23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Debt collection

There are 2 accounts which i paid in full ones for XXXX n the other is XXXX they both been payed in full
Product: Checking or savings account

On Wednesday, XX/XX/year>, I was supposed to receive a routine direct deposit of funds that usually comes every other Wednesday around XXXX XXXX. I did not. I initially thought that since it wasn't exactly two weeks since the last payment due to XXXX XXXX XXXX XXXX and having no notification nor communication from Capital One about there being an issue with the system at all, I figured it would come today, Thursday, XX/XX/XXXX. It is now XXXX EST and still have not received Direct Deposit. I called the customer service line at XXXX EST today and spoke with someone who refused to answer my question/statement directly : I said I was calling to get an update regarding the direct deposit issue and if I finally got my funds, would my debit card work as well since I read that people were having transactions declined using their debit card as well. She followed my question with what seemed like a scripted response, as in she started saying that they are having a technical issue related to personal and some business accounts and were working to get them back up and running as soon as possible. I've read and heard the exact same response on the support page and support automated line; I was hoping that I wouldn't be given a canned response, and I tried asking in a different way and I got a recycled response. So I gave up. Capital One has started posting that functionality and deposits should be restored throughout the day ( what's left of it if it even gets restored ) and MOST issues to be resolved by tomorrow morning. I never got official direct communication from Capital One saying there was anything wrong at the beginning of this problem and now I have no idea when I'll get that money. 

I used the last of the baby wipes I had for my two month old today, the fridge and pantry is empty of viable meal choices, some of my bills are overdue from using what I could to pay for XXXX and birthday for my oldest daughter ; this direct deposit check that was supposed to come YESTERDAY would take care of all of those issues and more and made me ahead on bills, and now I am in limbo. 

This is now textbook definition of incidental damages in the realm of the law, and I want a resolution.
Product: Credit reporting or other personal consumer reports

I am writing you as a follow up to your claim that the following account ( s ) has been verified fair collections and outsourcing This is a request for a reinvestigation for accuracy and completeness. Please provide the details on your method of verification used to verify the above account ( s ) within 15 days of the completion of your reinvestigations in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ] which states Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In addition to the above, please be sure to include the contact information for each person that actually verified the inaccurate account ( s ) by providing their name, phone number and address. I will be reaching out to each person to question their method of verification. Please also include a copy of any documents that bear my wet signature and the amount owed on a contractual agreement. Please be advised that I am making a final attempt to request your method of verification. Be advised that automated means of verification like XXXX and XXXX are prohibited and will not be accepted. reinvestigation AND your Method of Verification. Should you continue to ignore my request or fail to resolve this matter you may be liable for willful noncompliance as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX  ). I may also be forced to file a case against you if you decide not to comply.
Product: Credit card or prepaid card

On XX/XX/XXXX I sent my original dispute to state farm bank for an unauthorized account being opened in my name. State farm forwarded my complaint to XXXX XXXX XXXX that bought the debt from state farm bank. On XX/XX/XXXX. XXXX I mailed another dispute letter directly to XXXX, XXXX completed its investigation into my fraud claim, ruled it in my favor, closed out the account at a XXXX  balance. To date State Farm Bank will not remove this account from all three credit agencies which is in violation of my due process rights.I 've been XXXX  at XXXX XXXX XXXX XXXX in the Oklahoma XXXX XXXX XXXX since XX/XX/XXXX. And I gave them the opportunity to resolve my issues but it fell on deaf ears.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conducts reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

On XXXX XXXXXXXX XXXX XXXX XXXX ADDED A COLLECTION/Charge-off to my credit report. For amount of {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being reported :
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter that has been of concern to me and has had a significant impact on my credit report. I recently reviewed my credit report and noticed that there are late payments reported for my accounts. 

XXXX XXXX  This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX  customer service I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

If there is any additional information or documentation you require to support my request, please let me know, and I will promptly provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint number XXXX, filed against XXXX. XXXX  seems to be confused as to the reason of my complaint. It WAS NOT a dispute complaint, as this is NOT the forum to properly file a dispute. The nature of the complaint was to inform the CFPB of the violations that XXXX  is perpetrating against me. As stated, I have formally requested on more than one occasion to have several trade-lines on my personal credit profile 'validated '. I have furthermore asked that according to the law, that after validation ( if possible ) have those validating items sent to me proving they those trade-lines belong to me. Validation proof, according to the law would be contracts with my WET INK signature on them. XXXX  HAS NOT followed the law according to the FCRA by sending me this validation. Yet XXXX  only sends that the trades-lines are 'verified '. The law states that there should be a 'reasonable investigation ' for a consumers disputes. Waiting 30 plus days to receive that the items are 'verified ' WITHOUT following the federal guidelines of my disputes are a gross violation of my federal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXXXXXX 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: Bank account or service

citi bank did n't response to my argue sent on XXXX regarding to Case number : XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my Equifax report and saw a hard inquiry from USF Federal that I didn't authorize on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I was hacked and XXXX was stolen from my account on XXXX, cash app denied my refund
Product: Debt collection

Purchased a XXXX vacuum system billed through XXXX XXXX XXXX XXXX. 

I had missed a payment over a year ago and the company started attaching late fees to my account every month because I did not date my payment for the due date ( I had paid multiple payments BEFORE the required due date and in many case paid a few dollars more. ) I have all bank statements that show a payment every month. 

Every time I attempted to speak with customer service I was told there is nothing they could do to stop the late fee from becoming so high and continue to add fees even though I pay my monthly due amount. So essentially, I will NEVER pay this off. 

I offered to return the item and repeatedly asked to terminate the agreement and all requests made to UCFS were not granted due to original product contract. 

I continue to pay the monthly amount due per contract agreement and I'm STILL receiving calls regularly that state I need to get my account current to avoid further action but every time I ask to speak to a manager or supervisor, I am told there is nothing they can do.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$34.00} XXXX XXXX *** Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Charged off XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

After a lengthy process, PHH agreed to remove escrow impounded account verbally towards the end of XX/XX/year> but a letter was issued that it will be effective XX/XX/year> XXXX payment was received for principle and interest total {$1400.00} with a bank statement showing an escrow deposit of {$1000.00} for XXXX escrow payment in a new account we set up in my name to be the new escrow account that is replacing the mortgage escrow account that has been approved for removal XXXX XXXX which was due at the time its payment was received has not been applied to XXXX principle or interest. Instead it was broken up and distributed as fees, expenses and principle curtailment and the rest put in an escrow account even though it will be closed in a few days Now they are demanding another payment duplicating XXXX already paid but also increased for the full escrowed amount of {$2400.00} which will bring the total funds demanded for XXXX {$3800.00} which exceeds the amount actual of {$1400.00} Added to this XXXX escrow payment of {$1000.00} has already been taken from payments even though they will refund it back after escrow closing The date of escrow closing of XX/XX/XXXX is for the purpose of their goal of extracting as much unreasonable fees and expenses as they can before giving up escrow impound which has been abused for years by never refunding any overpayments ever and this year the over payments would have been {$1500.00} therefore they are now attempting to extract as much funds from us while they can before they are forced to close that door of opportunity for exploitation Loan to property value is $ XXXX {>= $1,000,000} According to pillow and according to county tax accessors assessment is $ XXXX {$720000.00} Which is triple and double the loan value which in CA regulations state that phh should not have been forcing escrow impound to begin with meaning their demands for overpayment of monthly payments have been incorrect for years and the fact they approved in writing the removal of escrow should not allow applied payments to be credited to anything other that principle and interest first priority then any fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off 's on my credit. Now tell me are all this accounts reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and all this company 's did not provide me this information. They also, never never sent me a 1099 cancellation of debt form. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.
Product: Debt collection

Company identifying itself as Hunter Warfield notified me that my previous landlord ( XXXX XXXX XXXX ) was pursuing collection of remaining rental fees after our move-out of our apartment at XXXX XXXX XXXX XXXX XX/XX/XXXX. My husband and I contacted XXXX XXXX and received confirmation that we were paid up in full of all final rental fees related to our tenancy there, and that they had NOT initiated any debt-collection proceedings against us. 

I have continued to receive calls weekly from a " XXXX XXXX calling from Hunter Warfield '' and requesting a callback. My phone is set to screen unfamiliar callers and with each phone call I blocked the number it was coming from. But the calls have continued from a new number each time. Most recently ( XX/XX/XXXX ) I received the call from XXXX.
Product: Debt collection

I never received an itemized bill nor any written communication explaining the debt owed before a derogatory delinquency was reported on my credit.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : U S DEPT OF EDXXXX XXXX Balance : {$6200.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$6200.00} DEPTEDXXXX XXXX Balance : {$0.00}
Product: Debt collection

They had my parents number, which I have not lived with my parents in over a decade. My mom told them the first time that I didnt live there, and they called 3 more times. When I finally called today and explained what was happening, XXXX told me that didnt happen and no one called my parents house more than once. My mom took a message each time. They were very rude and dismissive.
Product: Mortgage

The draw period on my Bank of America HELOC is expiring. I can not afford the payments on the amortized portion of the loan. I contacted BOA to request a modification or extension of the term. They declined my request because I am not delinquent or in foreclosure on the debt. For the past 10 years I have never made a late payment on the HELOC, so they tell me I do not qualify for one of their programs. I believe I am being penalized and denied because I am NOT delinquent. I am trying to continue to pay this loan on time and in full. I am asking the bank to provide me with amortized fully amortized payments over a 30 year period, with a 10 year due date. I do not believe I should have to become delinquent, erode my credit and pay late charges and foreclosure fees, just to conform to one of their programs. 
The HELOC is a bank owned product. The bank does not sell this type of loan to investors, and therefore has a choice on how to help their customers. BOA never considers customers who pay their debts. The HELOC situation is becoming a huge problem that the banks will have to deal with. Other details are contained in the letters I have attached hereto.
Product: Credit card or prepaid card

on or about XX/XX/2019 I Had talk and email exchange with XXXX XXXX from XXXX. About purchasing service in future which calls FSD ( Full Self Driving ) capabilities. I was quoted by her and through also email {$2000.00} plus tax. She said either can be purchase through her or through my XXXX account which indirectly bills my Citibank master card ending XXXX. 

However, when I learned that I was being charge {$5400.00} which is {$5000.00} plus 8.25 % Texas sales tax. I called and emailed various people in XXXX with no luck. At point I kept Citibank on loop all the time when this happened. Citibank asked me to give them particular time to may be 10 days to issue a credit or I will dispute the charges with Citibank. 

After not getting any where with XXXX, I open dispute claim with Citibank for overcharging me then what was quoted. I provided all the email all email communication with XXXX including talk that email stating what should it be charged. 

My disputed was noted wrong with Citibank instead of overcharge it was noted as credit due and Citibank keep on asking me for receipt of credit slip in order to get dispute in my favor.