23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I tried for several years to voluntarily turn the vehicle back in to credit acceptance. They told me they will have someone to pick the vehicle up but never did! I am the co signer on the vehicle and the person wasnt making their payments. I called credit acceptance for three years trying to get them to repossess the vehicle. I couldnt understand how they allowed this person to keep the vehicle with no payment over three years and placed it on my credit. Finally got them to repo the vehicle after credit acceptance did major damage to my credit score. They then a month later sent me a letter saying I owe them over {$9000.00} because they only got less than {$1000.00} on the vehicle. So now I have that sitting on my credit. I asked for proof of them selling the vehicle off yet still havent received that information I totally dont believe they only got less than a XXXX for this vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint mortgage servicing inc., is claiming they are the new servicer and that NEW REZ Trust is the new owner, with at first XXXX XXXX as trustee, but now has allegedly changed to XXXX XXXX. originally this mortgage was in a XXXX XXXX XXXX and do not believe it can be removed from a tax exempt XXXX trust. I NEVER received any notice from the " new owners '' only the servicer, saying that it was not being recorded publicly. the " assignement '' were from MERS who has no authority to assign, as the Courts have decided. the " debt '' does NOT exist, and therefore there can be no " Mortgage '' but they claim they can still take the home, because there is a valid " lien '' but will not provide proof of anything, including their alleged " debt '' they are harming, injuring and forcing me to pay for a " legal entity '' which was created by the State and is NOT me, they are placing me into involuntary servitude and " debt '' against XXXX 's will. 
all this fraudulent, concealed " banking '' as they do not own money, or anything as fictions can not and do not have dominion. if there was an actual " loan '' where did they get the money? was it real money in accordance with the Constitution ( money is gold and silver ) and in accordance with the Federal Coinage Act, April 2, 1972? I bet not, it is nothing more than a satanic, pagen, communistic scheme to steal the American people 's wealth, property and labor, for a few foreign " bankers '' aka XXXX 's minions. 
as We the People, the true creditors and true people of god and his dominion, we are tired of all this fraud, we are tired of the foreign agents ( XXXX XXXX XXXX ) and their Oath to the Crown/ City of XXXX or the master banker. XXXX we know there is no money, we know we are being abused and XXXX, plundered and pillaged, but where is the legislation that allows this madness? 
private-woman- Noncitizen-American- National. original " WE the PEOPLE '' granters of " governments ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX XXXX, and XXXX of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

FOR CFPB I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Debt collection

I had cable and internet service through XXXX XXXX in XXXX, Alabama. The company advertises that they require no contract with its customers. After the company raised rates I notified them that I wanted to cancel my service and gave them a cancellation date. They did not dispute this date and service was cancelled as of this date. 

After cancellation they billed me for a full month when only 3 days of services were rendered during that time. This was after my prior cancellation notice and their acceptance of that date. Their explanation was that they do not pro-rate bills. Since they have no contract with their customers, I did not feel bound by their billing system limitations and I sent them payment for only the XXXX days services rendered. They accepted the payment. 

Given my prior notice to them of the cancellation in advance of their billing cycle, their cutting of service on the date I requested, the lack of a contract, and their acceptance of the check I sent in payment for the services actually rendered I do owe them anything. 

Despite this, they are continuing to try to collect {$170.00} for a time when they rendered no service. They have turned the bill over to a collection agency, Sequium Asset Solutions , LLC. I have disputed this bill several times, in writing and over the phone, but the collection efforts have not stopped. I have included documentation with the written responses and have received no proof of any debt, beyond copies of the fraudulent invoice. 

I consider this bill to be fraudulently issued and the continuing collection efforts to be in bad faith.
Product: Checking or savings account

Merrill Lynch locked my account without rationale. I tried cashing out the account to move the money to another bank and it was declined. Merrill Lynch is holding my money XXXX without explanation
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$560.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$0.00} 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance XXXX : {$560.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$0.00} 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

As of XX/XX/22. Any medical bill under XXXX should not be collected. 
WASHINGTON, D.C. The Consumer Financial Protection Bureau ( CFPB ) today released a bulletin reminding debt collectors and credit bureaus of their legal obligations in light of the No Surprises Act, which protects consumers from certain unexpected medical bills. Companies that try to collect on medical bills that are prohibited by the No Surprises Act, or who furnish information to credit bureaus about such invalid debts, may face significant legal liability under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The bulletin advises credit bureaus that the accuracy and dispute obligations imposed by the FCRA apply with respect to debts stemming from charges that exceed the amount permitted by the No Surprises Act.
Product: Checking or savings account

On XX/XX/21 I received a notification in my email that I added a recipient for XXXX that I did not add. Then there was a transfer out of my account for {$250.00} to this person ( XXXX XXXX ) I called USAA immediately and said I did not complete or authorize this transaction, the representative found another unauthorized transaction approx. 7 days prior that I received no notice of. It was another XXXX  account ( XXXX XXXX ) again for {$250.00}. I told USAA that I DID NOT AUTHORIZE NOR WAS I AWARE OF THIS. I never sent these payments and I have no idea who these people are. I asked what I could do to secure my account and I was told " change my username and password ''. Then, a few hours later, my husbands ( same account ) information was used- it was not his email that was used- and he was fraudulently registered on XXXX and within 2 minutes, money was sent to XXXX XXXX ( we don't know who this is and my husband has NEVER used XXXX  ). In fact, he was sitting next to me on the couch when USAA said this transaction was made!!! We did NOT authorize this and we have no idea how our accounts could have been hacked. I contacted USAA again and we submitted another fraud claim however we were told yesterday XX/XX/21 that our EFCM claim was denied! How is this possible!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

$ S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding _ the account is acourale, XXXX XXXX any evidence of a thorough investigation. 


This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation,
Product: Checking or savings account

On XX/XX/XXXX I called Chime letting them know my phone was stolen that had my account info. They updated my new cell number and gave me access to online at XXXX. At XXXX the person who had my phone called changed it all back to the phone they had. Locking me out of my account again and this time until XX/XX/XXXX. 

On XX/XX/XXXX O had to dispute {$640.00} ( Dispute number XXXX ) I reached out as well to the merchants I was disputing and received documentation from XXXX that they agreed is was fraudulent charges and refunded me. 

Chime refuses to give the credit to my account until their investigation is over. With those XXXX merchants refund o could pay Mty light bill and not be on the dark with no electric, and the rest of my rent so I don't have to be homeless. For a week i have been told I'm top priority and within XXXX hours my credit will be in account. Still I wait and now my landlord has filed eviction paperwork.
Product: Credit reporting or other personal consumer reports

Here is a draft formal complaint to the CFPB requesting FTC involvement against XXXX  XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear to whom it may concern, I am writing to formally complain about unlawful practices by XXXX XXXX and request immediate investigation and action from the CFPB and FTC. 

I filed an identity theft report with the FTC detailing fraudulent activity on my XXXX XXXX credit card account. Despite having notice of this activity, XXXX XXXX continued illegal collection efforts for the fraudulent charges and refused to remove the associated tradeline from my credit report. 

I am going to file a civil lawsuit against XXXX XXXX outlining violations of 18 U.S.C. 3571, 153, 372, 1001, 1005, 1962, 648, 712 and 15 U.S.C. 1681d, 1681n. See attached Supreme Court of Connecticut Docket XXXX. XXXX. XXXX XXXX was invoiced for {$10000.00} in damages but has failed to cease unlawful conduct. See attached invoice and affidavit of truth. 

XXXX XXXX is knowingly violating fair credit and debt collection laws. I request the CFPB immediately open an investigation into XXXX XXXX regarding this complaint. I also request the FTC join the investigation and enforce the identity theft report I previously submitted. XXXX XXXX must be held accountable for its blatant disregard of consumer protection laws. The company continues harming my credit and financial position. 

Please contact me immediately to discuss this urgent matter. XXXX XXXX must face consequences for its predatory practices. I look forward to the CFPB and FTC taking swift action on this complaint. 

Thank you for your attention to this serious issue. 

Regards, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX XXXX XXXX RIGHTS RESERVED Without recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a late payment which is negatively affecting my credit score.

This was one a rarely used credit card with electronic billing and was used in error. Once informed of the late payment, it was paid within 6 hours.

With over 25 years of credit history, my report has always been at the highest level and covers $ 100s of thousands of issued credit. 

The charge was for {$270.00}. 

I asked the bank to re-consider the credit reporting as the lengthy impact to my credit is not commensurate with the level of infraction. 

My request is that the late payment is pulled from the credit agencies. 

Thank you.
Product: Mortgage

In the process of refinancing my mortgage, I realized that I am still being charged for private mortgage insurance. My mortgage reached 78 % LTV in XX/XX/XXXX and should have been subject to the automatic termination clause of the Homeowners Protection Act at that time. Unfortunately, that did not happen and over two years later, I am still being charged {$10.00} per month for PMI. 

I have attempted to resolve this with SLS, but despite numerous phone calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I am no closer to a resolution. They are refusing to remove the PMI without a valuation and will not acknowledge the 26 months of PMI payments I have made after it should have ended. My calculations show that they currently owe me {$280.00}.
Product: Credit reporting or other personal consumer reports

This is in regard to report # XXXX. On XX/XX/year>, I contacted Experian regarding inquiries on my account that I have not authorized I do believe they're stalling to not address the issue. I'm attaching a copy of my social security card, a bill with my address, the letter I mailed then, and a certified copy of receipt.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totall devasted because of this situation and I feel someone is playig on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Product: Checking or savings account

I opened an account with XXXX XXXX XXXX XXXX and they restricted my account due to information obtained in a consumer rerport provided by XXXX XXXX. After obtaining a copy i learned that the discrepancy that restricted my account was a fraud claim that came from Bank of America. When I contacted BOA I was informed me of the activity they reported from an account i had with them in 2018 and I explained that I lost access of that account soon after opening it. I also explained to them that I reported the possibility of fraud after losing access to my account because I was XXXX at the time and my information was stolen. I went on further to explain to them that shortly after I reported my stolen info and the possibilty of fraud I was incarcerated  and was not released again until later on in the year of 2018. Representatives that i spoke with seemed unconcerned of any of this information and proceeded to attempt to collect a payment for these activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX  I had credit report pulled and noticed several inquires that was not made or do I have any knowledge about. Called Experian and advised of matter and fraud alert was place on my report. Have made several attempts with experian to get inquires remove with no success, so I then begin calling creditors to ask if they can remove, but they stated they did n't have record of me applying for credit. Called experian and told them what was told to me but they still want remove saying inquires are factual.
Product: Credit reporting or other personal consumer reports

Company was sent a cease and desist and continues to violate the law and continues and admits to continuing to report disputed information to my credit file when company knows it illegal. Cease and desist consists of ceasing ALL attempts to collect any debt and All communication regarding such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX  XXXX XXXX Balance : {$440.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}
Product: Debt collection

I had a phone bill with XXXX  which went into collections because of the financial situation I had. XXXX XXXX XXXX  report my account to FRANKLIN Collection account number XXXX. After my financial hardship was resolved, I contacted Franklin collection and resolved the bill. Frankrin agreed to delete this from my credit report through the credit agencies. Today, the account is still showing on my credit report as paid not not deleted as agreed. i have tried to resolve this with franklin to no success. Please assist so Franklin Collection can get this record deleted from my credit report. Thank you
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Accounts and Hard Inquiry on Credit Report Dear [ XXXX ], I am writing to formally dispute inaccurate information and fraudulent accounts that are being reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ) and applicable laws, I request an immediate investigation and removal of the following items : Equifax Disputes : 1. Hard Inquiry from XXXX XXXX  : I did not authorize this inquiry, nor do I have any accounts or interactions with XXXX XXXX. Please remove this unauthorized inquiry promptly. 2. XXXX XXXX XXXX XXXX : This account is fraudulent and does not belong to me. Kindly investigate and remove it from my credit report. XXXX  Disputes : XXXX. XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX These accounts are also fraudulent and inaccurately reported. I request an immediate investigation and removal of these accounts. This inaccurate and fraudulent reporting is significantly impacting my ability to obtain essential financial opportunities and is causing unnecessary harm to my credit standing. In accordance with FCRA 611 ( 15 U.S. Code 1681i ), I request that you : Investigate these items thoroughly. Remove any unverifiable, inaccurate, or fraudulent information. Provide me with an updated copy of my credit report after corrections are made. I have attached a copy of my government-issued ID, proof of address, and a copy of my credit report with the disputed items highlighted for your convenience. Please confirm receipt of this dispute and provide updates on the investigation and resolution in writing. You may contact me at the information listed above if further documentation is needed. Thank you for your prompt attention to this matter.
Product: Credit card

Review the attached documents. I request the bureau to start an investigation into these accounts. I have never been late, but they are erroneously reporting me as such.
Product: Debt collection

Upon discovery I see that Jefferson Capital Systems LLC is reporting an alleged debt onto my credit report without an active debt collector license required by the NC Department of Insurance to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70. I am demanding that Jefferson Capital Systems LLC cease all communication & collection activity immediately.
Product: Debt collection

Help Ive discovered 2 accounts in my name that doesnt belong to XXXX XXXX two cable accounts Ive talk to the agencies and the credit bureaus and neither one is helping me. Also my student loans Im not working and i advise them months ago and they are still reporting late payments. Please help me resolve theses concerning issues. 

Dates and amounts XX/XX/XXXX {$640.00} XX/XX/XXXX XXXX student loan