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

I am writing to formally lodge a complaint regarding the numerous unsuccessful attempts I have made to rectify late open accounts associated with my financial profile, as well as the prompt removal of a public record from my credit report. The persistence of these issues is causing significant distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The late open accounts and the presence of a public record on my credit report are adversely impacting my creditworthiness and overall financial stability. Despite my repeated attempts to address these inaccuracies, they continue to linger on my financial records, hampering my ability to secure loans, credit, and favorable interest rates. 

I initially brought these matters to your institution 's attention and since then, I have made numerous diligent attempts to have them corrected. However, my efforts have been met with repeated denials and delays, exacerbating the negative impact on my financial well-being. 

I urgently request that your institution takes immediate and effective action to rectify these issues. Firstly, I expect a swift review and correction of the late open accounts associated with my financial profile. These inaccuracies must be promptly removed from my financial records to ensure the accuracy of my credit report and restore my creditworthiness. 

Additionally, I request the prompt removal of the public record from my credit report. This item is inaccurate and unfairly tarnishes my credit history, and its removal is essential to mitigate its adverse effects on my financial standing. 

I understand the importance of accurate and up-to-date credit reporting, and I trust that your institution values its customers ' financial well-being. Therefore, I urge you to prioritize the resolution of these issues and to take proactive measures to prevent similar inaccuracies from occurring in the future. 

Please maintain open and transparent communication with me throughout the resolution process and provide regular updates on the status of my disputes. With this, I am asking for your assistance to remove or correct these items in my credit file : XXXX. XXXX XXXX XXXX Balance Owed : {$1000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX  XXXX XXXX Balance Owed : {$2100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX. XXXX XXXX Bankruptcy Reference # : XXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax XXXX XXXX the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$96.00}
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXXXX/XX/XXXX 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 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: Credit reporting

now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file XXXX10 years. did I ask how long it stays on? No I did n't. I have already complained to the XXXX for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

Experian reinsertion : XXXX XXXX
Product: Credit card or prepaid card

Initial event was on XXXX/XXXX/2021 Last week I attempted to purchase a XXXX bundle from Belk. I added it to my cart and was presented with an ad that I could save {$120.00} on THIS ORDER if I applied for a Belk Credit Card. Sweet! A discount on the impossible to find XXXX?! I applied. Was approved. I was given a discount code to get the {$120.00} off. Coupon not allowed on this item. So to recap, Belk falsely advertised a discount on THIS ORDER for applying for a credit card. Now I have a Belk card for no reason at all. Oh and after applying for the card and attempting to use the discount card the XXXX was then sold out. 

I reached out to Belk through their website contact form and they replied to my complaint with a bot message that the XXXX was only available for certain customers. I replied that I wanted a human to contact me about how they are going to prevent future customers from being CONNED into applying for their credit card. The bot replied with the same XXXX only available for certain customers. 

On XXXX/XXXX/2021, after not receiving a response from a human, I reached out to Belk through XXXX direct messaging : Again, my issue is NOT that I didnt get the XXXX. Its the fact that your website advertised a coupon for THIS ORDER / item if I applied for a credit card ( which is a big, long term commitment ) and only after the fact was it revealed that the item previously listed as eligible for a discounted was in fact NOT eligible for the new credit card coupon. Now I have a credit card that was opened under false promises. Its shameful that you advertisement algorithms allowed this to happen. 

Their response : We understand the frustration this matter has caused. Unfortunately, coupons are not able to be applied to the XXXX. Belk offers the XXXX in a bundle deal on a sales price as is. The offer was for our XXXX and XXXX credit card holders. In order to gain these credit card status, you are required to spend $ XXXX {$1500.00} a year. We have attached the link below linked to credit card benefits and information. 
Please let us know if we can further assist you. We apologize for the inconvenience. 

My response : No one has admitted that this was a mistake on Belks part and will have it fixed for future customers. I dont feel like you are grasping the gravity of the situation. Im not complaining that I attempted to use a coupon code and it wasnt accepted. @ belk is running an ad that REQUIRES SIGNING UP FOR THEIR CREDIT CARD to receive this promised discount. Then the promised discount isnt valid AFTER signing up for the credit card. Again, not just a copy / pasted coupon that isnt accepted. CONSUMERS ARE BEING CONNED INTO SIGNING UP FOR YOUR CREDIT CARD. So if said item is excluded from all discounts, why is your advertisement at checkout showing up for said item? 

No response from Belk on how they will change their advertising going forward.
Product: Credit card

XX/XX/XXXX Contacted Capital One to verify the additional credit card account I discovered when reviewing my credit report. They were unable to see it under my account as I ( to my knowledge ) only have two credit card accounts with them. 
XX/XX/XXXX I contacted XXXX to verify if the additional account was visible on my report. It was not. 
XX/XX/XXXX Contacted XXXX to verify the additional credit card account on my credit report and was able to verify that an account had been opened on my behalf and shows an account that went delinquent as of XX/XX/XXXX XX/XX/XXXX In pursuit of wanting to report an extended fraud alert through Capital One, I was directed that until I have either filed a police report or have legit documentation for proof of stolen identity/fraud, I am unable to submit an official report to get that process started. 


Under XXXX credit report, I was able to confirm a third credit card account that has a credit limit of {$2500.00} that was opened XX/XX/XXXX when I was XXXX that I had no knowledge of. Payments on that account have been consistently paid up until XX/XX/XXXX. The account now has missed payments and an outstanding balance of {$2900.00}. This has affected my credit score and is devastating to find out.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I had an account car loan with Westlake financial. I paid off the vehicle in full and made my last payment but apparently there were fees attached that I was unaware of. Years went by without them contacting me. When I tried to sell the vehicle, I was informed that there was a lien on the title. I paid the fees but now its showing that I have a repo on my credit report which is not true at all. I am having a hard time purchasing a vehicle because of this false negativity on my credit report, and I need it removed. Please help.
Product: Debt collection

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX  Last reported : XX/XX/XXXX {$270.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$270.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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 proce 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, and I seek appropriate redress for the situation.
Product: Credit card

Bank increased my interest rate far beyond my ability to pay despite a spotless credit history. Though I do not know the legal definitions of USURY and I must assume that the bank is operating within the confines of the law, the spirit of the law has been clearly broken since the practice is purely predatory and without provocation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The Chase card account number XXXX and a XXXX card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, XXXX has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.
Product: Student loan

Background : My original loan of approximately {$35000.00} began in XXXX and has now grown to {$230000.00}. Throughout the life of this loan, I have never received any other financial aid and have never been in default. I entered XXXX in XXXX and have never missed a payment since entering XXXX, except during the XXXX pause. 

Loan Issue : In XXXX, I was advised to consolidate my loans to bring me closer to forgiveness, as more months would qualify. Consequently, I consolidated my loans, but at that time, payment counts were not available for me to verify which payments qualified. 
Prior to consolidation, I attended graduate school at XXXXXXXX XXXX from XX/XX/XXXX - XX/XX/XXXX and was placed in an in-school deferment without my knowledge or consent. I did not receive any financial aid during this time. Additionally, I have been informed that I was in school from XX/XX/XXXX - XX/XX/XXXX ; however, I am unaware of which school this refers to. I am unable to reach out to this institution that is being referenced as to why I was put in deferment. 
I have been employed full-time with a XXXX XXXX since XXXX and have made XXXX qualifying payments under an eligible repayment plan. 
Mohela provided me with an in-school deferment waiver, which I signed and returned. It was approved to waive my in-school deferment. Before the pause, I spoke with multiple representatives who assured me that I was good to retire, as I had planned to do that summer, and that my payment counts would update over the summer, reflecting that I had met the XXXX requirement for XXXX forgiveness. After the pause, my loans transferred to XXXX XXXX and are no longer with Mohela. XXXX says they can not help me because this happened prior to them being my servicer. 
I retired on XX/XX/XXXX under the belief that I had the qualifying XXXX payments, as I was repeatedly assured by Mohela. However, after the payment count update, my in-school deferment periods prior to consolidation were still not included. I was informed that this was due to those periods occurring before my consolidation. This was contrary to the information I had received from Mohela. Had I been provided with accurate information, I could have delayed my retirement and continuing working for my qualified employer until my loans were forgiven. 
I am now XXXX XXXX XXXX and facing the reality of carrying this loan for the remainder of my life, or come out retirement due to misinformation. I was not required to consolidate my loans, and Mohela 's misleading guidance led me to make a decision that has negatively impacted my financial future.
Product: Mortgage

Since 2009 I have been trying to work with countrywide for a fixed affordable mortgage. During negotiations, countrywide sold to Bank of America without fixing or modifying my mortgage. I proceeded with Bank of America to get a fixed affordable rate. 
The same employee I spoke to for my modification is from countrywide, now a XXXX  representative. Things are worse for me because the pandemic and The employee made it clear because of the pandemic its impossible to refinance and they will not help/negotiate anything and so now were in forbearance. Meanwhile adding more money to the end of the mortgage so they can add more interest on forbearance. The mortgage started at {$180000.00} and will now be {$270000.00} and climbing so all they have done to help us raise my principal {$90000.00}. I am looking for any help I can get or a referral. 
NOTE : The original mortgage terms was {$50000.00} at 12 % plus {$180000.00} with fluctuating mortgage rate. I was able to pay off the {$50000.00} while struggling with the other. 
As a first time home buyer I didnt know what I was getting into. All Im hoping is to have a fixed mortgage at a fair interest that is affordable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed two items on my credit report as they did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. On XX/XX/XXXX I received notice from Cavalry Portfolio Services LLC regarding both disputed accounts confirming they were reporting correct information and attached a monthly billing statement for the account from XXXX. This does not resolve the matter nor does it comply with my request for validation. Furthermore the items remain on my credit still reporting negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not reportable as per the FCRA, since they are inaccurate. 
I also requesting to remove negative accounts from credit reports which never belong to me. 
XXXX  XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/XXXX
Product: Debt collection

This debt is not mine. I have a son with a similar name thatwent to this XXXX, I have never gone to this dentist. I am a XXXX year old man the patient is XXXX, I dont live with him, have a different address etc ... 
Why am I responsible for his medical bill