23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My husband and I went bankrupt. The house was forclosed on, with a balance due us in the amount of approx {$67000.00}. They, unknown to us, were corresponding to a vacant house and mailed our check there. They they had our current phone and address. why woudl they mail it there and they had our lawyers name! WE have tried to track down the money. Chase opened a strange account in my name, depositing my money. Then are telling me its Purged??? Every person I contact, has a new story, no one can find the deposit. I attached the account number they opened the account in my name with and all limited documentation as my house burned down. I pulled the court record off the internet. Please help us. We are XXXX and XXXX. 
Kind regards, XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX XXXX daughter XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX tx XXXX
Product: Credit reporting or other personal consumer reports

Complaint Summary : This complaint concerns XXXX  previous inaccurate and misleading reporting of my auto loan ( # XXXX ), which, while now removed, caused substantial financial harm and emotional distress. Their violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) have harmed my creditworthiness and caused unnecessary stress. I am seeking damages for the harm caused and request CFPB intervention to ensure accountability. 

Details of the Complaint : 1. Previous Inaccurate and Misleading Reporting XXXX reported inaccurate late payments, repossessions ( R ), and charge-offs ( CO ) to my credit report from XXXX to XXXX. These reports were : Unsubstantiated : XXXX failed to provide documentation to verify the accuracy of these entries. 
Misleading : Repossession and charge-off entries were reported repeatedly over several years, creating an unfair impression of ongoing delinquency. 
These practices violated FCRA ( 15 U.S.C. 1681e ( b ) ) standards for accuracy and TILA ( 15 U.S.C. 1666b ) notice requirements.

2. Failure to Substantiate Reporting During Disputes Despite my disputes, Bridgecrest failed to provide documentation to substantiate : The validity of reported late payments.

Proper notice of delinquency or repossession, as required under TILA ( 15 U.S.C. 1666b ).

Their failure to substantiate this information violated both FCRA and TILA. 

XXXX. Harm Caused by XXXX Actions Financial Harm : The inaccuracies damaged my credit score for an extended period, resulting in : Higher interest rates on loans. 
Denial of financial opportunities. 
Increased financial burden. 
Emotional Distress : The prolonged reporting errors caused significant stress and frustration, as I was forced to repeatedly dispute incorrect information and deal with the consequences of a damaged credit profile. 
Legal Precedents Supporting My Complaint : Cushman XXXX XXXX XXXX, 115 F.3d 220 ( XXXX XXXX. XXXX ) : Credit furnishers must verify disputed informatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cir. XXXX ) : Misleading and unverifiable information must be corrected or deleted. 
Guimond v. XXXX XXXX XXXX XXXX, 45 F.3d 1329 ( XXXX XXXX XXXX ) : Consumers can recover damages for emotional distress caused by FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as Experian, XXXX, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the company that this account was not opened by me and that it was a result of identity theft. I was told that if this was a result of identity theft to file a police report. so I did so I have a complete identity theft package. to clear this matter from my credit report. I would like the credit reporting agency block all information associated this act of thief. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account open by Identity theft Account : XXXX XXXX XXXX  Credit card, date open XXXX, credit limit XXXX  Inquiries made by unknown Identity theft Company-XXXX  date XXXX Company- XXXX  XXXX XXXX XXXX Company XXXX XXXX XXXX  XXXX Company-XXXX XXXX XXXX date XXXX Company- XXXX XXXX XXXX Date- XXXX Company-XXXX Financial Date- XXXX Company- XXXX XXXX Date- XXXX Company- XXXX XXXX Date XXXX & XXXX ( 2 Inquiries ) Company- XXXX XXXX Date- XXXX Company-XXXX XXXX Date- XXXX Company- XXXX XXXX XXXX Date- XXXX
Product: Payday loan, title loan, personal loan, or advance loan

So Loan At Last is a XXXX XXXX XXXX basically giving them Sovereign Immunity against State & Federal laws limits on APRs. I took out a {$600.00} loan not realizing they are charging me a 664.67 % APR. Making a {$600.00} loan into a {$3000.00} loan after everything is said and done, I dont understand why these Predatory Loan Companies are allowed to conduct shady, illegal business practices. Just because theyre protected by Sovereign Immunity? Thats ludicrous! Its unethical & immoral to charge such an APR. And they wonder why I cant pay back the loan! And on top of they, they put the loan in collections! They shouldnt be allowed to do that. Nobody will ever be able to pay off a loan at that rate. Loan At Last needs to be held accountable for their atrocious business practices & should be ordered to pay back restitution.
Product: Debt collection

XXXX XXXX sent my debt to a collection agency. The agency was called " Receivables Performance Management. '' This agency sent me a letter stating that if I paid XXXX by XX/XX/18, that the remainder would be forgiven, and the balance be considered " settled in full '' and those words were in BOLD font. After reading the letter I received, I was given to understand that I would not receive a forgiveness of debt XXXX, that this was a " settled debt ''. 

I called in to confirm that this was correct, and identified myself and stated that I would do so. they wanted credit card payment but I stated I would be sending a check. They said it had to be received by XX/XX/18. I accepted the offer and complied. 

I sent the check on XX/XX/18, and it cleared my bank XX/XX/18 in the exact amount stated on the letter from Receivables Performance Management , LLC. 

I was declined for a car loan yesterday by XXXX XXXX XXXX XXXX due to this derogatory information. I can only assume my credit score would be improved if this had been corrected in XXXX when it was paid. 

I went to a XXXX store today and was connected DIRECTLY from their store line XXXX to XXXX XXXX XXXX, who ( XXXX XXXX ) stated that they " had no North Carolina Insurance Permit '' and that I owed the remaining {$440.00}. They said that they had been assigned the debt on XX/XX/18, and specifically stated that XXXX had assigned the debt to them. I am also enclosing an email from XXXX XXXX dated today showing my debt is marked " no balance due. ". 

As I was inside the XXXX Store ( 3rd party retailer ) the Customer Service Agent heard the XXXX XXXX  person say that " only XXXX '' could correct this and the XXXX person say that " they had no control '' over this debt. 

It appears that XXXX sold this debt twice. It was clearly assigned to RPM, LLC and I met their offer and timely replied. RPM gave it back or sold it to XXXX XXXX. I even got an email today showing a " confirmation number '' of paid in full from RPM. Settled in full means settled in full. It doesn't mean another go round. 

My bank, through their online bill pay system put the phrase " payment on account '' instead of " payment in full settlement of a disputed amount '' on the memo line. I was unfamiliar with the online bill pay system and put the " comment '' field different from the " invoice '' field, and so it did not say " settled in full '' on the check, but my bank has an internal record of that request. I am not upset at the bank, they did their part and sent the check to the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX XXXX XXXXXXXX account XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

My friend XXXX XXXX XXXX has been receiving repeated calls from continental financial they called him this morning at XXXX not saying nothing and breathing in the phone
Product: Credit reporting or other personal consumer reports

I am writing to you for the second time regarding the inaccurate information reported on my credit file. My previous letter, dated XX/XX/2024, has not yielded the appropriate action, and I remain deeply concerned about the handling of my dispute. Specifically, I am requesting a detailed explanation of the verification process your bureau utilized to investigate the disputed accounts. According to the Fair Credit Reporting Act ( FCRA ) Section 611, you are required to conduct a reasonable investigation when a consumer disputes information on their credit report. Your failure to comply with these regulations is highly troubling and suggests a lack of adherence to the legal standards set forth by the FCRA. The accounts in question do not belong to me and are erroneously attributed to my credit profile. These accounts belong to another individual, and I have no association with them. I have provided ample evidence to support my claim, yet these inaccuracies persist on my credit report, causing undue harm to my credit standing. I demand that you provide a comprehensive account of the steps taken during your investigation, including the methods and sources used to verify the disputed information. The lack of resolution from your previous response indicates a possible failure in following the mandated investigative protocols, which is unacceptable. 

XXXX CARD SERVICES XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XX/XX/XXXX, the suspect opened credit card account XXXX with XXXX and accrued {$3500.00} in charges. I believe the suspect stole my mail, specifically a XXXX tax form sent from my previous employer, from a mailbox located at address XXXX XXXX XXXX, XXXXXXXX XXXX where I lived from XX/XX/XXXX through XX/XX/XXXX. I discovered this fraudulent account on XX/XX/XXXX as I was looking at my credit report and noticed this unfamiliar bank and delinquent account. As soon as I discovered the account, I called XXXX to report the fraudulent account. I spoke with a representative in the XXXX XXXX Department, XXXX, who advised that the account was opened using the XXXX XXXX XXXX XXXXXXXX address. I had not been living at this address for XXXX years when this account was applied for and opened on XX/XX/XXXX. 

On XX/XX/XXXX, I reported this theft to the XXXX XXXX XXXX Precinct, XXXX XXXX, who advised that I needed a written statement from the bank with details and information used to open the account before he could file a police report. On XX/XX/XXXX, I sent XXXX a letter of request for business records related to this fraudulent account, along with the FTC Identity Theft Report, my government issued proof of identity, the Fair Credit Reporting Act Section 609 ( e ), and a link to ftc.gov resource titled Businesses Must Provide Victims and Law Enforcement with Transaction Records Related to Identity Theft. 

It has been XXXX days since I sent XXXX the letter of request for business records related to this fraudulent account and the only correspondence I have received is an Affidavit of XXXX form to fill out and send back to them in order for them to investigate. My consumer rights have been violated and I demand resolution to have this fraudulent account removed from my credit files. I have taken steps to dispute this fraudulent account by reporting the fraudulent account to XXXX, disputing the account with all three credit bureaus - Experian, XXXX, and XXXX - filing a complaint with the XXXX, as well as the XXXX  Police Department. Additionally, I have placed a freeze on my credit, set up fraud alerts, and added consumer statements with all three credit bureaus. 

This credit card account was opened fraudulently using my personal information without my consent or permission. I did not open or authorize this account. My credit report is showing incorrect information by claiming this credit card account under my identity. I demand that XXXX, XXXX, Experian, and XXXX absolve me of all charges on the fraudulent account and all activities associated with it, and that all appropriate steps are taken to remove information about this account from my credit files.
Product: Credit card

Dear Whomever it may concern, I am writing to express my extreme dissatisfaction with the continuous harassment and violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) by American Express ( AMEX ). Despite numerous attempts to address this issue, the relentless and inappropriate conduct persists, leaving me with no choice but to escalate this matter further. 

First and foremost, I have repeatedly requested to be placed on AMEX 's do not call list, in accordance with my rights under the FDCPA. However, these requests seem to fall on deaf ears as I continue to receive relentless calls from AMEX representatives. This flagrant disregard for my explicit instructions constitutes a clear violation of the FDCPA. 

Furthermore, I have explicitly requested AMEX to cease all communications with me by sending a formal cease and desist letter. Yet, despite this legal obligation, the calls persist unabated, demonstrating a complete disregard for my rights as a consumer. 

Moreover, what is even more distressing is that AMEX 's relentless pursuit extends beyond me to those around me. They repeatedly call friends, family members, and even acquaintances in what can only be described as a blatant attempt to harass and intimidate me. This behavior not only violates the FDCPA but also infringes upon the privacy and rights of individuals who have no involvement in my financial affairs. 

As a consumer, I demand that AMEX immediately cease all communications with me and refrain from contacting any individuals associated with me. This includes but is not limited to friends, family, employers, and colleagues. Such relentless and invasive tactics are not only unacceptable but also illegal under the provisions of the FDCPA. 

In light of the egregious and ongoing violations of my rights, I am formally requesting that AMEX take immediate action to rectify this situation. Failure to comply will leave me with no choice but to pursue legal recourse to protect my rights as a consumer. 

I expect a prompt and satisfactory resolution to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had an account with credit karma money spend with no issues with direct deposits up until recently when they decided to send me an email regarding closing my accounts on the XXXX, within 6 minutes of that email my accounts were closed and I was awaiting a direct deposit of XXXX  dollars into my spend account. I had that direct deposit sent on the XXXX and successfully processed on the XXXX of XXXX, account closed on the XXXX of XXXX and now I have been back and forth with credit karma and the sender as well as mvb bank who processes payments for credit karma and no one can give me any answers about where the money is or when Ill get it. In fact nobody can find the information, the sender has sent it and I have the transaction id number but it still cant be found. I am beyond frustrated at this point and wish I had Been given at least time to change bank info before they closed account. I recently lost my father and this money will help with funeral costs but with no idea when Ill actually receive it, Im in a tight spot now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete these accounts ASAP. 

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 : XXXXXXXX XXXX  Account number : XXXX Credit card opened XX/XX/XXXX Account charged off. {$9200.00} written off. {$9200.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened XX/XX/XXXX Account charged off. {$5000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off. {$5100.00} written off. {$5100.00} past due as of XXXX XXXX. 

Account name : XXXX, Account number : XXXX Date opened : XX/XX/XXXX Status Closed. {$2200.00} written off. 

Account name : XXXX XXXX XXXXXXXX, Account number : XXXX Original creditor : XXXXXXXX XXXX  Company sold- Account type : Debt Buyer Date opened : XXXX XXXX, XXXX Status : Collection account. {$1700.00} past due as of XX/XX/XXXX.
Product: Mortgage

XX/XX/2018 I contacted Network Capital Funding Corp. to cash out on a recently purchased duplex. The stated rate started out at 4.1 % then 4.25 % then 4.3 % I submitted all necessary documents, they pulled my credit and proceeded to give me a closing disclosure for 4.3 % I paid {$2800.00} in points to buy down the rate. The term was 15 years. After this on XX/XX/XXXX, I was told since my property was a duplex and I would not be living there the rate had to be increased to 4.75 % underwriting realized this and redid the rate but kept the term, 15 years. I agreed that I would not live in the property for 6 months so I understood the rate needed to be adjusted. At the same time I saw they had added escrow on my loan, which I had said from the beginning I did not want. They also, added taxes and insurance that I had already paid in full to this escrow. On XX/XX/XXXX, I locked in this 4.75 % rate. So, I requested when they send the next disclosure please be sure to take these escrow charges off. I received my new disclosure and we had the appraisal done and then made a date for closing XX/XX/XXXX. Then I was contacted by underwriting requesting more information, my insurance and tax proof of payment. Which I provided. At the same time underwriting asked me when was I moving into this duplex, I stated what I had said from the beginning, I have a lease in place and will have to move in XX/XX/XXXX. My loan officer then contacted me and said that since I would not be moving into the duplex for 6 months I had to have a rate increase to 5.75 % I reasoned with him that from the beginning of our conversations I had told him I have a duplex and I would not move in for 6 months. I reminded him that I thought the last rate increase from 4.3 % to 4.75 % was because this was not an owner occupied dwelling. He claims the first rate increase was because, he thought it was a single family home and would not generate income. But, all along in my emails and when talking with him he knew it was a duplex. Then he claims the second rate increase from 4.75 % to 5.75 % was because we were not going to live there. Again, I told him I have an email dated XX/XX/XXXX, stating I would not move into this dwelling for 6 months. This was well before I received any closing docs from Network Capital Funding.  Then I received the closing disclosure documents. Now, not only is my rate higher but the buy down points are higher and my terms had changed to a 30 year loan. Instead of {$5000.00} in closing costs now it was almost {$10000.00}. All the previous escrow fees had been placed back on the documents. My loan officer stated that it was his mistake he didn't know it was an income property and it was a mistake that they added the escrow back on but can this company make so many mistakes on one loan? Or am I being set up for a bait and switch? I have until XX/XX/XXXX to close and each time right before closing they ask for more information and readjust my rates, terms and fees. I have already paid for an appraisal and only want them to honor the lock in rate I have so that we can close.
Product: Payday loan, title loan, personal loan, or advance loan

The amount that they are reporting is more then what the original amount that I was suppose to pay back. The loan was only XXXX. But they are reporting XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX5 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I recently discovered XXXX accounts reported on my credit report from a creditor Amex that I have no XXXX of. XXXX opened XX/XX/XXXX for the amount of XXXX Another opened on XX/XX/XXXX XXXX Ive never had accounts with this company and Have tried to reach out several times to have this information removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 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 there transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.