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

recently checking my credit report i noticed that l 've been a victim of identity theft and found numerous credit inquiries l have no knowledge of here are the inquiries that l 've found XXXX XXXX XX/XX/2024, XXXX  XXXX XXXX XX/XX/2024, please remove these fraudulent inquiries from my credit l also attached my identity theft report as well.
Product: Money transfer, virtual currency, or money service

I have complained before and the department just put ne on hold. I do know that all calls are monitored and recorded. And that to me is my only way of providing that I was mis treated by this company.
Product: Credit card

After repeat attempts for assistance with managing my accounts and the online options that Target provides, Target was unable to assist me and then would not work with me on removing some of the fees assessed as a result. I have a Target Redcard and I was having trouble managing it with electronic statements. I contacted to try and get paper statements I was told that I had to change them online, online it has a link to Stop Paper Statements no link to stop electronic statements or even manage electronic statements. Since I was unable to manage my statements I incurred XXXX late fees. When I attempted to correct this situation. Target informed me that they can not make a refund after 30 days, I never agreed to that and if I was able to manage my electronic statements I would have known within 30 days that I had an outstanding balance ( emails easily get lost - which is why i tried to change to paper ) and would have paid it and not incurred anymore fees but now i am told that no fee can be returned and that the fees will be sent to a collection agency if I do not pay them. They say they are sorry but there is nothing they can do.
Product: Credit card

Received a Balance Transfer offer from Chase Bank which explained the terms of 0 % interest for several months and a XXXX % transaction fee. See uploaded documents. I used the on-line transfer mechanism to complete the transfer of an account balance from a XXXX 's credit card of {$15000.00}. The Offer documents contained no reference to any special repayment terms ( method of calculating ) that would be implemented if I took advantage of the offer. I have been a long term customer of Chase with an 18 year experience base with payments regarding my credit card account. At no time during those 18 years did I ever encounter any minimum repayment terms that were more than XXXX % to XXXX % of the account balance. When I checked my account several days after completing the transfer I saw that a payment was due of some amount ( was not in excess of {$150.00} ) which I promptly made a payment of {$150.00}. several days or maybe 10 days later I looked at the account on-line to make sure that my payment had been recorded wherein I discovered that the upcoming minimum payment due was {$750.00} ( by memory ). I was shocked but thought that since I had just recently completed the transfer and had made a payment that maybe there was some type of glitch that caused the unheard of minimum payment. I thought that I just needed to give it a few more days to sort out the obvious error. But the Minimum Payment has not changed. The situation prompted 2 or three phone inquiries to Chase where in I was first told that the minimum payment calculations had recently been changed to be XXXX % of the unpaid balance. I asked that to please tell me when and how such notification occurred. To which I was told that a letter would be mailed to my home address. I was not told that these new terms were made known to me or that they were included as part of my account or that these re-payment terms were a part of the Balance Transfer offer. On my last call ( today XX/XX/2016 ) the man who looked at my account began by telling me that minimum payments are calculated at 1 % of the unpaid balance plus interest and any late fees or penalties. He then stopped after looking at my minimum payment and said that the rate was XXXX %. This is a clear case of unfair and deceptive consumer practices. An offer was made, of which I accepted and then new terms are applied to the transaction which will put my account in default and result in additional fees, penalties and charges. 
I want the repayment terms to be established at no more than XXXX % of the unpaid balance and any extra fees, penalties or interest charges to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with your agency is still reporting two erroneous accounts in the derogatory accounts section. A collection with XXXX XXXX and a Public Record with a Bankruptcy Court in XXXX, Al. I've asked you before to verify and send me proof that these items belong to me. I haven't received anything in over 3 months. After doing my own investigation I have received letters from both accounts verifying these arent my accounts. The two letters are attached. Please delete these accounts as soon as possible. Thanks.
Product: Bank account or service

Td bank continued to overdraft my account without any notifications and now, I have overdraft fees I ca n't afford. I 've paid them literally THOUSANDS in overages, then as soon as I 'm out on medical leave, I 'm faced with this! Prior to, I purchased a money order from them, and had to wait 90 days with the receipt to get it back!!! RIDICULOUS then after I reached out to clear, they give me only 30 days. Uggghhh
Product: Bank account or service

I am steady receiving harassing, threatening, abusive telephone calls, and death threats from Wells Fargo Bank debt collectors for a debt and checking account that do not belong to me. I have never applied or opened a checking account with Wells Fargo Bank. The checking account was opened in my name illegally and fraudulently, because someone stole my identity and personal information. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  ACCT # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear [ XXXX TRANSUNION XXXX ], I am writing to express my extreme dissatisfaction with the lack of progress regarding my dispute of fraudulent activity on my credit report. I filed a fraud claim on [ XX/XX/XXXX ] regarding [ listed items in each attachment ] The Fair Credit Reporting Act ( FCRA ) mandates a response from credit bureaus within 30 days of receiving a dispute. It has now been 56 days, and I have yet to receive any communication regarding my claim. 

This lack of response is unacceptable and a clear violation of my rights under the FCRA. These fraudulent entries have been on my report for a significant amount of time, and your continued inaction is causing me undue harm. 

Due to your failure to comply with the FCRA, I am prepared to take the following actions : File a lawsuit against your bureau. 

I demand immediate action on my dispute. Please remove the fraudulent entries from my credit report and provide me with a written confirmation of this change. 

Sincerely, XXXX XXXX
Product: Debt collection

I was contacted by my aunt, someone XXXX dont have regular or consistent communication with, to say a company who refused to identify themselves to her said they were looking for me. They asked my aunt for my number, and when she refused out of safety for me, they informed her that the listed claimant has now been officially served, only after giving my aunt a phone number to call and a claim number. She called me and i called the company who said they are XXXX XXXX XXXX, acting as a debt collector for the company, World Finance. They informed me that if I didnt pay them {$320.00} for a debt they collected that was over XXXX XXXX XXXX, they would sue me for breach of contract and intent to defraud, as well as be liable for all attorney fees as well as over {$500.00} for the actual debt. I requested my original and signed contract to be mailed to my address, and the representative refused, saying i dont need to do that since I sent it to the previous address on file. The previous address he listed not only was wrong, but had burned down 4 years ago as well. To this moment, I still dint know how or why they would have contacted my aunt, essentially breaking my right to privacy, when she was NEVER listed as a reference for the original account with World Finance.
Product: Mortgage

This is a follow up to a previous complaint. XXXX XXXX XXXX with Flagstar bank is still asserting that there was a lapse in flood insurance has Flagstar bank has not fully refunded the lender placed insurance. 

Please note THERE HAS NEVER BEEN A LAPSE IN FLOOD INSURANCE AT THE PROPERTY AS EVIDENCED BY THE ATTACHED 3 YEARS OF FLOOD INSURANCE DOCUMENTATION. 

Also please note the attached documents have been submitted to Flagstar bank several times. 

I am requesting a full refund of all lender placed insurance premiums that have been charged to my account since its inception. 

I am also requesting CFPB take action against Flagstar bank for willful refusal to refusal to refund the premiums when provided with evidence the property did not have a lapse in coverage as required by law. My family is continuing to experience financial consequences due to the escrow acct not being accurate. We have had to make additional advance mortgage payments to ensure our account is not reported as delinquent due to the payment amount discrepancies. 

XXXX XXXX XXXX
Product: Debt collection

This is a debt I have no knowledge about, i have tried disputing the debt before. 
Here is a copy of the debt. 
ASTERN ACCOUNT SYSTEM, INC. 
Last reported XX/XX/XXXX {$1600.00} Open balance EASTERN ACCOUNT SYSTEM, INC. 
Original creditor SNAPSHOT Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name EASTERN ACCOUNT SYSTEM, INC. 

Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on XXXX XXXX XXXX XXXX members
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX.
Product: Vehicle loan or lease

I signed the lease in XXXX and cancelled two service contracts in XXXX. The cancelation form was processed on the same day ; however, the cancelation refund was not issued until three months later ( XXXX ), after my multiple contacts with three different parties : XXXX, XXXX, and local dealer. 

I noted that the refund amount missing the SALES TAX portion which I had paid when I purchased the lease in XXXX. Today, I was told by the local dealer that Sales tax is not a refundable or cancellable item. If that is true, please send me the regulations or references regarding this topic.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX XXXXXXXX account XXXX is inaccurate because It contains inaccuracies on my credit report. Based on the information obtained from other Credit bureaus the Date Opened, Last Payment made, XXXX XXXX amount, and Close Date are inconsistent throughout credit bureaus XXXX, XXXX, and Equifax. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX account XXXX is inaccurate because It's missing from the Equifax credit report. Based on the information obtained from other Credit bureaus the High Balance, Date of last activity, Date Opened, Close Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX account XXXX is inaccurate because It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit Beraous the High Balance, Date of last activity, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX account XXXX is inaccurate because It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit Beraous the account number is invalid and missing, Also, High Balance, Date of last activity, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX is inaccurate because This item is not being reported on Equifax but only being reported by XXXX and XXXX, Also, It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit bureaus the account number is invalid and missing, Also, High Balance, Last Verified, Date of last activity, Date Reported, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
Enclosed is documentation supporting my request : Credit Report XXXX showing the inconsistencies reported by XXXX, Equifax, and XXXX showing different wrong contradicting information from each other. 
Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

I have looked and my credit and notice many, many inquiries and a couple or several accounts inaccurate and not correct due to identity theft, They keep coming back verified and ask for additional information, when disputing, how can a consumer provide additional information on a account that isnt theirs.Also the large amounts of inquiries and fraudulent, unauthorized or unauthorized selling and using of my credit reports with out knowledge or consent. I get told they can not be disputed, but the FCRA states I can dispute anything un true, not mine or inaccurate, it does not exclude inquiries.I expect the companies to verify these inquires to the fullest amount allowed by law, but they do not and when I call some of the companies the say they have no record of that inquiry and tell me to dispute it with bureaus .See it easier and cheaper for these companies to just report these inaccuracies, then to fix them by investigating them .So to keep it simple I would like for the credit bureau to investigate the list of inquiries, cause it is to many to list that fraudulent, or unauthorized, and of dispute the derogatory accounts as well as XXXX XXXX XXXX who is reporting a fraudulent account and also reporting a in correct date, by saying the collection is recent of 2014, that is with them, but law states the must report the original date of collection which was many years ago then that before it became fraudulent and was sold to them, they are basically re again the account to damage a consumer score more, a complaint has been filed against them as well.Also I have viewed all of my good accounts and they are all up to date and correct, which that part I am glad to see, but the part that is damaging score as all these inquiries that arent mine is a taking a big toll on me by lowering my credit score and causing me many denials when I did apply.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$1700.00}.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Has Violated my rights.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1618 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2020. My account was on auto bill and my payment of XXXX did not go through. I reached out to the company and they said that the saw that the payment tried to go through but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Payday loan, title loan, or personal loan

Hi there, I am in a series problem with a lender company, who has finance charged me {$7000.00} for only {$2000.00} for one year title loan ( more than 350 % finance charge a year ) my family and my XXXX children are struggling due to this loan, they have sent a two truck to pick up my car due 27 days late payment, but the our contract says if I miss the payment over 30 days, on that case they can tow my car, they gave my wife almost a XXXX XXXX, please investigate this company, I have a lot to say here for this matter, but i am concern about my privacy, please contact me for more information and rescues me from brutal people. 

thanks
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an alleged collection account that is being reported on my credit report by XXXX XXXX XXXX. This account references an amount of {$840.00}, purportedly from the original creditor, Fortiva Credit. Upon contacting Fortiva Credit directly, they were unable to locate any records associated with my file. I am unaware of any relationship with either Fortiva XXXX or XXXX XXXX XXXX, and I believe this account is fraudulent. 

This reporting is a violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you investigate this account and take immediate action. 

To resolve this matter, I am requesting that XXXX XXXX XXXX provide the following : Proof of their authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
The legal basis for their collection efforts. 
Proof of their authorization to operate in my state. 
Evidence supporting the alleged debt, including any signed contracts or agreements. 
A full and complete account history, including all related charges and transactions. 
Their failure to provide this information violates FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand that this fraudulent account be immediately removed from my credit report, and this matter be resolved without further delay. 

According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all three credit bureaus as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureaus. 

I appreciate your prompt attention to this matter and look forward to your assistance in correcting this issue.
Product: Credit reporting or other personal consumer reports

Good day again I have asked Transunion to correct the items that I disputes on my credit report and I have been denied that right threw stall tactic letter after the period of time stated in then Fair Credit Reporting Act 15 U.S. Code 1681i - Procedure in case of disputed accuracy this credit reporting has sent me multiple letters with a hope to discourage me from my legal rights I say again due to there negelence I have been been denied opportunities as a American citizen and I demand that those items sent in dispute be deleted immediately The damage and hardship you have caused myself and family has caused us finical hardships due the fact of lining your pockets and I will be reporting and exercising my legal right rights that a forwarded to me under the Fair Credit act Attached are the attemps of this agency using stall tactics
Product: Mortgage

I have tried to resolve my escrow account with roundpoint mortgage mutilple times. They took over servicing in XX/XX/XXXX of 2015 and did not pay the second parcel. They refuse to fix the situation and I do n't know how to get this resolved.
Product: Student loan

I received notice from Citibank ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both Citi and XXXX have told me.
Product: Credit reporting or other personal consumer reports

Request for Verification of Late Payments for Accounts XXXX and XXXX Dear Self Inc. , I am writing concerning two accounts appearing on my credit report under your company : Account XXXX Account XXXX Both accounts are reported as closed and paid but indicate late payments during their reporting history. Please note that I am not disputing the accounts themselves ; however, I am requesting verification of the late payments reported. 

Specifically, I am requesting the following information for each late payment reflected on my credit report : Proof of each late payment Date of Last Payment Date of First Delinquency Date Opened