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

While reviewing my most recent credit report ( s ), I noticed fraudulent inquiries that I do not notice nor did I authorize anyone to pull my credit report. The inquiries are as follows below PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please validate XXXX with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C 1681b ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$XXXX} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek damages which are greater than {$XXXX}. Send payment immediately via Certified Funds to : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

TransUnion , LLC is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a bankruptcy that showed up on my credit report. Every time I send TransUnion a letter requesting signed written verification or validation, They just send me a letter back stating that it has been verified. So I called the XXXX Courts and I was told by the Courts that they do not, will not and ever will report to the credit reporting agencies due to privacy laws. what baffles me is that TransUnion is claiming that this account was verified, Who is verifying it?? I have attained legal counsel over this matter and will be filing a lawsuit as soon as possible. According to the Fair Credit Reporting Act, ( A ) ( 1 ) ( A ), Credit Reporting Agencies are required by Federal Law to verify, Through the physical verification of the original signed consumer contract, Any and all accounts they post on a credit report otherwise, Anyone paying for their reporting services could fax, mail or email in a fraudulent account. If this account can not be verified or validated, It must be deleted immediately!!! If you need any more information, Feel free to call me at this number, XXXX XXXX XXXX XXXX. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XX/XX/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 XXXX 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, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Intent to file lawsuit, No validation of debt. 


Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX FAX : ( XXXX ) XXXX To Whom It May Concern : Please be advised I have requested validation of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : XXXX. I had this service. 
XXXX. What services I am being charged for. 
XXXX. What the cost of each service I am being charged for. 

According to 603. Definitions ; rules of construction [ 15 U.S.C. 1681a Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ) the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 

XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Vehicle loan or lease

Good morning, I am writing this letter regarding my former car, a XXXX XXXXXXXX XXXX XXXX I received a ton of calls and emails advertising a trade-in of my current lease for a new vehicle/lease. I followed up with a salesman and informed him that I went over my allocated miles and the vehicle was in an accident. He informed me that the dealership would take care of it. Because I was obtaining a new lease at a new monthly payment, the accident and the excessive mileage of the old lease would come out to the same. After I traded in the lease and acquire the new car, I was called by Acura Financial months later and was informed that I was liable for the excessive mileage and the payment was past due. I tried to inform Acura Financial that XXXX XXXX was taking care of the mileage, but they said they have nothing on record of this agreement. Because I could not let this affect my credit, I agreed to pay in installment to find out what happened with the dealership. I tried to contact the dealership multiple times until I ultimately contact the New York State Department of Financial Services and the New York State Attorney General office. The only solution was to provide a discount. I can not afford to let this affect my credit. I work for the Department of Justice and this could jeopardize my career. 

I would like to ask XXXX XXXX to pay the remaining balance ( XXXX ). Please contact mebefore XX/XX/XXXX to confirm that my request will be honored. If I do not hear from you by then, I will report this incident to the appropriate agencies. Besides, I am a loyal customer of XXXX XXXX and have always spoken highly of the dealership and always recommended XXXX to all friends and coworkers and would like to be able to do so in the future. I truly thank you for reading this email. I look forward to hearing from you.
Product: Mortgage

Im currently on a repayment plan with my mortgage company Mr. Cooper. For the months past due, its been divided into 12 months and added to my regular mortgage payment. From XXXXXXXX XXXX XXXX to current, I have been paying my regular mortgage on time however, its not being reported as on time. The mortgage company although have already reported the delinquent months to my credit are not giving me the proper credit status for my regular payments. I believe this to be unfair that my payments that are paid on time are not being reported accurately.
Product: Debt collection

I don't know who these people are.i asked for a debt validation and they sent me a letter with someone else 's email address on it.
Product: Debt collection

Out of the blue, I received a letter 10 months ago from a collection company, Sunrise Credit Services of XXXX, NY. The letter was dated XX/XX/XXXX, and it was alerting me that Sunrise  was collecting a past-due balance of {$350.00} from me on behalf of XXXX XXXX  XXXX of XXXX XXXX XXXX NY. I was baffled and stunned to receive this notice because I had paid my cable bill in total to XXXX XXXX before cancelling service with them in XX/XX/XXXX and returning the cable box and equipment. I never received any further communication from XXXX after paying my bill in total, canceling service because I moved to another residence and returning equipment. Immediately after receiving this notice about a bogus bill in my name, I contacted the XXXX XXXX XXXX and filed a complaint against XXXX XXXX and Sunrise Credit for trying to collect a bill that was not mine and failing to communicate with me the details of the alleged bill : what were the dates of services, what kind of services, what were the original charges, when did the bill become past-due? In a timely manner, XXXX XXXX sent me a letter notifying me that they will never contact me again or hire any third-party to contact me on the company 's behalf about this bogus past-due claim for {$350.00}. Additionally, I never again heard from Sunrise Credit Services. I was satisfied with the responses and considered the matter closed. However, nine months later, I received an annoying letter from XXXX XXXX of XXXX XXXX, XXXX, advising me that they are collecting the same alleged past-due amount of {$350.00} from me on behalf of XXXX XXXX XXXX for unspecified service charges. Again, this was out of the blue, no earlier letters or phone calls. Further, XXXX XXXX, reported this bogus past-due allegation in the amount of {$350.00} as an unpaid collection to XXXX credit reporting services, which lowered my near-perfect credit score by XXXX points from a near-perfect XXXX to a paltry XXXX. Immediately, I filed a complaint against XXXX XXXX, XXXX and XXXX with the XXXX XXXX XXXX. I am awaiting a XXXX response. XXXX XXXX is the parent company of XXXX. XXXX should have abided by the decision of XXXX to stop any further actions against me for an alleged debt that they could not confirm as mine and could not specify, qualify or quantify or provide specific details of any kind to me because the charges were not made by me. Instead of ceasing and desisting actions against me based on fraudulent and flawed information, this bogus past-due collection was sold to another collection company to pursue actions against me after I was told by the initial alleged creditor, XXXX XXXX XXXX that all attempts to pursue this bogus collection would be stopped. XXXX XXXX XXXX
Product: Credit card

I'm in a debt settlement program with accounts held at Navy Federal Credit Union. I deposited {$2500.00} worth of currency into my Navy Fed checking account and the funds were automatically applied to my closed credit card without my permission on XX/XX/XXXX. I called them and they told me they wouldn't reverse the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1666b - 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX 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: Mortgage

Was having trouble with making mortgage payments. Last payment was made XX/XX/2022. Was asking for assistance and my mortgage company was trying to get me to refinance. Finally someone advised me of the XXXX that the states were providing and I got approved for the state of Florida. The approval was for past due amounts from XXXX to XXXX. The total amount was {$6100.00}. 
I sent PHH Mortgage the proof of approval and still as of XX/XX/2022 have not applied the approved amount. 
I have tirelessly attempted to try and make sense with someone since this whole process has started and they keep asking for the proof or copy of check and check routing or account number. They state of Florida wont give me that, and when I finally spoke to a XXXX at XXXX, they explained that they sent a large lump check because with the amount of homeowners who mortgage with PHH MORTGAGE/XXXX XXXX  was over XXXX XXXX dollars. Now I received a foreclosure letter when I told PHH mortgage I have the remaining balance amount ready to pay once the XXXX payment has been applied.
Product: Credit card or prepaid card

I have paid off my credit card. However Im still receiving late payments. I have contacted Capital one to resolve.
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. 


ACCT NAME/NUMBER : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Checking or savings account

On XX/XX/2023 I made a purchase at an ice cream shop with my spouse for {$12.00}. CashApp over charged me by adding a tip of {$12.00}. They took money from my savings account to cover the fraudulent charge. They now owe me {$12.00}. 
XX/XX/2023 got a text stating that i need to add money to card, because account went negative. due to a tip of {$12.00} being added to account. 
XX/XX/2023 I called ( XXXX ) them, the stated that the can not give me my money back at this very moment due the fact they are still researching the issue. WITHHOLD FUNDS THAT WERE FRADULENTLY TAKEN FROM ME IS NOT A ME PROBELM but a cashapp problem. I need all my money back and will not use their debit card except to receive cash and to transfer out.
Product: Mortgage

TIAA Bank erroneously reported to all 3 credit bureaus erroneous information about our account and it has hurt our credit scores. Our mortgage went into forbearance under the Cares Act because of COVID. Our last payment was for XX/XX/XXXX and it was made in XXXX of XXXX. On XX/XX/XXXX, TIAA Bank, the lender, erroneously reported to XXXX XXXX & XXXX that the account was closed. Our account is not closed. Second, the mortgage lender reported to the credit bureaus erroneously that payments are " late, '' are " 180 days past due. '' Third, TIAA Bank erroneously reported incorrect balance due amounts, showing a balance increase between XX/XX/XXXX and XX/XX/XXXX. Our balance has not and should not have increased. When we brought this to the attention of TIAA Bank and their servicer XXXX, they said it should not have been reported closed, should not have been reported late, and the balance should not have gone up. However, they have not corrected it nor have they responded in writing of their intention to correct the problem. Their erroneous reports have caused our credit scores to drop significantly. My husband 's score dropped well over 100 points and he went from being in the XXXX 's to being in the XXXX 's. My score dropped as well. We have filed formal disputes with all three credit bureaus but this has been incredibly stressful to have our lender file so many erroneous things during this pandemic when we are already suffering in forbearance. We were promised by TIAA Bank there would be no negative consequences to asking for forbearance but they have ruined our credit and caused us to spend many hours disputing it. Your help is needed and you need to know how this bank has treated us during this stressful time. Thank you.
Product: Debt collection

On XX/XX/2013, XXXX XXXX XXXX, XXXX, an apartment complex leased a unit showing me as a co-signer/guaranty on the lease. I did not authorize nor sign the guaranty. They did this without any identification. They have referred the debt to a collection agency who has put in on my credit report as in collections. I have disputed this to the collection agency as well as on my credit report ( XXXX XXXX ). I am trying to get a mortgage loan and I had to temporarily lift the dispute so that the mortgage company can get an accurate credit score. This account should not be on my credit report. I have written XXXX XXXX XXXX ( the collection agency XXXX XXXX XXXX, XXXX, XXXX XXXX ) and they have refused to remove the collection from my credit report. I sent them proof to show that this was not my signature and also my address on the guaranty was not correct. How can a company hold me responsible for a debt when they did not seek identification to certify the co-signer. The amount shown on the guaranty letter is XXXX but the amount on XXXX XXXX is XXXX. I am not responsible for this. The leasing agent was negligent in not securing identification and should not have processed this.
Product: Checking or savings account

On XX/XX/2018 I used an atm inside a branch to withdrawal {$1500.00} from saving account and 5 minutes later I noticed that I am missing {$1500.00} from checking after the withdrawal, so the atm withdrew {$3000.00} but I am only received {$1500.00}. I missing {$1500.00} from my checking account.
Product: Debt collection

Second XXXX is attempting to collect and sue over an account that was paid in full by XXXX insurance provided by XXXX XXXX in 2012. This debt is false. I am being harassed over the phone with multiple phone calls back to back and they have come to my home at XXXX at night threatening my spouse