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

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and TransUnion ) and several creditor companies. Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.
Product: Payday loan, title loan, personal loan, or advance loan

I am XXXX, XXXX XXXX, XXXX XXXX service member in the XXXX XXXX, received a mail today from Smartmoneycapital that I am eligible for a loan with low interest rates. 

I applied online and received a call from XXXX XXXX XXXX. He literally talked me into applying for Economic hardship program with some third party XXXX legal group when I told him over phone recorded line, I am not in Economic hardship, and once enrolled he asked me to stop payments to my clients without fully explaining impacts of it. 

I am not sure what is going on with Smartmoneycapital or XXXX legal group? 

The funniest part of the agreement is if the CREDITOR/ bank sues me for not making payments, I will have to pay for the court fees for cardoba group , which XXXX XXXX XXXX XXXX did not find it important to mention over phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently refinanced my vehicle loan through XXXX XXXX XXXX XXXX. Unfortunately, I also experienced some unforeseen circumstances ( Ive been XXXX  with XXXX and also paying for my XXXX, XXXX, XXXX  ) that prevented me from making my payment on time. I paid my payment 25 days late ( XX/XX/XXXX ) but paid it to a zero balance. I paid this payment with a debit card and the funds were immediately deducted from my account a and a receipt provided. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported that my payment was 30+ days last due. This was reported to Experian and XXXX, unsure of XXXX. I reached out to the XXXX and was informed that it took 4 days for my payment to post which was then 30 days and that they would remove it as a one time courtesy. I disagree with these business practices because even if they do remove it, Ill have 30+ days of an incorrect credit report. At a time where I may need to apply for XXXX XXXX to keep up with my medical expenses. Also, it doesnt seem like a courtesy when I wasnt actually 30 days late in the first place. There was no notification that if I paid with a debit card that their system would take 4+ days to reflect a payment on their end. They took it from me immediately with no issue. What possible payment method would post faster than debit? None! Im so disappointed with the lack of care and concern from XXXX and that this will happen again in the future because its their policy. It this isnt illegal credit reporting, its at the very least terrible customer service. I also think its unfair to expect the customer to go through the dispute process with all 3 credit bureaus instead of revoking the late payment themselves.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. 

Incorrect Address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX Incorrect Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : PERSONAL CURRENT ADDRESS IS XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX. 
MY PROPER FULL NAME IS XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

During the last one to two years, I have disputed trade lines from XXXX that are listed on all of my credit reports. Each time I have disputed, the items have all come back verified. XXXX, TransUnion, and XXXX have never disclosed to me their method of verification for these alleged debts. The credit bureaus have each used stall tactics such as claiming that I am not sending disputes on my own behalf despite me sending hand written letters on lined notebook paper in my own hand writing with my own signature. The credit bureaus have also attempted to have me perform disputes over the phone in order to get me to relinquish my consumer rights per the FCRA. The credit bureaus continue to circumvent my requests for method of verification. These alleged debts have remained on my credit reports which has adversely affected my credit profile and credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I Do not qualify for Time share Furloughed in XXXX  natural declared disaster no income
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX on my credit report since XX/XX/XXXX. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Under the FCRA section 605b, the XXXX XXXX XXXX are required by law to remove any fraudulent accounts and information completely from my XXXX XXXX. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Please remove the following fraudulent items from my Credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On the morning of XX/XX/year> I was notified by XXXX XXXX indicating that Southwest Credit Systems has placed an account for {$160.00} on my credit report. 

When I attempted to contact Southwest Credit Systmes on the morning of XX/XX/year> for further details about this alleged debt, I was informed that no information could be provided to me unless I first made a payment. This lack of transparency is concerning and leaves me unable to verify the legitimacy of this debt. 

As a consumer, I have the right to understand the nature of any debt attributed to my name. I respectfully request detailed information about this account, including : 1. The original creditors name and contact information. 
2. The date of the debts origination. 
3. An itemized explanation of the amount owed. 
4. Proof that this debt is valid and associated with me. 

I would appreciate a prompt response to this matter to ensure that this account is legitimate and has not been reported in error. Please provide this information at your earliest convenience so that I may address appropriately.
Product: Checking or savings account

FIRST OF ALL ON XX/XX/23 I FOUND A MISTERIOUS DEPOSIT IN TO MY SAVINGS ACCOUNT 0F {$2500.00} THEN THAT SAME DEPOSIT WAS TRANSFERED FROM MY SAVINGS ACCT IN TO MY CHECKING ACCT, WHILE IM TRYING TO FIGURE OUT WHAT HAPPENED WITH THIS TRANSACTION THAT I DID NOT RECOGNIZE TWO DAYS LATER ON XX/XX/23 I FOUND SOME MORE MISTERIOUS TRANSACTIONS THAT I DID NOT RECOGNIZE NOR I APPROVED I FOUND ONE OF {$1000.00} AND ANOTHER OF {$80.00}. THAT WERE TRANSFERED FROM MY SAVINGS ACCOUNT TO MY CHECKING ACCOUNT. THEN ON MY CHECKING ACCOUNT THE SAME DAY I NOTICED THAT A PAYMENT OF {$3500.00} WAS MADE TO A XXXX XXXX IN XXXX MICHIGAN AND AN ATM WITHDRAWAL OF {$130.00}. NON-OF THOSE TRANSACTIONS DID I RECOGNIZE NOR I APPROVED. SUPPOSEDLY THEY SAY THEY SENT ME 4 NOTIFICATIONS TO MY PHONE NUMBER AND THAT I REPLIED OK TO APPROVE THE CHARGES HOWEVER I DO NOT HAVE ANY MESSAGES FROM BANK OF AMERICA THAT DAY NEITHER I HAVE SUCH MESSAGES ON MY PHONE RECORDS FROM MY CARRIER. 2 DAYS LATER AFTER CALLING BANK OF AMERICA TO FIND OUT ABOUT THIS CLAIM I WAS INFORMED BY THE BANK 'S REP ABOUT 3 FRAUDALENT CHECKS WITH AMOUNTS OF {$4500.00} EACH TOTALING {$13000.00} WRITTEN FROM A LADY IN NEW YORK WITH A XXXX BANK ACCT TO A PERSON WITH THE SAME NAME AS MINE, XXXX XXXX STATING THAT THE MONEY CAME OUT OF MY BANK ACCOUNT AND THEREFORE I OWE THAT MONEY TO BANK OF AMERICA. 
THIS 3 CHECKS THING SOUNDS VERY CONFUSING TO ME AND HONESTLY, I FEEL LIKE SOMEONE IN THE BANK MADE A MISTAKE AND IS TRYING TO COVER IT OR FIX IT OR THERE IS INTERNAL FRAUD FROM WITHING BANK OF AMERICA. THE FRAUD CLAIM OF {$3500.00} WAS ALREADY CLOSED BY BANK OF AMERICA SAYING THAT THEY WILL NOT PAY IT AND THE 3 CHECKS OF {$4500.00} EACH IS TAKING TOO LONG TO RESOLVE AND EVERY TIME I CALL THE BANK, THEY DONT HAVE ANY NEW INFORMATION OR THEY SEND ME TO THE WRONG DEPARTMENT OR I HAVE TO WAIT ON THE PHONE LINE 30 TO 45 MINUTES TO GET DISCONNECTED. I DON'T KNOW WHAT'S GOING ON WITH THEIR OWN INVESTIGATION THEY HAVE NOT SENT ME ANY EMALIS NOR CALL ME TO GIVE ME AN UPDATE. I FILED A POLICE REPORT ( REPORT # XXXX ) FROM THE XXXX ARIZONA POLICE DEPARTMENT AND XXXX XXXX XXXX ADVISED ME TO CONTACT THE CFPB AND THE FBIA AS WELL SPECIALLY SINCE IS BELIEVED THAT THIS IS A FRAUD WITHIN BANK OF AMERICA OR AN INTERNAL MISTAKE THAT ARE TRYING TO COVER.
Product: Credit reporting or other personal consumer reports

Could you please review the documents to confirm adherence to FCRA 605B? Some accounts listed on my credit report appear to be incorrect, leading to discomfort.
Product: Debt collection

XXXX XXXX i went through a divorce and during that process debt was divided.During this time my finances were in crisis as he was the main provider This credit was to be paid by my ex partner. I attempted to resolve this issue once i was able to get a full time job towards the end of XXXX which shortly after was affected by covid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2013 ; XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

In a letter dated XX/XX/year>, you were notified of inaccurate accounts on my credit report and many FCRA violations. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. I have attached the dispute letter, which is dated, and time stamped.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Cashapp allowed fraudulent and unauthorized transactions of more than XXXX $ to be deducted from my account at XXXX XXXX and XXXX XXXX XXXX K respectively. Again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same XXXX merchants successfully frauded me a settled total of XXXX $ through my cash app card. I reached out to XXXX XXXX Fraud Investigations officer XXXX XXXX who after checking confirmed to me that my card has been used at XXXX different XXXX locations since XXXX. The XXXX $ and XXXX $ transactions on XX/XX/XXXX and XX/XX/XXXX was looking like test transactions to make sure the counterfeit card was going through. 
I have take the information and files a police report at XXXX ( case : ID Theft Report XXXX ) for the counterfeit credit card fraud, after being advised by XXXX herself. I have also followed and reported the same to Cash App XXXX XXXX XXXX Bank but none has come out to show me that they are really out to help me address my issues and get my refunds back.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase on my CareCredit Card in the amount of {$2000.00} through XXXX XXXX XXXX for a XXXX for my dog. This was the deposit amount. On XX/XX/XXXX, I made a purchase on my CareCredit Card in the amount of {$3100.00} that was the balance for the XXXX. Both of these purchases are reduced interest purchases that require a minimum monthly payment. 

On XX/XX/XXXX I made a payment in the amount of {$120.00} ( I called in to give direction that {$75.00} of this was to be applied to the purchase in the amount of {$3100.00}, {$48.00} of this was to be applied to the purchase in the amount of {$2000.00} ). CareCredit offers no way to apply these payments aside from calling in directly after making a payment and requesting the payment be applied to specific promotional purchases. During this discussion, I learned that my minimum payment to meet these 2 purchases is $ XXXX towards both. 

I made my next payment on XX/XX/XXXX in the amount of {$220.00} ( I called in to give direction that {$76.00} of this was to be applied to the purchase in the amount of {$3100.00}, {$49.00} of this was to be applied to the purchase in the amount of {$2000.00}, {$100.00} of this was to be applied to the oldest deferred interest promotional purchase ). 

On XX/XX/XXXX I made a payment in the amount of {$120.00} ( I called in to give direction that {$76.00} of this was to be applied to the purchase in the amount of {$3100.00} and {$49.00} of this was to be applied to the purchase in the amount of {$2000.00} ). 

On XX/XX/XXXX it showed that I had a minimum payment due of over {$300.00}. I called in to inquire and they informed me that the payment made on XX/XX/XXXX was not applied to my reduced interest purchases. I was informed that it could not be corrected once a payment was applied. I informed the company that their error in accounting was not my issue. I was informed that I would need to speak to a manager every time I called in to ensure my payment was applied correctly. While on the phone, I made my usual {$220.00} payment ( with direction that {$76.00} of this was to be applied to the purchase in the amount of {$3100.00}, {$49.00} of this was to be applied to the purchase in the amount of {$2000.00}, {$100.00} of this was to be applied to the oldest deferred interest promotional purchase ). 

As of this date XX/XX/XXXX I still show a minimum payment due of {$84.00}. This is not accurate and they are not applying my payments as requested. I attempted to speak with a manager today and was left on hold for 30+ minutes, never speaking with a manager. These practices are very deceptive and their application of payments are not accurate. I should not have to jump through this many hoops to ensure I get my bills paid off in time. Due to their error, they are informing me that my payment can not be applied as I requested on XX/XX/XXXX. I am familiar with accounting and there is no reason they can not accurately apply my payment as requested.
Product: Debt collection

On XX/XX/2022 I received a debt verification letter from your company. In response to that letter, on XX/XX/2022 sent certified mail, within my rights according to the FDCPA I sent a validation of debt letter requesting specific information on the alleged debt. On XX/XX/2022 I received the same letter with no additional documents failing to honor my written request concerning the validity of the alleged debt which from my understanding is a violation to the FDCPA. How is the alleged debt validated and verified?
Product: Checking or savings account

On XX/XX/21 I received a Citi Priority debit card in the mail. I do not bank, nor have I ever banked, with Citi Bank. I never opened an account or requested an account or debit card. I immediately called Citi bank and had the debit card and associated checking account closed and reported it as fraudulent. 

The account was blocked by Citi Bank and I was forwarded to the fraud/identity theft dept to report the card/account where I also received additional fraud monitoring assistance. I was happy with this resolution. I am reporting it to the CFPB for documentation purposes only in the event that this is a larger issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Checking or savings account

RE : Complaint XXXX about HSBC HSBC offers a  {$200.00} bonus to open an online checking account. I applied months ago and was declined. The ending questions were supposed to be about my credit, and none of the questions were about me or my lenders. I complained to CFPB. HSBC just replied this date, XX/XX/XXXX, saying they did nothing wrong. So I tried to apply again and was declined. This time I printed everything. Question 1 asks me if I  opened an account in XX/XX/XXXX from XXXX, XXXX XXXX, XXXX, or XXXX. No, I didn't. These are not my accounts. Question 2 asks me about XXXX XXXX ; yes, that's my account. Question 3 asks me about a mortgage I opened in XX/XX/XXXX, but that mortgage company, XXXX XXXX, is not listed in their multiple choice. Question 4 wants me to report the mortgage monthly payment, and my payment is higher. Question 5 says I closed an auto loan, but XXXX is not listed. I obviously will not be able to open this online checking account and receive the {$200.00} bonus because it expires in 2 days. Please see the printouts I've attached. HSBC says " Unfortunately, there were discrepancies in the information provided when compared to your credit report and the applications in question were declined. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit company dispute online service is always not working to dispute your incorrect information on report. I have a freeze as well on my credit report with them and to no avail, I can not get a person on the phone at all it's Ludacris.
Product: Credit reporting, credit repair services, or other personal consumer reports

as I disputed this account with Equifax 2 previse times and again in XX/XX/2018, I aslo disputed it with XXXX XXXX XXXX, in which they sent me a letter on XX/XX/2018 stating that there client has not validate debt with them and will discontinue all collection efforts, yet Equifax still showing its under investigation, please find letter attached. and that Equifax has token more then the 30 days allowed,
Product: Debt collection

According to XXXX XXXX, there is an open collection account from First Credit Services on my credit report. I XXXX the number and called First Credit Services to find out more information about this {$92.00} debt. I spoke to XXXX XXXX on XX/XX/21 at XXXX and provided her with my date of birth, social security number, and address but I was told there is nothing in the system for me. I listened on the phone while XXXX XXXX called her boss over to look at the computer and figure out where my account was. They asked who the original contractor was and I provided them with the information shown on XXXX XXXX. They said " We don't see anything for you. We can't find it. We no longer have this account. We have exhausted all efforts to collect on this and we no longer have the account. '' If this is the case, why is this collection agency on my credit report in the first place? 

Please remove it immediately from all reports.
Product: Checking or savings account

Wellfargo charged me monthly maintenance fee. I deposited {$340.00} on XX/XX/2020 @ XXXX via XXXX before the withdrawal {$340.00} on XX/XX/2020 @ XXXX via ATM, but Wellsfargo posted the transactions on two different days and reversed! The ATM withdrawal is on XX/XX/2020 ( same day which is impossible! ) and XXXX deposit on XX/XX/2020. Then, they charged me for monthly maintenance fee. 

Also, I contacted them 3 days ago and they haven't replied anything yet. I have all the documents to prove these incidents.