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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance Owed : {$70000.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$14.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent 3 certified letters to both companys with no solution to the problems, per 15 USC 1692g this company was to notify me of this account, i was not notifited as the original creditor only i can validate this debt. i do not validate this debt therfor this account must be deleted. 
the reporting of this account is in violation of 15 usc 1681 and the fair credit reporting act 15 usc 1681 ( a ) ( 2 ) ( B ) furthermore, Regulation F Under the FDCPA section 1006.30 ( a ) generally prohibits debt collectors from furnishing information to a consumer reporting agency before debt collector either speaks to the consumer, and or sends validation notice and waits a reasonable time to receive notice of undeliverable.
Product: Payday loan, title loan, or personal loan

identity theft. my accounts were misused, a third party opened a false account with pay-pal using my name and received a total of {$85000.00} on XX/XX/2022. I found out about this when my bank account was being charged a monthly installment of {$1700.00}. I put a stop payment on the charges. The attorney representing Pay-pal sent me a letter asking me to pay the whole loan amount ( {$85000.00} ). Then I talked to pay-pal fraud XXXX who asked me to file A Police Report or file a case with FTC.
Product: Mortgage

I am selling my property and my title company requested a payoff balance which was received. However, the payoff balance did not include all of the information that was requested. Due to a home modification in 2014, the title company needed to see the loan balance and the amount modified to ensure payoff included both. I have called Nationstar on several occassions to request such documentation and no one has been able to help. I close in XXXX hours and have yet to be able to get the information the title company needs.
Product: Money transfer, virtual currency, or money service

Iam filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practiceswhich violate the consumer financial protection act ( CFPA ) .specifically, cash app failed to take time an effective measures to prevent and adress 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 regulations E.These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

Needed proof that PNC cashier 's check {$3200.00}, # XXXX, bank account # XXXX, routing # XXXX, had been cashed. Merchant says it was not received. 

Although, I did purchase the cashier 's check from PNC, I have spoken to EVERY department they all say they can not help me in anyway with my request. 

A few of the people that I have spoken to include : XXXX at the purchase branch XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX, support operations XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and lastly from Treasury Mgmt XXXX, XXXX, and manager XXXX XXXX XXXX ext # XXXX hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$390.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I have unauthorized credit inquiries on my credit report that needs to be removed from my credit report
Product: Debt collection

I had XXXX ( XXXX ) Collections that were placed with Fredrick J Hanna and Associates in XXXX. XXXX XXXX {$500.00} credit limit ( now show that I owe over {$1500.00} ). How can the payoff be more than the credit limit on the card when there was a {$300.00} credit balance left on the card. I called Frederick J Hanna 's office to settle the acct. for the original credit card balance and was told by a XXXX XXXX representative that they would not except the payment2. XXXX Credit card {$1500.00} credit limit ( same thing happened as with the XXXX XXXX. There was an XXXX representative at Frederick J Hanna that said they would not except the {$800.00} that I offered. After making several attempts to pay the collections I then pull my credit report to find that XXXX was sold to another collection agency named XXXX XXXX and they are now and has been reporting me late every month since XXXX Who are these people and how is it that the account was sold while being handled by an attorney? 
This now appears XXXX on my credit report, which is affecting my overall score. 

I am really at a lose and do n't know what I should do from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file has no deliquencies, late paymnts, collection ever but every time I apply for a mortgage loan I get a letter from the bak or broker saying that I have delinquicies, late payments the time of the credit is too short even though I have creit from the late XXXX XXXX, but when I check my report from XXXX XXXX or credit cards its a different story. This is a scam and a way to deny XXXX mortgages and XXXX XXXX  and they are all connected to practising blockbusting and proits from XXXX to charge higher interests if anyone gets that far
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. 

In accordance with the Credit Reporting act XXXX XXXX Account 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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues that violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found a multitude of errors listed that is a direct violation of my federally protected consumer rights. 

For example : According to 15 USC 1681a 2 ( A ) ( i ), the term " consumer report '' should not include reports containing information solely about transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ).

In regards to 15 USC 1681a 2 ( A ) ( i ) : EXCLUSIONS from Consumer Report. You are in direct violation of FCRA 15 USC 1681a 2Ai by including transactions and/or experience ( transactional ) information in my consumer report, which is explicitly excluded by Congress.

Delete ALL erroneous data of late payments and balance data from the following account/s within XXXX calendar days by updating the payment history to current XXXX & XXXX the balance information listed. 

( SEE ATTACHED ) ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

On XXXX XXXX, I issued a check to one of our vendors for {$8300.00} to pay our monthly statement. On XX/XX/2023 when our vendor said they did not receive our check, we investigated and found that our check was intercepted, whitewashed, and mobile deposited by XXXX XXXX to an account in XXXX  XXXX XXXX in XXXX XXXX Mo. We immediately notified the fraud department of Citi Bank. They sent us the official forms to begin an investigation, which we immediately filled out and returned. 
A similar thing happened to us approx 5 years ago and Citi Bank made good on the {$5000.00} immediately, but the said we had to enroll our company in their POSITIVE PAY PROGRAM. We did and have been logging every check we have written with the name, check #, and amount with Citi Bank prior to mailing to prevent fraud We have been paying for this service for over XXXX years and write approx XXXX checks/month. Obviously Citi Bank or XXXX  XXXX XXXX did not catch this fraud on a {$8300.00} check. We have been in contact with numerous agents at Citi Bank ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) who all say that Bank XXXX XXXX has XXXX working days to respond. Obviously it has been much longer than 120 days and their answer is that they can not do anything to force them. 
I have several issues with this policy. 
( XXXX ) Why do we have to wait at all since we enrolled in their POSITIVE PAY to prevent this in the first place. Their answer is that it is not a guarantee. 
( XXXX ) What legal ramification does XXXX  XXXX XXXX have if they refuse to admit fraud? 
( XXXX ) Why wouldn't Citi Bank take care of a XXXX year customer with XXXX a XXXX dollars on deposit? 
In closing, I think government or some banking oversite agency needs to get involved with these type of practices if the bank will not take care of these types of fraud.
Product: Debt collection

consumer was unable to provide orginal documents of me agreeing to this collection.
Product: Debt collection

XXXX XX/XX/XXXX Radius Global Solutions XXXX XXXX XXXX XXXX, MN XXXX I got a call today from XXXX with your company. She broke federal and state laws in her attempt to collect a debt that I dispute but that you argue is valid. How can you decide it is valid when your company has not even heard my objections to the debt? This is an unfair practice and I am forced to report your company to the proper authorities. XXXX also tried to verify my identity BEFORE she mentioned what company she worked with, which is another violation of federal and state laws. 
I attended XXXX University Online with the help of federal student aid monies. I withdrew in XXXX of XXXX and my last day of class was XX/XX/XXXX. XXXX provided me with a letter dated XX/XX/XXXX, which concerned my federal student loans and repayment options. Nowhere in the letter dated XX/XX/XXXX is mentioned a spurious {$800.00} that you are fraudulently trying to collect from me. The school, XXXX, also sent me a letter dated XX/XX/XXXX regarding my student loans. This letter also does not mention any {$800.00} owed to the school. 
While I was attending, there was intense pressure from the school to get me to sign a private loan agreement, which I steadfastly refused to do because the repayment terms were not affordable for me and my situation. I never signed anything stating I would owe the school {$800.00}. 
The school knew very well I was dependent on financial aid to attend, and they in fact returned a student loan to the feds when I withdrew. If this {$800.00} was truly a valid debt, then surely they could have retained that amount for themselves when they refunded my loan. Instead, they refunded a certain amount and they are now trying to fraudulently collect {$800.00} from me, which I never ever agreed to pay. Your company is under contract with them, and your company is also engaged in deceptive and unfair debt collection practices. I will alert the appropriate federal and state agencies about this matter, I assure you. 
I look forward to your response. 
Sincerely, my name cc : atty cc : consumerfinance.gov cc : State of Texas Attorney Generals Office
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I have contacted discover about fraud account opened in my name. They did not get back with me and refused to do anything about the account.
Product: Credit reporting or other personal consumer reports

Recently, I conducted an investigation on my credit report and it made me really upset that the XXXX reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the XXXX bureaus for the account XXXX card. I found that there is unverifiable, invalidated, inaccurate and questionable item that that are obviously not 100 % accurate. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that this account for XXXX card was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the XXXX agencies?
Product: Credit card or prepaid card

I was never 30 days late on ( 2013 of XXXX  ) on this ( CAPITAL ONE BANK USA N ) account. I have made my payment on time and contacted the creditor for a review they were unable to provide with any proof that I was late. If this negative 30 days late does not get removed from my credit bureau and update to current, my next step of action would be to publish this to ( cfpb ) Consumer Financial Protection Bureau and file a complaint to ( XXXX  XXXX XXXX XXXX XXXX. Below you will find the attached copy of the 30 days late and the creditors contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my certified letter sent and received by Experian, XXXX  and XXXX on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. 
I am currently unable to qualify for a mortgage refinance due to the erroneous information listed on my report. This is costing me {$400.00} per month and probably more now that the rates have gone down again.
Product: Vehicle loan or lease

THIS COMPANY WAS SENT A DEBT VALIDATION REQUEST IN WHICH THEY REFUSED TO SEND ME THE REQUESTED INFORMATION. THE DEBT WAS DISCHARGED, BUT THE COMPANY IS STILL REPORTING IT AS IF THE DEBT IS STILL OWED. THEY HAVE FAILED TO SEND ME THE XXXX FORM AS REQUESTED AND CONTINUE TO REPORT TO THE CREDIT AGENCIES AS DELINQUINT. USARY LAWS WAS VIOLATED AND THEY HAVE COMMITED DECEPTIVE PRACTICES. THE VEHICLE SERVICES CONTRACT WAS PAID OUT TO PAY THE VEHICLE OUT AND THEY DID NOT PAY OUT MY GAP INSURANCE BACK TO ME.
Product: Credit reporting or other personal consumer reports

These following accounts do not belong to me and reports were made already. My identity was stolen and I have tried several attempts to get these accounts removed as they do not belong to me. I have asked for proof that they belong to me and it was not given. I have attached an identity theft report with further details. The credit companies are also breaking several laws which I will include in here. Account XXXX XXXX XXXX, open date XX/XX/XXXX, XXXX. Account XXXX XXXX XXXX, open XX/XX/year>. These are XXXX of the same account that dont belong to me. I would like proof that these accounts belong to me from the company reporting them. Account XXXX XXXX, open XX/XX/year>. These accounts do not belong to me and was involved in my identity being stolen. Under 15 U.S.C. 1692g, also known as the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request validation of debts. This statute requires that debt collectors provide the debtor with certain information to validate the debt upon request. Specifically, the creditor must provide evidence that the debt is accurate and confirm that it is indeed associated with the consumer in question. If this information can not be provided, the items should be removed immediately.
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXXXX 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 Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

In regards of numerous attempts and providing extensive documentation to have this inaccuracy corrected, this late open account continue to appear on my credit report as delayed payment, severely impacting my financial standing and credibility. The persistence of these errors is both frustrating and damaging. Honestly i've been paying on time. It undermines my efforts to maintain a clean credit history and hampers my ability to access credit and secure favorable financial terms. This situation has caused me significant stress and inconvenience. I demand immediate action to rectify this matter. I expect a thorough investigation into why this late open account continue to persist on my credit report as late despite numerous requests for their correction. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution.The account should be corrected as soon as possible : XXXX XXXX  XXXX Balance Owed : {$260000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Bankruptcy : Dismissed XXXX Reference number : XXXX Amount : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX