23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We refinanced about 2 years ago ( with Flagstar Bank ) and were making auto payments ( double payments, one for regular payments and second amount to principle only ) thru our bank. We recently moved and had to make address change and also wanted to make only one regular monthly payment. Thats when we found out that the first payment was going to regular mortgage and second was not going to principle only but advance payment for the next month. I was very upset, who makes extra payments, and it doesn't go to principle only. I'm sure we set it up when we set up our autopay, but they claim we didn't go online to set this up. According to them, there is a portion online for this purpose. We are in our late XXXX 's and not very computer literate. They claim since we found out about this only now, they could not do anything about the last 2 years. Hope you can help us...
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus 09/02/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Back in XXXX, there was 22 different transactions made on my account with XXXX XXXX out to {$870.00}. I've been fighting it ever since then all the way up till today. They keep on denying my claims and my disputes. There's all the documentations and all the documents that they've sent to me. Does not look legit and accurate not matching up with my statements. That I have on my end at home. My none of my pronouns of my monthly statements add up very.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card

Received an offer for a Verizon Visa Signature Credit Card via Synchrony Bank, the mail piece I received has three rates listed on the back, 23.99 % for 'account type 1 or 26.99 % for account type 2 or 30.99 % for account type 3, and then all it has is one additional line that references account type 1 and it says, " a limited number of applicants are expected to receive account type 1. '' It has no other information about this. It's very confusing, how do you know what account type you're getting? it lists no criteria nor does it provide any detailed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Please remove all iquries from my creidit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and have created an identity theft report, police report, as well as a dispute letter with credit bureaus to have the incorrect information removed from my credit file in XX/XX/2021. Despite my efforts, Experian refuses to take my information. 

I've sent the information via notary, created multiple identify theft reports after being told mine wasn't accurate because it did not have enough pages ( it had all the pages I was given ) and the information was revalidated without giving me any sort of documentation to validate that it was in fact me. 

This is causing me severe harm as I am unable to qualify for many things due to the delinquency of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XX/XX/2016 ( {$1600.00} ) XXXX XXXX XXXX ( {$2400.00} ) ( XXXX ) XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX ( {$520.00} ) XXXX XXXX XXXX XXXX ( {$240.00} ) ( XXXX ) XXXX XXXX XXXX  ( {$17000.00} ) XXXX XXXX Account # 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 instructions
Product: Debt collection

I received a phone call from a debt collector claiming to be from a law office on an old credit card account that was from XXXX. The man that I spoke to was named XXXX at XXXX he attempted to call me several times while I was driving but the call kept dropping. When I was finally in an area that I could return a call to him, I did, and the following conversation transpired that left me feeling UN-eased and uncomfortable. He asked me if I was going to take care of the debt, and I replied no because there was a savings account attached to that credit card that would be used in the instance that I defaulted on the credit card. He told me no there was n't and I replied yes it was from XX/XX/XXXX, then, he told me that the account was opened by me XX/XX/XXXX. I then told him that I did n't go by the name he was stating over the phone since XX/XX/XXXX when one year later I went into the XXXX and the military legally changed my name to my maternal mother 's last name. So I told him good luck proving that I existed by that name in XX/XX/XXXX, because I 've been going by my maternal mother last name since XX/XX/XXXX ; at which time he responds to me by saying I knew you were a transgender and bye. So what recourse do I have to pursue any matter in this situation with this certain individual that totally got it wrong and made a derogatory offensive remark to me?
Product: Debt collection

Subject : Complaint Against 60 Day Credit Repair and Denefits, the collection Agency they use for Harassment and Unlawful Contact Practices Dear Sir/Madam, I am writing to formally lodge a complaint against 60 Day Credit Repair regarding their persistent and harassing communication practices. Despite my explicit instructions to cease contacting me outside of regular business hours, I continue to receive phone calls and emails at odd hours, causing significant distress and inconvenience. 
Details of the Complaint : Company Name : 60 Day Credit Repair Nature of Services : Credit Repair Outstanding Balance : {$1600.00} Issue : Harassment through phone calls and emails at odd hours Agents Statement : An agent from the company explicitly stated that I would continue to receive emails and calls until the outstanding balance is paid in full. 
Specific Incident : On [ specific date ], I was contacted at XXXX XXXX, which is a violation of my rights as a consumer, even after I had informed them of my preferred contact times.

Agency Used : The agency they used for these communications is called XXXX. 
I have repeatedly informed 60 Day Credit Repair to stop contacting me outside of regular business hours, yet they have ignored my requests. The agents statement that I will constantly receive emails and calls until I pay the balance is both unprofessional and a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
I request the CFPB to investigate this matter and take appropriate action against 60 Day Credit Repair for their unlawful and harassing practices. I also seek guidance on how to protect myself from further harassment and ensure that my rights are upheld. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB comolaint has. been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX, and XXXX 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. I believe this information may be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX. An auto loan account was opened at XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX with a balance of {$2100.00} A lease or factoring company account loan was opened at XXXX XXXX XXXX opened XX/XX/XXXX : Account number XXXX, with a balance of {$700.00}. A factoring company loan at XXXX XXXX was opened on XX/XX/XXXX, account. # XXXX. And account at XXXX XXXX XXXX. XXXX Opened on XX/XX/XXXX. XXXX : with a balance of {$720.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 XXXX Federal Trade Commission that all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I am writing to dispute incorrect variations of my name listed on my credit report under the Fair Credit Reporting Act ( FCRA ). Accurate information is essential for fair credit reporting, and it is my legal right to have this inaccuracy corrected. 

Per the Fair Credit Reporting Act, Section 607 ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of information reported. The inclusion of these variations does not reflect my true name or address, which is : XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX FL XXXX I request that you investigate this matter and remove all incorrect or duplicate variations of my name and address from my credit file. To assist your investigation, I have included the following documents : A copy of my government-issued ID showing my correct legal name and address.
Product: Checking or savings account

On multiple occasions I have attempted to dispute fraudulent charges and transactions on my account ( s ), I spoke with a representative from my financial Institution on Thursday XX/XX/2019. I advised them of the following situation, which permits my ability to file as a victim of identity theft, I advised them that on XX/XX/2019- I made a purchase on my account, that was the last purchase that I authorized on that account, Since then I have not made any purchases on that account, Aside from ATM withdrawals, and managing the settings and preferences on that account, the following transactions are the said unauthorized transactions. Date varies as well as transaction amountsXX/XX/2019- {$8.00} XX/XX/2019- {$9.00} XX/XX/2019- {$10.00} XX/XX/2019 - {$39.00} XX/XX/2019 - {$20.00} XX/XX/2019 - {$160.00} XX/XX/2019 - {$30.00} XX/XX/2019 - {$86.00} XX/XX/2019 - {$99.00} XX/XX/2019 - {$58.00} XX/XX/2019 - {$120.00}XX/XX/XXXXXX/XX/2019- {$5.00}XX/XX/2019- {$27.00} XX/XX/2019- {$16.00} XX/XX/2019- {$22.00} XX/XX/2019- {$18.00} XX/XX/2019- {$24.00} XX/XX/2019- {$17.00} XX/XX/2019- {$11.00} XX/XX/2019- {$2.00} XX/XX/2019- {$1.00} XX/XX/2019- {$8.00} XX/XX/2019- {$1.00} XX/XX/2019- {$12.00} XX/XX/2019- {$12.00} XX/XX/2019- {$6.00} XX/XX/2019- {$80.00} XX/XX/2019- {$16.00} XX/XX/2019- {$8.00} XX/XX/2019- {$18.00} XX/XX/2019 - {$2.00} XX/XX/2019 - {$12.00} XX/XX/2019 - {$4.00} XX/XX/2019 - {$6.00} XX/XX/2019 - {$21.00} XX/XX/2019- {$6.00} XX/XX/2019 - {$10.00} XX/XX/2019 - {$10.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at the list of account below has violated my federally protected consumer rights to privacy and confidentially Collection company name : XXXX XXXX XXXX  Account number XXXX Account number XXXX Collection company name : XXXX XXXX Account number XXXX XXXX Collection XXXX XXXX : The XXXX XXXX XXXX 
Account number XXXX Collection company name : XXXX XXXX  Account number XXXX Collection company name : XXXX XXXX XXXX Account number XXXX Collection company name : XXXX XXXX Account number XXXX Collection company name : XXXX XXXX XXXX Account number XXXX Account number XXXX 15 USC 1681 section 602.a States I have the right to privacy. Section 604a also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( A ) 5 section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes wish antedates the report by more than seven years 15 USC 1681s2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable calls to believe the information is inaccurate
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below on 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 the 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. According to the Fair Credit Reporting Act, 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed document contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original customer contract with my signature in it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be removed immediately. If this account is not removed from my credit report I will sue you for violating my rights and statutory damages being that you violated the FCRA.
Product: Credit reporting

I do not have any affiliation or a credit account/card with XXXX. However it 's showing on my credit that I have a closed acct with a balance more than {$1800.00}. I do n't own or have ever filled out paper work requesting or using any XXXX credit cards. It says the account was opened back in 2011 at that time I was not even a legal adult, I would like this to be taken off, it is affecting my credit score tremendously.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$560.00} XXXX  XXXX XXXX Balance : {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is reporting a credit card on my credit account that I have never opened with them, my information was exposed in XXXX data breach and some other stuff was on my credit profile as well. That other stuff was deleted because they knew it was not mines.
Product: Credit card

XX/XX/XXXX I called the bank as I was a late on a cc payment and wanted to know the amount to pay and if I paid that day I would not be 30 days late. She gave me the amount and said I have 10 days to pay the amount XX/XX/XXXX I paid the amount the same day XXXX. 
XX/XX/XXXX I got notice I was 30 days late, so I looked at my banking and I did send the amount but it went to the same bank mortgage department and not the XXXX department XX/XX/XXXX I called immediately told them what happened and she asked if I wanted a refund since it went to mortgage I said no keep it I will pay again so paid XXXX to pay again in full. 
Honest mistake XX/XX/XXXX got a notice my cc was closed. I had conversations and have had this account since XXXX and mortgage since XXXX with no late payments. I talked to reps the entire time correcting the issue and they still put 30 days late and closed my account. 
I think unfair treatment as honest mistake on a banking app. 
XX/XX/XXXX Had credit pulled and realized they did not take off the 30 days and closed the account. 
XX/XX/XXXX I went in the bank talked to a XXXX all he did was call the cc line and tell me too bad they know a honest mistake but will not do anything. I just want the 30 days removed as they received the money before 30 days in full and I said I can pay the balance if they do not want me as a customer. 
He said will have someone call me and paying the balance would not clear the 30 day late. 
XX/XX/XXXX XXXX their collection department called me and XXXX care said no will not reverse, agreed was an honest mistake so I asked can they least reopen the account and she said no. 
My complaint is this bank GOT the money on time they even admitted they got the money on time. So why close my account and why not take 30 days late of my credit report since they got the money before 30 days. I always pay my bills can look at my credit report I do not deserve this bad mark on my credit.
Product: Vehicle loan or lease

I dispute the validity of all claims regarding the account on my credit report CONCORDE AUTO MGMT SER XXXX. According to TX law and UCC 9.506, no deficiency can be claimed unless all required notices were provided and redemption or cure periods honored. 

The following was never provided to validate and prove that the repossession followed UCC regulations : 9-506 : Effect of Errors or Omissions 9-611 : Notification Before Disposition of Collateral 9-612 : Timeliness of Notification 9-613 : Contents of Notification Provide copies of all notices and evidence that the resale was conducted in a commercially reasonable manner. 

If documentation is not provided within 15 days, the deficiency claim will be deemed null and void, and continued reporting or collection will constitute violations of the FDCPA and FCRA. I demand the immediate removal of this account from my credit report. 

Furthermore, this account was charged off but later settled, and I have yet to receive the required 1099-C form. Failure to provide this form constitutes tax fraud, as required by the IRS for debt forgiveness reporting. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), you are obligated to ensure that all information reported is 100 % accurate. Since this account does not meet that standard, I am demanding its immediate removal from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent all three credit bureaus XXXX, Equifax, and XXXX letters requesting verification to five accounts for late payments showing on my credit report and asked them to have my address updated. I have yet to receive anything from the bureaus, verifying these late payments or showing that my address has been updated to reflect accordingly. It has been well over 30 days and I have not yet received any notification. I have attached the letters and details.