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

I reached out to the Credit Agencies on XX/XX/2021, and requested that they remove the account on my credit report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove this account. The reasons I was given is their need to contact the " original creditor '' in order to validate the debt. I informed the last representative that their company was in violation of a United States Code and was told that I needed to contact the individual companies to request removal.

The company is a violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports
Product: Credit reporting

I have been battling with EXPERIAN to remove a foreclosure off my credit report that is over the 7 year mark from the 1st date of delinquency which based on their findings and the attached credit report they are bullying me. I 've sent over 6 dispute letters Please help this is keeping us from getting a house. Thank you for being a voice for the people
Product: Mortgage

Hi. my name is XXXX XXXX.my adr.XXXX # XXXX.my pho.XXXX.my XXXX.ssn.XXXX.. i want buy house for michigan with morgace.i talk 2 month ago guy name employ. both guys friend ( 2 ) XXXX XXXX.id no.nmlsXXXX..his working with XXXX XXXX  XXXX.XXXX  XXXX XXXX XXXX..he talk to me he can help me.he take my all infor like bank, ssn, my id etc.then he say he work with too many comp. he give me pre appovel.from. XXXX XXXX XXXX.wasXX/XX/XXXX..i am going buy house with pre aprovel.also he talk too many times with my agent also sailer agent.he say evrythig ok. frek frist fni lone officer name. ( 1 ) XXXX XXXX. id no nmls XXXX .last 2week guys doing bank aprozel i pay money $ XXXX..this week was my sailer cont due this friday. 2  days ago i talk with XXXX.he say everytnng ok..yesterday he say XXXX XXXX XXXX.they going to bank now they no pic my phon.emil no answer.. closing down.why they doing like this like play with me..i lost my deopst money also bank aporzel money..ple.if you can go to aciton for both off guys ..XXXX  XXXX + XXXX XXXX ... thanks
Product: Debt collection

I believe the account is invalid. XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : Account name : JPMCB CARD Account Number : XXXX
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 U.S. Code 1681b ) FCRA 611 ( 15 U.S. Code 1681i ) FCRA 609 ( 15 U.S.

Code 1681g ) i am writing to formally dispute and request the immediate removal of the following unauthorized fraudulent Accounts from my XXXX credit report : FRAUDULENT ACCOUNT : WFBNA CARD ; XXXX, {$2900.00}, this Account were OPEN without my authorization and are fraudulent and are a violation of my consumer rights by BEING REMOVED AND PUT BACK ON MY CREDIT REPORT under the FEDERAL CONSUMER REPORTING AGENCY ( FCRA ). Specifically listed above. 
According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has accounts listed
Product: Credit reporting or other personal consumer reports

I am filing this dispute regarding several inaccurate and fraudulent accounts being reported by Equifax on my credit file. These accounts are unverifiable, contain inaccurate information, or are the result of identity theft. Despite prior disputes, Equifax has failed to correct or remove the following accounts : XXXX. XXXX XXXX : {$2900.00} ( XXXX ) {$1300.00} ( XXXX  ) XXXX. Attorney General : {$7400.00} The Attorney General account has already been removed by XXXX and XXXX due to being unverifiable. XXXX continued reporting of this account demonstrates a failure to maintain accurate reporting and comply with the Fair Credit Reporting Act ( FCRA ). 

Violations of XXXX XXXX and XXXX Legal Accountability : XXXX inability to address inaccurate reporting highlights systemic issues that have already led to legal action against the company. On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to adequately investigate consumer disputes. The CFPB found that Equifax ignored evidence provided by consumers, allowed corrected errors to reappear, and relied on flawed software, resulting in inaccurate credit scores. 

This ongoing legal scrutiny reinforces my concern that Equifax is not fulfilling its obligations under the FCRA, including : XXXX. Failure to Maintain Accurate Information ( 15 U.S.C. 1681e ( b ) ) : Equifax must ensure maximum possible accuracy in credit reporting. 
XXXX. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ) : Despite disputes, Equifax has not conducted a reasonable investigation into these accounts.

3. Failure to Remove Fraudulent Accounts ( 15 U.S.C. 1681c-2 ) : As a victim of identity theft, I have notified Equifax of fraudulent activity, yet these accounts remain on my file. 

Formal Request : To avoid further harm to my credit and financial standing, I demand that Equifax : XXXX. Immediately delete the XXXX XXXX accounts ( {$2900.00} and {$1300.00} ) and the Attorney General account ( {$7400.00} ) from my credit report. 
XXXX. Provide written confirmation of these deletions and steps taken to resolve the issue. 

If Equifax does not address these inaccuracies promptly, I am prepared to take legal action, as allowed under 15 U.S.C. 1681n and 1681o, seeking statutory, actual, and punitive damages for willful and negligent non-compliance. 

This is your final notice to resolve this issue promptly. I request a written response confirming the resolution through the CFPB portal. 

Sincerely, XXXX XXXX
Product: Debt collection

In late XXXX my checking account with XXXX XXXX XXXX was closed because of unpaid overdraft fee. The final debt was sent to R.A. Rogers , Inc for a total of {$100.00}. I received a letter on XX/XX/XXXX from R.A. Rogers itemizing the debt and stating that " Your check dated up to 30 days in advance will be accepted as payment in full ''. On XX/XX/XXXX I submitted the full payment plus a {$6.00} processing fee through their online portal for a total of {$110.00}. I followed up with the company on the following week and they informed me they had no record of my payment and no record of sending me that letter, and that the real amount owed to them was over {$160.00}. I faxed them my records, including the receipt and a copy of the letter they sent on XX/XX/XXXX. They continued to dispute the letter, and are claiming the extra {$50.00} is " their fee for handling the debt ''. I've disputed this with the credit agency as well but the company refuses to remove it.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX XXXX XXXX WELLS FARGO CARD SER XXXX, 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
Product: Bank account or service

I would like to know why Scottrade failed to mention that Social Security Numbers and account numbers were stolen in the latest data breach and that the Social Security Numbers were left UN-ENCRYPTED. 

That data included brokerage account numbers, spokeswoman XXXX XXXX revealed Thursday. 

" They could have seen Social Security numbers, brokerage account numbers and emails, '' she said. " However, it appears that contact information was the focus of the incident, '' she said.
Product: Checking or savings account

This is in regard to my previous claim : XXXX Bank of America has wrongfully handed in my claim and has denied my dispute within the legal timeframe. I had not received the item I purchased from XXXX through my debit card from Bank of America. I opened the claim within 1 week and they denied it as they relied on a fake claim from the delivery service. Then they said I have missed the claim window. Now, they are saying I have to solve this with XXXX XXXX. It is not my job to deal with XXXX XXXX or delivery service ( XXXX ). It is Bank of America 's job to safely keep my money and be fraud-free as they had promised at their initial account opening. 

You have to revive my money XXXX and put it back in my account. Bank of America is responsible for my loss of XXXX. YOU HAVE TO give my money back.
Product: Credit card

I went into a Bank Of America branch. I made a deposit via Atm, I also changed my pin at the atm. While finishing up I searched for my debit card and could not find it. I traced my steps and checked all my pockets. As soon as I noticed I could not find my card anywhere, I noticed bank of america customer service. When I called the customer service rep told me that I just withdrew XXXX dollars out my account via bank teller. This was a transaction that I never did. I filed a claim and contacted the bank that I just left. A bank teller stated that he thinks I was shoulder watched and that someone pick pocketed me at the atm. My claim was denied and a no one ever notified me from bank of america.
Product: Debt collection

I stayed at the XXXX XXXX XXXX from XX/XX/2016 ro XX/XX/2016. The front desk had some issues charging my credit card for some reason but they did not contact me to advise me of such issues. On XXXX/XXXX/2016 I received a notification from my credit monitoring application stating there was an open collection filed with Allied Collection Service. I called XXXX to ask why they did not contact me if they had issues with payment prior to sending a bill to collections and I was told by XXXX XXXX from Business Corporate Office that they are not obligated to inform their guests of such issues. I believe the XXXX violated FCRA and Unfair Collection Practices Act. I also believe they violated Regulation Z, the truth and lending act. Upon contacting Allied Collections I was told they sent a letter of validation however I never received this letter nor did I receive any other kind of attempt to contact me. I can not pay a balance or bill if i do not know it exists.My credit score has now suffered due to the inability of XXXX XXXX XXXX to notify me of the issues they had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$21000.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these itemsin accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have a credit card with Citi Bank. 
I travelled to the XXXX in XXXX XXXX. 
I had a car crash there and I was hospitalized. 
I could not make any contact with any of my US banks for several weeks and could not make payments ( for 30 days ) to XXXX accounts. XXXX with Citibank simplicity credit card and XXXX to XXXX XXXX XXXX auto car loan. 
In XXXX XXXX, I returned to the U.S. after extensive recovery. 
I Spoke to both companies. 
XXXX XXXX 's Vice President of Operations - XXXX XXXX XXXX - understood my situation and acknowledged it was a mitigating circumstance, that I was NOT under financial hardship ( as I have paid religiously on time for several years without one single missed payment ). hence XXXX requested from the credit reference bureaus to rectify and remove the delinquencies from my credit report. The delinquencies have since been removed and reflected in my credit history and credit score. 
Unfortunately, Citi bank credit card department ( and their credit dept. + policy dept. ) refused to take into consideration any of my mitigating circumstances and refused my request. 

Their reason was : " its not a Citi bank error ''!!!! 

This is very unfortunate despite being a loyal customer with them and had never previously missed a payment on my credit crd with them prior to my car accident. 

And just like that, without any common human decency or appreciation for what I went through in the XXXX, they flat out behaved like a heartless robot and kept the delinquency on my credit report. Now this is hampering my ability to borrow or use my credit history. 

I ask for you to investigate Citi banks policy regarding this unjustified flat out refusal to help me restore my credit history to its pre-accident state. To help me, their customer, when I needed them most. 

Sincerely, XXXX XXXX
Product: Mortgage

Applied and accepted a three month trial modification on XX/XX/year>. Trial period was successfully completed on XX/XX/year>. Mr. Cooper failed to mail me the Loan Agreement to finalize the permanent modification.
Product: Vehicle loan or lease

I frequently receive unmarked envelopes from XXXX, which I understand is a company that matches consumers with various lenders to assist with refinancing vehicles. Typically, I throw these letters away. On this occasion, I noticed the rate seemed to be on the low end of what I thought might be possible to obtain in this rate environment. The letter made specific claims that, based on my vehicle and my initial loan amount, they would be able to reduce my interest expense by lowering my monthly payment. When I logged into their loan application portal XXXX made similar claims about how I was " pre-approved '' for a rate approximately 1.5 % lower than my current rate. Once fully approved, the agent informed me that the quoted rate was not possible except, perhaps, for a new vehicle. In fact, the best rate that was available was nearly 2 % higher than the quoted rate. I feel I was made to waste my time and unnecessarily dinged my credit with a hard pull when XXXX knew that it would never be able to come close to their advertised rate.
Product: Checking or savings account

Small business ( checking and savings ) ( corporate account ) at Citibank was frozen on XX/XX/19 for XXXX  ( compliance issues ). Account has been open for over 10 years, no court order, or judgment or levy exists. I complied with all forms requested on XX/XX/19 - forms taken directly to a branch ; however as of XX/XX/19 all funds frozen. Auto pay to same bank for credit card payment was returned and {$25.00} charged. Rent, electric and other payments were returned, causing many extra fees and great embarrassment - landlord will no longer take a check for rent - electric company charged extra fees. 
XXXX XXXX, XXXX - corporate account - I am 100 % owner. 
Update - Branch refused cash payment on credit card.
Product: Credit reporting

ON XXXX XXXX EQUIFAX UPDATED MY REPORT WITH THE INCORRECT INFORMATION THAT WAS SENT TO THEM FROM Consumer finance Protection Bureau in reference to my account with XXXX XXXX XXXX. 
The account was opened on XXXX XXXX, 2014 with XXXX XXXX XXXX and the contract was provided. Equifax ignored the contract that was provided to them stating that the contract was opened on XXXX XXXX 2014. They stated to Equifax that the contract was opened on XXXX XXXX 2014 which is incorrect. The account was then closed with XXXX XXXX XXXX in XXXX XXXX, 2014 and refinanced by XXXX XXXX XXXX XXXX they Sent XXXX a check for XXXX which the check that was cashed by XXXX XXXX XXXX A copy of the check was attached. Also XXXX failed to let them know they cashed the for XXXX A check for that was also provided. XXXX has continued to provide incorrect information several times stating that they did not cash a check for this vehicle in that amount which is totally incorrect the checks were cashed at their bank in Texas. Equifax is the only credit bureau that is giving me problems XXXX has updated my report and found out that my information was correct from the documentation received by me with the actual contract and fixed my report in good standing for this account. This is my third time disputing this with Equifax and they are stating that I am not providing the documentation which is incorrect I will attach a copy of the contract and the checks that were cashed again. By Equifax not correcting this information they are impacting my credit report and every credit report is suppose to match.
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 protected. 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 E. those actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX Furthermore , please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can not provide these four things please delete these accounts from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX - XXXXXXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$3000.00}.
Product: Mortgage

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.