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

According to the Fair Credit Reporting Act, Section 15. U.S.C 1681 ( E ) ( B ) Procurement of consumer report for resale, A person may not procure a consumer report for the purpose of reselling the report ( or any information in the report ) Unless the person disclosed to the consumer reporting agency the originally furnishes the report. Per the IRS web portal Once an account has been moved to Charge Off status the Lender has filed a discharged debt to Cancel or forgiven the debt and the debt is now considered canceled or forgiven a 1099C Form should be issued due to the date being paid.

According to the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), you are required by federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could Fax, mail or email in a fraudulent account, According to the Fair Credit Reporting Act, Section 15 U.S.C 1681 ( A ) 2 Congressional Findings and statement of purpose. I did not give written permission to have these account furnished on my credit report, I demand to see verifiable proof An original consumer contract with my signature on it that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, Unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove these accounts listed below. 


I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Acct # XXXX {$140.00} Charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Acct # XXXX {$480.00} charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists AFFIRM INC  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX Acct # XXXX {$390.00} charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists AFFIRM INC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Acct XXXX XXXX {$400.00} charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Acct XXXX XXXX {$180.00} charged off as of XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX I noticed two with drawl from XX/XX/XXXX at a bofa in XXXX XXXX XXXX One withdrawal is for XXXX XXXXXXXX and then a second withdrawal of {$4600.00} at two different bank locations I live in XXXX XXXX XXXX XXXX and was not in the city at that date. I filed a fraud complaint with bofa on XX/XX/XXXX. I received an email from them on XX/XX/XXXX stating that the research is completed. " After reviewing the claim we determined that I received the benefit of the funds ''. I went to my local branch with this letter and the senior branch manager also said this is not an answer. Not one person from the investigation of the fraud contacted me. Each time I contacted the fraud department they said that they were getting the video to see took the money out. No one has ever called to ask what I look like! I know that someone went into the bank to with draw the money because the transaction is listed in the section called withdrawals not atm withdrawals, nor in the section of checks. On XX/XX/XXXX I went to the XXXX XXXX XXXX to file a theft report and they recommended that I contact this organization. I keep calling bofa to get more information but iI am no getting any information. I would like someone to talk to me who handled the complaint investigation. I would like my {$8900.00} back in my account.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXXXXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

BMO Bank in my checking account bill pay shows $ XXXX on a credit card and the prompt is to pay that amount on the due date. The actual balance due that should be paid to avoid penalties and interest is {$490.00}. That amount is not shown. I have to figure out how to find that. This apparent standard, deceptive practice has to cost unsavvy bank customers a great deal of money. It should be outlawed.
Product: Vehicle loan or lease

I have addressed the issue with the company, but still no resolution. I am in the process of trying to buy a house and Credit Acceptance refuses to remove the late payment erroneously report off my credit. I have bank statements reflecting the dates of payment made on time each month, which I have presented to Credit Acceptance. I have attached statements showing all monthly payments. The payment history sent to me was not accurate information regarding my account.
Product: Debt collection

Midland Credit Management has been harassing me daily via email, text message, and phone for about XXXX  months in regards to a debt that I supposedly owe. I do not have any contract with them and I am asking them to remove this from all XXXX of my credit profiles. They are bullies, they have threatened me on several occasions and I feel like I am being harassed.
Product: Mortgage

Initially, I purchased my home in XXXX, in XXXX my home was mortgaged with CitiMortgage at an 8.5 % interest rate. XXXX, XXXX, I applied for a modification to lower my interest rates, only. XXXX, XXXX, I suddenly lost my job after XXXX years and XXXX months with the same company, ( XXXX XXXX XXXX XXXX ). I panicked and mistakenly told CitiMortgage about my release, but I assured them I had comfortable savings account, interest from my IRA, unemployment and spousal support incomes. CitiMortgage accepted my monthly payments until XXXX, XXXX when they returned my check and XXXX, XXXX put my home in foreclosure. XXXX, XXXX, I went to XXXX. XXXX, XXXX, CitiMortgage resumed my mortgage loan for {$6400.00}, 20 years at 8.5 % interest rates. I returned from XXXX XXXX, XXXX. Citi Mortgage has falsified my credit report, quoting my last payment before foreclosure was XXXX, XXXX. I have bank statements of payments thru XXXX, XXXX. XXXX, XXXX CitiMortgage transferred my loan to XXXX XXXX XXXX. I have credit reports where I made monthly payments and there were no deductions from my principal balance. CitiMortgage has ruined my credit and refuse to make corrections. XXXX, XXXX, I had a XXXX Credit score and if they had left my loan as it was I would have paid it off when I went to XXXX. I want to file a lawsuit against CitiMortgage for {$200000.00} to payoff my home and the stress and discomforts CitiMortgage has inflicted upon me.
Product: Debt collection

On XX/XX/XXXX, I received a noticed from USAA stating that my account was past due by {$10.00}. I called them on XX/XX/XXXX, to find out what happened. I was told XXXX that they did not receive my XX/XX/XXXX payment. I gave the information regarding the payment and said that my payment was sent on XX/XX/XXXX. As a result of their " not receiving my payment '' they charged me a {$15.00} late fee. 

This makes at least the fourth time in the past year XXXX years that USAA has claimed to not receive my payment and has charged me at late fee. Over the past two years, they have reversed only two of the late fees due to a " lost check ''. I routinely pay my bills via bill pay and have not received any complaints of a check -- USAA is the only company that seems to have this problem. 

During the call I also asked XXXX to send me a printout of the late fees charged to my account over the past 10 years, and she said that USAA did not have the ability to process such a report request. She said that a lady by the name of XXXX from billing gave her this information to pass on to me. She would not allow me to speak to billing directly. 

At the end of the conversation, XXXX refused to reverse the late fee and she refused to send me the information that I had requested.
Product: Debt collection

Dear Credence Resource Management, I am writing to dispute yet AGAIN the fraudulent account you have reported on my credit file. XXXX XXXX is the supervisor and has took full responsibility of reporting this inaccuracy and should be punished and unable to access anyone 's private information. I have never conducted any business with your company, nor have I signed any application or agreement authorizing you to access or report on my credit. I also sent them letters and emails stating this was not my debt and they were suppose to cease collection yet they have continued to wrongfully report it causing me heart ache and pain. I plan to sue for {$1000.00} per violation and seeking to have XXXX jailed for using my personal information to her own benefit of meeting This is a clear breach of my privacy, a violation of my consumer rights, and a misrepresentation of facts under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Here are the key facts : I was the victim of identity theft, where a fraudulent XXXX account was opened in my name. Upon discovering this, I contacted XXXX, who investigated the matter, confirmed the fraud, and closed the account. XXXX XXXX responded on behalf of XXXX , confirming that I was not responsible for the account. Despite this, Credence Resource Management contacted me weeks later, falsely claiming I owed a debt related to the fraudulent XXXX account. I informed Credence that the account was fraudulent, and they requested I send a fraud form to XXXX, which I did. XXXX has acknowledged the fraud and confirmed that I am not responsible.

Despite never doing business with your company and after XXXX acknowledgment of the fraud, Credence has now inaccurately and unlawfully reported this account on my credit report.

This is a clear violation of my rights under the following laws : FCRA ( 15 U.S. Code 1681s-2 ) Duty to provide accurate information to consumer reporting agencies. Credence has reported false information, failing to correct it after being notified of the fraud.

FDCPA ( 15 U.S. Code 1692e ) Prohibition against false or misleading representations. Credence is falsely representing a debt that I do not owe, and reporting it to credit bureaus without any legitimate basis.

FCRA ( 15 U.S. Code 1681b ) Permissible purposes of consumer reports. Credence has no permissible purpose to access or report my information, as I never entered into any business relationship or signed any contract with your company.

I expect written confirmation of your compliance with this request within 10 business days of receiving this letter.
Product: Debt collection

XXXX XXXX is the state counsel of nm for fidelity national title He made the loan the closing the hud title and escrow setup for my land contract I was not offered any other type of financing Bought a home with cash down, paying what I was told " arrearages '' of a mortgage by countrywide to make the payments and refinance 7 or 8 years after. 
I was given HUD statements on the moneies moved around to make things fit, by XXXX XXXX and XXXX XXXX and then I was asked if I know the last 4 of the sellers social security number which I did not, then I was told that the XXXX XXXXXXXX XXXX is modifying the loan with the prior owners????? after 4 months it was sold to us? 
The issue is that ieven if I put more down to be ahead of payemnts the loan never caught up and it ended in a foreclosure filing The REC balance to payoff was under XXXX and the bank had a " set aside '' money and a " new loan no cash " done in XXXX, which fidelity, where XXXX XXXX works, knew that it was already sold to another and that the prior 2 owners could not encumber the house, despite this fidelity shows as " insurreer " for the bank XXXX XXXX XXXX works there, he made the deal and despite that the title company covered this fraudulenty loan in XXXX. This loan is not attachable to my house, and this " judgment " of the dated loan XXXX in XXXX is not collectable, from us, maybe from the " investor clients of bank XXXX XXXX and XXXX XXXX '' not us, they have harassed annoyed and really messed my life and threatenned us for years and years because they CAN use their leveralge, call in a FAVOR they are huge banks and title companies, and they ahve established war against a feeble XXXX old lady and myself hwo have put all our savings cash which the banks used for interest and overight loan and have not accoungted for to setoff the loan in XXXX. They returned a third of the cash about XXXX and embezzled the rest, of XXXX missing in " suspense '' accounts that are for bank profit and threaten us to foreclosue on our home we have continued control of over 10 years and paid cash. Pleaes collect from your " borrowers '' who sign the loan, for a inrem foreclosure the title must be in the name of the debtor and we did not sign now or anything about the XXXX fha investor loan " new loan no cash ''. You hsould stop giving money to the salcedos in florida and really make sure the people livein the home before bleeding cash to them. I included my gas bill I lived and controled this home for over 15 years, there is no fha loan possible iafter XXXX with the XXXX 's and XXXX XXXX XXXX KNOWS THIS., Silence breeds corruption.
Product: Checking or savings account

Closed account onXX/XX/XXXX. Transferred {$3800.00} from the account to another bank account but the transaction was cancelled. Since the account was closed Wells Fargo sent a cashiers check to me but I never received it. 

Then I filed a complaint but it was never resolved. Wells Fargo has stolen my {$3800.00}.
Product: Money transfer, virtual currency, or money service

Square is withholding my money for 3 months with no reason at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two notarized affidavits ; one dated XX/XX/2022 and another dated XX/XX/2022, requesting verification of an unverified account my credit report per my rights under the Fair Credit and Reporting Act. As of today XX/XX/2022, I have not received any verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX. I requested that both accounts acct # XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence of your license numbers and your registered agent ; XXXX ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. 
XXXX never produced any of the requested information above including any such contract with both my wet signature or theirs. 
The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character XXXX XXXX is in violation of multiple US Codes, Privacy Act of 1974 and FCRA. All XXXX accounts are to be removed from my credit report Per 15 USC 6802. XXXX has stated in their own privacy policy that I have the right to opt out of sharing to non-affiliate and they are not affiliated with any of the credit bureaus XXXX, XXXX XXXX, XXXX, Transunion, XXXX XXXX, XXXX XXXX XXXX etc.
Product: Debt collection

Good afternoon the company below is still effecting my credit. The debt has been in default for more than 6 years. The last payment was made on XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, NV XXXX Owner XXXX XXXX Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 2 Balance {$4700.00} Date Opened XX/XX/XXXX Amount Past Due {$4700.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount {$140.00} Months Reviewed 4 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1900.00} Balloon Payment Date Balloon Payment Amount Loan Type Note Loan Date Closed Date of First Delinquency XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX SC XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX 4. CHARGE OFF ACCOUNT CAN NOT XXXX XXXX XXXX XXXXXXXX, XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Account was closed XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. Chargeoff can not report balance XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. Chargeoff can not report balance XXXX Account Number : XXXX Please remove it from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Credit reporting or other personal consumer reports

I have submitted valid complaints against Experian and now I can no longer get through to a representative to check the status of a previous dispute. When I call Experian at XXXX MY only menu option is for a copy of my credit report or about my credit freeze. When I call Experian from my daughter 's phone the menu options are extensive! 

Because of my limitations on the Experian menu I am unable to check the status of MY report. The same report that Experian allows Companies to say whatever they want about me and my credit. The companies can reach them but I can't. 

Experian needs to explain why the amount of a debt from XXXX XXXX is different from the other 2 bureaus and then, they need to remove this debt as it is fraudulent. I have provided Experian with the documents I have provided to Portfolio Recovery and it needs to be noted that I have NOT RECEIVED ANY documents from XXXX XXXX in reference to the debt they claim that I owe. 

This is turning into a legal matter.
Product: Debt collection

We revieved a statment from XXXX on XXXX/XXXX/2016 and paid it on XXXX/XXXX/16. BUREAU OF MED ECONOMICS Reported us to the Credit Bureau without ever contacting us
Product: Credit card or prepaid card

I purchased a flight with insurance on XX/XX/30 it was for the incorrect date. I noticed and called the airline they refused to fix the flight they wanted to charge an additional {$100.00} to change or to cancel so I called to dispute it with my bank they canceled the dispute said its not an error but I never took the flight and it wasnt even supposed to leave til XXXX. XXXX XXXX, XXXX XXXX insurance and chime financial