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

To Whom it May Concern, This letter is in response to your recent claim on regarding XXXX XXXX XXXX which you claim has been late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has not been updated as needed. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

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 of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company.

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not secure my sensitive information correctly. 

They have now put me at high risk for identity theft.
Product: Mortgage

I applied for a mortgage with USAA and was approved twice. As needed I paid for Inspections, Appraisals, and waited for the closing. Days for the closing I could not reach anyone for the closing documents. After calling a manager I was told I did not qualify for the loan. After months of looking for a home and money send that was that. As a XXXX veteran, I feel mistreated by USAA and its management.
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine & Weiner Company a collection agency has contacted me via mail and I 've never given them my address. They are reporting fraudulently on my credit report for XXXX, it was removed from XXXX. I was in chapter XXXX the summer of 2013 and did n't discharge until XXXX. The original creditor was XXXX XXXX XXXX XXXX which I rented as part of my Car insurance and they are saying I owe them. Which I do n't because anything associated with this car accident was included in my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been 60 days with no response rom the bureau regarding my complaint which is just complete disregard for the laws that govern them. I hope with you help this will not be able to continue
Product: Checking or savings account

I submitted a dispute about the balance along with documents to another company. I asked for proof of the amount owed. I was asked to call a toll free number. The PDF named PNC Bill Pay shows a cancel option then the message appeared. This made no sense. I am wondering if it is like entrapment or whatever. I had a case in XXXX XXXX in XXXX that the bank did n't cover a rent check. I called PNC and told them the check should have never been sent out. The message showed up after talking with a employee and him saying something like try the payment for the date shown in the PDF.
Product: Credit card or prepaid card

Hello, I opened my secured credit card account in XXXX of 2022. Ive had returned payments on my credit due to not being able to edit my payment nor having access to capital one atms. My returned payments occurred usually to the fault of choosing the wrong account to pay from. I notified Capital One of this mistake several times hoping they would have a solution such as troubleshooting how to delete external accounts on the app, a stop payment, or editing the payment. No solution that fit was ever offered for this issue. I also was never notified of further adverse action to due return payments. I had the option of transferring funds to the account used but because the timeframe is the same as returning funds, that solution wasnt beneficial. My issue is I was never notified of violating of the terms of the company, nor forewarned that my account would be closing if I make the grave mistake again. My credit report reflects that I pay on time and do not miss payments. Ive taken great efforts raise my credit score and I would not like to see if be affected by being not notified or reminded of conditions and terms of this company. I have no issue with following rules when I am aware of them.
Product: Mortgage

Called phh mortgage on XXXX XXXX, 2016 and they confirmed they had received our checking acct info via fax and would apply it to next months mortgage payment. This was not done and now they are trying to charge late fee. Multiple phone calls have not resolved this issue. I do not want to keep paying for my loan over the phone and incurring a {$17.00} servicing fee imposed by Phh. I believe phh purposely does n't apply automatic debit processing so they can charge their customers additional servicing fees.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in resolving a pressing issue concerning my credit report. My name is XXXX XXXX, and I recently discovered several fraudulent accounts listed on my Transunion credit report. The accounts are listed below. 

These fraudulent accounts are negatively impacting my credit score and financial well-being. I have taken immediate steps to report the identity theft to the Federal Trade Commission ( FTC ) and have filed an identity theft report with the FTC. I have also contacted Transunion to dispute these fraudulent accounts directly. However, despite my efforts, Transunion has not removed these accounts from my credit report, even after verifying that they are indeed fraudulent. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter. I believe that the presence of these fraudulent accounts on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which pertains to the blocking of information resulting from identity theft. 

I respectfully request that the Consumer Financial Protection Bureau investigate this issue and work with Transunion to promptly remove these fraudulent accounts from my credit report. The continued presence of these accounts is causing significant harm to my financial standing and reputation. 

I greatly appreciate your attention to this issue and your assistance in resolving it as swiftly as possible. Thank you for your dedication to protecting consumers ' rights and financial well-being. 

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

Flagstar Bank is engaging in unlawful practices in violation of the Fair Debt Collection XXXX by employing a third-party local vendor, XXXX to XXXX affix a collection notice to call them to the front door my residence on XX/XX/2023 at or about XXXX. It should be noted that these are NOT registered process servers and this IS NOT legal process being served, simply a harassing collection notice being affixed to the front door of my residence by a collection agent. Upon making my last payment on or about XX/XX/XXXX and scheduling a payment for the remaining past due amount for XX/XX/XXXX, I advised the XXXX representative with whom I spoke that this practice is completely unacceptable, likely a violation of Federal Debt Collection Law, and that any individual unlawfully entering or remaining on my property without my knowledge or consent would face arrest for criminal trespass pursuant to state law. This occurred again on XX/XX/XXXX at or about XXXX, and again on XXXX XX/XX/2023 at or about XXXX on which occasion I personally confronted the individual and issued him a trespass warning that if he returned he would be arrested.
Product: Money transfer, virtual currency, or money service

I received a text from Cash App., that the routing number and account number had been XXXX ( direct deposit ). I do not have a direct deposit with Cash App.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. 
XXXX XXXX XXXX, XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated My Rights. 
15 u.s.c. 1681 section 602A states I have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 : it also states that a consumer reporting agency can not furrnish a account without my written instruction.

15 U.S.C. 1681c. ( A ) ( 5 ) section 5 no consumer reporting agency may not make any consumer report containing any of the follwing items of information.any other adverse item of information other then records of convictions of crimes which adtedates the report by more then 7 years. 
15 u.s.c. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer related agency if the person knows or has reasonable cause to believe that the information is incorrect.
Product: Credit card or prepaid card

This is a follow up to XXXX # XXXX. On XX/XX/2020 the company CLAIMED to have tried to contact me by phone AND email but had been unsuccessful. This was false. I received an email AFTER this response was received by the CFPB and it was an email only. I've since tried to return the call and left messages to the number provided XXXX XXXX XXXX XXXX XXXX times with no response. I also replied to the email but the company continues to ignore me and my messages. They still are in possession of a prepaid debit card containing my widow 's benefits for over {$470.00}. I have been told no less than five times the card is being mailed but it never comes. Please don't let them claim they have resolved this as they have not and my card is still outstanding. Thank you for your assistance.
Product: Credit card or prepaid card

Fraudulent charge ( $ XXXX ) against my XXXX XXXX made from Phillipines XXXX by XXXX XXXX. by use of a XXXX. Auth./Ref. # XXXX. Filed a claim against my credit company.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 Populus Financial Group , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Checking Promotional Offer Account XXXX Demand Letter To Whom it May Concern : On XX/XX/2021, I applied online for a Porte checking account ( the Account ) offered by Populus Financial Group , Inc. ( Populus ) in response to a promotional offer ( the Offer ) : SET UP DIRECT DEPOSIT TO EARN {$100.00} ( Exhibit A ). I was approved for the Account and I subsequently set up a direct deposit in fulfillment of the terms. 
When the bonus did not post, I reached out via email and was told that the Offer required Card Activation ( Exhibit B ), a condition that was clearly not present in the original terms. 
Therefore, I respectfully demand that Populus pay the bonus of {$100.00}. 
Otherwise, this matter will proceed to arbitration with all costs and fees taxed to Populus. 
Sincerely, XXXX XXXX enc.
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 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 following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Update to paid as aggree 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my annual credit reports from the XXXX reporting agencies, XXXX, XXXX, and XXXX XXXX. I noticed numerous inquiries from companies I did not request credit from. I phoned the companies, of which the biggest offender is Capital One. I had XXXX inquiries on the XXXX report, and several on the other XXXX agencies. I spoke with a representative at XXXX then his supervisor, explaining I wanted them to remove me from their lists permanently. They asked me for my social security # & other personal information. I also phoned & I then wrote to Capital One as well, opting out in writing. I explalined I did not want them to review my credit unless I desired to borrow money from them or use one of their products. I have a bank issued credit card and DO NOT wish to do business with these people. I also phoned your agency and spoke with a representative to discuss the matter. She suggested I file a complaint not only against Capital One, but against XXXX and the other agencies, as well, since they are allowing the inquiries. I am frustrated and dismayed that consumers have NO protection against these predators. Absolutely NO ONE should have access to my credit unless I initiate a relationship with them for the purpose of borrowing money. I do not want to see any more inquiries on my credit reports unless I have given written permission to a party to do so. Someone MUST STOP these companies and protect consumers. This practice should be illegal. It is appaling.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred. Despot having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charging and credit. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citibank NA, Macys XXXX, and XXXX XXXX XXXXXXXX XXXX. The Account Opened is Citibank NA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}. The Account Opened is Macys XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

1.I have never had an account with these company Professional Debt Mediation Account number # XXXX, REMOVE from all credit agencies from reporting. 2. *consumer* means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.1 am the " '' consumer " '' mentioned in 15 U.S. code 1692a ( 3 ) You are Professional Debt Mediation the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.1 am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of, which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to to communicate to any person credit information which Is known, or which should be known to be false, including the failure to communicate that a disputed debt Is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocents purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.Whlle pursuing to 16929 ( b ) while the debt collector shall cease collection to the debt. or any I disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who falls to comply with any provision of this subchapter with respect to any person Is liable to Such person In an amount equal to the sum of.- { 1 ) ( 2 ) ( A ) ( B ) ( 3 )
Product: Vehicle loan or lease

5 weeks ago I refinanced my Jeep from TD auto to my local credit union TD received and signed for the check via XXXX XX/XX/XXXX. TD lost the check and advised I stop and reissue check payoff for XXXX. My local credit union doesnt stop checks for 90 days after issue. However they stated they would make an exception if TD signed an indemnification letter stating they lost the original check. That letter was faxed last XXXX and I was told today XX/XX/XXXX they would not sign the letter. So I have 2 open loans that I have to pay on so my credit doesnt get affected equaling almost XXXX which i can not afford 2 loan payments! I have 2 car loans on my credit report for the same car. Countless phone calls to TD auto and they are doing nothing to help me. Spoke to XXXX the manager today XX/XX/XXXX advising that something needs to be done to help me. He stated he will get me an answer and call me back in 2-3 business days. I literally have no where to go for help. My credit union who I refinanced with will not stop the lost check for another 2 months if TD auto finance does not sign that letter. I am filing a complaint on TD auto finance for not helping me as they are the ones who lost my check. No one is helping me at all. I will never finance through TD auto again
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit hard inquiries listed on my Equifax, XXXX and XXXX XXXX credit report are fraudulent, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, XXXX threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXX XXXX credit card accounts. XXXX XXXX XXXX is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXX XXXX   credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.