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

Arvest bank charge off for 2 accounts XXXX of 2023, A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. As law 15 USC 1681b states credit agencies must have written instructions from myself giving permission to allow reports to go on my report, therefore was not permitted by me, I ask that this company verify and written permission stating of my permission. As law 18 USC 1028A Arvest bank and any other report has used my personal information without lawful authorization.
Product: Debt collection

I RECEIVED AN EMAIL ALERT ON XX/XX/2017 VIA XXXX INDICATING I HAD A CHANGE WITH MY DEBT. I LOGGED ONTO XXXX SITE AND NOTICED THAT STELLA RECOVERY REPORTED THAT I OWED {$1400.00}. I HAVE NEVER HEARD OF THIS COMPANY AND I HAVE NEVER RECEIVED ANY CORRESPONDENCE FROM THEM REGARDING THIS DEBT, YET THEY REPORTED THIS TO XXXX.
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : Accounts that need to be removed XXXX. XXXX XXXX XXXX XXXX  {$1600.00} XXXX. XXXX XXXX XXXX XXXX {$2200.00} - XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block .inc ) due to inadequate customer service and unfair practices, which violates 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 a XXXX % as unfair and deceptive, as XXXX 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, and I seek appropriate redress for these violations.
Product: Debt collection

I got notice from XXXX that there is a collection on my report I logged in and there is a company called Aargon agency they put me i collections for {$1200.00} I have not been notified regarding this debt and was not given the chance to investigate where it came from and I was not given the chance to discuss it
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date - XX/XX/year>. Since then, the account has repeatedly been updated as paid/late every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

I spoke with an employee of XXXX XXXX XXXX XXXX XXXX on XX/XX/20, where we agreed to settle the account with Discover Bank for {$150.00}. The original balance was {$210.00}. I received a confirmation letter of the agreement and the rep took my payment. He then provided a confirmation number. Then on XX/XX/20, I received a letter from XXXX XXXX XXXX stating that Discover Bank referred my account ti them with the past due amount of {$52.00}. 
On XX/XX/20, I sent a certified response letter via USPS to XXXX XXXX XXXX. I never received a reply from them. So, I called them and was told by two lady representatives the matter would be resolved. On XX/XX/20 I received yet another letter stating I owe {$52.00}. I have now sent an email of all of this information to XXXX but this has now passed the 30 days they had to respond to my initial letter.
Product: Checking or savings account

I SUBMITTED TO THE BANK THE SILVER SURETY SIGNED BY THE TRIBAL MEMBERS FOR THE CORECTION OF ANY ERRORS ON THIS ACCOUNT. THEY REICEVED THE XXXX # ISSUED BY THE TREASURY FOR THE PASSTHROUGH ACCOUT TO BE ESTABLISHED. THEY REFUESED TO APPLY IT TO THE ACCOUT. 

THE SILVER SURETY CLEARLY STATES THAT I AM A MEMBER OF THE TRIBE AND OUR CURRENCY IS SILVER. THE BANK HAS REFUSED TO OFFER THE CURRENCY OF THE LAND WHICH IS XXXX.
Product: Credit card or prepaid card

I've been repeatedly rejected for a Discover credit card due to the stated reason of the number of inquiries. I only have six inquiries on XXXX, which is the credit reporting agency they used. Six isn't very many, especially considering that I was shopping around for a car loan. 

XXXX XXXX said I have excellent credit, a XXXX balance on my credit cards, and an excellent chance of approval. I spoke with a manager who said I needed fewer inquiries, but they couldn't say how many fewer. If I'm aiming for a particular number of inquiries, it seems fair to at least let me know how few I need.
Product: Vehicle loan or lease

On Wednesday XX/XX/2017 I went to test drive a vehicle at XXXX XXXX in XXXX, IL. Upon checking my XXXX today I noticed XXXX hard inquiries for the date listed above. However, I never personally applied for credit with these creditors listed : Td Auto Fina, XXXX XXXX I, XXXX XXXX, XXXX  XXXX, and XXXX XXXX.
Product: Mortgage

In 2013 I notified our mortgage company of senior exemption status meaning the mortgage company should cease property tax withholding. Since that date I have contacted our mortgage company many time with no results. I have sent the letter of exemption many times with no results. I am unable to resolve this issue with the mortgage company and therefore the situation has resulted to this complaint.
Product: Credit reporting or other personal consumer reports

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

I have no knowledge nor gave anyone permission at any of these companies to pull or place anything on my consumer reports.
Product: Credit card or prepaid card

They denied both of my disputes but had the nerves to credit me for one unauthorized charge from Delta sonic in the amount of {$25.00} ... .and then emailed me to tell me they are going to look further into the investigation and it could take up to 45 days I also have to send them the declaration of fraud form within 10 days ... ...
Product: Credit reporting

please find attached my dispute letters which i have also submitted to bureaus several times, XXXX accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
thank you
Product: Debt collection

I've repeatedly asked L.J. Ross to verify this account with ME, the consumer. It appears on my credit report, therefor, I have the right to know who L.J. Ross is. They have sent me nothing in the mail, they have continued to report the account, and they've even sent written verification to the Credit Bureaus, bit nothing, NOTHING to me! This is INSANE! 


PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

When looking up my credit scores online, my Equifax report states " unscorable '' with the absence of the majority of my credit report information ( accounts, Inquiries, etc ).
Product: Vehicle loan or lease

To whom this XXXX concern, This is my second complaint. The company Westlake financial portfolio management did respond to the initial complaint. The resolution as of XX/XX/23 was to have my vehicle returned but they had already auctioned my vehicle. Then they changed the contract terms. I did not agree to a 12 year term at {$250.00}. Ive never spoken to them on that matter. I am out of a car and money invested into it. They also filed repossession then changed the coding to charge off. And the debt they claim is owed wasnt sold off to a third party collection. Its charged off and still attached to them. I still dont have any updated info of next steps to closing this account. The company failed to follow through with remittance of property and the car is still registered under my name.
Product: Student loan

Beginning in XXXX of XXXX, I attempted to apply for the XXXX program by submitting materials to servicer, XXXX. XXXX submitted application materials to loan guarantor PHEAA, who rejected application for lack of materials ( teaching credentials, letter from principal ), though these materials had previously been submitted. Same materials resubmitted multiple times by XXXX to guarantor and each time it was rejected ; the reason given : guarantor required those same ( previously submitted ) materials. On XXXX/XXXX/XXXX guarantor told me they had received no materials from XXXX and that I was not to contact guarantor. They also said I could fax materials directly, but nothing would be done if not sent by servicer, thereby rendering action pointless. They referred me back to XXXX. XXXX then placed XXXX call to PHEAA who admitted receiving materials in XXXX while also admitting to rejecting the application for lack of same materials. Call transferred to new rep who then refused to speak further when informed call was being recorded by XXXX. No resolution offered. XXXX rep offered no other recourse. In same day, Guarantor refused to speak with me, said they would only deal with XXXX, referred me back to XXXX, and then refused to speak with XXXX because of their policy of recording phone calls, leaving me with no further recourse.
Product: Debt collection

I was XXXX XXXX in another state I received care during my whole XXXX at multi health care clinic I was unaware they charged me for each visit due to me having insurance with XXXX XXXX in another state I was sent a letter to pay a medical bill from ameri collect to pay the debt and I never shared my information with them so I feel my rights have been violated according to the hippa law A " designated record set '' is defined at 45 CFR 164.501 as a group of records maintained by or for a covered entity that comprises the : Medical records and billing records about individuals maintained by or for a covered health care provider ; Enrollment, payment, claims adjudication, and case or medical management record systems maintained by or for a health plan ; or Other records that are used, in whole or in part, by or for the covered entity to make decisions about individuals. This last category includes records that are used to make decisions about any individuals, whether or not the records have been used to make a decision about the particular individual requesting access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX, SS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX has been on my account since XX/XX/XXXX with false amounts of {$2400.00}, {$2700.00}, {$1300.00}. Us Dept of Education been on my account since XX/XX/XXXX with false amount 's of {$1300.00} on my report two times XXXX XXXX XXXX XXXX has been on my report since XXXX/XXXX/XXXX false amounts of {$7000.00} i never in my life made any payments on these loans, they were supposed to remove off my report and have not removed .They have multiple accounts on my report and have not removed any accounts have ignored my request, i want the accounts removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
EXPERIAN : XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$1700.00} XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$980.00} XXXX XXXX XXXX XXXX XXXXXXXX Date opened : Balance {$1400.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1300.00} XXXX : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1300.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$980.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1400.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased two round-trip flights to and from XXXX from XXXX using my Barclays credit card. 1 flight was charged under XXXX   XXXX and the other charged under XXXX XXXX. 

XXXX cancelled all international flights starting on XX/XX/XXXX ( XXXX XXXX  XXXX ). XXXX cancelled my flights as they were both international traveling to and from XXXX via XXXX XXXX, NV where I reside. My departing flight from XXXX XXXX was originally scheduled to be on XX/XX/XXXX and my returning flight to XXXX XXXX from XXXX was originally scheduled to be on XX/XX/XXXX. 

When I logged in to view my flight status the day of my departing flight on XX/XX/XXXX, my departing flight number XXXX was shown as missing ( see attached document " XXXXFlightDoesn'tExist '' ). Please see the attached document " XXXX '' that shows my flight numbers. I also attached the document " XXXX '' that says they cancelled international flights starting on XX/XX/XXXX. This was viewed on their website the day of XX/XX/XXXX. 

XXXX cancelled my flights. XXXX did not give me a voucher or any form of compensation. Regardless, I did not wish to reschedule or otherwise make new plans for traveling. XXXX 's customer service phone lines were disconnected when I tried to reach them. I sent two emails to XXXX 's customer service requesting a refund for my flights that they cancelled. They never responded. 

I then disputed the two charges for my flights with Barclays. While Barclays credited me for 1 of the 2 flights, Barclays sided with XXXX for the second flight and did not give me my money back for the second flight. The disputed charge ( XXXX   XXXX ) for {$300.00} was reposted to my account. This is not right because the merchant, XXXX, cancelled the service I paid for and thus I did not receive the service. According to VISA guidelines regarding disputes, " Merchants are ultimately responsible for issuing a refund to the cardholder when the merchant has cancelled the service. " ( XXXX XXXX XXXX  ) The U.S. Department of Transportation also states " A passenger is entitled to a refund if the airline cancelled a flight, regardless of the reason, and the passenger chooses not to travel. '' ( XXXX XXXX XXXX ) I want to reiterate that the merchant, XXXX, cancelled my flights. I did not voluntarily cancel my flights. I filed a reassertion for the disputed charge that was not credited back to me in XX/XX/XXXX via email ( see attached " Reassertion on Disputed Charge '' ) and by postal mail. On XX/XX/XXXX, XXXX indicated they are still on the side of XXXX and refused to credit me the {$300.00} charge. 

It is unfair that I paid {$300.00} for a flight that was not provided and Barclays seems to think this is appropriate by siding with the merchant despite DOT and VISA guidelines indicating I am entitled to a refund if the merchant cancels and does not provide the service.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have requested a PMI cancellation and paid for the appraisal that was ordered by Mortgage company. I have received the appraisal report that was ordered by the company and found out that it is incorrect. The gross living space ( Sq ft ) of the house is incorrect and also the comparison done against the other house is completely wrong as they are not the identical to each other in sq ft or the taxes paid. Since the compared list is wrong the value of my house was incorrectly provided as $ XXXX. I have a neighbor whose house is exactly the same as mine with exact sq ft and an appraisal that was done on it turned out to be {$390000.00}. This house is exactly opposite of my house. 
Additionally, Some recently sold Comparable Houses within the same community would be with same sq ft and tax assessed value : Sold XX/XX/XXXX for {$390000.00} Sold XX/XX/XXXX for {$390000.00} Sold XX/XX/XXXX for {$380000.00} Sold XX/XX/XXXX for {$390000.00} But non of these were considered for comparison and instead were compared to the house sold in the same community with lower sq ft. 

I think the appraisal done on my house is inaccurate and the company that was chosen to do this was incompetent to do the job. I have done several additional upgrades to the house which did not factor into as well. 

I have provided all of the information and reached out to the mortgage company on this so that they can reach out to the appraisal company and try to have it corrected. But instead took a months time to review and tell me that tax valuation is considered that government does is less reliable and the formal valuation which was done incorrectly was correct and no action would be taken even after providing proofs and copy of other neighbor appraisal copy which is identical. 

Instead they are not taking no action or attempts to understand and resolve the issue.
Product: Credit reporting or other personal consumer reports

I filed a complaint EQUIFAX on XX/XX/year> and they responded on XXXX XXXXXXXX XXXX  by stating their results and saying that they had sent me a copy of the corrected results ... .Once again, EQUIFAX has lied as today is XX/XX/year>, almost XXXX weeks later, and EQUIFAX HAS NEVER MAILED ME A COPY OF MY CORRECTED CREDIT REPORT. Why does the CFPB allow EQUIFAX to continually get away with being the most corrupt and dishonest reporting agency that there is?