23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a list of inquiries : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

i got a car loan from Westlake financial, and contract end XXXX but i got XXXX deferred payments which accumulated more than {$2000.00} worth of late charges and fees. I only burrowed {$8300.00} at XXXX % {$280.00} payment since XXXX. its been XXXX years and still asking for additional {$2400.00}. already paid in total {$16000.00} in total.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Experian spoke with XXXX in dept : XXXX  in reference to my request for proof of verification. Within my rights according to the FCRA 611 I was disputing the following on XX/XX/2021 and XX/XX/2021 XXXX  XXXX XXXX {$16000.00} XXXX/XXXX  {$500.00} XXXX/XXXX {$2500.00} XXXX {$2200.00} When I received a response that they had verified the items and would not take any further actions. I sent a request for verification letter on XX/XX/2021, and XX/XX/2021 When I ask XXXX to provide the method of verification, since it has been more than the 15 day from 1st request. XXXX stated that they ae not required to provide me with the method and that If I wanted, I could re-start the dispute process. When I told XXXX that I was looking at the FCRA 611 he began to speak XXXX and say he could not hear me. That was XXXX minutes ago. I have been on hold for an hour. XXXX has not returned to the line. 

I then called and spoke with XXXX who after I told him my complaint also put me on hold, not returning to the phone. that was 59 minutes ago. 

I have provided them with everything to support my disputes on accounts, names and address and they send the same form letter. 

I'm asking for this to be reviewed by this agency. 

Regards.
Product: Mortgage

My mortgage loan was transferred by XXXX to Loan Care on XX/XX/2019. Loan Care is  supposed to be automatically debit my bank account {$1700.00} for my monthly payments. I was double-debited in XX/XX/2019 and have been trying to get my {$1700.00} double payment refunded. Details of my communication with Loan Care are shown below. 
XX/XX/2019 - My account was debited {$1700.00} for my XXXX monthly payment. 
XX/XX/2019 - My account was debited again for {$1700.00}. This was a double-payment for XX/XX/2019. 
XX/XX/2019 - Sent an email to paymentresearch@myloancare.com to report the double debit payment and request a refund of the XX/XX/XXXX payment of {$1700.00}. 
XX/XX/2019 - My account was debited {$1700.00} for my XXXX payment instead of the XXXX of the month as scheduled with Loan Care. 
XX/XX/2019 - Called Loan Care Customer Support and talked to XXXX to ask why my account was debited on XX/XX/XXXX instead of XX/XX/XXXX as scheduled. She said that my next payments will now be auto-debited from my bank account on the XXXX of every month. She also sent a request to process my XX/XX/XXXX {$1700.00} payment refund and asked me to resend my old XX/XX/2019 email to paymentresearch@myloancare.com. I copy-furnished the email to customersupport@myloancare.com. I was told to wait 5 days for the refund. 
XX/XX/2019 - Called Loan care Customer Support and talked to XXXX to follow up on the XX/XX/XXXX {$1700.00} refund. XXXX advised to follow-up after 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting act XXXX Account XXXXXXXX XXXX  XXXX # XXXX has violated my rights.15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 604 section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint and i am very dissappointed whenever i saw my credit file with such an erroneous informations i had found and that are all unknown to me. I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. Please have them REMOVED from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any ITEMS which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I want you to know that I am telling the truth and by XXXX not deleting these items is inadvertently. The following items are such an error to my file that needs to be deleted : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the reporting of late accounts on my credit report, which I believe are inaccurately reflecting my credit history. I have thoroughly reviewed my credit report from your agency and have identified instances of late reporting that I believe require immediate attention and rectification. I have outlined the details of the disputed late accounts along with an explanation of the inaccuracies, the late payment reported on the aforementioned accounts are not accurate. I have maintained a history of timely payments according to the terms and conditions of my agreement with the creditor. I have enclosed supporting documentation, including payment receipts and bank statements, that verify my consistent and on-time payments. I request that you conduct a thorough investigation into this matter and rectify the inaccuracies promptly in accordance with the Fair Credit Reporting Act. I am asking for your help for the correction of the late payment status associated with the mentioned accounts : 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 : {$3800.00}.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I am unaware of them, and the company acted without my permission.
Product: Mortgage

On XX/XX/2019 the amount of {$3700.00} was taken from my escrow account with Cashcall XXXX Mortgage and never applied to my property taxes. I have called multiple times to try and resolve this situation. During my calls the operators have acknowledged that this appears to have been a mistake on their part as my taxes due were in the amount of {$3600.00} and the incorrect amount of {$3700.00} was taken from account allegedly to pay my property taxes which did not happen. I had made calls on XX/XX/XXXX, around XX/XX/XXXX and again on XX/XX/XXXX to report this problem. Each time I call, I have to start from the beginning and they say they are escalating me to a supervisor and then to the tax department. Each time with no specific resolution. I was told on during my call on XX/XX/XXXX, that I would be getting a refund check in the mail once this was resolved which I never received. 

The amount of {$3700.00} was stolen from me by Cashcall Mortgage.
Product: Credit card or prepaid card

I made a purchase of {$260.00} on XX/XX/XXXX. I made payments of {$160.00} on XX/XX/XXXX and {$260.00} on XX/XX/XXXX. The minimum payment was {$140.00}. The closing date was XX/XX/XXXX ( please see attached statement ). That statement ( XX/XX/XXXX ) shows that I had an outstanding purchase balance of {$230.00} on XX/XX/XXXX. I have enclosed the previous months statement to show that there were NO other purchases prior to the one on XX/XX/XXXX. 
However, when I got the XXXX statement, it shows that I still have a purchase balance of {$210.00}. I have a promotional balance (@XXXX ) in XXXX of {$6900.00}. In XXXX, the promotional balance was {$7200.00} - a difference of {$380.00}. 

Apparently, the payment ( above the minimum payment required by Chase ) I thought would be applied to the purchase (@ 21.49 % ) was applied to the promotional balance first. It is my understanding that once the minimum payment has been met, payments in excess of the minimum would be applied to the highest interest rate balance first. This is not the first time that Chase has skirted US Financial Law to turn a larger profit. I need help in rectifying this problem, because my logic fell on deaf ears at Chase. Thank you in advance for your assistance. 

Respectfully, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I moved my coins from my XXXX XXXX wallet to Binance us wallet on XX/XX/2021 in order to trade them later and after XXXX days I was not able to trade, transfer back to my wallet, I also can not withdraw my money to my bank. When I attempt I get an Error message : Rejected, Withdrawals suspended due to risk management. I also get a message Trading has been suspended when a try to trade my other coins. It's been XXXX weeks and I still can not do anything. I haven't gotten any response from support regarding this issue after sending several support tickets. I am concern I will never be able to get my money and feel they have taken my XXXX as XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX no phone listed
Product: Payday loan, title loan, or personal loan

Ally Financial Inc., has continued to ignore my notice of billing errors, and they have continued to report data that is known to be false or would be known to be false. I have requested documentary evidence according to GAAP and they have refused to disclose this information. I have requested account-level book keeping information to verify that the information is accurate and they have failed to disclose this information. Confirming that the data being reported to third party credit reporting agencies to be false or would be known to be false. I am requesting this information to verify that the data being furnished is accurate and is in compliance with the XXXX XXXX standard for companies that furnish information to credit reporting agencies. This false information has not been verified upon request and my dispute has not been reported causing my credibility to be questioned. It has also caused mental anguish and severe stress. The damage I have suffered from their failure to comply is in the amount of {$50000.00} that I am seeking in relief.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/2022 : Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should include an active payment history. This inaccurate information falsely manipulates the statute of limitations and investigate this account properply after I asked you to do it twice and your neglect violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED TN XXXX XXXX XXXX BALANCED {$2300.00} ( Original Creditor : XXXX XXXX XXXX XXXX BALANCED {$0.00} This account has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts 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 ( " XXXX XXXX, XXXX '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Product: Credit card or prepaid card

I have been trying to stay 1 month ahead on my Capital One credit card but they keep charging me a {$25.00} late fee. On XX/XX/2018, they told me that I can't pay ahead because they apply the 2nd payment to the same statement for the month that I had already paid. So, the following month, they charged me a {$25.00} late fee even though I had paid for that month. They told me that all credit card companies do the same. 
Maybe they all need to be investigated and forced to refund those charges to consumers. Just because they all do it doesn't make it legal or ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I've attempted to make a payment 3 times to this credit card company and it was returned to my bank account. The fourth time I attempted to pay it went through and unfortunately at this point it was passed the 30 day mark. I called them twice to make the payment over the phone and it still didn't go through. 

Attached is evidence of me attempting to pay and them returning it into my account and me calling them trying to pay over the phone. 

I called to have this resolved but they were unwilling to work with me despite my attempts of payment.
Product: Checking or savings account

XXXX issued a credit with proof attached after XXXX disputes a purchase with them. My bank pushed it off on XXXX and XXXX as to why the credit still after months has not been posted to my account. The amount is {$260.00}. It was credited XX/XX/2022 and XXXX never posted or followed up.
Product: Debt collection

On XX/XX/2019 @ XXXX Bonneville collections called my work from XXXX and spoke with my coworkers at that time she broke the fdcpa third party Disclosure and told her she was calling to collect on a Debt
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

-- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -Equifax -- -- - XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX has continued reporting incorrect information to credit Companies 's. With different disputes on two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exsperian, XXXX.. incorporated information which for over 90 days which has has my account in the negative I'm bein denied for credit ..after investigation dispute ll Received A Letter from fXXXX XXXX XXXX . Apologizing for the inconvenience they have caused this letter came XX/XX/year>. Passed l don't owed XXXX XXXX XXXX. Which the Letter attached below is proof of this continuing disputes.
Product: Money transfer, virtual currency, or money service

In XX/XX/year> I sent {$1000.00} to my husband via Zelle in my XXXX account. At transaction did not get to him as it kept saying pending but was deducted from my account. I cancelled it XXXX days later but the money was still deducted from my account. We learned that there was fraud on my husbands account and he did not receive the funds. His bank opened a new account for him but the Zelle of {$1000.00} still did not get to him. XXXX and Zelle both told me they could not refund the money because I sent it. It still showed as pending then canceled transaction.
Product: Debt collection

On or around XX/XX/2024 I requested validation of this debt, and no proof has been provided within the required timeframe under FDCPA Section 809 ( b ). I dispute its validity and request its removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint filed with XXXX XXXX, Equifax and XXXX regarding unauthorized and unverified accounts on my credit report. Information is misleading and goes against the FTC Laws ... FTC report filed due to information on my credit report that is not accurate. Report is attached please delete all reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3400.00} on XXXX XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently and does not belong to me. I have filed a formal complaint with Identity Theft.gov as well. Please see confirmation page with reference number XXXX attached. I did not now, nor have I in the past had an account with XXXX XXXX XXXX/XXXX   XXXX. I did not sign nor did I give permission for this account to be opened. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Checking or savings account

Hello the CFPB, and USBank. 

I would like to dispute some transactions today. I would also like to change my account number, remove any restrictions my account has, and order a brand new debit card with a new pin. My last request is that any overdraft paid fee, is reverted. 

If this is not done within 30 business days, I will be forwarding this to the XXXX and taking any necessary actions needed. 

Any transactions you see from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX need to be reversed, and the fees associated with it wether it be overdraft, or processing fees need to be REVERSED BACK TO ME. 

I have updated all of my emails, passwords, and phone numbers so this can not further happen. I've attached my account transaction history.
Product: Credit reporting or other personal consumer reports

XXXX Privacy Act of XXXX ( 5 U.S. Code 552a ) The Privacy Act of XXXX, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.