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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to review my complaint. In XX/XX/2016 I was granted a car loan with assistance from my mother. With my mother as co-signer, the vehicle had high payment with a high-interest rate. Understanding the laws of unfair sales practices, a co-signer shouldn't be a liability. When there's a transfer of risk, according to laws, being placed in a financial burden is illegal. Being young at the time, the first vehicle, payments were made according to term agreement. Within the second year of the contract, the vehicle experienced a major decline with issues. Vehicle costs increased within the second year of the contract. Unable to maintain both costs of maintaining the vehicle ; our decision was to return the risk which was placed with us.
Product: Credit card or prepaid card

I am reaching out for assistance with CapitalOne Bank. I called the company in good faith in hopes of making a payment towards the cards I have with them however I asked them to help me in eliminating the lates fees and reducing the high interest that the card has as a result of the current global pandemic. 

Due to the pandemic, I experienced a significant reduction of hours, have yet to be paid by the NYSDOL, and became sick for a period of 17 days with XXXX in which I was not able to work. I explained this to the agents I spoke with, instead they pushed and pushed on getting a payment as opposed to working with me. I reached out to their Executive Offices for assistance and have yet to hear back. And instead of working with me and responding to my inquiries, the bank went ahead and charged off the account damaging my credit. 

We are experiencing a global pandemic and instead of focusing on assisting customers who are sick, some of which are XXXX, the bank is focused on its bottom line.
Product: Mortgage

a couple of years ago i wrote to you about triad on financing my mobile home.some of the problems were my daughter was on it and she was on XXXX so i had to refinance to get her name off or XXXX would take it. Well they refinance but they also raised the payments, dont have a title and i was going to have my bank do it and they wont without having a title. also i asked them for insurance through them their sight says they sell it and you got to have it. i caint get it they wont sell to me and i caint purchase anny because i dont have a title. the home is a XXXX they have XXXX someplace i asked them whyi paid title ins. they gave no answer
Product: Debt collection

Today i received court documents with a court date for midland credit management, inc ... i was never notified that they were even filing a lawsuit ... i was never even offered the option to set up a payment plan to resolve the issue
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report XXXX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with INFORMATIVE RESEARCH, INQUIRY DATES : XX/XX/XXXX. I have also reached out asking that they remove the inquiry from my credit profile.
Product: Debt collection

XXXX XXXX XXXX called me today XX/XX/2018 about XXXX XXXX and a guy named XXXX XXXX claimed I owed on two payday loans from the past. I told him I do NOT have any pay day loans out from the past, and that the one I do have out is current and I am paying on it. With his bad attitude, yelling in my ear and being rude and demanding, I accused the company of being fake and scamming me, telling him again I do not owe the depts. He got angry and told me it is a crime to not pay loans and scamming payday companies, or something to the affect. He said I was going to be taken to court for these depts. I then spoke to another woman who was very nice and tried confirming my information - SS number, bank, etc. but I refused to give that information up. I was told I owe two loan companies. One being Insight Capital WHICH I HAVE NEVER HEARD OF - in the amount of {$2600.00} or so, PLUS {$1000.00} fees for something else. I laughed and told her they weren't getting a dime because I don't owe anything like that. She switched me to the fraud department and I spoke to a man named XXXX XXXX who was nice until I told him I am contacting a lawyer and was not paying this dept. He started telling me they were taking me to court, going to garnish my wages and he started yelling at me. I just told him to " GO FOR IT '', and he hung up. 
I was asked if I had a lawyer or not. 
PLEASE PLEASE report this company and let me know if they are legit or not. I believe it is a scam and as I said, DO NOT owe any of these depts or loans. 

They are very rude, and nasty - and if they don't get what they want - they scream and get angry, VERY UNPROFESSIONAL. Please investigate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss loss, and I seek appropriate redress for these violations.
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.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) 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 fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Product: Credit card

My credit card expired XXXXthe wells Fargo mail a new card to me.unfortunately I didnt receive new card.the card was lost or stolen.two weeks later I received an alert from bank .some one use the card purchased at XXXX XXXX amount $ XXXX.I reported Wells Fargo request stop and cancel this card as soon as possible.unfortunately the company deny my dispute.the company told me this card shopping at XXXX XXXX.so they think I should pay.the question is I never received new card.would you please help me with this issue.thank you
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information THE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Once again Im not liable for this debt that you say I owe, You have not showed a direct contract with the financial intitution that says you are authorized to collect for them you are just showing that you bought a debt this does not makes me liable to a third party company this is not a contract. This was a charged off account and is considered income and income can not be reported in a credit report because it turned to a certificate of indebtness. So let me know if they comitted securities fraud or you are violating my rights under 15 usc 1681b because i have never authorized you to furnish your tradeline to my credit report also you dont meet any circumstances to furnish information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from a local car dealer in XX/XX/XXXX. I immediately had issues with this vehicle and worked with the dealer to remedy the malfunctions. I purchased a warranty that I had a number of issues trying to use. The transmission went out in the vehicle and I was unable to get the repairs made from the dealer nor by using the warranty I purchased. This created major problems for me financially and emotionally. The vehicle was repossessed in XX/XX/XXXX and no payments were made after the vehicle malfunctions. This item is being reported on my credit report as a charge off transaction as of XX/XX/XXXX, this information is inaccurate, the vehicle was charged off 1 year prior in XX/XX/XXXX after the repossession. I have tried to provide documentation to support my position in the dispute process but the credit reporting agency nor the creditor has produced documents to show that this debt is not over the 7 year statue of limitations. I am formalizing this complaint on the basis that the debt is well over 7 years old and should not appear on my credit report. 

I contacted the credit bureau in XX/XX/XXXX, XX/XX/XXXX, and most recently today using the online tools they provide. I have also written letters to the company disputing the timeliness of the reporting to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I called Capital One and notified the representative that my credit card isnt reflecting with none of the credit beaurus. He advised I needed to write a letter to Capital Ine and mail it in for investigation. Why should I have to do this and still make payments to a card thats not even reflecting my credit. I have owned this card for 10 years and never had an issue with making payments and my credit report updating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally I have requested free annual credit reports from Equifax, XXXX and XXXX on XX/XX/20. I have received credit reports from XXXX and XXXX but not from Equifax. I called Equifax on XX/XX/20 and was advised to send copy of my drivers license and social security card. 

I have sent them copy of my drivers license and social security card and utility bill on XX/XX/20. But did not receive free annual credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay ran a hard inquiry without my consent. I requested a credit increase and was told there would be a " soft '' inquiry, which is far less detrimental to my credit score and report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against CITI for inaccurate credit reporting, violations of the Fair Credit Reporting Act ( FCRA ), and fraudulent practices that have caused me statutory damages. 
My credit report shows an account with CITI as " charged off ''. However, I have not received a Form 1099-C from the creditor, which is required by the IRS when a debt is forgiven or canceled. This inconsistency raises serious concerns about the accuracy of the information being reported and the creditor 's practices.

Under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies have a duty to provide accurate information. The discrepancy between the " charged off '' status and the lack of a 1099-C form suggests a violation of this provision.

Furthermore, 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation of disputed information. I believe CITI, XXXX AND XXXX has failed to properly investigate and correct this inaccuracy, despite my attempts to resolve the issue directly with them. 
Additionally, this account is not being reported consistently to all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). This inconsistent reporting further violates the FCRA 's requirement for accurate and complete information, as stipulated in 15 U.S.C. 1681e ( b ).

I am concerned that this situation constitutes fraud and extortion. By reporting the debt as " charged off '' without issuing a 1099-C, the creditor may be attempting to collect on a debt that has been forgiven for tax purposes, while simultaneously damaging my credit. This practice could be seen as an unfair or deceptive act under 15 U.S.C. 45 ( a ).

The inaccurate reporting has caused me significant harm, including statutory damages as defined under the FCRA. According to 15 U.S.C. 1681n, I may be entitled to actual damages, punitive damages, and reasonable attorney 's fees for willful noncompliance with the FCRA.

I request that the CFPB investigate this matter and requireCITI to : Provide documentation supporting the " charged off '' status Issue a Form 1099-C if the debt has indeed been forgiven Correct any inaccurate information on my credit report Ensure consistent reporting across all three major credit reporting agencies Cease any attempts to collect on this debt if it has been forgiven Compensate me for the statutory damages incurred due to their inaccurate reporting The failure of CITI to address these concerns has caused significant damage to my credit and financial well-being. Their actions appear to be part of a pattern of behavior that the CFPB should investigate, as credit reporting issues continue to be the most common complaint received by your XXXX. 
Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with federal law, protects consumers from such practices, and provides appropriate compensation for the damages I have suffered.
Product: Prepaid card

On XX/XX/year> I purchased three Visa gift cards in the amount of {$100.00} each. Shortly after receiving her gift card, one of my recipients told me her card had no value. She gave me the card, I checked the transaction history online, and saw it had been used fraudulently, before I had even given her the card. 

I filed a dispute online, received email confirmation, received subsequent request for more information, and submitted that. All this communication is documented in the attached XXXX. 

After waiting more than 90 days to receive a replacement card, I began calling the XXXX number on the back of the card. Each time I reached a person they told me my case had been elevated to another department and that I would receive a follow up email message within 48 hours. I've had that same conversation four times in the last 30 days. I've never received an email as promised. I am still waiting for the replacement card. 

Separately, one of my other recipients also told me his card had no value. When I tried to submit a dispute for the fraudulent transaction on his card, I learned the window for submitting disputes had closed. This window of time is only two months, which is ridiculous in my opinion. So I am out that {$100.00} for sure.
Product: Credit reporting or other personal consumer reports

Per CFPB Complaint # XXXX Penfed # XXXX Credit Card XX/XX/year> I never authorize this credit card to be closed at all. I called several times to unlock the card for an authorized charge, and no one could assist with my request. 

Per the Company Response : responded STATUS Company responded on XX/XX/year> RESPONSE TYPE Closed with non-monetary relief Dear XXXX XXXX, This letter is in response to your complaint filed with the Consumer Financial Protection Bureau ( CFPB ). It was forwarded to Pentagon Federal Credit Union ( XXXX ) on XX/XX/year>. We will provide a copy of this response to the CFPB. I appreciate the opportunity to address your concerns regarding your PenFed Power Cash Rewards credit card. On XX/XX/year>, and XX/XX/year>, we mailed you notices letting you know that your account would be closed due to inactivity on XX/XX/year>. Per your request, we reopened your account on XX/XX/year>, and ordered new cards for all cardholders on your account. I hope our actions have resolved your concerns. Thank you for being a valued XXXX member. Sincerely, XXXX XXXX Senior Vice President Payment Product Operations
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2017 Amount : {$38000.00} Action Taken : For the 4th time, I asked for a description of proper reinvestigation of the procedure used to determine the accuracy and completeness of the information.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX XX/XX/2021 Date Opened I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1

5 USC 1681.

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 inductions 15 U.S.C 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

I tried to get mortgage to purchase a house in Florida. DHI Mortgage ( lender  ) in collusion with D.R. Horton ( seller/builder ) engaged in a bait and switch scheme on interest rates, as well as to manipulate the mortgage application process to support D.R. Horton 's position to give DR Horton an unfair advantage on issues re.the contract/ Agreement executed XXXXXXXX. Both entities conspired to offer a low rate at the beginning, which I accepted and applied for the mortgage to DHI Mortgage ; then they began steering and forcing me to accept a higher interest rate/higher-cost mortgage using ploys, pretexts and threat from the selling agent. When I did not accept the higher rate, DHI Mortgage issues an " Application denied '' statement on XX/XX/22, notwithstanding my credit score over 800 points ( XXXX ) and excellent credit history. which the seller  ( DR Horton ) used to keep my XXXX XXXX ( XXXX XXXX ) as ofXXXX 
DHI Mortgage engaged in unfair, deceptive and unethical lending practices and together with D.R. Horton ( seller  ) engaged in overt and covert discrimination acts against me because of my race, color and age ( XXXX male ). Their employees/gents made prejudicial statements as well as imposed unusual and requirements on me to get a mortgage.
Product: Checking or savings account

Synchrony Bank has restricted my newly opened savings account without warning or explanation. I do not have access to deposited funds. I can not spend or withdraw the money in my savings account. The account has been restricted without explanation to me. I am being told by Synchrony bank customer service that my money will not be available for 30-90 days because my account is under review and can not tell me why.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to lack of customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss which is not fair to me, and I seek appropriate redress for these violations.