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

On XX/XX/XXXX, The credit bureaus stated that XXXX XXXX XXXX XXXXXXXX, was verified and properly investigated but how is that possible if the status is inaccurate, date last reported is inaccurate, opened date is inaccurate and the date last payment is not accurate.This is grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 604 A Sec 2 : The Law clearly states that a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish anything on my account And according to 15 U.S. Code 1681e - Compliance procedures. No consumer reporting agency may furnish a consumer report to any person.

Also according to 15 U.S. Code 1681e ( b ) Accuracy of report procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These are clear violation 15 U.S. Code 1681i ( 5 ( A ) - can not be verified, the consumer reporting agency shall 15 U.S. Code 1681i ( 5 ( A ) ( i ) -promptly delete that item of information from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXXXXXX Balance : {$17.00} ; XXXX XXXX XXXXXXXX Balance : {$160.00} ; FXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

The issue and concerns have not been resolved. CashApp is only saying 'what they might and/or can do ' in the future with offering NO RESOLUTION AT ALL to my initial and current concerns. I request that this complaint REMAINS OPEN until such time that the concern has been resolved ; AND, that I have received a written response to 'their findings and investigation. ' I am aware that this company is now facing a Class-Action Lawsuit for very similar situations regarding identity theft as well as the company blatantly denying credit without due diligence of verifying identity. AGAIN, I REQUEST THAT THIS CASE REMAINS OPEN UNTIL SUCH TIME THAT CASH-APP HAS COMPLETED THEIR INVESTIGATION, RESOLVED THIS ISSUE, AND PROVIDED A WRITTEN RESPONSE. XXXX XXXX XXXX, XXXX
Product: Debt collection

XX/XX/XXXX this law was violated 15 U.S. Code 1692j ( a ) States : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

On XX/XX/XXXX this law was violated 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section On XX/XX/XXXX, XX/XX/XXXX this law was violated 15 U.S. Code 1692g ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector On XX/XX/XXXX, XX/XX/XXXX this law was violated 15 U.S. Code 1681i ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). 

Several laws have been violated since this debt is not owed ( atttached proof ) On XX/XX/XXXX & XX/XX/XXXX I contacted the creditor via mail asking them to investigate ithe inaccurate debt for {$250.00} and remove from my credit report, and they did not nor have they respond. 
XX/XX/XXXX, XXXX I disputed account with all XXXX credit bureau agencies XX/XX/XXXX I disputed with National Credit Systems
Product: Credit card or prepaid card

On XX/XX/XXXX, Chase Bank closed both of my credit cards, without notice, due to too many other new accounts opened. I called the bank and was told that there was nothing that could be done and the decision was final. I've never missed a payment, keep my balances low or at {$0.00}, and have had an account with them for four years ( one of my oldest cards ). All I want are my accounts reopened.
Product: Mortgage

My mom had a living trust. My brother who had control of trust quitclaimed home back to mom and had her sign fir a reverse mortgage. She wasXXXX years old. Although of sound mind very hard of hearing and to frail to leAve home. Financial freedom was lender. They never inspected home. She did not have a picture identification so they took her social security card had her hold it under neck and took a picture. She was prompted to just sign do n't worry. My mom willed the house to me. She passed in XX/XX/XXXX. Several times I faxed will death certificate etc. To o them. Reached to o several city iprograms to resolve issue so I could patwo years of due diligence y them off. I received forevlosyre notice on XX/XX/XXXX that home was foreclosed and auction was XXXX. Again trued to reach out no follow up calls but XXXX. Telling me yo call back nect day. Never available. Letters were sent yo my mom her spouse the estate of my mom and XXXX brothers. I received nothing. I have 8 days before home of 58 years in family which is worth XXXX the amount of mone owef and financial freefim is still not communicating with me.they sent a bank representntive yesterday looking for ky mom. Two years of worry and they still can not get it right. I believe i should have more time while they correct information. I the owner have never been addressed. They are unethical if not down right criminald.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did-not Authorize / Authorization the use of credit and/or view credit report, IDENTITY THEFT VICTIM - EQUIFAX DATA BREACH!!!!!!!!!!!!!!! 

@ @ @ @ @ @ @ @ XXXX @ @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Equifax XXXX Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Bank @ @ @ @ @ @ @ @ @ @ @ @ EQUIFAX @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent account on my credit report that are reporting inaccurately. I called these companies to dispute but they never did anything. I even sent letters to them 3 weeks ago still no reply. Multiple debt collectors have contacted me which is violation of usc 15 I want proof that I signed for these accounts and i want proof that I owe any debt.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, After EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  AND XX/XX/XXXXXXXX  ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Checking or savings account

On XX/XX/2019, I lost my debit card. I also had my license and phone taken. 
Later that day when I gained access to my email, I saw a notification that my password for my banking account was changed. After gaining access to my account and changing the password, I saw that over {$4500.00} in charges were made with my debit card at various vendors after I lost possession. Upon seeing this, I called Well Fargo for assistance and made my claim. 

On XX/XX/XXXX, I received an email from Wells Fargo that the case was closed and I would be receiving a letter. I also received a call from them that same day where they asked me to clarify some issues. I called Wells Fargo on XX/XX/XXXX after not having received the letter to ask about the status of my claim. They informed me that my claim was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit card or prepaid card

I 've been a customer of the  Barclays   XXXX   XXXX  Mastercard for 4 years ( opened  XXXX / XXXX / XXXX  ) and requested a lower interest rate on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , and have been denied both times with no explanation as to why my interest rate has continually been the highest.     My first statement with them shows an interest rate of 24.99 %, however the advertised rates online are " 16.74 %, 20.74 % or 25.74 %, based on your creditworthiness. '' I requested a copy of my original agreement, but was told they can not send it to me.     My current interest rate is 25.74 %. Currently, my balance is {$7500.00}. Every time I make a payment, interest is charged shortly after in almost the same amount as the payment ( i.e. Payment in  XXXX  of {$170.00} on  XXXX , Interest Charged on  XXXX  of {$150.00} ; Payment in  XXXX  of {$200.00} on  XXXX , Interest Charged on  XXXX  of {$170.00} ). I was laid off twice in  XXXX , was unemployed from  XXXX  to  XXXX , but still making payments, but the interest just killed whatever progress I was making on paying down the card.     After calling to complain and threatening to close my account, I was told they periodically monitor my account for lower rates. The representative said there was a lower rate available to me of 24.74 %, so 1 % lower was all they could offer me after being a customer since  XXXX . In addition, the benefits that were available when I signed up were discontinued, but I was still paying more in fees that when I star  ted ( i.e. no more companion passes ).
There is no way I can get out of this debt!! This just seems like predatory lending. I get less benefits than when I started, my interest rate always goes up, never down, and I although my credit score a  t the time of application was considered good (  XXXX  range ), I was offered the highest interest rate they offer.
Product: Money transfer, virtual currency, or money service

I recently made a purchase on my Cashapp account with the store XXXX XXXX.Ater find out that the items were not as described so I requested to return them.XXXX XXXX accepted for me to return the 3 items and I printed out 2 return labels for me to ship them back to them.After waiting a few days I saw that they were returned back to them.I then tried to get in contact with XXXX XXXX via phone.I told them I returned the items back to them but they were unable to give me a refund without explaining to me why.This them prompted me to start a dispute with my card issuer Cash App.I have tried to dispute the transaction via customer support but they keep sending me the same email 2x.My end goal is to try to have this XXXX XXXX transaction disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters on XX/XX/22 disputing inaccurate information from my consumer credit report regarding accounts that I'm not familiar with. I still haven't gotten a response or any mail concerning my disputes which I am concerned about I read a law that stated these accounts are in violation of Section 623 ( e ) I read a book learning the FCRA prohibits information furnishers from providing information to a credit reporting agency that they know or have reasonable cause to believe is inaccurate. This is also another violation I thought the credit bureaus had 30 days to respond my consumer rights have been violated its been well over 30 days and per fcra, these accounts should be deleted immediately. These violations have caused me XXXX and the amount of time I can't get back trying to figure out why the bureaus violated my consumer rights I feel as tho they have played with my emotions and time. These accounts are illegally reporting and hurting my consumer report which is causing my life XXXX
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid my US Bank credit card balance in full on XX/XX/year>. They reported it and my score updated. Then on XX/XX/XXXX, they reported {$4100.00} due. I called them to have it reported back to how it was ( which was accurate ), but they said it isn't their fault, they only report once a month at the end of each month, it's XXXX fault. So I call XXXX, and they tell me that US Bank reported on XX/XX/XXXX the last payment date of XX/XX/year>, so that is why none of the XXXX information is showing now. So I call back US Bank and ask why they would go back in time and remove the most recent activity that was already showing accurately. They say they didn't do that. They refuse to take any accountability or responsibility for the reporting error which is holding me back from purchasing a home now. They say they have no process or system in place to fix any issues that they create for consumers and we have to fix it ourselves by calling the bureaus and doing their job for them. I spent 5 hours on the phone this morning between US Bank and XXXX trying to get something that was not my fault or my error fixed and no one would help me. The customer service representatives actually transferred me without telling me, directly to XXXX after I asked them not to becasue I needed to speak to the people in charge of credit reporting at US Bank, not at XXXX. They didnt care or listen to me. The manager gave me excuse after excuse, and said she could do nothing at all to help me and was rude and heinous and denied any wrongdoing or inaccurate reporting even though it was staring her in the face. No one should do business with this evil and unhelpful company.
Product: Credit card or prepaid card

My Chase Sapphire Preferred Card is punishing me with an APR of 24.99 %. I called up and got unfriendly and nasty client reps who were not able to work with me on the APR. I have no bankruptcies, liens or foreclosures. Chase says there's nothing that can be done. You mean we can land a man on the moon, but you can't input a new APR? Hmm ... .Seems unacceptable to me. I will not stop making a fuss about this. Chase needs to lower my APR significantly. This is absurd.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Sec

tion 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Debt collection

Hello, Im shocked, surprised, XXXX out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Proof of Verification and Contract Account # XXXX, # XXXX, # XXXX To Whom It XXXX Concern, I am writing to address the lawsuit you filed against me regarding the alleged debt under account number # [ Your Account Number ]. I find it unacceptable that, despite being sued, you have failed to provide me with the necessary documentation to substantiate your claim. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request the following : Proof of verification of the debt you claim I owe. 
A copy of the original contract or agreement that clearly establishes my obligation to repay this debt. 
A XXXX form for the canceled portion of the debt, which I have yet to receive. This document is critical as it relates to the tax implications of a charged-off account. 
Your failure to provide these documents raises serious questions about the validity of your claim. I will not accept mere assertions without concrete proof, especially in light of the legal action you have initiated against me. 

If you do not respond within XXXX days with the requested documentation, I will consider this matter resolved in my favor and pursue all legal remedies available to me. Additionally, I will not hesitate to report your actions to the Federal Trade Commission ( FTC ) for failing to comply with the FDCPA. 

Your immediate attention to this matter is required. 

Sincerely, XXXX XXXX