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

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into any disputed item and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. Furthermore, 15 U.S.C. 1681c ( a ) mandates the timely removal of outdated or erroneous accounts.

As a direct result of your negligence in maintaining accurate reporting, I have suffered financial harm, including denial of credit, auto loans, and higher interest rates, all of which are violations of my consumer rights. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, you may be held liable for willful and negligent noncompliance with the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees.

You have five ( 5 ) days from receipt of this letter to correct and remove the erroneous information from my credit report. If you fail to comply, I will have no choice but to escalate this matter through legal action to WELLSFARGO Address XXXX XXXX XXXXXXXX XXXX, OR XXXX seek full compensation for the financial and emotional damages caused by your noncompliance. 

Please provide written confirmation once the disputed item ( s ) have been removed or corrected. If you believe the information is accurate, provide documentation verifying its validity. Otherwise, failure to act will result in further legal consequences. 

This letter serves as a formal record of my request under the FCRA, and I expect immediate corrective action. I look forward to your prompt response.
Product: Bank account or service

I bought a XXXX program and linked it to my bank account. I did not download from the acct. Beginning in XX/XX/2015 I began getting OLB service fee charges of {$7.00} per month. When I called XX/XX/XXXX, BB & T said it was a XXXX issue and XXXX was charging the fee. Later I learned it was BB & T. To make a long story short I have had service fee charges nearly every month since XX/XX/2015. I have had to call each month and get a refund. In XX/XX/XXXX, I was told to change my username and password. I did and I have had charges XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. So I still have to take the time to call and be placed on hold and go through my story and request a refund. If I had not been vigilant about reviewing my account and persistent about requesting a refund, BB & T would have taken this money from me. I am certain they are doing this to others. I do not use the XXXX download service and the account is not linked. There is no basis for these charges as BB & T acknowledges but they continue to charge me.
Product: Mortgage

XX/XX/XXXX, American Portfolio Mortgage Corporation ( APM ) began servicing my mortgage account. This is the second time I have had to contact CFPB about APM 's mismanagement of my account within the past 3 months. I attempted to contact APM by phone to resolve this matter but was unsuccessful. 
XX/XX/XXXX, APM used funds in my escrow account to purchase flood insurance on my home ( See Attachment # XXXX ). At the time APM purchased this policy, I already had flood insurance, paid through XX/XX/XXXX. ( See Attachment # XXXX ) After APM purchased this unnecessary insurance for {$1100.00}, I was notified that I have a " Escrow Shortage Amount '' of {$1000.00}. APM advised me that the shortage " may result in an increase in [ my ] payment ''. ( See # XXXX ) APM 's " Escrow Account Projection For The Coming Year '' shows flood insurance in the amount of {$980.00} due in XX/XX/XXXX. ( See # XXXX ). This is further evidence that the flood insurance APM purchased XX/XX/XXXX was not warranted. 
The XX/XX/XXXX projected payments FROM my escrow account total {$3900.00} ( See # XXXX ). The XX/XX/XXXX projected payments TO my escrow account total {$4700.00}. This difference amounts to a {$790.00} surplus in my escrow account. ( See # XXXX ). 
The alleged escrow shortage projected by APM is a direct result of the flood insurance wrongfully purchased by APM XX/XX/XXXX. There is NO shortage in my escrow account, nor any basis for increasing my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the XXXX credit bureaus ( TransUnion, XXXX and XXXX ) disputing a collection account ( XXXX XXXX XXXX ). I asked for validation of this alleged debt for the past XXXX XXXX months. I got a written response from TransUnion and XXXX stating the account was verified but no supporting documentation on how their company retained the results and XXXX sent response vie email stating that their company verify that the account was accurate. I would like to see supporting documents of their finding when I received a letter dated XX/XX/2021 from XXXX XXXX XXXX that this company required the account from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to GM FINANCIAL about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit card or prepaid card

In XXXX 2023, my account statement on my Bank of America credit card was {$170.00}. I mistakenly paid off the amount of {$200.00} twice ( {$400.00} ). I claimed and they refund to me into my XXXX XXXX the amount of XXXX, leaving a credit of {$29.00}, this is ( {$200.00} minus XXXX ). Now, in the XXXX statement, I have a balance of {$140.00} which is good, but they added the same amount they refunded to me, arguing I owe them the amount of {$350.00}. Of course, this is ridiculous and I ask : does it make sense?
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless
Product: Checking or savings account

Bank of America bank did not response to me on resolve my last case on opening account or reopen account. They called me when I was at work. I called them some days multiple times when Im off or have some time to do. I need this resolve asap!
Product: Debt collection

I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Below is the contact information. 

DELIVERY FINANCIAL SER Original creditor : XXXX XXXX XXXX OF XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX XXXX XXXX  on XX/XX/XXXX Original balance {$220.00} {$220.00} Payment Info Original balance {$220.00} Balance {$220.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 an account without my written instructions
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. I sent letters to EQUIFAX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means EQUIFAX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Late payment : account : XXXX, XXXX : XX/XX/year> Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violate consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and protected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) regulation E.

These actions has caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

XXXX/Goldman Sachs is charging me {$18.00} for an Interest Charge. However, I attempted to pay my balance which was due on XX/XX/2019 of {$200.00} and mistakenly entered in {$200.00}. I'm being charged {$18.00} interest for a shortfall of {$2.00}. It seems like an exorbitant rate of interest. This is a new credit card and a new credit card company ( Goldman Sachs ) and the agents I've been speaking with do not seem to have any procedures for helping me out when I contact them. Some of the agents agree it is an erroneous charge but are unable to change it. Please help. Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I'm writing in response to your letter dated XX/XX/XXXX that I received from the Consumer Finance Protection Bureau, a copy of which is enclosed for your reference. 

In your XX/XX/XXXX letter you claimed that the photo of my New York driver 's license matches your record of a Kansas driver 's licence that you have on file. Please provide me with a copy of that drivers license as I am certain that the loans were the product of fraud. 

Last time I ask for your document to prove that the loan belongs to me, you have sent over a foreign passport of a XXXX national ( the passport does not belong to me ). Also, please confirm for whether your records indicate that this loan belongs to a Kansas resident ( US citizen ) or a XXXX national. You also claimed that you have verified the Texas address is under my name and social security number, would you mind elaborate how you did that? I never lived in Texas. 

Second, the loan you send over, per your letter, has a first application signed on XX/XX/XXXX, which was approved. But the applicant 's name is XXXX XXXX, with phone number XXXX. That is not my name and not my phone number. The second application, dated XX/XX/XXXX, was under my name XXXX XXXX, with phone number XXXX, which is not my phone number either, according to you ( if I understand correctly ) was denied. Would you please clarify, why you are attempting to hold me responsible for loan applications under two, different names, one of which is not my name. 

To be clear, I believe that your files are either mixed up or I am a victim of identity theft. In addition to the Kansas drivers license requested above, kindly send me all promissory notes and loan applications. 


Thank you very much for your time. 

XXXX XXXX
Product: Credit card

On XX/XX/2016, I checked my credit card account online after receiving an email regarding my balance almost hitting its max. When I checked online, I notice that convenience checks were cashed on my account. I contacted the credit card company to dispute the transactions. I also advised them that I do not wish to opt-in to receiving those checks as I have never used them. They advised that they would opt me out and it would take 60 days. Today I received convenience checks in the mail again more than 60 days after I requested it to be stopped. The company has not followed through with protecting me from being a victim or protecting my account from being compromised. This makes no sense that a company would allow its customers to be compromised for a second time after they requested them to stop sending checks.
Product: Credit reporting or other personal consumer reports

Here is a List dates of Inquiries I have no knowledge of : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules.

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer repor
ting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consum
er report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information. 

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions.

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Dear Discover Bank, It has come to our attention that you have been using our copyrighted material without authorization. As the owner of the copyright, we take this matter very seriously and demand that you cease and desist all unauthorized use of our copyrighted material immediately. 

We understand that errors or misunderstandings can occur, but we must insist that you rectify this situation promptly. Failure to do so may result in further legal action being taken against you. 

We are willing to discuss a resolution to this matter, but it is imperative that you contact us as soon as possible to address this issue. We value our intellectual property rights and will take all necessary steps to protect them. 

Please respond to this letter in writing within XXXX XXXX XXXX XXXX XXXX to confirm that you have ceased using our copyrighted material and to discuss a potential resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX right reserved XXXX XXXX
Product: Credit reporting or other personal consumer reports

1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX XXXX : ACCT # XXXX, 3 ) XXXX XXXX  XXXX : XXXX, 4 ) XXXX : XXXX Has violated my rights. 

15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Product: Credit card

late in the day on XX/XX/year>, I was debanked by goldman-sachs with my apple card. The account was closed on the last day of the month with no notice. My automatic transactions were now disrupted starting the first of the month ( the next day ). 

I contacted the apple card via text support line. They " could not answer any questions '', and said they could do an investigation, and that I would receive a response via us mail in approximately 10 days. This was disruptive and very inconvenient with NO notice. 

I eventually received a letter saying that my account was closed due to 'regulatory issues ' with no explanation of what that means. 

I am now receiving notifications via text and email to get my new apple card. If I click the link, I get the account closed notification. So, it's pretty irritating to be debanked with no explanation, but now getting offers continually offering me a card only to be told my account is closed. 

I was NEVER even late on a payment! I made all payments on time or ahead of time and have never had this type of issue. 

I do not wish to have another card from them as I refuse to do business with companies that treat their customers like this. I would like an explanation as to why I was treated this way and is it legal?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year>2024 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal of Duplicate Reporting of Charged-Off Account Dear Sir/Madam, I am writing to formally request the removal of a charged-off account that is being inaccurately reported twice on my credit report. This account, which has been sold to XXXX XXXX, is listed both as a charge-off by XXXX XXXX and as a collection account by XXXX XXXX. This duplicate reporting is not only inaccurate but also a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports must be accurate and not misleading. 

The details of the account are as follows : 1. **Original Creditor : ** XXXX XXXX 2. **Account Number : ** XXXX 4. **Collection Agency : ** XXXX XXXX According to the FCRA , specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate information on my credit report. Reporting the same debt twiceonce by XXXX XXXX and once by the collection agencyconstitutes inaccurate and misleading information. 

I request that XXXX XXXX immediately correct this error by removing the charged-off account from my credit report. Please provide me with written confirmation once the correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX