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

HELLO, i have recently noticed fraudulent activity on my credit reports. i have found has led me to believe i may be a victim of identity theft.. as i did not approve any information to be used in my name.i am requesting that these fraudulent items be deleted from my report at your earliest convenience. these fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as i am going through the home buying process.i have reported the theft of my identity to the Federal Trade Commissions. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Description X 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I did n't modification with my mortgage company to save my home and they told me I had to miss three months worth of payments in order to qualify so I did that I we did the contract they lowered my payments they charge me {$36000.00} to do so I think it includes you know the late fees and interest fees but then I found out two weeks ago when I went to refinance because my interest rates going up again this year it 's going to go up 1 % every year until does it backed up to where it was to start with but anyway I found out two weeks ago that they actually added 13 years onto my 30 year mortgage so I 'm going to be worse off than I was when I asked for help I thought this was a government program that was supposed to help homeowners like me that were in a bad place I lost my job had to take a lower paying job and I just could n't make the payments I kept hearing about the government having a modification programs to help people out and I do n't think they help me out I 'm going to be in worse shape
Product: Credit reporting

I believe they have someone else info on my acct but there is no way you can TALK to anyone to discuss Their phone system runs you in a 1-2 loop with no other option for discovery of fact.
Product: Credit card or prepaid card

Please see prior Citibank complaint and full documentation provided. I tried to respond and CFPB website it would provide access to do so, which was not received, then complaint was automatically closed out. 

Specifically : - company response confirmed its retaliatory act of decreasing my credit limit as a result of bank 's improper KYC practice - and bank 's improper KYC practice response revealed & documented it had failed to properly contact me at my current address on file and used one that was out of date, then refused to interface with the bank professional who Knows Their Customer, my banker - the bank failed to provide a transparent, clear response to its foreign transaction fees/exchange rates, misrepresenting what it charges - subsequent bank documentation continues to confirm retaliatory behavior by declining to restore my original credit limit and response documentation confirms one hand doesn't know what the other is doing, nor have any interest in resolving matters when one division 's improper practices or errors creates another division to take improper action. 

It's been over a year and well beyond the time this should have been resolved, especially for a client family relationship of 64 years. I would prefer to restore the relationship over turning the matter over. If it can not be resolved to mutual satisfaction in 60 days, this note serves as my formal request for the CFPB to initiate a class review and/or refer class action firms for next steps, as it is clear this has negatively impacted many throughout the US
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : Formal Complaint Regarding Inaccurate Reporting of Closed Account Under 15 USC 1681 Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX  for the continued inaccurate reporting of a closed account on my credit report. The account details are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number : ( XXXX ) XXXX Despite this account being closed, it continues to be reported on my credit profile, causing undue damage to my creditworthiness. Under 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum accuracy of the information they report. In this case, the account information being reported is neither accurate nor substantiated.

I have already contacted the credit bureaus directly to dispute this information under 15 USC 1681i, which requires a full investigation within 30 days. To date, I have not received an adequate response nor a valid justification for the continued reporting
of this closed account. As this information is both misleading and damaging, it must be removed in accordance with 15 USC 1681c, which requires the deletion of outdated or unverifiable information.

I am now filing this complaint with the CFPB because the credit bureaus have failed to fulfill their legal obligations under the FCRA. I respectfully request that the CFPB take immediate action to enforce my rights under 15 USC 1681 and facilitate the removal of this erroneous and harmful information from my credit report.

Failure to address this issue not only violates my rights under the FCRA but also may result in further legal action under 15 USC 1681n, which provides for damages in cases of willful non-compliance.

Please confirm receipt of this complaint and update me with any actions taken to resolve this matter. 

Sincerely, XXXX XXXX This letter outlines the issue and invokes your rights under the Fair Credit Reporting Act, targeting the CFPB for further enforcement of your dispute. You can submit this complaint through their official website or by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

received a BUSINESS CREDIT CARD from XXXX XXXX ( accont # XXXX ... .. ). card is used for corporate expenses only!!! experian has put this card on my CONSUMER REPORT ( THIS IS NOT ABOUT ANY DELINQUENT PAYMENTS OR ANYTHING NEGATIVE!! ) i used this card to pay off a bill with my printer and it raised my balance to over 23 % usage on my consumer report!! this has dropped my credit score almost 50 points!! 
this card does not belong on my consumer report. again, it is a business account!!! 

XXXX has already deleted this from my account. waiting to hear from XXXX!!! experian needs to do the right thing!! 

thank you
Product: Vehicle loan or lease

My vehicle convertible flew up on the expressway way. Ive had a insurance claim that will pay for the vehicle, but unfortunately I was denied with full coverage. Ally repossessed me while I had extension. The company apologize for the mistake and given my vehicle back. The dealership refused to help repair because I was in XXXX and Ive bought the vehicle in XXXX. I paid my account in full and the insurance claim was denied. Basically paying for vehicle o cant drive... broke down on the way to XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXXXX XX/XX/XXXX
Product: Vehicle loan or lease

We bought our vehicle from a car lot in XXXX Oklahoma we are Missouri residents we tagged and the registration is in Missouri. Our vehicle was repossessed XX/XX/2023. We paid a total of {$1700.00} and was set up on a payment plan to get the vehicle back a {$300.00} repossession fee was added to the account. On XX/XX/XXXX after numerous phone calls my wife calls back and they had cancelled our payment arrangement and they had taken off the {$300.00} repossession fee and the same day added that same fee back on the account. During that call my wife asked for a copy of the right to cure letter and they were supposed to mail a copy of that letter. On XX/XX/XXXX my wife calls again to credit acceptance about the right to cure letter the gentleman informed her that since we bought the vehicle in Oklahoma and that the loan contract was made in Oklahoma that they didnt have to send one for the repossession. We are wanting to know being Missouri residents dont we fall under Missouri law and that the right to cure letter should have been mailed or do we fall under Oklahoma law.
Product: Debt collection

The electronic file provided by Portfolio Recovery Associates as validation of debt for account # XXXX has a balance at the time of sale of {$2.00}, XXXX is erroneous because it includes a {$38.00} late fee overcharged. Because the balance at the time of sale is incorrect it automatically INVALIDATES the electronic file mention above. With this been said Portfolio Recovery Associates is in violation of section 809 ( b ) of the FDCPA because they had failed to provide proper validation of debt. Attach to this dispute I am providing you with 1 ) The electronic file provided by PRA as proof of validation which shows the erroneous balance at the time of sale read above 2 ) Copy of Last Statement which shows the right amount of {$2600.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is paid in full NOT a charge off. Aqua finance sent a Paid In Full letter reflecting the {$6600.00}. But has yet to update the credit reporting by removing tje charge off. Because of their inaccurate reporting my credit score dropped 57 points. 
The amount they claim is paid on my credit report of {$5100.00} is also inaccurate. My husband had our credit union mail them a check for the total amount to have it paid in full at {$6600.00}. There is a clear discrepancy of {$1500.00}. I was a co-signer on my spouses account. This fraudulent reporting is damaging my credit which I work hard on keeping it in great standing. This shows by my personal history.
Product: Debt collection

be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. under the fair debt collection practices act ( FDCPA ), i have rights to request validation of the debt you say i owe you. i am reguesting proof that i am indeed the party you are, asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. this is not a request for " verification '' or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g sec. 809 ( b ) of the FDCPA i respectfully request that your offices provide me with competent evidence that i have any legal obligation to pay you. at this time i will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus, this action might constitute fraud under federal and state laws due to this fact, if any negative marks is found or continues to report on any of my credit reports by your company or the company you represent, i will not hesitate in bringing legal action against you and your client for the following ; violation of the fair debt collection practices Act and defamation of character. i am sure your legal staff will agree that non - compliance with this request could put your company in serious legal trouble
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that CREDIT ADJUSTMENTS XXXX # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from MEDICAL - CONSULTANT but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL CONSULTANTS to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more thatis to only be revealed with the patients authorization, therefore my request is XXXX fold and as follows, Validation of Debt, and XXXX authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX XXXX XXXX XXXX  I received a call from a woman who said she was from TD FRAUD SERVICES. She told me about a client who was scammed in Ohio of about XXXX and to fix this we would have to go into my CASH account. She went right into my CASH CARD and she began deducting money from this account. She went on for 45 mins and I said I was tired. She phoned me the NEXT MORNING at XXXX XXXX. She kept me on the phone for 15 minutes. Doing the same thing. I also got scammed for the entire amount of {$23000.00}. She called me at XXXX and I said I was going to the bank and that was it. 

I went to the bank and XXXX told me that there was NO WOMAN WHO WOULD CALL ME FROM THE FRAUD DEPT. There was no such person nor would they call me.
Product: Debt collection

Warrants were taken XX/XX/2022 without ever contacting me concerning debt that was purchased by their client who also violated proper notification. I never received or new anything about this attorney. I'm now being told that a 3rd party purchased debt for a low cost and now suing me for large amount plus interest Scott & associates law firm failed to properly notify me on what they were doing or debt. I received no written notices, just 5 written warrant in debt letters. I immediately contacted them but it was too late. Even now I'm being served by the sheriff after requesting to go through the dispute process. I spoke to someone who said they sent 1 letter. In which I don't believe, because his story changed after I hammered them for violating the law. They are simply taking advantage of people in horrible times. 

Additionally XXXX XXXX XXXX  sent me ONE debt notification only! in which I properly disputed in writing. They ignored my written dispute, gave it to an attorney. The attorney immediately obtained a warrant in debt that I had no idea they they had and sent me a dispute letter 2 days later from XXXX XXXX. What??? This is horrible... the two companies are working together to hurt people bad. This needs to stop. They are running around purchasing debt for pennies and suing for large amounts as of consumers brought from them.
Product: Vehicle loan or lease

" In XX/XX/XXXX, I had an auto loan financed by ( ACA ) American Credit Acceptance. The interest rate was 26.8 %, with payments of {$490.00} for 72 months. A simple interest loan program.On XX/XX/XXXX, I requested and was approved for a deferment from XX/XX/XXXX to XX/XX/XXXX, the amount deferred {$980.00}, for reason of medical issues. In the approval letter, company wrote, for the avoidance of doubt, nothing in this agreement changes the remaining terms of the contract. My maturity date for the payoff of my loan is XX/XX/XXXX, yet ACA is claiming that I will owe and additional {$3200.00} in fees and interests under their simple interest calculations, but no one at ACA will provide how the interest is calculated. My payment history from this point on to the end of the loan has been perfect and will be when I satisfy the loan requirement on XX/XX/XXXX. When asked if they can provide me with how this number was calculated, nobody has a sensible answer. In fact, on XX/XX/XXXX, I spoke with a supervisor at ACA, name XXXX, approximately XXXX XXXX referencing this request and she could not give me a definitive answer. Her only answer is if I go to a simple interest calculator I can compute it myself. When previously contacting ACA, the representatives are verbally abusive, extremely condescending resulting me asking to speak with a supervisor. Oftentimes, I am routed to a rep outside the country/States, and many attempts at communicating my concerns are futile. What can I do to resolve this issue? Is there a legal precedence for this situation? I am currently making the remaining payments on time, and the last payment is set for XX/XX/XXXX '' with the remaining balance of {$3200.00} due at that point before my title will be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a total of 12 perkins student loans on my credit report, 6 of the student loans being reported as DEPT OF ED/XXXX with a partial account number of XXXX were transferred and closed, and the other 6 that are being reported as DEPT OF ED/XXXX/XXXX are the same as the first 6 student loans, they were just renamed and paid in full. These student loans are Perkins student loans and they have a XXXX balance, in the year 1965 a law called The Higher Education Act was put in to action to help low income students. This federal law called the higher education act, allows me as a borrower of money from the department of education to get all of these student loans deleted from my credit report once they were paid in full. These are not private loans, these are federal loans, and since these loans are Perkins student loans, by this federal law, all of these must be deleted from my credit report. I want all of 3 of the major credit bureaus, ( XXXX ), XXXX  ), ( TRANSUNION ), to delete all of these 12 student loans and obey the Higher Education Act Law.
Product: Mortgage

I have attached the narrative and references detailing this complaint along with many copies of our letters and responses from Webster Bank. I have more information - like proof of delivery - that I can provide upon request. 

Webster Bank, over the past 9 years, has refused to provide a chain of title regarding our mortgage, as well as refusing to supply us with accurate contact information for the owner. These are the subject of this complaint. 
Please note that in XXXX of 2014 - a letter from attorneys accompanying the service members relief and the notice itself do not mention the owner of the mortgage at all. 

Throughout the correspondence between us and the bank there are clearly other issues at play, including dual tracking, which was the subject of a previous complaint, and pyramid fees, refusal to provide cogent information about our payment records, abusive including calling us names, leaving strange hand-written notes on our door, and harassment that have caused distress and health issues. 

This bank clearly does n't understand the applicable laws in certain areas including the chain of title, subject of this complaint. 

If I have omitted any of the referenced correspondence please let me know and I will send it.
Product: Credit reporting or other personal consumer reports

This information is absurd, it does not belong to me, I want all of this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX