for foreclosure ... .My latest call today to SPServicing produced no changes in status with loss mitigation and my appeal ... .Very disingenuous that in my very first call in XXXX of XXXX, which was recorded, that forbearance and deferment were all that was discussed ... ..
Product: Checking or savings account

XX/XX/ Account opened with wire transfer for initial deposit of {$6000.00} online after a promo for a XXXX XXXX checking account was received in the mail. 
XX/XX/23 I called in to get the full account number to set up online access and switch over my autodrafts, but they refused to give it to me even after verifying my identity and business information. 
XX/XX/23 I still have no access to the wired funds and no full account number and no online access and called in. Was advised to switch mailing address for business checking account by submitting a signed letter via email so they can change the mailing address for direct receipt of the refund. I requested account closure. US Bank requested a address change letter since account opening disclosures were not yet received ( at business mailing address ) since account was so new. Letter requested mailing address be updated to my personal address so refund can be received timely. 
XX/XX/23 Email sent to XXXX using XXXX XXXX XXXX. I requested account closure in writing and refund to be expedited. 
XX/XX/23 Inbound call from US Bank stating letter received, but must be notarized. 
XX/XX/23 I emailed the notarized address change request letter. 
XX/XX/23 A followup email was sent after no refund was received almost 30 day later advising no payment had been received. 
XX/XX/23 I called in to followup and was told the check was stop paid since it was mailed to the old address and was re-issued. Then was transferred to a manager who advised refund was not re-issued yet as they sent out an Affidavit of Loss via postal that I would have to get notarized and send back to get them to reissue to refund. I objected stating they made a mistake, not me, and need to simply correct their error without having me to do additional tasks. I requested higher escalation and was promised a call back without resolution. 
XX/XX/23 I called in to followup as no mgr has called me back, and no Affadavit has been received for me to sign, and no refund is even on its way according to U.S. Bank. I XXXX XXXXXXXX today who advised the address change letter was never processed properly and he would send to Business Services Dept to process the address change so the chain-of-never-ending requests can start again. He advised once the address is changed, the original check can be stop paid and somehow all this will eventually lead to my refund being issued. 
I am in limbo and 2 months later this company is still playing with me and holding my money. Please help.
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to see unfamiliar accounts appear on my credit report, and Im at a complete loss as to why. When I checked my report, as I regularly do, unexpected discrepancies suddenly appeared. I even tried refreshing the page, hoping it was a simple glitch, but the accounts remained. With this issue at hand, Im requesting a thorough review of the documents Ive sent to prevent this from happening again.
Product: Mortgage

our lender ( Ditech Mortgage Corp ) did not pay our impounded property taxes as per the scheduled payment due. Now we are in default to the tax board with penalties. this came up today when trying to finalize a refinance loan. this issue is delaying the closing and will affect my rate. this needs to be resolved asap please.
Product: Checking or savings account

A capital one 360 account was opened without my permission. The service reps had poor customer service and tried to blame my mother. They were rude and not open to listen. They did not solve my problem at all
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice of Dispute for Improper Communication in Debt Collection Violation of 15 U.S. Code 1692c Dear XXXXXXXX XXXX XXXX I am writing to formally dispute your recent communications regarding an alleged debt that I am purported to owe. This dispute is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c. 

In your communications dated XX/XX/XXXX of improper communication, you violated my rights as outlined in the FDCPA by : Contacting me at an inconvenient time, specifically XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Contacting me at my place of employment, despite knowing or having reason to know that my employer prohibits such communications.

Failing to communicate through my attorney, despite being informed that I am represented by legal counsel.

These actions are clear violations of the protections provided under 15 U.S. Code 1692c. As a consumer, I am entitled to privacy and fair treatment, and your conduct has been contrary to these legal standards. I hereby request that you cease all further communication with me, except as leg
ally required, and that you take immediate steps to correct your procedures in compliance with the FDCPA. Any further violations of my rights may result in legal action.

Additionally, I am requesting full validation of the debt, including : 1. Verification of the amount of the debt ; 2. The name of the original creditor ; 3. Any supporting documentation proving that I am liable for this debt.

Please respond in writing to acknowledge receipt of this notice within 30 days. Failure to comply with this request may lead to further actions, including filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Sincerely, Concerned Citizen
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XX/XX/XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

in accordance with the fair credit reporting act i believe XX/XX/XXXX XX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.