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

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. I believe it is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile.

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report.

2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report.

3. Personal Information : The reporting of personal information such as names, addresses, phone numbers, and employers is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information.

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information.

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ).

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ).

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with Experian, XXXX, and XXXX. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested.

10. Correction of Personal Information : I request the correction of personal information to reflect only one name on my report ( XXXX XXXX ), one address ( XXXX XXXX XXXX XXXX XXXX TX XXXX ), one phone number ( XXXX ) and no employers. 

11. Deletion of Personal Statement on XXXX, XXXX, Experian Report : I request the immediate deletion of the personal statement on the XXXX, XXXX, Experian consumer report and the balance of credit scores.

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in Experian, XXXX, and XXXX systems concerning my consumer report. 

13. Compensation : I request {$1000.00} per violation in accordance with applicable laws.

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

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

I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( discover- {$11000.00} ) and the other ( XXXX XXXX {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.
Product: Debt collection

I am extremely frustrated and disappointed with the unethical and unlawful actions of CBE GROUP. They are blatantly violating both federal law and the arbitration agreement tied to this account, and its causing unnecessary stress and harm to my financial wellbeing. The original agreement for this account explicitly states that any disputes must be resolved through arbitration. Despite this binding agreement, CBE GROUP has chosen to completely ignore the terms and proceed with collection activity outside of arbitration. 

This is not only a breach of the agreement but a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, misleading, and unfair practices. Their actions are reckless and show a complete disregard for the law, as well as the rights of consumers like me who trust that agreements will be honored. 

Their failure to comply with the arbitration clause has led to this fraudulent collection account being reported to the credit bureaus, damaging my credit score and causing me unnecessary emotional and financial distress. I feel completely powerless against a company that refuses to follow the rules and is actively harming me in the process. 

I am angry and fed up with this disregard for legal agreements and consumer protection laws. THEY MUST BE HELD ACCOUNTABLE.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX, I saw some late payments on XX/XX/XXXX and XX/XX/XXXX there were suppose to be on time. Me and the creditor talked about " I wouldn't marked late because I had things going on because of the pandemic. I sent a letter to XXXX, Equifax, and XXXX to get this fix but they still said everything is reporting correctly. But it's not being reported correctly, and is a violation of FCRA 15 U.S. Code 1681 ( a ) ( 1 ). Can you help with this important matter. Thank you in advance!!!
Product: Mortgage

On XX/XX/XXXX, I contacted my mortgageServicer company and requested that they remove the monthly private mortgage insurance of {$170.00} because my loan-to-value, based on a recent appraisal, decreased to 66 %. I sent them the appraisal performed by a licensed appraiser. 

On XX/XX/XXXX, Freedom sent a message to my mortgage account indicating they received my request, they will research it, and anticipated an answer on XX/XX/XXXX. 

On XX/XX/XXXX, I received a message from Freedom indicating that my account passed the 2-year seasoning period, but exceeded 80 % LTV. It then stated I could lower the LTV by paying {$33000.00} or obtaining a broker price opinion or an appraisal evaluation. 

On XX/XX/XXXX, two Freedom reps on the phone said the LTV was based on my home 's value at closing, 5 years ago, even though I already sent them an appraisal from a licensed appraiser that was done XX/XX/XXXX. The message they sent me on XX/XX/XXXX said I could obtain an appraisal. Now, they want me to pay for another appraisal and an appraiser they choose. 

It is clear, they will do whatever it takes to make it costly to me and NOT terminate my PMI and this appears to be a clear violation of The Homeowners Protection Act of 1998 ( HPA ), 12 U.S.C. 4901. et seq., also known as the PMI Cancellation Act, was signed into law on XX/XX/XXXX, became effective on XX/XX/XXXX, and was amended on XX/XX/XXXX.
Product: Debt collection

XXXX XXXX sold off account to Selip & Stylianous LLP. Without notifying me that the account was sold off, Selip and Stylianous sent me via the XXXX County Court System a notification that they are suing me on behalf of XXXX XXXX. When I contacted XXXX XXXX, they said that the account was not theirs anymore and had nothing to do with the lawsuit. I inquired to Selip and Stylianous LLP about why they never contacted me before suing me and they would not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate information. They are well beyond the 45 day allotment to verify information. They have violated many aspects of the Fair Credit Reporting Act and I have a pending legal case against them. The case numbers is XXXX.
Product: Prepaid card

I purchased this card with My Drivers license for my daughter so she could use it for her XXXX XXXX account, I loaded the card with {$17.00} initially and then {$45.00} 3 days later so she could charge {$32.00} on the card. Upon entering the prepaid card on the XXXX website the card was charged {$32.00} it deducted from the funds available on the card but XXXX said she still needed to pay the balance confused I contacted PLS customer service number apparently there was a " HOLD '' placed on the card for {$32.00} it took 7 business days for that hold to drop off, I had to pay {$32.00} with my personal major credit card for my daughter when the entire purpose of me buying her this prepaid card was so that she could shop online and with her XXXX account without me having to use my Major Credit card. I spoke to supervisors and XXXX csr reps and none of them could explain to me why I had to wait 7 business days to get my {$32.00} back on the card for my daughter. XXXX rep even advised me the card was never activated, I activated the card personally and I know that is not true, anyway we waited the timeframe to get the money back on the card and it still was not available by the date XXXX at Midnight as promised I had to call AGAIN to have it manually added back to her card. I think this card is a fraudulent prepaid card and should be investigated I even contacted the PLS on XXXX XXXX in XXXX IN where I purchased the card demanded a Store Manager contact me, I never received a return call. These people are taking money from consumers for a prepaid card that does not actually work. I am so grateful that I stopped the Direct deposit of {$400.00} that I was going to put on it for my daughter every month for her allowance. It took us one week to get {$32.00} off the card there was no way I was going to risk putting more funds on this card. 
My child also tried to use the card on XXXX, XXXX and XXXX to buy some pink tights and the card declined each time for {$6.00} when she had {$55.00} on the card. 
I believe there is something shady about this company and it needs looking into to protect other consumers so they will not have to go through all that me and my daughter went to through to try and use their prepaid card. It does not work and it is a low budget company with poor customer service and poor management.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I believe that Windham Professionals violated the Fair Debt Collections Practices Act when this company contacted my mother by phone on XX/XX/XXXX and spoke with her about a debt I allegedly owed before making an adequate attempt to reach me first regarding the matter. 

The original creditor has at all times had my correct address, phone number and personal email address. Both the original creditor and Windham Professionals, however, had not mailed me a letter, left me a voicemail or sent an email to my personal account prior to Windham Professionals contacting my mother ( whose phone number I had provided to the original creditor as an emergency contact ). Only after calling and speaking to my mother did Windham Professionals send me a letter in the mail concerning this alleged debt ; the letter was dated XX/XX/XXXX and was sent to my home address which the original creditor has had on file for years. As such, I believe that Windham Professionals violated the FDCPA by contacting my family member concerning an alleged debt before making a good faith effort to reach me. 

Additionally, I believe that Windham Professionals is violating the FDCPA by attempting to assess fees to which it is not legally entitled. Windham Professionals has indicated that the amount I owe is {$1800.00} and that I also owe {$410.00} in fees. The original creditor, however, unconditionally and permanently waived all fees, penalties and interest as a pandemic concession. The original creditor sent no less than three emails to me attesting to this waiver ( the emails were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). As such, I believe that Windham Professionals is violating the FDCPA by attempting to assess fees it has no basis in fact or law to charge me. 

Finally, I believe that Windham Professionals is violating the FDCPA by attempting to collect a debt for services that it knowsor should reasonably knowis for services that the original creditor failed to provide in full. The original creditor is a public educational institution and the alleged debt concerns fees and tuition for the XXXX XXXX semester when the pandemic hit. By state statute, the original creditor was required to provide a specific number of contact hours per credit hour, but it failed to do so when it cancelled all in person classes and moved all instruction online. The original creditor failed to ensure that students continued to receive the requisite number of contact hours of instruction ( or any instruction at all in some cases ) once classes were moved online. It is beyond belief to think that Windham Professionals has no knowledge of all the legal challenges nationwide concerning tuition and fees assessed by educational institutions during the XXXX XXXXXXXX semester. Consequently, by failing to seek legal confirmation of a questionable debt prior to seeking collection of it, Windham Professionals appears to have further violated the FDCPA.
Product: Debt collection

I do not have done any business or signed any documentation with this company. This is a direct violation of my rights per the Fair Credit Reporting Act 15 usc 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is saying that my last dispute came from a third party when it was me who submitted this dispute. I need a response from Experian regarding this complaint & not a computer generated response or a request saying that I need to call them to authorize it. This is a stall tactic that theyre using & Ive submitted the closed complaint to my attorney
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). TransUnion is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt. 

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( 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 ''. How is it possible that maximum accuracy is assured when the company is verifying erroneous information to the CRA through an ACDV, and hasn't provided you with proper validation of the debt? 

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA.

Please provide information to the following questions When was the dispute started internally at TransUnion? 
When was the dispute sent to the original information furnisher? 
When did TransUnion receive a response from the original information furnisher? 
What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as TransUnion is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX Trans Union XXXX, UNITED STATES XXXX XXXX XXXX, FOR THE THIRD CIRCUIT, No. XXXX XXXX XXXX XXXX, the judge ruled that TransUnion violated the Fair Credit Reporting Act by failing to compare evidence. TransUnion has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit card

Capital One Charges high interest rates on cash advances. Capital One also punishes clients who pay off the balance to avoid high interest rates. This is unethical and in violation of the general tone of federal guidelines. The holds are governed without checks and balances for clients. The company have a policy to call the bank the payment was issued to avoid holds but their syst will still block the payment even after that step is taken. The hold is to verify funds so to have an internal system that can not changed even after the alleged reason of holding the payment is solved ( by calling the bank solves the issue ) is unethical.
Product: Debt collection

Caller would not identify himself, his company or the reason for calling. He was rude, evasive and asked inappropriate questions. My XXXX year old husband and I were verbally harassed about a debt we are not resposible for. I determined that the individual was calling from Diaz and Associates by looking up his phone number online.
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 XXXX XXXX XXXX # # # # # # # XXXX, XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX # # # # # # XXXX 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. 
Account XXXX : XXXX XXXX XXXX
Product: Debt collection

I have already taken care of this debt. And they sold it to This company Red Cedar associates and I get threating phone calls that need to cease and desist.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased {$2.00}, XXXX ( XXXX {$500.00} each ) of prepaid XXXX  cards at a grocery store that were issued by Incomm. When I opened the packaging on the cards, I saw the last XXXX digits were missing on XXXX out of XXXX cards. In addition to the last XXXX digits being missing, the back of the respective card had no cvv code. 

I opened a complaint with Incomm and was assigned case # XXXX. I sent documents showing the missing numbers on the card as well as a picture of the receipt. 

On XX/XX/XXXX, I received an email saying I would be issued replacement cards within 7-10 business days. It has been 20 business days but I have not yet received the replacement cards. 

I have called the company multiple times to ask them to resend new replacement cards with a balance of {$1000.00}. As of my last call on XX/XX/XXXX, the customer service rep initially said that given the 7-10 business days timeline had long since passed, she would need to talk to her supervisor about sending new replacement cards. After talking to her supervisor, she came back on the line and said they can not issue new replacement cards and I needed to wait until XX/XX/XXXX, before calling back as maybe the original replacements cards had been delayed. 

Given that its been more than 30 days since the original complaint and the fact that the replacement cards have most likely been lost in the mail, I am filing a CFPB complaint rather than waiting on whatever new timeline Incomm makes up.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a letter to the bankruptcy court asking if they sent any information to any credit bureau agencies on information on me and they responded with a letter on XX/XX/year> clearly saying they do not and did not send any information pertaining to a bankruptcy to any credit report agencies. The information pertaining to LexisNexis, XXXX, XXXX and XXXX and all credit reporting agencies are in accurate, false and misleading. It is hurting my credit score and damaging me commercial.
Product: Checking or savings account

I signed up to open a new Checking and Savings account with Citibank in XX/XX/XXXX, with the following terms : Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 consecutive calendar days. Get {$400.00} deposited to your account! There are additional terms in the fine print that says I have to wait an additional 90 days from when I meet the criteria above to receive the {$400.00} payment. The total {$15000.00} deposit was made on XX/XX/2018, which means that the 60 + 90 Day deadline would have been XX/XX/2018. I confirmed with Citi multiple times via chat and phone calls that I had met the eligibility requirements, and all I had to do was wait for XX/XX/XXXX for the credit to post. After XX/XX/XXXX, I called in as it had not posted, and the rep opened a promotions dispute on my account, and told me that I would have an answer within 3 business days. ( Citibank Service Request # XXXX ). A week has passed, and I have yet to hear from Citi or receive the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company multiple times and sent a communication to the company via XXXX advising the debt does not belong to me and requesting the validation of the debt be sent to me and the item be deleted from my credit report. I have filed a CFPB complaint that XXXX XXXX XXXX responded to as " the complaint does not belong to them ''. If they are stating that the complaint does not belong to them, why is it on my credit report. The social security number and date of birth does not match!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to remove unauthorized hard pulls by XXXX  XXXX  and XXXX was nver investigated