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

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$3300.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting. 

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). 

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that XXXX XXXX XXXX XXXX XXXX and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt XXXX XXXX XXXX XXXX XXXX XXXX 
claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what XXXX XXXX XXXX XXXX XXXX claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX XXXX XXXX claim I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which XXXX XXXX XXXX XXXX XXXX is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the dunning letter.

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. 

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship XXXX XXXX XXXX, Inc.has with XXXX, and advise how XXXX XXXX XXXX, XXXX XXXX gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my consumer rights by reporting inaccurate/unverifiable information on my consumer report. 

Inaccurate information showing on my consumer report : XXXX XXXX XXXX XXXX Opened XXXX {$3300.00} The alleged collection account does not belong to me.
Product: Mortgage

My loan was sold to XXXX XXXX, now known as LoanCare , LLC, in XX/XX/XXXX. I have experienced difficultly on several occasions trying to process one-time principal payments via the website. In XX/XX/XXXX ( near the end of the month ) I tried to make a principal payment of {$10000.00} online and received an error. I spoke to a CSR who informed me I had to wait until my monthly payment was drafted, which would occur on XX/XX/XXXX. I attempted to make the principal payment again after XX/XX/XXXX, and received another error message. A different CSR informed me the monthly payment would take a few days to post and I needed to call back. Finally on XX/XX/XXXX, I spoke to a CSR and would not take 'no ' as an answer. The CSR then told me they could only take a payment of {$9900.00}. I refused this reply and asked to speak to a supervisor as I did not want it to appear as though I was structuring payment amounts. A supervisor ( XXXX XXXX successfully processed this payment on XX/XX/XXXX at XXXX. In XX/XX/XXXX, I again sought to make a one-time principal payment via the website for {$10000.00} and once again received an error message. I spoke to a CSR ( XXXX XXXX on XX/XX/XXXX who processed the payment. In XX/XX/XXXX, I tried again to process a principal payment of a few hundred dollars online and received an error. I did NOT call a CSR. On XX/XX/XXXX, I tried to use the website to get a copy of my amortization schedule and again, received an error. At this time, I submitted a complaint via the company 's website explaining the issues I encountered and my increasing frustration. I also suggested that the hoops I had to go through to make principal payments felt as though LoanCare was trying to make it harder for customer to pre-pay and thereby collect more interest income. For example, there was a 2 week delay from XXXX until XX/XX/XXXX where LoanCare was able to collect interest on an additional {$10000.00} of principal because I wasn't able to make a one-time payment despite repeated attempts. In my complaint on XX/XX/XXXX, I asked to be contacted on my cell phone. LoanCare did call me on both XX/XX/XXXX and XXXX, but I was unable to take the calls. On XX/XX/XXXX, I received a letter in the mail regarding my inquiry for a copy of my amortization schedule ; a copy was enclosed in the letter. Also enclosed was a letter to another customer regarding a complaint they submitted to the XXXX XXXX XXXX regarding their escrow account. In addition to the letter, LoanCare included a copy of the other customer 's escrow statement which includes various PII ( name, address, loan number, etc. ). I reached out to LoanCare on XX/XX/XXXX to share that I received this letter. I also asked who their primary regulator is, and they confirmed it is the CFPB. They provided an internal email address where I can submit my complaint and asked that I send a copy of the other customer 's information that was shared. I have not yet submitted anything to this email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bankruptcy has been dismissed & closed since XXXX and was unauthorized to use ... my information was disclosed publicly without my consent used in determining my public records & banking / lending process based off inaccurately reporting on all 3 bureaus... i have freeze on my social on all 3 bureaus /XXXX XXXX so therefore this info shouldnt be publicly given r disclosed without my consent... please investigate and send correspondence to my email XXXX XXXXXXXX ... ive disputed 3/4xs this year n made complaints to bureaus nothing is done...
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act : XXXX XXXX Account XXXX has violated my rights. 

In Accordance with The Fair Credit Reporting Act : XXXX XXXX XXXXXXXX. Account XXXX has violated my rights. 

15 USC 1681 section 602A States I have the right to privacy. 

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Vehicle loan or lease

I have made all my payments for the year XXXX usually early to avoid paying such a high interest amount. I was 30 in advance of my monthly payment, I found out they were collecting interest on the payment even before it was 30 days due. I'm not too sure what my rights are pertaining to that matter but once I found out that I was being charged the early interest I started to make a payment as soon as the payment was posted on my account. I paid my payments so far in advance they would not allow me to make any more payments. Which was XX/XX/XXXX 's payment. My argument is if they can post XXXX 'XXXX  payment and collect interest on that payment I should have the right to pay that payment. Which I did over the phone and they accepted my payment and collected the interest off of that payment. They told me that the payment doesn't count as XXXX 'XXXX  payment and I will have to pay XXXX 'XXXX  payment. If they posted the payment and I paid the payment and they collected the interest on that payment can they do that?
Product: Checking or savings account

Please refer my previous CFPB complainat " XXXX '' on XX/XX/2021. 
I have Citibank 's Interest checking account. Got an email from Citigroup which stated that for any direct deposits, I will get upto 2 % cash back ( up to {$100.00} ). I have direct deposit of my salary two times of {$2500.00} each duringXX/XX/2021 ( one on XX/XX/XXXX and another one on XX/XX/2021 - both {$2500.00} ) on after following this promotion all the conditions. But I haven't received {$100.00} for these direct deposit activities. I can not keep this account open forever to get this {$100.00} as during pandemic my money ( {$5000.00} ) in this account is blocked ( very low interest rates ). Dealing with totally inefficient Citibank customer service is good for nothing. Already talked to them for at least 3 times via chat regarding the same issue. This bank is so large and inefficient that left hand doesn't know what right hand is doing. Customer service is just looking to pass the buck from one team/person to another. 
Citi just want to block the money for dubious promotions plus terms and conditions. Citi will keep on moving the goal post like this. 


Citi stated in their response that : However, if you would like to continue participating in this promotion please complete two additional direct deposits, one in the month of XXXX, and one in XXXX. Thereafter, if the remaining terms and conditions are met the 2 % cash back bonus ( up to {$100.00} ) would be applied to your account ending in XXXX on or before XX/XX/2021. 

Even after meeting that condition I haven't got {$100.00} cash back bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two accounts listed below are not mines and should have been deleted months ago. I have filed complaints with both companies as well as with the attorney general of Florida and Washington. I was also not notified in writing of debt prior to posting to credit report. XXXX XXXX XXXX In Opened XX/XX/XXXX {$53.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$5900.00} Original creditor : XXXX XXXX XXXX  This account is more than 7 years old and should have been deleted. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} In Collections/Charge-off
Product: Credit card

Purchase on XX/XX/year> to XXXX. 

Item ( incorrect item sent by XXXX ) were returned to XXXX on XX/XX/year>, via tracking : XXXX via XXXX XXXX Filed a dispute due to not getting a refund. 
I was granted a temp credit and then they reversed that credit in XX/XX/XXXX stating the tracking information was not valid. I sent them a copy of the tracking showing delivered to XXXX and still have not gotten my credit.
Product: Credit card

XXXX card was separated from Costco in XX/XX/XXXX. Citi took over the account in XX/XX/XXXX. We had the amounts charged to Citi auto paid. At the end of five months, Citi has taken more money from our account than we owe. by {$680.00}. After more than two and a half hours on the phone with Citi, and XXXX emails, their only response is that we can go over the line items charged, line by line. The question is not what we have charged its that they are not applying the money that has been auto paid to citi. I have documentation of this. They will not accept the documentation. However, they have added erroneous charges to our account. I have taken the auto pay off the account. I have the paper statement now, and the amount Citi says we owe has grown inexplicably. Citi can not explain it either. I would like someone to review our payments, that Citi agrees we have paid, verses the charges that Citi says we still owe. To date, they now owe us {$680.00}. Please help!
Product: Credit card

Sent credit card balance transfer from XXXX ( Account XXXX ) to Citibank ( {$9200.00}, Citibank Account XXXX ) and XXXX ( {$5700.00} ) on XX/XX/2017. XXXX posted transfer on XX/XX/2017. Citibank stated on XX/XX/2017 that they have not received the balance transfer even after verifying the account information several times. As another example, I sent a XXXX XXXX bill pay to Citibank and it posted in 4 days. 

XXXX has verified that the Citibank balance transfer was a valid account and it left their institution on XX/XX/2017. After 13 days, they have not received a notice from Citibank that it was rejected.
Product: Credit reporting or other personal consumer reports

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

I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX, XXXX OPENED ON XX/XX/XXXX, XX/XX/XXXX FOR {$1500.00} and XXXX ON XXXX, XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. XX/XX/XXXX FOR {$1500.00} AND XXXX ACCOUNT NUMBER : XXXX ON EXPERION ON XX/XX/XXXX FOR XXXX and XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX to get my credit reports from XXXX, Transunion and XXXX. I am always told to call them and then I spend hours trying to get a copy of my report from the various agencies. 
I am sick and tired of them doing this to me. 
I feel that they do this to discourage people that are low income like myself from requesting my reports. I feel they do this to save money. 
I am very frustrated with them. 
I have lived at the same address for about XXXX or 8 years. 
I have not had any problems with credit theft or anything like that. 
I have had the same phone number for years as well. 
They keep doing this and it needs to stop. I am entitled to my reports and they are depriving me of keeping track of my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Filing a Complaint Regarding Unresolved Dispute with XXXX XXXX and Experian Regarding Civil Liability for Negligence Dear Sir/Madam , I am writing to file a formal complaint regarding unresolved issues with XXXX  XXXX and Experian related to charges stemming from a civil liability issue due to negligence. Below are the details of my complaint : Account Information : XXXX XXXX Account Name : XXXX  XXXX XXXX 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX 
XXXX XXXX Account Number : XXXX Dispute History : On XX/XX/XXXX, I initiated a dispute with Experian regarding inaccurate charges to my accounts. The charges stemmed from XXXX XXXX due to mistakes in billing. Despite filing the dispute with Experian, the issue has yet to be fully resolved, and I have received no satisfactory updates or corrections. 

Description of Issue : The charges applied to my XXXX XXXX accounts appear to be the result of negligence on their part. Despite my efforts to resolve this directly with XXXX XXXX and the dispute filed with Experian, the issue remains unresolved. I believe the negligence leading to these charges has not been addressed properly.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted dispute letters via USPS with XXXX, TransUnion and XXXX  to verify collection accounts opened in my name. I have not done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. It has been more than 30 days and I've yet to receive a response.
Product: Credit reporting or other personal consumer reports

I have attached an FTC report with a fraudulent collection and fraudulent unauthorized inquires. I have sent 4 letters to Transunion and they haven't done anything and this is a violation of the FCRA.
Product: Vehicle loan or lease

The amount paid was not applied properly to the loan at times throughout the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my credit reporting. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying for over a year to fix this issue. They are violating 3 credit laws. I want them removed in 7 days.
Product: Checking or savings account

I filed complaint XXXX XXXX with you XX/XX/XXXX. U closed it XX/XX/XXXX stating BMO responded by closing the account and sending me a check for my remaining funds. It is now 2+ mo the later I have called 4 times and gave my correct address each time and still have not received the requested information. I request a supervisor on XX/XX/XXXX and XX/XX/XXXX and was denied one being told none was avail I should go to the branch for my issues.
Product: Mortgage

For seven years Bank of America and for two years XXXX XXXX XXXX XXXX has been attempting to do predator refinancing with me. They do this by, refusing to give me twenty year fixed rate VA loan, by trying to charge excessive interest rates on conventional loans, and attempting to getting premium spread interest on 30 year conventional loans. They have also, denied me a remodification of my loan through Harp XXXX times during this period of time. When I try to refinance with another Bank or Mortgage entity. They will not sign the settlement. This is predatory lending, Race and Age Discrimination.
Product: Mortgage

i was forced to file bankruptcy to save my home when i tried every avenue just because my mortgage company wanted my home by stop sending me my monthly statements for a year since back in XXXX i have been under bankruptcy since XXXX with no help or assistance and no where to turn
Product: Debt collection

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof XXXX  the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Product: Credit reporting or other personal consumer reports

I recently obtain a copy of my credit report and notice XXXX XXXX XXXX XXXX XXXX is reporting a lot of inaccuracies. Under the Fair Reporting Act, I am entitled to dispute any information that I believe is inaccurate or incomplete. I kindly request that you conduct a thorough investigation into this matter and provide me with the results of your investigation as soon as possible. 

I appreciate your attention to this matter and looking forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX ( XXXX ) days of the completion of your re-investigation.