23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Homeowner had   XXXX   home security system dates XX/XX/XXXX  for {$2200.00}. Homeowner sold home In   XX/XX/XXXX   and cancelled system. Homeowner asked  XXXX  that new homeowner would like to keep the system and  XXXX  agreed to keep the system in the home and transfer the service to new homeowner.  XXXX  mislead the homeowner that  XXXX  failed to provided required services to new homeowner and is requesting full payment of contract for services not provided and not functioning after home was sold and contract closed by homeowner.   XXXX   is claiming debt owned but no services have been provided to warrant amount owed.
Further,   XXXX   debt collection agency did not provide valid claim to debt within proper notice. Additionally, homeowner provided written notice to debt collection agency to cease communication and debt collection agency continues to communicate with homeowner.
Product: Debt collection

On XXXX/XXXX/16 XXXX cancelled my insurance policy without notifying me in any manner. In a letter dated XXXX/XXXX/16 I received a partial refund check of {$490.00}. I received this check in the mail on XXXX/XXXX/16. Therefore this was my first and only notice that the policy had been cancelled. My policy premium that I paid was {$2400.00}. I immediately advised the XXXX agent XXXX XXXX that I had n't received the remaining {$1900.00}. XXXX refused to pay this amount. They held this money and would not release it until I was " forced '' by the agent to sign a form. 

They continued to hold my premium money for a month and a half. On XXXX/XXXX/16 I finally received only a portion of my premium. The amount was {$1800.00}. I am " still '' owed {$140.00} of that premium. I do not owe them any money. They in fact owe me the remaining {$140.00}! 

I have now received a debt collection threat totalling {$49.00} from CREDIT COLLECTION SERVICES in XXXX MA. 

Based on XXXX 's cancellation I do not owe XXXX any money, they in fact still owe me the remaining {$140.00}. 

I am being harassed for this money that I do not owe and am being threatened with this going on my credit report and affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem I'm complaining is that I didn't receive sufficient information for my card cancellation information. 

I'm undergoing a house purchasing process through underwriting, so I need a confirmation letter from Citi bank stating clearly my account number, and the date ( XX/XX/2020 ) that I have been successfully canceled my card. My underwriting process is depending on this official confirmation letter because the closing date is closed, and my current living apartment lease is about to end. The confirmation email my primary received only have name on it without any other full information. And I didn't receive the information at all. 
So I requested Citi bank to offer me the official confirmation document by faxing my lender the official confirmation letter. I called Citi bank for three days even by talking to the customer service superviser. They said they refused to give me other choice other than waiting for 7-10 business days ( 2 weeks+ ) for a mail that send to my primary instead of me by physical mail. This would not only ruin my house purchasing process, but also never give authorized card user the right to receive the document. Honestly the card has been canceled, there shouldn't be any security reason that they can't fax the lender to give customer other option to make any negative impact. They are so passive to help the customer and doesn't care customer at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were disputed with TransUnion and XXXX but they have not been removed. These accounts are 100 % fraudulent. 

Account Name XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$740.00} past due as of XX/XX/XXXX. 
Status UpdatedMar XXXX Balance {$740.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$740.00} Highest Balance {$0.00} Terms1 Months On Record UntilAug XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1000.00} written off. {$960.00} past due as of XX/XX/XXXX. 
Status UpdatedJun XXXX Balance {$960.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$800.00} Highest Balance {$1000.00} TermsNA On Record UntilJul XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Balance {$1200.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX Highest Balance {$1400.00} TermsNA On Record UntilAug XXXX Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusTransferred, closed. {$0.00} written off. 
Status UpdatedJan XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$2500.00} Highest Balance {$0.00} XXXX Months
Product: Credit card or prepaid card

I cant transfer points to my husbands account. According to the terms, we have to live in the same household and have the same rewards program. We meet both requirements. Our accounts are in good standing. 

My husband has a chase sapphire reserve and I have a chase freedom.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXccount Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with XXXXXXXX XXXX. I have told them and there collection agency this as well I have asked them to show me where I agreed to them issuing me an account at my request and have shown them that they never had title to my debt. 
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. 

XXXXXXXX XXXX account 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  XXXX Account name : XXXX {$1300.00}, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

They have my account locked they said they was going to close the account but they wont do anything they are just holding my money there are two accounts one has XXXX the other has XXXX in it I just want my money with or without the account being closed they been holding my money since XXXX XXXX
Product: Vehicle loan or lease

I am filing this complaint regarding the repossession of my vehicle by Bridgecrest, which was conducted without providing me with the legally required prior written notice. This lack of notice is a violation of my rights under federal and state laws. 

Key Issues : Failure to Provide Required Written Notice : I did not receive any written notice of default or intent to repossess the vehicle, as required under XXXX Article XXXX, Section XXXX. This section mandates that creditors provide borrowers with reasonable prior notification before repossession. 
Alabama law also requires creditors to issue proper notice to borrowers, ensuring they have an opportunity to cure any default before repossession occurs. 
Deprivation of Opportunity to Cure Default : Because I was not notified, I was unable to address or resolve any alleged default before my vehicle was repossessed. Bridgecrest did not provide any specific information about the amount due or a timeframe to prevent the repossession. 
Lack of Transparency and Communication : Following the repossession, I repeatedly requested account statements, payment history, and documentation related to the repossession. Bridgecrest has failed to provide any of the requested information, leaving me without clarity on the reasons or basis for their actions. 

Harm Caused : The repossession caused me significant financial and personal harm, including : The loss of my primary means of transportation. 
Additional financial burdens from repossession-related fees. 
Damage to my credit profile due to the repossession being reported to credit bureaus. 
Without proper notice, I was unable to take steps to prevent this outcome, further compounding the financial and emotional toll. 
I have since attempted and failed at refinancing the vehicle, purchasing a new vehicle or obtaining any credit for an auto loan in any capacity Requested Resolution : Provide a detailed explanation of the repossession process, including why I was not given prior written notice as required by law. 
Reimburse me for all repossession-related expenses and financial harm caused by this action. 
Correct any negative credit reporting associated with the repossession. 
Provide my complete account documentation, including payment history, notices, and details of the alleged default. 

Legal References : UCC Article 9, Section 9-611 : Requires creditors to provide borrowers with prior written notice of default and intent to repossess.

Alabama State Law : Imposes requirements for proper notice and fair repossession practices. 

Bridgecrests failure to follow these legal requirements has directly harmed me and violated my rights as a borrower. I request the CFPBs assistance in addressing this matter promptly and ensuring that Bridgecrest complies with all applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX Balance {$0.00} MEDICAL XXXX Balance {$140.00} XXXX XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX {$940.00}
Product: Credit reporting or other personal consumer reports

There are some items reporting on my credit which I do not recognize and I suspect identity theft, the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need these items disputed and removed.
Product: Mortgage

XX/XX/year> Spoke to XXXX ID # XXXX Escalation Dept XXXX transferred to XXXX ID # XXXX Customer Resolution she stated the account is handled in a different dept. Transferred to Robe # XXXX Customer Resolution XXXX stated the final contract was received but the date didn't match the notary seal date & date contract is signed. The modification team didn't want to allow any more time to have the documents resigned. Requested a United States Representative spoke to XXXX ID # XXXX Customer Resolution advised they will allow documents to be signed again by the customer and the notary. Documents are to be emailed today before the end of the day. Documents were signed and emailed again today. Spoke with Customer Service XX/XX/year>, XXXXXXXX XXXX  to advise resigned final modification documents were signed by homeowners, notary signed stamped documents, documents were emailed. Original documents were sent XXXX XX/XX/year>, emailed tracking receipt. Customer Service inform me PHH closed final modification, and they would not offer another modification. Original documents were sent XXXX XX/XX/year>, emailed tracking receipt.
Product: Credit reporting or other personal consumer reports

I have tried to get credit report from Experian for XXXX weeks. it asks for my last XXXX digits of social security number and phone number to validate. I enter these, but never receive the code by text message. I have call them 7 times to fix the problem with no results. I do have a valid sign in with them but can not login.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request, to provide me with the documents that their company has on file, that was used to verify the Late Payment I disputed. Being that they have gone past the 30 day mark and can not verify this Late Payment, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " Please resolve this matter as soon as possible, Thank you.
Product: Debt collection

IN RESPONSE TO CFPB:XXXX XXXX XXXX XXXX Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.
Product: Student loan

the company at the time said that I need to sing a agreement saying that after one year I have to agree to let them take monthly payments out of my check. I don t make enough money to do this my credit report said that this lone as been closed by the department of education and got sold 3 times but later I fond out that I have a XXXX XXXX and XXXX XXXX and XXXX by XXXX XXXX  the XXXX was deferred. thx XXXX XXXX call or email me any time
Product: Credit reporting, credit repair services, or other personal consumer reports

M & T Bank reported 30+ days late for my XX/XX/2021 RV Payment. I mailed the payment in XXXX and they did not credit the payment until XXXX. I have a copy of the check. The post mark on the envelope should evidence when I mailed it. I filed a dispute with XXXX. Rather than correct the problem, M & T bank also marked XX/XX/2021 as 30+ late. In reality I am paid through XXXX at this point due to receiving a paying multiple late notices from M & T bank that were inaccurate. I filled a new dispute and the XX/XX/2021 late payment has been removed but M & T bank is refusing to remove the late XXXX payment which is also inaccurate as I mailed it in XXXX. Please help!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have been dealing with a long back and forth with all three credit bureaus over a large amount of fraud and inaccurate information across my entire report. On XX/XX/2024 ( and a few times before ) I have sent disputes to XXXX XXXX XXXX XXXX what appears to be an auto loan that is reported on my Transunion Report. I have submitted documents and attempted to contact the creditors. They all have failed to comply even after the thirty days after XX/XX/2024. They have not responded to the latest dispute as of XX/XX/2024 XXXX. I am please requesting that this matter be resolved for my sake. Thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX placed inquiries that do not belong to me on my consumer profile. 
please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to you today to request the complete removal of the unauthorized inquiries from my Credit Report. I previously sent a letter addressed to the Credit Bureaus on XX/XX/XXXX. I appreciate the removal of some of the disputed inquiries from my Credit File but I see here that there are still unauthorized inquiries reported on my Credit File. Once again, I am a victim of identity theft and the disputed inquiries were the result of such crime. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the remaining unauthorized inquiries completely from my Credit Report : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX