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

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX  XXXX ), you XXXX be liable for your willful non-compliance.
Product: Student loan

I am requesting { again } all activity regarding my loan from its inception in XXXX through today. 

I have received some information from this company, but not everything I requested. Also, the dates on the spreadsheet are completely out of sequence ie XXXX, XXXX, XXXX all mixed together. 

Please send everything IN CHRONOLOGICAL ORDER so I can unravel it. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly, I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Product: Mortgage

After my loan was refinanced and assigned to Specialized loan Servicing in XX/XX/2001, it came to my attention in XX/XX/2001 that a tax payment wasnt received to my town. 

After 2 years, many calls which left the matter unresolved, I had to pay XXXX XXXX XXXX the taxes and lawyer fees because the town hired them to get the money. 

I have backup documentation. I have the dates a times and who I spoke with at Specialized Loan Servicing. I am usually hung up in when I call, or am told all systems are down and I will receive a call back. 

I want to get my account reconciled, and my money returned to me
Product: Credit card

This is a new credit card issued by Comenity Private Bank at XXXX XXXX XXXX XXXX. The check was mailed on Monday XXXX XXXX. Bank states they rceived payment in full on Monday XX/XX/2024 in the amount of {$49.00}. Since the due date was XX/XX/2024, a late fee of {$30.00} was charged to my account with a due dated XX/XX/2024. 

I believe I should not be billed this much and that the fee should be reversed due to such a long delivery by the US Postal Service. 

Thanks for your help, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

I got a text notification on my phone on XX/XX/, that I made a purchase {$650.00} at a store called XXXX XXXX with my chase credit card. I was working in office at that time, so I called Chase customer service immediately to report the fraud transaction. I tell them everything, and also mention that my card is not lost, they refund the transaction to me and send me a new card. Then XX/XX/, I got another call from chase, because I have the possession of the card, they decide to deduction that money from my card again. I am not satisfied about the result, so I call not accept that, they reopen the case for investigation. Today I receive a notification on my app, and they decide to deduct that money from my account because I get the benefit from that transaction.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit, debit card, and through an intermediary named XXXX in the total amount of XXXX USD utilizing Wells Fargo services.
Product: Debt collection

I tried to get all credit bureau to get this collection agencies to verify that I owe the debt multiple times, by having this collection agencies mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from this agencies showing proof NOT a bill or last statement as previous.

This collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is their authorization of law for their collection of information?

What is their authorization of law for of their collection of this alleged debt?

Please evidence their authorization to do business or operate in the state of New York.

Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Until these validation is proven and complete the to my and law satisfaction, I will be continue to seek proof of such debts from collection agencies.
Product: Debt collection

XX/XX/year> Columbia Debt Recovery LLC reported a false debt to me for {$63000.00} this is false, the judgment was for {$10000.00} that was taken care of, and part of the judgment my was removed. i have court documents in regard.
Product: Credit reporting or other personal consumer reports

I recently received a credit report after being hospitalized with XXXX and to find out all these fraudulent accounts have been added to my credit profile please remove of my credit report
Product: Debt collection

Recently, I received a letter demanding an unknown amount of {$3600.00} be paid on an old account that was vacated as paid in 2013 for the same account. This letter provides false information as a threat to issue a judgement.

Under law a matter can not receive a double judgement for the same account. This would create multiple judgments for the same account known as Res Judicata. My consumer rights have been falsified with improper information and unnecessary threats to harm my credit. I request a complete investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called by Finance company to ask for an extension on my vehicle payment they had stated that they had summited my request then I get an email from XXXX XXXX  that my score when down based on a report form my finance company Ally I then called Ally and asked what happen they said it was a mistake in there end but unfortuanlly the report already had gone out and there was nothing that they can do but grant me another extension I need this late payment to be removed from my credit report since it was not be fault I only have 3 payments left on my vehicle I was not expecting this to happen when i only have 3 payments left I had requested this because I had a family member passing away and was not sure if I would have been able to cover funeral services and my vehicle payment and now am stuck with a bad note on my credit report I would like to start in investigation please or something but I would like this removed from my credit report.
Product: Mortgage

I closed /recorded on XX/XX/XXXX with Fairway Independent Mortgage Company . Once my documents were reviewed by XXXX XXXX XXXX XX/XX/XXXX the staff there reached out to the Builders of my home realtor and stated the fees were quite high compared to other loans. I submitted via email inquiring why these fees existed or were so high. The loan officer XXXX XXXX emailed me back stating she would prefer to verbally have this convo with me, which I am not comfortable having that conversation verbally. When I spoke to the loan officer earlier during the closing process and we spoke about income drop due to COVID, no additional fees were discussed or stated would be higher, and these fees appear to excessively high. I did not speak to her verbally, and no answer as to why fees were so high. 
In addition to this I paid off my debt obligations and checks were issued to those creditors which are useless and I requested to be refunded or re issue to myself, there were several emails between Fairway Mortgage and myself.The last email XX/XX/XXXX stating they are working on it ( underwriter ) and praying this can be worked out by the end of the week. 
The high fees are unsettling and I would at least like to be refunded the money I paid the creditor which the agency seems to be dragging the process out without no resolution.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the XXXX XXXX XXXX XXXX XXXX, 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with XXXX XXXX XXXXXXXX XXXX with experian the account came back as verified and I havent received any information or details of the investigation they conducted who they spoke with and what exactly was verified nor was I interviewed at any point during this investigation .how was a proper investigation completed I have a right to privacy if my personal information and this reporting is a violation of that right.
Product: Debt collection

I do not owe this debt. It is the result of identity theft. Ive tried reaching out to the debt collector, XXXX and CFPB. This debt does not belong to me yet noones taking action to remove it from my credit report. XXXX   XXXX XXXX XXXX XXXX must be investigated for fraudulent practices. Ive been dealing with their attacks on me and my credit report since 2017. I have been consistently targeted by the XXXX staff. Take a look at the documents attached. This fraudulent debt collection agency doesnt provide an account number. This is done to gain access to consumers social security numbers. This company must be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and emailed this company and they cant find an account for me. This is not my account I didnt open it. They also keep increasing my balance XXXX dollar and my score drop 40 points each time. 
This is the email I received from the company verification that it is not under my name.
Product: Credit card or prepaid card

My account was restricted for no apparent reason. When I called Capital One, they said someone would contact me within 7-10 days. I have no idea why the account is restricted or what happened to cause the restriction. When I called in, they all gave me the general run around to wait 7-10 days. I find this extremely abnormal as I am able to call any other credit card company to clear this within hours. There was absolutely no communication from Capital One before they locked my account and there has still been no communication from there.
Product: Vehicle loan or lease

Urgent Complaint Against Ally Financials for Gross Negligence and Deception Dear CFPB, I am writing to express my severe distress and frustration with Ally Financials regarding their gross negligence and deceptive practices in providing a lien release letter for my car. Despite my repeated requests over the past XXXX weeks, Ally Financials has failed to fulfill their obligations. Below is a detailed account of the events : On XX/XX/year>, I made an initial request for a lien release letter with a wet ink signature from Ally Financials after fully paying off my car loan. They claimed to have mailed the letter but provided no tracking number. After XXXX entire weeks, the letter was not received and was apparently lost. 

In mid-XXXX  XXXX, I called Ally Financials multiple times, urging them to mail a new letter with a tracking mail option. I even provided my own XXXX  account to expedite the mailing. Despite my efforts, Ally Financials refused and asked me to wait another week. When the time passed, they continued to delay the mailing due to administrative reasons. 

On XX/XX/XXXX, I called and Ally Financials ' representative claimed the letter was shipped, but XXXX days later on XX/XX/XXXX, another representative said it was still pending business approval and letter is still not shipped. Most absurdly, his internal records showed that the digital version draft of my lien release was just created on XX/XX/XXXX, weeks after my initial request. It showed that all previous communication and status updates to me were all false and made-up. 

To this date, I still haven't received the letter nor got any confirmation from Ally Financials when or whether they can send this out. 

The lying, deception, untimeliness, and negligence exhibited by Ally Financials have caused me significant financial loss. I intended to trade in my vehicle for a new one, utilizing a time-limited promotion from a car dealer in XXXX. Due to their consistent delays, my trade-in deal was canceled, and I will be penalized with financial fine. More importantly, the expected trade-in cash refund in the amount of $ XXXX was intended to pay off a property tax due on XX/XX/year>. Without that cash refund, I am now facing serious financial penalties and at the risk of potentially endangering my home ownership. 

This situation has caused me immense mental stress, damaged my credit score, and severely affected my capability to purchase or loan a new car. The actions of Ally Financials are unacceptable and have had a devastating impact on my financial stability and well-being. 

I urgently request the CFPB to investigate this matter and take immediate action against Ally Financials for their gross misconduct. I am seeking compensation for the financial losses and mental distress caused by their actions. 

Thank you for your prompt attention to this critical matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX - XXXXXXXX XXXX XXXX  XXXXXXXX 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

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I filed a CFPB complaint on XXXX and experian stating that they keep saying they have verified my chapter XXXX XXXX as correct because they verified with the court. THIS IS FALSE. I counted the county clerk for XXXX and they stated that the court does not confirm or verify XXXX information with any credit reporting agencies. I l have asked them to provide me the source of their verification and they continue to state that they verified with the court but provide no documentation or proof. They just say it's correct. CFPB for involved just last week and already XXXX and Experian have both electronically sent a message stating that the report is correct. Again with no proof or verification process. They could not have verified with the XXXX XXXX because THE COURTS don't verify. What is going on here? What was the purpose of my CFPB report if the credit agencies spent exactly 5 days to respond with a generic fake response saying the information is correct??
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute 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 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 XXXXXX/XX/XXXX