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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$6900.00}, {$11000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I received a statement from the medical provider which was not accurate. I am not being credited for my payment ( they are sharing the fee with a facility ). I reviewed the statement with them on XX/XX/22 and they indicated they were going to send it back to " posting for clarification ''. I asked if I would receive a revised statement or a return call and they answered yes. The next contact was a collection notice on XX/XX/22. 

*The facility they are splitting the fee with has confirmed they received my full payment AND the respective share of fee shows on each of their statements.
Product: Credit card or prepaid card

On XX/XX/XXXX there were 3 balance transfers from my Comenity CC. The first one for {XXXX} was mine. There were an additional 2 charges : {XXXX} and {XXXX}. Comenity states that these went to a XXXX account and I do bank with XXXX Bank BUT these did not go into my account or any account that I am aware of. I have gone to XXXX Bank and sat down with them and they checked all my accounts to confirm that these transactions did not occur on my account. Comenity will not tell me the account where these amounts were transferred. So that my credit would not be affected, I have paid Comenity but these are not my charges and I have been trying since XX/XX/XXXX to get my money back.
Product: Payday loan, title loan, or personal loan

I received loan from LOANME. XXXX in amount of {$2100.00} in XX/XX/XXXX. Made first biweekly payment of {$160.00} on XX/XX/XXXX. For last 7 months up until XX/XX/XXXX I've been making these bi weekly payments of {$160.00}, totaling over {$2500.00}? Which is way over principle amount of loan. When I go on website to access my account about pay history and payoff, I can not access my account? Customer service gives me the run around! Then they give me a pay off amount well over the actual principle amount of the actual {$2100.00} loan itself? After paying them over {$2500.00} for the last 7 months, my pay off way over {$2500.00}? How? And why is pay off more than the actual loan? Where did my payments go if they weren't applied to principle of the loan to help with pay off? I was told if I paid off loan early, then there would not be any pre pay penalties? I'm confused as to how I owe more than amount borrowed after 7 months of on time payments? This lender is a predatory loan lender and charging interest rates that aren't legal in the states that you reside in, in receiving these loans. Paying over XXXX  times the amount of money borrowed
Product: Mortgage

This complaint is to blow a little steam and open the CFPB 's eyes to CitiMortgage and their CB reporting. And perhaps CitiMortgage will take a deeper dive into their own CB reporting - perhaps look through the XXXX? 

For some reason, CitiMortgage has been sending the Consumer Reporting Agencies a XXXX, which has been removing the tradeline from the scoring algorithm calculated by XXXX. I 've NEVER once submitted a Direct Dispute, so no Compliance Condition Code should be on the loan. Compliance Condition Codes are only supposed to be used when a customer submits a Direct. Even if your practice is to place a CCC on a loan with an XXXX - I 've never once submitted an XXXX either. After calling in to CitiMortgage, I think they 've removed it, but would like this double checked. 

Secondly, XXXX has my employer listed as CitiMortgage as well. WHAT? I do n't work at CitiMortgage. I have n't checked my other bureaus yet, but I 'm sure they have the same info. My thought process is that, for some odd reason, CitiMortgage is submitting an XXXX segment advising that I work there. I 've disputed this with XXXX, but as previously stated I have not checked the other bureaus and would like you to verify and make sure you are not reporting this out month over month. 

One more XXXX to pic. I 've had nothing but problems with your company since I 've taken out the mortgage. Every year, my Escrow shortage payment gets messed up, and every year, I have to call in and get that fixed. That 's probably how the XXXX was placed on my loan, or perhaps it was last year 's CFPB complaint that prompted you to place it on there, but ... I was told that you wo n't remove the escrow and just let me pay my taxes as they come in. XXXX forbid. 

P.S. I manage CB Reporting/Disputes at a financial company - so I know what I am talking about. And I know that the CRA 's mess up a lot. It 's possible that the CRA 's botched the data on their end. However, in all probability it 's CitiMortgage who is furnishing inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$0.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$0.00} ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$2700.00} ACCOUNT NAME : US DEPARTMENT OF EDU ACCOUNT NUMBER : XXXX Balance : {$7200.00} ACCOUNT NAME : US DEPARTMENT OF EDU ACCOUNT NUMBER : XXXX Balance : {$4000.00} ACCOUNT NAME : US DEPT OF EDUCATION ACCOUNT NUMBER : XXXX Balance : {$1400.00} ACCOUNT NAME : US DEPT OF EDUCATION ACCOUNT NUMBER : XXXX Balance : {$1400.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature otherwise remove this account from my credit report. I request that all future correspondence be done through email. As stated in the FCRA, you are required to respond to my dispute within thirty days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX and TRANSUNION XXXX 30 days late in XXXX XXXX 60 days late in XX/XX/XXXX, XXXX XXXX, 90 days late in XX/XX/XXXX, XX/XX/XXXX as well as 120 days late in XX/XX/XXXX and 180 days late in XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Product: Debt collection

I am a federally protected consumer and a natural living person. I am aware that this company by the name of SEQUIUM ASSET SOLUTION, is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe this company this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and SEQUIUM ASSET SOLUTION should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX  Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Product: Vehicle loan or lease

There was an issue on my credit report with a fraudulent and unauthorized inquiry that had been on my credit report. The issue began on XXXX XXXX with an unauthorized inquiry for a vehicle loan with Capital One Auto Financing . Despite my efforts to resolve the situation directly with the company, as well as the reporting credit bureaus ( XXXX XXXX XXXX ), including steps taken such as phone calls and informing them of the identity theft report I submitted with the FTC, and letters mailed, I have not been able to reach a satisfactory resolution. 
I am requesting that the Consumer Financial Protection Bureau intervene and assist me in resolving this matter. Specifically, I would like this fraudulent unauthorized inquiry removed from my credit reports immediately. 
Thank you for your time and attention to this matter. I look forward to your assistance in helping to resolve this issue promptly. 
Sincerely, XXXX XXXX.
Product: Payday loan, title loan, or personal loan

Mosiac with XXXX XXXX pressured us to buy 115 % of solar on my roof. It does not produce 115 % not even close. I turned in complaint to federal regulator. I would like the solar panels removed from my house or they can pay them off. they are now restricting my selling of my home. 
The panels failed, and misrepresented to me, I have documented proof. Also, the salesman spoke with Mosiac while we were buying them, and he stated that they will come after me if I do not pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, the fact that you are ignoring the the fair credit reporting act is very disappointing. You have deleted bankruptcy chapter XXXX off of my credit report, because you couldnt verify that it was my account. Also you know that you have told a lie saying the courts verify this information. Which they do not. And i provided a letter from the court stating that they indeed, DO NOT report public information to the credit bureaus. You reported this account back onto my report XX/XX/2021. Why? This is extremely frustrating for me. To provide you with correct information. For you to still go against the fair credit act is disgusting. Please remove this account like you previous did, and do not add it back on. Or i will result to legal actions. I will attach the letter from the bankruptcy court AGAIN. Also remove all those addresses that do not belong to me. The only address that is correct is XXXX XXXX, Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a mortgage with XXXX  XXXX XXXX from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. XXXX XXXX XXXXXXXX WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. XXXX  XXXX XXXX is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed XXXX, Transunion and XXXX bureaus 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me XXXX XXXX XXXX is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called XXXX  XXXX XXXX Again yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today XXXX  sends me a letter stating it will remain on my credit because XXXX said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.
Product: Credit card or prepaid card

on XX/XX/XXXX i went to purchase a vehicle and came to aware during the financing process that a delinquent account from SYNCB/BELK is in my credit report for the amount of {$4100.00} which is not opened by me or no knowledge about this account. i contacted the bank fraud department and made a complain about this unknown account and the address used to open the account. The account was opened on XX/XX/XXXX using the address XXXX XXXX XXXX Ct, XXXX  XXXX which is not belong to me. Following that bank instructed it may take 30 days to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed find information from consumers energy of proper dates which is correct and Equifax has submitted different dates which is inaccurate information on credit report. Please find attachment that XXXX XXXX removing XXXX XXXX XXXX from credit report
Product: Debt collection

Consumer Financial Protection Bureau Subject : Dispute of Inaccuracies in Credit Report Dear Sir/Madam, I am writing to dispute inaccuracies present on my credit report, which have been reported by JEFFERSON CAPITAL SYSTEMS . I have identified several violations of federal laws in their handling of my account, which warrant immediate investigation and resolution. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite repeated requests, I have not received adequate documentation supporting the validity of the debt they claim I owe. This lack of validation directly violates my rights under federal law. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has neglected to provide me with a proper means to challenge the accuracy of the reported information, denying me my statutory right to dispute the account. 

Violation of Consumer Rights : The collection agency has engaged in false, misleading, and deceptive practices in their handling of my account. Such actions violate my consumer rights and undermine the integrity of the credit reporting process. These unethical practices must be addressed to ensure fair treatment of consumers. 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) : Furthermore, the collection agency has furnished information to consumer reporting agencies without providing the necessary disclosures mandated by law. This flagrant disregard for federal regulations outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) demonstrates a clear violation of my rights as a consumer. 

I request that the Consumer Financial Protection Bureau investigate these violations promptly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge you to enforce penalties against JEFFERSON CAPITAL SYSTEMS for failing to comply with federal laws and disregarding consumer rights. 



Thank you for your attention to this matter. I look forward to a swift resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

They've closed my requests for the errors and fraudulent information on my credit report.
Product: Debt collection

On XX/XX/XXXX I was served for payment on a credit card from XXXX the petitioner was XXXX XXXX scaring me into paying options I lost my job awhile afterwards and I could not make payments they were notified I have recently received a notice from the law firm Kramer & Frank from a XXXX XXXX XXXX saying my wages will be garnished for this debt from XXXX XXXX. I was never notified prior to this saying this was going back to court and never had the opportunity to appear to defend myself against this issue. I feel I am being harassed and in stressful situation. Im single woman my income is all I have to live. This is a 14 to 15 year old debt from the days of my divorce.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit reports and noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account Name : XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX Account XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I rented an apartment with XXXX  on XXXX in XXXX XXXX XXXX, TX. At the time I think it was managed by XXXX. My lease was to end in XX/XX/XXXX. Around XX/XX/XXXX I was late on my rent and notified the office. They agreed to the arrangement. When I went into the office to pay on the assigned day the office notified me that they would not bring accepting my payment so an eviction was filed. We went to court around XX/XX/XXXX and everything was explained to the judge but to no avail the judge sided with the landlord. I was evicted. My problem is after move out the 3rd party collection agency is reporting that I owed the landlord XXXX which is impossible. This apartment complex is a total ripoff which have been through 3 or more management agencies in the last 3 years. They prey on ruining tenants rental history. The 3rd party collection company is NCC BUSINESS SERVICES. I am requesting that both companies be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 instruction.
Product: Checking or savings account

Holding a deposit for 5 business days is enriching the bank. They have the funds in 24 hours and are sitting on it and are making at least Fed funds at 5.25 % They should pay interest on the use of the funds if they are worried about fraud. 

Why 5 days instead of 2 days versus 30 days seems random and in the banks favor. 

They have held my $ XXXX deposit from my moms estate for 5 days. Seems excessive
Product: Credit card or prepaid card

Every month I pay my Capital One credit card on the due date. However, because I do not pay by XXXX XXXX. CST, I am hit with a {$40.00} late fee. As a result I can not get out of this quick sand of debt. This company is too big to be this predatory. I understand that processing has to have certain timelines, but my other credit card specifically, XXXX XXXX, will automatically refund the late fee as long as the payment is received on the due date, so I know my solution is not an impossible one. I don't mean to sound entitled. I am well aware that I have the option of not using the card, and for a very long time I did not. However, I keep cards for emergencies and something came up where I had to use this card. I regret it, I regret it with every part of me. If I had the ability to pay it off I absolutely would because nothing about maintaining this card makes me feel good to have it in my wallet. If I knew how to go about starting a class action, I would. I hope this gets published so that somebody with that skill set sees it. I have discovered in this life I am usually not that special unusual, and I can not be the only person this is happening to. I would love to be able to pay all my obligations early, but like many people that's not always an option, and this is so discouraging. I paid {$70.00}, did not use the card only to see my balance go up because interest and fees for the month are {$81.00}, and now my monthly minimum payment has increased. So now I have to pay interest on the late fee, and because this has happened to me several months now I don't recall seeing a notice but I'm pretty sure my interest rate has increased or soon will.