23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent notification to this debt collector to verify that this debt was indeed mine. They sent a billing statement. Per FDCPA that does not constitute as verification or validation. First letter was sent off on XX/XX/XXXX. Second letter was sent off on XX/XX/XXXX after they sent me a billing statement. In both letters I requested validation and to date, no method of validation has been received. Attached is my request for validation and the methods in which the debt should be validated per FDCPA. They instead sent me a billing item. This does NOT constitute the validation request that I made.
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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX**** Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

XXXX allowed 58 inquiries for fraudulent car purchase despite fraud alert on acct XXXX allowed 82 inquiries for fraudulent car purchase despite fraud alert on acct Experian allowed 65 inquiries for fraudulent car purchase despite fraud alert on acct I called all 3 bureaus and asked they be immediately removed and filed a FTC report as well and nothing yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The dispute numbers were XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX Experian XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX  to resolve anything. There was also data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. The bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX, a debt collector, is attempting to collect a debt for an apartment lease executed in my name without my knowledge. I directly contacted the debt collector via certified mail in XX/XX/XXXX. The debt collector did not respond. I then filed a complaint against the debt collector with the CFPB on XX/XX/XXXX -  complaint XXXX. I included a copy of the police report as well as my full name, social security number and DOB in the CFPB complaint. I instructed the debt collector in the CFPB complaint to stop contacting me via phone and to only contact me in writing. The debt collector has continued to attempt to reach me via phone and has never mailed me anything. The debt collector responded to the CFPB complaint asking me to call them and telling me they could not locate my account, even with all the information included in the complaint. The CFPB can verify this by looking at the closed complaint. I now have an address in XXXX XXXX being reported on my credit report that I have never been associated with. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Other creditors may be opening accounts in my name without my knowledge and using this fraudulent address to send mail to. I have contacted the apartment complex in XXXX XXXX that XXXX XXXX XXXX has reported as a valid address on my credit profile and have received a letter from the apartment complex confirming I do not live at this address nor have I ever. I have also updated my Affidavit of Identity theft through the FTC and have attached a copy of that to this dispute. I contacted the credit bureaus via phone to inform them that I have this letter from the apartment complex saying I never lived there and was not able to upload it as neither upload site was working correctly. This letter from the apartment complex is signed, dated and includes contact information. The credit bureaus give me a pre-prepared response saying they are opening a dispute on my behalf and that they are contacting XXXX XXXX XXXX to verify the information. XXXX XXXX XXXX has already proven that they are not following the Fair Credit Reporting Act and the evidence of that is in the CFPB portal.
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 XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX SYS Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXXXXXX XXXX XXXX Account XXXX has violated my rights . Or a list of inquiries : 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 or other personal consumer reports

Equifax abused consumer reports under FCRA for XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I see that XXXX XXXX XXXX has reported late payments on my consumer report. The account is reported incorrectly and inaccurately. This account must be removed from my consumer report. Please see attached, you will see how incorrect its reported across all 3 bureaus. Months are not the same. It violates the consumer law below.

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

In addition, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : 1. Barclays Bank Delaware - XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX
Product: Student loan

I have been attempting to apply for an unemployment deferment because I was furloughed by the XXXX on XXXX XXXX, 2016. ECSI, which services the Perkins loans I borrowed to afford XXXX school, refuses to accept my proof of unemployment. I do n't have any money, and my low credit score due to their refusal is affecting my ability to secure a year-round full-time job.
Product: Money transfer, virtual currency, or money service

I transferred {$1500.00} to my brother in XXXX on XX/XX/2023 through a company called Remitly. The transaction is still pending. Whenever I call them they tell me that, the transaction will be completed and the recipient will get the money within 24 to 48 hours. 

There's more but I cant say all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please assist with misreporting by Discover Financial Services on my credit card account and misreporting on my credit bureau reports. Case involves ID theft after data breach by XXXX XXXX XXXX XXXX XXXX/contractor XXXX/XXXX, XXXX XXXX, MD. XXXX/XXXX admitted liability for misuse of my data and provided ID theft protection until summer XXXX. In XX/XX/XXXX XXXX XXXX XXXX, according to XXXX attorneys at XXXX : XXXX called stating they were representing me in administrative hearing related to XXXX XXXX data breach. I allowed XXXX to charge {$4500.00} to my Discover. By XXXX XXXX, I suspected XXXX/XXXX frauds, confirmed by XXXX in XX/XX/XXXX enclosed email, and wrote Discover to investigate the billing. See XXXX XXXX, XXXX letter enclosed. 

I was XXXX from government injuries and asked Discover for XXXX assistance. I called them and wrote multiple times using XX/XX/XXXX letter as I lacked access to computer, I was XXXX due to government service injuries and addicted to opioids which caused XXXX XXXX  and XXXX XXXX. See enclosed XXXX XXXX physician script for XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX letter on XXXX XXXX. During this time XXXX threatened me in multiple calls for money, including firms enclosed XX/XX/XXXX letter. I returned to Washington DC for medical care in XX/XX/XXXX. 

XXXX returned {$4500.00} to Discover in XX/XX/XXXX. Discover illegally assessed me penalties on the fraud charge of {$4500.00} amount to nearly {$1700.00}. Under federal consumer law, Discover is required to provide XXXX assistance to members and it may not assess penalties on fraud charges. I was without computer and sent the enclosed XX/XX/XXXX letter to Discovers mail unit. Discover must comply with federal XXXX and consumer laws. 

I seek protection from Discovers adverse credit reporting of penalties assessed me for fraud charges. I demand Discover prevent  Brown/Goodkin from continuing to use DFS to commit fraud. Please accommodate my federal service XXXX and help me obtain relief from Discover misreporting and from continued theft by XXXX. Please contact me if I can provide additional information. Thank you for your kind assistance. XXXX Bless America! 

Sincerely, XXXX XXXX XXXX Member Sons of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Government, Credit Card Companies
Product: Checking or savings account

I had an account with XXXX. It was acquired by MidFirst in XX/XX/2022. The account had some $ XXXX and I did not transfer the account. They issued me a check to the address on the file. 

Meanwhile, I had moved. I had USPS forwarding but the bank had sent the check through XXXX. By the time I enquired with the tenent and got the check, it was beyond XXXX  days and the check had expired. 

I got in touch with the bank in XXXX. Here is where the ordeal starts. I have made XXXX calls. The agents all hear my story, I give them new details, agents put me on hold to talk to their supervisor, and come back with the same message - " we will mail you a new check to your new address next week '' or " XXXX of the supervisors will call you ''. No check. No calls back. 

It's not working. I don't know what else to do. Please help.
Product: Mortgage

First, Bank of the West sold me a loan on false pretenses and will make {$600000.00} off that loan that should have gone to their competitor, XXXX XXXX. Second, due to their false statements, we are in jeopardy of not having the money we need to complete the renovation of the downstairs apartment and backyard of our duplex - thus we will not be able to request as high of a rent as we would if we were able to complete all repairs. Third, while they are reviewing my case I am losing " would-be '' rent. 
The false statement : Bank of the West 's agent, XXXX XXXX, assured us at least twice by email and also by phone that we would get a home equity loan to XXXX % loan to value ratio - {$83000.00} on our {$920000.00} XXXX XXXX. See the two emails in Appendix A. Before the closing of the loan I asked how we could get the ball rolling on the HELOC ( see Appendix B ) and was told we have to wait for the closing of the mortgage loan. Everyone was so sure and reassuring that I trusted them. After the mortgage loan closed so it was too late to switch to XXXX XXXX, they decided that they ca n't give us a HELOC because it 's a duplex so they ca n't go above the XXXX % loan to value ratio that we 've already reached. Per Appendix A, XXXX XXXX was aware the property is a duplex. 
We made a XXXX % down payment at Bank of the West. If there was doubt about the HELOC we would have gone with XXXX XXXX where we would have only paid XXXX % down ( leaving the {$46000.00} difference for repairs ). 
I have repeatedly assured them that we are extremely capable of repaying the loan. See Appendix C for support on why we are no risk for a further loan. They still tell me I can not get the HELOC product because I do n't have the collateral, but they would be happy to sell me an unsecured loan for less money at a higher interest rate. I also escalated this to XXXX XXXX 's boss, XXXX XXXX, who called to apologize for this " frustrating '' situation. ( XXXX XXXX has since left Bank of the West and knew XXXX from a previous dispute with Bank of the West that has already been resolved in my favor. See Appendix D. ) He has since forwarded my case to Bank of the West 's " resolution team ''. He did n't mention at that time that it may take up to 20 days to reach a resolution ( and of course the resolution may not be final or favorable ). Of course this is a problem for us, as we can not execute the majority of the repairs until we have more money and the duplex lower unit remains unrented. 
Some of the requests above have not yet been formally communicated to Bank of the West since I had planned to simply wait for their response. However their actions since the denial of the HELOC have not assured me that they are taking my lost rent seriously. 
I will send them a copy of this complaint, unedited, for their review and consideration. 
I am extremely thankful for the existence of the Consumer Financial Protection Board to aid consumers who are stuck in situations like this. Thank you very much!
Product: Credit reporting or other personal consumer reports

I have become aware that files accompanied by an FTC report are not being removed as required. Under FCRA section 605b, it is mandated by law that these items be deleted. Therefore, I am sending this certified letter to establish a legal record. If you do not remove the inaccuracies listed below, which are due to erroneous credit data, I will proceed with legal action through my attorney. My goal is to avoid litigation, so please comply with the law. Per FCRA section 605, you must remove any items listed in XXXX XXXX XXXX XXXX XXXXXXXX. I previously included this report and am including it again. My attorney is prepared to hold you accountable for noncompliance. Remove the following inaccuracies from my credit profile, as they were opened without my consent or knowledge : 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 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 XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. If you assert that these items are accurate and verifiable, provide documentation with my signature. In the absence of such evidence, I request the immediate deletion of this information from my credit file. You have 4 business days to remove these erroneous items from my credit file. I do not consent to XXXX or any automated verification methods. I expect your prompt attention and a response within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX. XXXX I asked XXXX to investigate the below listed accounts for accuracies. On XXXX, XXXX. XXXX XXXX responded back to me and stated that the below named accounts were properly INVESTIGATED and VERIFIED but how is this possible when I found several inaccuracies, This is grounds for removal. 

XXXX XXXX XXXX # XXXX Account type. inaccurate Date opened. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate XXXXXXXX XXXX XXXX # XXXX See report for inaccuracies IC SYSTEM # XXXX Date opened. Inaccurate Date last activity. Inaccurate 15 U.S. CODE 1681 section 604a 2 also applies here. 

I have attached a copy of my most current credit report dated ( XX/XX/2022 ) as proof
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. 

List of Unauthorized Inquiries : XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I been transferring money through Robinhood XXXX  wallet because its the fastest way to send and receive. I told Robinhood before that I win funds from and send funds through XXXX. Account was restricted recently but I cleared it all up. Now I cant receive any XXXX just send it. I told them why my activity is high and they still restricted my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my ARS report on XX/XX/XXXX and noticed 3 inquires that should not be on the report. On XX/XX/XXXX, I contacted ARS and placed a security freeze on my file. My information should not have been able to be accessed by these banks
Product: Credit card or prepaid card

I have had this credit card since 2018. I very responsible client and I pay all my credits on time. Today by a credit report I realized that I owe a money to one of my credit card ( at this moment I was surprise about this debt ). I started to check all my credit cards finding out which card was due. Then, I realized that the card that I owe was my XXXX card. This card I have not use it for a long time, but they charged the annual fee. After that, I went to the credit card website to pay, however I couldn't pay because I was already closed. I chat with somebody from the bank and this person gave me a phone number to solve the issue. I called and the agent told me that he cant solve the problem. I explained both of them that I didn't receive any information by post-mail, text, or e-mail. I really feel this situation very unfair because I want to solve the situation and pay the annual fee and continue being a client. Unfortunately, the miscommunication caused a problem with my credit score. I think they were not effective in communicate the issue with the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX  have accounts on my report that are fraudulent. I have tried numerous times to get them removed, but to no avail. I have attached police reports and an identity theft affidavits to this complaint, hoping that this will work. The XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX accounts are all fraudulent accounts and I would like those blocked please. My next steps will be to retain an attorney to get these fraudulent accounts removedXXXX XXXX has complied and I would like XXXX and TransUnion to comply as well. I have been disputing these items for years and they keep reappearing. I was a victim of the Breech with XXXX  and it has been a lot. Please remove and block asap. There are also multiple inquiries that need to be removed in the affidavit. I need them blocked please and thank you.
Product: Credit card or prepaid card

I paid for two American Express Pre-paid Gift cards on or about XXXX 2021, each in the value of {$75.00}. Both cards had charges on them before I even received the cards in the mail. I attempted to comminicate with American Express to advise that they needed to send replacement cards. Amex said that they disclaimed all liability! For more than one year, I have been attempting to communicate with the Executive Office of American Express about this issue. I have been told that AMEX will not assist me.