23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to National Credit Adjusters ( NCA ) at XXXX XXXX XXXX XXXX, XXXX, KS XXXX requesting validation of a debt being reported by them to all three credit bureaus per Texas Finance Code Section 392.202. I specifically stated in the letter my requested action of deletion if they could not provide validation of the alleged debt in the 30 day time frame provided by Texas Finance Code Section 392.202.

Specifically written : Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) I received a return notice on XX/XX/XXXX stating that they could not complete an investigation in 30 days because it was not enough time and instead of deleting the tradelines as requested- THEY decided that I instead wanted to dispute the items - disregarding my specifically stated request in the first letter which is in line with TFC Sec. 392.202 ( d ) ( 1 ). So on XX/XX/XXXX all three credit bureaus were updated to incorrectly reflect a customer initiated dispute and have since reported incorrectly. 

On XX/XX/XXXX, I responded with the following via certified US Mail : In no section of the letter did I request a dispute but specifically I requested validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt. This account was updated to report disputed status on all credit reporting agencies on XX/XX/XXXX, which is inaccurate because the account was never disputed. 

You responded that you would need more than 30 days to investigate because 30 days is seldom a sufficient amount of time for such research and investigation. Considering this information, I am requesting again a complete deletion of the tradeline on all three credit reporting agencies as I requested in the initial letter in accordance with Texas Finance Code Sec. 392.202. Subsection d. 

I appreciate your assistance in this matter. 

They signed the certified receipt on XX/XX/XXXX and still have not deleted the tradelines or provided any proof to validate the account. The account remains reported inaccurately. 

All correspondence is attached below.
Product: Student loan

Sallie Mae : Refund Check Status I refinanced my loan with XXXX XXXX because my interest rate kept going up and each payment barely made a difference to my balance. XXXX XXXX approved my new loan and paid off Sallie Mae leaving a balance of {$280.00}. I called them multiple times to reissue me a refund check since that {$280.00} belongs to me. 

I called in XXXX and was told the check was issued on XX/XX/XXXX. 

XX/XX/XXXX Called Wednesday XX/XX/XXXX to give me a status on my refund check.I was told yet again, the check was sent on the XXXXXX/XX/XXXX. Yet it has not arrived. Yet it has not arrived. They also told me they will take 10 days to stop the check and resend a new one. 

XX/XX/XXXX Called Sallie Mae on the status of my refund check. I was told that check # XXXX was reissued on Tuesday XX/XX/XXXX. The check should take 7-10 business days to arrive. 

XX/XX/XXXX It is XX/XX/XXXX. 12 business Days after check # XXXX was reissued. I still have not received my refund check. I did receive a letter sent to my cosigner mentioning the amount I paid in interest for XXXX. So no I am wondering. How did I receive this letter before the actual refund check.
Product: Bank account or service

On XX/XX/XXXX I deposited an out of state check from XXXX XXXX bank of XXXX CT into my Chase bank checking account for {$2600.00}. I had an available balance of {$1100.00} and a hold to be released on the check of XX/XX/XXXX. I made XXXX online payments to XXXX and XXXX visa for a total of {$1000.00}. I subsequently received an email from XXXX indicating the payment was refused and I was no longer able to make online payments until I setup another account. I contacted my local branch on XX/XX/XXXX and was told that the account was restricted with no other information as to why. I spoke to XXXX XXXX and XXXX XXXX at Chase branch with no information given ... Chase also locked up my payroll deposit from XXXX deposited on XX/XX/XXXX. Subsequent conversation with my payroll department indicated that Chase took the payroll check and they could not pay me until Chase returned the money. In conversation with Chase branch manager XXXX XXXX on XX/XX/XXXX she indicated that the account will be closed and the check if it clears by XX/XX/XXXX a check would be mailed to me. The original amount ( {$2600.00} ) was deducted from the XXXX checking account on XX/XX/XXXX.They are now going to hold the deposited check for XXXX or more days ( original release date was XXXX and is now after XXXX. I have attached copies of Chase website showing balance and release date, XXXX notification, XXXX checking account activites, and a copy of Chase lettter dated XXXX mailed XXXX and received by me on XXXX with no explanation of what the problem was or how to fix this unknown problem. The XXXX account belongs to a childhood frien that I have power of attorney as he has had a XXXX XXXX and a XXXX ...
Product: Credit reporting or other personal consumer reports

I have provided Experian the information from the lender showing the payment for XXXX was paid on-time. Experian opens then closes the dispute within 24 hours without properly investigating the validity of the item. The balance statement and payment history clearly show the payment was made within the terms. Experian is purposely not investigating the item for validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$230.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX WY XXXX XXXX KY XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ;
Product: Mortgage

I filed a complaint about them holding my principal payments in a suspense account instead of applying them to the principal on my loan. You contacted them and they moved the funds yesterday and today they have moved them back. I have contacted the company and they don't know what is going on. I don't want to have to wait another 4 months to have them attempt to remedy the problem.
Product: Debt collection

I setup an alarm service with third party dealer XXXX who worked with XXXX XXXX back in XXXX. Completed contracted time as of XX/XX/XXXX with written letter. the issue came XX/XX/XXXX when XXXX XXXX stated I owed a debt of XXXX. I never recvd any info from XXXX XXXX  states I owed them from XX/XX/XXXX to XX/XX/XXXX. However, they stated thats when the collection begin for approx XXXX on XX/XX/XXXX. XXXX XXXX  or perfection collection the debt collect stated ( reaged the debt to state the collection begin XX/XX/XXXX which is incorrect. This company has perform Financial defermation of my character. not to mention has commitment an illegal act on me. I have spoken with XXXX  who states the debt is approx 233 and the date the collection started was XX/XX/XXXX. eventhough I have never owe the debt to begin with it is now out of the statue of limitation of 7 years and MUST BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : Paramount Recovery SYS  Account number:XXXX Account name : Paramount Recovery SYS Account number : XXXX 15 U.S.C 1681 Section 602 A4. 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 7 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. 

15 U.S.C 1681 b- permissible purpose. 

15 U.S.C 1681 E- compliance procedure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has continued to report negatively since 2019 in which loan number XXXX was paid in full through the sale of the home. I have requested documentation they have to show the loan was open past 2019 and nothing has been provided. I have requested numerous times XXXX XXXX  stop reporting and to date no response however negative reporting continues.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Removal of Unverified Charge-Offs from My Credit Report Dear CFPB, I am disputing the charge-offs appearing on my credit reports that are unverified and inaccurately reported. These accounts are negatively affecting my credit standing, and the furnishers have failed to provide proper verification of the debt, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

Disputed Charge-Off Accounts : Creditor Name Account Number ( Last 4 Digits ) Charge-Off Amount Credit Bureau Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Experian, Equifax, TransUnion ] XXXX XXXX XXXX XXXX XXXX XXXX [ Experian, Equifax, TransUnion ] XXXX XXXX XXXX XXXX XXXX XXXX [ Experian, Equifax, TransUnion ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, Equifax, TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Experian, Equifax, TransUnion ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Experian, Equifax, TransUnion ] XXXX XXXX XXXX XXXX XXXX XXXX [ E
xperian, Equifax, TransUnion ] Legal Violations and Basis for Dispute : FCRA 15 U.S.C. 1681e ( b ) - Duty to Maintain Accuracy : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. These charge-offs have errors and must be verified or deleted.

FCRA 15 U.S.C. 1681s-2 ( a ) - Responsibilities of Furnishers : Furnishers must not provide inaccurate or outdated information. Since these charge-offs contain errors and unverifiable information, they must be deleted if they can not be proven accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been an ongoing dispute since XXXX where XXXX XXXX has attempted to defraud me out of money. They not only refuse to provide any documentation that any money is owed, but Equifax refuses to provide any documentation as well. The disputed issue is now 7 years old and is required by law to be removed from my credit report. To stop the removal the date of the dispute has been fraudulently changed by Equifax to XXXX. Both other credit bureaus have removed the fraudulent information. 
Your bureau has investigated this before and had it removed, as you found there was no basis for XXXX Claim. I an asking it to be removed again for like the 3rd or forth time. This is clearly a violation of the Fair Credit Act!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of Education 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 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, credit repair services, or other personal consumer reports

I believe some has been using my information I have no affiliation with XXXX XXXX XXXX XXXX I would like this collection account immediately removed from my profile if someone believes im wrong please provide me with the original documents I gave signed
Product: Credit card

I have a Bank of America credit card. It had a balance, so I set up auto pay to pay a maximum of {$500.00} per month. 

I paid the balance in full. Bank of America continues to deduct {$500.00} from my checking account even though there is no balance. 

It required me to wait XXXX minutes with support and they will issue a refund that will take up to XXXX business days. 

This is an unfair practice. This should not be allowed or ok. In 2024, having a software platform and policies that deduct maximum balance payments from people 's accounts when there is no balance should be illegal.
Product: Checking or savings account

My card was expired and I didnt get any replacement I tryed to connect the bank but it was useless. I just need to get the money from my account but there is no bank in my state. I also cant access online banking. As I mentioned I just need to transfer the money to another account it withdraw them
Product: Credit reporting or other personal consumer reports

My credit has stayed the same for 3 years. I've attached the credit tracker below. 
I have had 100 % payments and < 5 % credit utilization and my credit wont raise at all. 
Then my credit keeps dropping around XXXX points and then raising back the the same level as it was before with no issues on my credit report. Its happened numerous times. I've contacted Experian multiple times regarding this issue and they even looked at my credit report and see no issues or new negative reports on my credit but won't give me any information as to why my credit keeps dropping and then raising back up to the previous credit score with no new issues with my credit report. They tell me to contact a financial advisor but a financial advisor wont be able to tell me anything because theres no changes to my credit report. Just a score that keeps dropping. I brought this question up to experian just today and they said that they can't help with that. I believe that I'm being discriminated against due to being XXXX american. Because if my credit can drop randomly and raise back up to the previous level numerous times with no explaination or issue with my credit report, there's literally no way for me to solve the problem. And for a credit score to never increase despite numerous years of 100 % payments and <5 % credit utilization, there's no way for me to ever use credit in the future. 3 years is a long time for no change.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter.

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

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

XX/XX/year> I was on XXXX and there was a link saying you could prequalify for a store card at XXXX through Comenity XXXX XXXX and that they dont do a hard inquiry to prequalify. So I entered my information and filled out the prequalification application and instantly after I submitted I received messages on my XXXXXXXX XXXX XXXXXXXX and XXXX XXXX that I had a new hard inquiry on my credit report. If I wouldve known that it was a hard inquiry from the start I wouldnt have done it. On top of that I wasnt told if I qualified or not just that I would be sent something in the mail in XXXX business days. I dont know why they have misleading information on the XXXX XXXX advertising their credit card giving false information.
Product: Checking or savings account

I called the fraud department on XXXX, XX/XX/XXXX at XXXX due to my Citibank ATM being blocked when trying to pay for a service and my account had enough funds to cover the transaction. I also noticed that my online app was not letting me access the account, it stated 'we are having technical difficulties, please check back later ''. The representative informed me there was a hold on the account due to some suspicious activity and they will review my account within XXXX, not providing me with any options to lift the hold. On Wednesday, XX/XX/XXXX I noticed the hold was still in place so I went to the branch in person, I was told the same thing, account is locked due to suspicious activities, and fraud department had to verify my identity by calling their department. The taller called and explained I was there with XXXX pieces of ID, fraud department declined my request, stating that I did not have a cellphone line under my name that they could verify me with. I asked to speak to branch manager. Branch manager recognized me since I open the account with him a month ago, he calls again, fraud department now tells him that only way to lift the hold is by sending a physical letter to my address with a reference code and once received I have to rely that code over to them. I asked the branch manager why this option wasn't offered to me when I called on Monday, nor to the teller. Bottom line, citibank is holding for no reason my over XXXX usd funds and playing with my time and my financial needs. Today is XXXX day and branches are closed, and post offices are closed as well. They purposely delayed my verification by omitting to provide reasonable options to me over the phone, the teller when in person, or to allow the branch manager to bypass the hold even when he stated to fraud department that he personally opened the account for me and my IDs matched what is in the system.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account. 
account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. 

An account opened at XXXX XXXX XXXX under the account number XXXX on XX/XX/XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I BELIEVE THE TERMS LISTED IN THE LOAN AGREEMENT VIOLATE STATE LAWS REGARDING PAYDAY LOANS. 

XXXX XXXX XXXX OHIO : A licensee may charge, collect, and receive only the following fees and charges in connection with a short-term loan : ( A ) Interest not exceeding a rate of 28 % per annum ; ( B ) ( 1 ) Except as otherwise provided in division ( B ) ( 2 ) of this section, a monthly maintenance fee that does not exceed the lesser of 10 % of the originally contracted loan amount or {$30.00}, provided the fee is not added to the loan balance on which interest is charged ; ( 2 ) A licensee shall not charge, collect, or receive a monthly maintenance fee if the borrower is a person on XXXX XXXX in the armed forces of the United States or a dependent of that person. 
( C ) If the originally contracted loan amount is {$500.00} or more, a loan origination charge in the amount of 2 % of the originally contracted loan amount, provided the loan origination charge is not added to the loan balance on which interest is charged ; The interest rate on my loan far exceed this at 490 % The amount financed : {$400.00} 28 % on top of {$400.00} = {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to Ohio state law, payday lending is legal. 
Ohio has a {$1000.00} payday loan limit. Payday loans can be taken for the period from 91 to 1 year with a maximum interest rate of 28 % ( APR ). One loan at a time is allowed. No rollovers are allowed. Criminal actions are prohibited. 

I am going to need some kind of response regarding this, it seems the terms are illegal and I will be seeking legal guidance or potentially a lawsuit/ bankruptcy to deal with this. 

Please reach out promptly.