23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that USAA SAVINGS BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1991 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and seek your valuable assistance regarding a matter that has had a significant impact on my life. I believe that the following creditors, XXXX XXXX  and XXXX, have violated the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692f.

I demand that the CFPB enforce the legal provisions to ensure that these creditors adhere to the stipulations laid out by the FDCPA and remedy the adverse effects that their actions have had on my financial well-being. XXXX XXXX Account Number : XXXX  The creditor, XXXX XXXX, has violated 15 USC 1692f of the FDCPA, which explicitly forbids the use of false, deceptive, or misleading representation or means in connection with the collection of debts. I have experienced firsthand the distress that arises from such violations. The emotional turmoil caused by these unfair practices can not be understated. The stress has affected my sleep, my daily life, and even my ability to provide for my family. 

XXXX  Account Number : XXXX Similarly, XXXX has transgressed 15 USC 1692f of the FDCPA by employing false, deceptive, or misleading means to collect a debt. The emotional toll of receiving such communications, characterized by misleading information, has taken a significant toll on my emotional well-being. These actions have shattered my trust in creditors and have cast a dark cloud over my financial future.

These violations have affected me deeply, causing not only emotional distress but also impairing my financial stability. The constant worry of these unverified accounts tarnishing my credit report has left me feeling helpless and overwhelmed. I am concerned that these violations may have lasting repercussions on my ability to secure housing, employment, and other crucial aspects of life.

In light of the aforementioned violations, I kindly request the following actions : Enforce the legal provisions outlined in 15 USC 1692f against XXXX XXXX and XXXX  to ensure that they cease the use of false, deceptive, or misleading representation or means in their debt collection practices.

Urge the creditors to remove these unverified accounts from my credit report, thereby rectifying the damage that these violations have caused to my financial reputation.

Provide me with updates on the progress of this dispute and any actions taken to address these violations.

I implore the CFPB to stand as a beacon of hope for consumers who are subjected to such distressing violations. Your intervention and assistance in this matter will not only rectify the wrongs I have suffered but also set a precedent for responsible and ethical debt collection practices.

Thank you for your attention to this matter. I eagerly await your response and resolution of these pressing concerns. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested all three of my credit reports from all three bureaus back in XXXX. Upon receiving and reviewing these reports I found numerous fraudulent accounts had been established in my name in fraud, by someone who used my personal information. I began the dispute process immediately by both contacting the credit bureaus and creditors where the fraud accounts originated from. I wrote each bureau ( XXXX, Experian, XXXX  ) very detailed letters and supplied them with proof ( Police Reports, Photo ID, ID Theft Reports ) I asked them to supply me with proof they they had on these debts/fraud accts, etc. 

Proof I asked them for was signed contracts of these accounts, IP addresses, physical mailing addresses, logins, bank accounts associates with these debts0 They have refused to supply me with this information and still reporting these fraudulent accounts because the creditors allegedy verified with them ( baiscally the creditors is paying them to report this fraudulent information )
Product: Student loan

ACS/XXXX is reporting my status negatively as 90 days behnd and the account has been paid and closed as of XX/XX/2016 The debt was consolidated by XXXX.
Product: Debt collection

Tranfer to another lender dispute on XXXX no answer receive it 45 days and. Never did a Contracts with this people or know who they are also never receive letters
Product: Checking or savings account

opened Robinhood account deposited funds into the broker account XX/XX/21 - XX/XX/21, funds cleared my account on XX/XX/21 after trying to use debt card i received from Robinhood they restricted use of card. Ask to provide identification again after already being submitted. Once submitted was told that i had to resend front copy of social security card because it looked like a photo of a photo when in fact i took real live photo. After resubmission i still have yet to receive response from company and my debt card and funds are still placed under restriction as of XX/XX/21 ive reached out by phone and email several times and they have not helped me.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXX XXXX XXXX continues to report incorrect information, despite my prior attempts to rectify the situation. 

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file.

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed. 

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.
Product: Credit reporting or other personal consumer reports

Dear Experian, XXXX, & XXXX, I am writing to request that my address information on my credit report be updated to reflect my current address. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure that the information they report is accurate and up to date. 

My current address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX I noticed that my credit report still lists my old address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To assist with the update, I have enclosed copies of the following documents as proof of my current address : Please update my credit report to reflect this accurate information. Additionally, I request a confirmation once the change has been made. If you require any further information or documentation to process this request, please do not hesitate to contact me at XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response in ensuring the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I sent a letter to received validation for an account on my credit report under XXXX XXXX I never received a response, and I just checked my new credit report and not XXXX, XXXX, or Experian updated this to in dispute. I know that this is against the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act experian and XXXX 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. Code 1681s2 - 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. 


They have a address listed as XXXX XXXX XXXXXXXX XXXX tx. this is not my address and I have never lived there.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer.

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 
DISCOVERBANK ACCOUNT # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : XXXX XXXX XXXX XXXX ( A ) ( i ) The inaccurate reporting of both my account status and payment status by DISCOVERBANK ACCOUNT # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Checking or savings account

Checking accounts have been opened without my authorization on two separate occasions over a 2 week period at Bank of America. 

Bank of America states that they can lock my account and prevent new accounts from being opened fraudulently, but can flag the account. This has happened 2 times and the process to report the fraud and close the fraudulent account takes 3+ hours with endless phone prompts and wait times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up letter, as my first complaint was closed with no results. 
This erroneous account was to be removed in XXXX XXXX per XXXXXX/XX/XXXX 
As of XXXX XXXX it is still on all 3 credit bureaus.
Product: Credit card

Hello I applied for Citi Card and I was denied. My Credit is almost excellent and I do not have any derogatory accounts on my report. All of the inquiries on my report are due to me getting approved for a credit card. I called Citi to find out exactly why and one lady hung up on me, the other lady left me on hold for an hour then transferred me to an automated system. The customer service representatives did not want to answer my questions. I ask that my report, which is attached, be reviewed once again. There is no reason why I should be denied for the XXXX XXXX. I have $ XXXX credit limits with low balances and no lates. Is this due to discrimination? not sure why they would deny me. I would like to appeal their decision and get a credit card sent to my address listed.
Product: Mortgage

Shellpoint Mortage is absolutely horrible. Not only incompetent and unfriendly, but unethical. DO NOT DO BUSINESS WITH THEM. 

Our mortgage was transferred to them without our consent and they have entirely screwed up our plan to pay off our mortgage early - costing us years and XXXX  in additional interest. It's a fairly common practice to pay additional principal each month to pay off a mortgage early. Shellpoint forced us to send in a physical form to do so, and after several billing cycles of not applying additional payments to the principal of our mortgage, they told us doing so was not possible. Extremely incompetent, unethical, and borderline scammy. AVOID AT ALL COSTS.
Product: Credit card

This account is old ( Account # XXXX ), this account has been paid off and closed, debt has been settled on this account. I want this debt permanently removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX in in direct violation of FCRA 6802 ( a ) Except as otherwise provided in Subchapter a financial institution may not directly or through any affiliate disclose to a a non affiliated third party any non public personal information unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumers given the opportunity before the time that such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such information is initially disclosed to such third party : and c ) the consumer can excercise that non disclosure option, by reporting negative information without notification and consent of the consumer. XXXX XXXX XXXX FAILED to inform Principal that it would be reporting the Principals non public personal information to a XXXX  party and failed to get principals permissable purpose. 
15 U.S.C.1681 ( a ) ( 2 ) Exclusions Except as received in paragraph ( XXXX ) the term consumer does not include ( i ) report containing information solely as to the transactions and experiences between consumer and the person making the report. XXXX XXXX XXXX # XXXX. 
is illegally reporting this tradeline on my credit reports unlawfully regarding transactions and experiences violating principals and rights under the Fair Credit Reporting Act and oould be held for the Fair Debt Collection Practices Act as well. I am willing to attest in a courtroom that I never had an account with XXXX or XXXX XXXX XXXX.Therefore, I demand that ALL non public personal information, transactions and experiences be removed from my credit report immediately under the aforementioned consumer rights and laws.
Product: Money transfer, virtual currency, or money service

I started working for a new company, and in the first week set up direct deposit for my form of payment to my checking account with PNC. I must have entered the incorrect account number on the direct deposit form. ( I entered the number on my physical debit card ). However, in the first instance of direct deposit the bank caught the mistake and automatically redirected the funds in to my account. I appreciate the redirect, however I was not notified of the issue and therefore did not resolve it. On the second instance ( XX/XX/2020 ) the direct deposit was not redirected, but was instead sent back to my employer ( XXXX XXXX ). There was a third instance of this same scenario on the ( XX/XX/XXXX ) however at that point I noticed the error ( wrong account number explained above ) and called the bank to resolve that singular event ( from XX/XX/XXXX ) and i proceeded to fix my direct deposit form with my employer. Since XX/XX/XXXX I have still not received my funds which was two weeks pay at the amount of {$1400.00}. I have contacted the bank ( PNC ) and was told they could not provide me any documentation of the returned check, and therefore my employer, who requested documentation in order to pay me, can not pay me. I would like documentation of the returned check so I may request payment from my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX could not supply substantiation of alleged debt and closed accounts time has expired for their investigation
Product: Debt collection

Complaint submitted on XX/XX/2023, # XXXX. The company 's response clearly shows Credit Bureau System Inc. has reported harmful misinformation. XXXX XXXX XXXX, a female person, is repeatedly stated as XXXX XXXX. Given status is closed. Credit Bureau System Inc. replied, giving the wrong gender/wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

WE HAVE LIVED AND FINANCED OUR HOME VIA A VA LOAN SINCE XX/XX/XXXX AND HAVE NEVER BE LATE EVER.OVER THIS 30 YEARS OUR MORTGAGE HOLDERS HAD CHANGED TO NO LESS THAN 8 INSTITUTIONS.THE MORTGAGE CO. THAT HELD OUR LOAN WAS XXXX XXXX AND AFTER THE COLLAPSE OF THE MARKET IN XX/XX/XXXX, XXXX CONTINUED TO RECEIVE AND PROCESS OUR LOAN FOR AT LEAST EIGHT MONTHS BEFORE WE EVER NEW THAT THEY HAD SO OUR MORTGAGE TO OCWEN ! A DEBT.COLLECTING AGENCY! WITH A CREDIT SCORE OF OVER XXXX ( ITS MUCH HIGHER NOW ) ALL OF A SUDDEN OUR CREDIT REPORTS STARTED SHOWING UP A REMINDER OF A BANKRUPTCY FROM THE XX/XX/XXXX'S AS IF OCWEN WAS DOING ALL IT COULD TO TARNISH OUR CREDIT REPORT BUT IN THE MEAN TIME THEY REFUSE TO INFORM THE CREDIT REPORTERS THAT WE EVEN HAVE AND ARE MAKING REGULAR MONTHLY TIMELY PAYMENTS.I DID FILE SOME REPORTS AND DID GET A CONFIRMATION FROM OCWEN AND THE MENTIONING ON THE REPORT OF A MANY YEARS AGO BANKRUPTCY STOPPED AS WELL AS SOME KNIT PICKING REPORTING HAS STOPPED.WE ALSO HAD A LOAN MODIFICATION DONE WHICH FINALLY GOT OUR INTEREST DOWN TO 4.1 % AND OCWEN WAS FORCED TO DISCHARGE XXXX OF PRINCIPLE OFF OUR DEBT BUT ONLY TO REAR ITS HEAD 15 YRS. DOWN THE ROAD IN THE FORM OF A BALLOON PAYMENT IN WHICH WE WHERE ADVISED BY  THE COMPANY THAT HANDLED AND PROCESSED OUR MODIFICATION THAT IF WE PAY ABOVE THE {$390.00} PER MONTH MORTGAGE PAYMENT AND PAY THEM {$450.00} THE BALLOON WO N'T HIT THUS THAT IS WHAT WE HAVE BEEN PAYING THEM.BECAUSE OF NOTHING WE DID WE ARE STUCK WITH OCWEN A COMPANY FINED XXXX BY THE FEDERAL GOVERNMENT FOR BANKING PRACTICES THIS COMPANY REFUSES TO REPORT MY WIFE AND MY MORTGAGE PAYMENTS ON OUR CREDIT REPORT AND I HAVE BEEN ASSURED BY THEM IT WOULD BE CORRECTED IT HAS N'T! I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN WORKING ON RAISING MY CREDIT REPORT WHICH HELPS MY WIFE 'S IN TURN BUT AFTER I AM XXXX SHE WILL BE WELL PROVIDED FOR BUT SHE HAS FAR LESS CREDIT IN HER NAME SO OCWEN 'S FAILING AND REFUSING TO REPORT THAT WE DO INDEED HAVE AND MAKE REGULAR PAYMENTS AND THIS OMISSION DOES AND WILL DO HARM TO MY WIFE XXXX XXXX XXXX! ONE OF THE THREE CREDIT REPORTING CO. RAISED MY SCORE TO XXXX! AND THE OTHERS HAS ALSO IMPROVED, WONDER WHAT OUR SCORES WOULD BE WHEN ON THE LIST OF CREDITORS IT SHOWED A 30 YRS.HISTORY OF ON TIME PAYMENTS BUT AT LEAST, FAILURE OF OCWEN TO REPORT YOUR MORTGAGE AND TIMELY PAYMENTS IS CRIMINAL AS THEY ARE NOT A MORTGAGE LENDER BUT A DEBT COLLECTING COMPANY ABLE TO SKIRT THE LAWS THAT NORMAL LENDING PRACTICES ARE FOLLOWED.I WANT TO KNOW WHY THIS SITUATION HAS NOT CHANGE AND OCWEN BE TOLD TO FOLLOW THE LAW AND REPORT OUR MORTGAGE TO THE PROPER INSTITUTIONS THAT DEMAND SO.
Product: Checking or savings account

Received an email from chase that they are closing my checking account/debit card and no access to my funds. This is stressful as I have automatic deposits and deductions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX have inquiried hard pull in from my credit report with out my authorization and it's affecting my credit.
Product: Credit card or prepaid card

Citibank pulled my XXXX credit report on or around XX/XX/2018 without my authorization, placing a hard inquiry on my XXXX credit report 1. ) I am requesting why Citibank pulled my XXXX credit report on or around XX/XX/2018? 
2. ) Did Citibank also recently pull my XXXX or XXXX reports? 
3. ) Did Citibank pull my credit report concerning a new or current account? 
4. ) If a current account please provide that account number? 
5. ) if Citibank claims they pulled any of my credit reports in the month of XXXX under a Permissible purpose as defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ]. Please state the SPECIFIC reason?
Product: Credit card or prepaid card

Organization - PenFed Federal Credit Union Issue - Have attempted over 6 times now to apply for a credit product with the organization only to be told that there is " a system error '' which the organization has not been able to fix and provide me with some form of resolution for over 6 weeks now. 
Desired Resolution - I would like whomever is responsible for assisting me with completing my credit card application to complete the process and not transfer me several time on a 1 hour call only to disconnect when I request an update. If not, please advise on how I may go about closing my account and removing my funds expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my payments fully at the end of my billing cycle. This was very important because I needed to show 0 % utilization on my card. I am in the middle of purchasing a home and credit card utilization can hurt my score.

Penfed incorrectly reported that I had a balance on the credit card of over {$2000.00}. My credit score went  down 14 points, which put me below the limit of a good interest rate and increased my payments by {$350.00} per month between higher interest rate and Mortgage Insurance. 

I spoke with XXXX XXXX from customer service in Penfed Credit Union, who sent a request to the department of Credit Bureau Corrections to do a reversal and do a report of paid off balance. 

Attached you can see that my credit available is {$10000.00}, which is my maximum credit, meaning that I have XXXX balance on the card due.
Product: Debt collection

I recently checked my credit report to find that this company, Capitol Accounts LLC, had placed a collections on my report in the amount of {$350.00} for a creditor named XXXX XXXX. I have no knowledge of this debt that shows it was opened on XX/XX/2018. Nor do I have any knowledge of a company called XXXX XXXX, The only thing I could find on XXXX XXXX XXXX was a law firm in XXXX.