23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE FOR INACCURATE OR INCORRECT ITEMS REPORTING ON MY CREDIT FILE. THIS IS NOT A DISPUTE. DO NOT START AN INVESTIGATION. In response to CFPB complaint number XXXX : Equifax responded to my CFPB complaint by stating In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the reporting company was completed and results were mailed to you. In my complaint I clearly stated in caps I was not requesting an investigation. Neither am I requesting documents from an investigation. I stated the charge off accounts by law are not to report on my consumer report only on a consumer file pursuant to 15 USC 1681c ( c ) / PUBLIC LAW XXXX. XXXX, 1996 XXXX STAT. XXXX. Please find the Public Law and United States Code attached below both of which are made public for anyone to research. For charge offs and collections the 7 year reporting period only applies to items in a consumer 's file not a consumer report. A consumer reporting agency may not make any consumer report containing accounts placed for collection or charged to profit and loss pursuant to 15 USC 1681c. I am requesting that Equifax follow Federal Law by removing the following charge offs from my consumer report : XXXX XXXX XXXX XXXX - Account # XXXX - Charge Off, XXXX XXXX XXXX XXXX Account # XXXX - Charge Off, XXXX XXXX XXXX XXXX - Account # XXXX - Charge Off. Once this lawful request is complete, send me a copy of my consumer report not my consumer file. Please note a consumer report serves as a written, oral or other communication in establishing a consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, and employment purposes. A consumer 's file is all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. They are not the same and I am requesting my consumer report once this request is complete.
Product: Checking or savings account

Complaint Regarding Non-Receipt of Compensation from Wells Fargo XX/XX/year> Settlement Dear CFPB, I am writing to file a complaint against Wells Fargo Bank regarding their failure to provide compensation under the XX/XX/scrub>XXXX XXXX  settlement with the CFPB. I believe I was directly impacted by the unlawful practices covered in the settlement during the time I held checking and savings accounts with Wells Fargo. 

I held checking and savings accounts with Wells Fargo that were ultimately closed due to the issues outlined in this settlement, including unauthorized fees and misapplied payments. Despite these challenges, I have been a loyal Wells Fargo credit card customer for years, maintaining a positive relationship in that capacity. 

I have made multiple attempts to address this matter with Wells Fargo, but they have not provided a satisfactory resolution or reviewed my closed accounts for eligibility under the settlement. 

The mishandling of my accounts and the lack of restitution have caused significant financial hardship, including financial instability, additional expenses, credit challenges etc. This has created a domino effect that has negatively affected my financial well-being. 

I am requesting the CFPBs assistance in : 1. Compelling Wells Fargo to review my closed checking and savings accounts to determine my eligibility for compensation under the settlement. 
2. Ensuring I am fairly compensated for the financial hardship caused by these practices.

3. Addressing Wells Fargos lack of cooperation in resolving this matter. 

Additionally, I want to emphasize that I value my relationship with Wells Fargo as a credit card customer and would like to remain a customer. However, my willingness to open new accounts with Wells Fargo in the future depends on their acknowledgment of these issues and agreement to fairly compensate me for the hardships caused. 


Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX I believe... not sure, my original Cash App Account was used by someone other than me to withdrawal {$300.00} from MY account. I DID NOT DO IT. I DON'T SHARE MY CARD OR ACCOUNT WITH ANYONE. 
CASH APP says that they investigated and found me to be liable. 
I DID NOT DO IT. THEY SAID MY CARD WAS USED. THE CARD NEVER LEFT MY POSSESSION. IN FACT I NEVER EVER USED MY CARD FOR ANYTHING BUT TO HAVE MONEY SENT TO ME. I THINK THEY HAVE A PROBLEM WITH THEIR EMPLOYEES DOING INSIDE SCAMS. Here 's what I think, if I didn't do it, their security measures are inadequate. I know of many other people this has happened to. The {$300.00} was for utility bills which in turn caused me electric and phone to be shut off. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not notify me that my information was stolen from their company. Including ALL personal data putting me at a high risk of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights has been violated.

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

15 USC 1681 section 604 a section 2 : it also States A consumer report furnish an account without my written instructions.

15 USC 1666B : A predator may not treat a payment on a credit card account under an open end Consumer Credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the Car dealership they said they were only going to pull XXXX and now I have multiple different inquires. 

XXXX 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
Product: Mortgage

Upon the refinancing of my existing loan in XX/XX/2021, which Fifth Third Bank was servicing, I had new payments beginning in XX/XX/2021 under the new loan terms ; Fifth Third Bank is also servicing my new debt. Included in my monthly payment is PMI in the amount of {$55.00}. After the XX/XX/2021 payment, the LTV on my loan became 79.9589 % and the loan documents allow me to request removal of it. As such, I reached out to Fifth Third Bank on XX/XX/2021 to begin the process of removing the PMI. First I was told I can't cancel PMI because Fifth Third Bank was incorrectly quoting information from my old loan ( the loan prior to the one I refinanced XX/XX/2021 ). Then once that issue got settled in mid- to-late XXXX, I was told that an appraisal will be performed at my property, at no expense to me, in order to determine the proper market value. I can't recall the exact date but it was supposed to occur in early XXXX. Shortly after that in XXXX, I was contacted by another representative of Fifth Third Bank that said I had to make another written request to have it removed and that an appraisal was no longer needed. After trying to rectify the issue over the phone with no success, I reluctantly submitted another written request on XX/XX/XXXX to have the PMI removed. Since that time I have not heard anything from Fifth Third Bank and I've already received my XXXX mortgage invoice and it still lists the PMI. So here I am today, 5 months after my initial request and there has been absolutely zero movement in the removal process. This has arguably cost my family and I about {$250.00} ( and counting ). To say that this is beyond frustrating is an understatement ( quite frankly, I just don't have the time to document, step-by-step their ineptitude ) and the customer service provided up until now has been awful. I have all the loan documents and am well versed in this field. There is no reason why this PMI shouldn't be removed and I'm so fed up at this point which is why I'm reaching out to the Consumer Financial Protection Bureau. Fortunately, I work in a field similar to the service that Fifth Third Bank provides to it clients but for those individuals without a background like me, they are extremely vulnerable and mislead by this company ; likely resulting in families paying additional monies to Fifth Third Bank due to their poor performance.
Product: Debt collection

I don't recall having a contractual relationship with this collection company National Credit Adjusters. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Checking or savings account

USAA closed my bank acct effective XX/XX/XXXX, I have not yet received any notification that my account has been closed. the only communication is when I call them which was on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. they have only informed me to say that the will no longer be doing business with me and that my account was closed on XX/XX/XXXX. for potential fraud. I have since had Three XXXX checkecks that were deposited and recieved after and since my account was closed. the bank has stated that they will mail my funds to me on XX/XX/XXXX. I am a XXXX Veteren and I can not sustain life without my funds that they are holding. they have even stated that the decision is final and that is no person that I can talk to change them not giving my money and that I have no choice but to wait 60 days for them to send me a check. this is WRONG! 

I NEED HELP WITH THIS MATTER - THIS IS AN EMERGENCY AND IT SHOULD BE ILLEGAL
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent inquiry on my credit reports, thats reporting on Equifax and XXXX from XXXX XXXX. Theres a Fraudulent collection account reporting on my XXXX as well called XXXX XXXX XXXX.
Product: Debt collection

I was a customer of HSBC for many years. On XX/XX/XXXX I called HSBC to pay off my outstanding balance ( I always paid all of the outstanding balances month after month ) and close off my account. After an hour of back and forth and a confirmation that my balance was paid I was also sent to the rewards department to cash out on the points balance, which was quickly done ( I received {$500.00} worth of gift cards ). XXXX months later I started receiving calls about my " outstanding balance ''. I've had XXXX conversations with XXXX XXXX and XXXX with fraud department and they still won't stop. This is a terrible business and I will never be their customer again. However, I don't know what I'm supposed to do with this other than suing them.
Product: Money transfer, virtual currency, or money service

XXXX This complaint is to answer above complaint. 
I have sent what I had but I am sending this complaint so you can follow us and resolve it as XXXX  of Americans have been taking by this fraud set up. 
Bank is claiming that Zelle is not going to refund you. It is your lost but this is a fraud on XXXX of Americans.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX SC XXXX Subject : Failure to Validate Debt Dear LVNV Funding LLC I am writing to follow up on my previous request for validation of the debt you claim I owe. As of today, I have not received the necessary documentation to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FDCPA, you are required to provide verification of the debt within 30 days of my request. Since you have failed to do so, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. 

Additionally, please confirm in writing that you will remove any negative information pertaining to this debt from my credit report. 

If you continue to pursue this debt without proper validation, i will be reporting your actions to the Consumer Financial Protection Bureau ( CFPB ) and the state attorney general 's office. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

They suppose to delete my student loan only delete one i was approved for forgiveness
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 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX  - {$0.00} - 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I applied for a Barclays Bank USA credit card. I currently have one Barclays credit card that I have had for approximately 9 years without any issues whatsoever. This card was opened using the exact same address and personal identification as the one I applied for on XX/XX/XXXX. 

Shortly after submitting my application, Barclays mailed me a letter asking for a copy of my driver license, Social Security card and proof of address. Since I am currently with my husband who is on XXXX XXXX with the XXXX XXXX XXXX, I tried to get a fax number to which I could send the requested documents. After an extraordinarily difficult attempt, I was finally given a fax number and I promptly faxed all the documents requested. Well after successfully faxing the documents, I received yet another letter requesting the same documents. I faxed them successfully yet again. 

On or about XX/XX/XXXX, I received yet another letter from Barclays that contained my application ID # XXXX and stated I needed to call to help them verify information on my application. 

I recently had major XXXX  XXXX and am currently XXXX. The letter from Barclays specifically stated a TTY number that could be used for those with XXXX  issues. I used the XXXX XXXX XXXX service to call the number Barclays listed and the number is broke. The number when answered demands a credit cad number, but this is not abut an existing account. After not entering a credit card number, the system then offers ONLY two other options : 1 ) Report a lost or stolen card. Since this issue in no way pertains to a lost or stolen card, I could not select that. The only other option available is 2 ) Check the status of a current application. Selecting that option only states that their automated system can not provide a status update and says I must check online or wait for a letter in the mail. It then promptly hangs up. 

I called the other number listed on the Barclays letter that is not a TTY number. Since I am not able to speak, my husband spoke with the representative and they basically stated I needed to call them myself after my XXXX passes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently disputed fraudulent/erroneous accounts on my my credit reports with XXXX, XXXX, and know Experian.The accounts in question have no payment history, missing information, and is incomplete and the Credit bureaus are continuing to report the accounts knowing this.Ive still have yet to receive requested documentation on these accounts XXXX aka XXXX XXXX XXXX XXXX XXXX as well as XXXX  XXXX.These accounts DO NOT belong to me. All 3 CRA 's are in violation of the FCRA section 609 ( a ) ( 1 ) ( A ) requiring them to provide physical documentation and an original signed consumer contract.As well as section 623 of FCRA.Ive done as much as I can do, the creditors are giving me the run around and the CRA 'S are reporting these accounts that are incomplete/missing information in witch they can not do.Ive moved forward with my attorney to persue legal action against all parties, Ive also sent information to the FTC as well.
Product: Debt collection

Re : Merchant Credit Gui : Amount ( s ) {$580.00} and {$700.00} ALL of the reporting dates are inaccurately listed under the account of the alleged debt the statute of limitations for reporting under the FCRA has passed. 

In Addition, all medical debts shouldve been covered under insurance through Texas XXXX during/prior/afterwards within the timeframe indicate. I have listed Insurance Information below for verification. 

I the consumer did not receive notification of any balances owed prior to the creditor reporting the alleged debt to the credit reporting agencies. 



Texas XXXX # XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Discover, for committing Fraud. I have never given Discover, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have sent in a XXXX XXXX payment coupon to company in XXXX 2022. Company did not apply my payment and closed my account without giving reason or notice. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt that I already paid, and you refused to accept, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature stating I agreed to close such account or was giving notice to close such account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXXs response company claims and I quote We can accept late payments, partial payments or payments marked payment in full or with any other restrictive endorsement without losing any of our rights under the Agreement. Additionally, you must pay in XXXX dollars.. Discover conducts regular review of our customer accounts and on XX/XX/2022, in accordance with the terms and conditions of the XXXX Agreement which state ; Which seem to be false information. To my understanding according to the payment information on the back of the slip it states : Send only your allowable form of payment ( " Payment '' ) and the bottom portion of this statement in the envelope provided, after affixing postage. 


Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed if you send cash or correspondence with your Payments This brings a lot of confusion and sounds like fraud actively have occurred by your company. 

The company stated I must pay in XXXX dollar and I know that a XXXX dollar is Legal XXXX. Legal XXXX as the currency of a nation in the form of paper money. Legal XXXX is considered valid for payment of any financial obligations. Legal XXXX is a form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is legal XXXX, but essentially it is anything which when offered ( " XXXX '' ) in payment of a debt extinguishes the debt. The act of XXXXXXXX the payment in legal XXXX discharges the debt.
Product: Debt collection

On XXXX I received an alert from XXXX that a new address was added to my credit report. As you know, identity theft and fraud is prevalent. I immediately thought that someone was trying to steal my identity. I was so alarmed by this notification ; I became visibly shaken. I went to XXXX and saw that a new address was reported as XXXX XXXX XXXX, XXXX, GA XXXX. I tried reporting this online, but due to how I was reporting it, as Identity theft, I was immediately directed to call XXXX. I called XXXX and soon learned that the address update lead back to Credit Acceptance Corp. They reported an address change without my knowledge. My Credit Acceptance account is XXXX on my XXXX credit report. I immediately placed a fraud alert on my file # XXXX & XXXX XXXX however this address was documented on my file by this debtor without my consent. Credit Acceptance was attempting to use fraud/deceptive practices to collect a debt. Per XXXX their records show that this report/update leads back to Credit Acceptance Corp XXXX
Product: Credit card

REVVI/XXXX  XXXX XXXX : XX/XX/2023 Balance : {$440.00} Balance updated : XX/XX/2023 charge off ( illegal reporting ) ( incomplete ) Fraudulent account open without my consent I DID NOT OPEN THIS ACCOUNT - someone using my information to obtain credit cards and commit fraud by using a third party debit card to achieve credit cards.