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

In accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( XXXX ) 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681XXXX ( A ) XXXX XXXX XXXX  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: Debt collection

Credit Collection Services has not validated the debt and the debt does not belong to me. 

Credit Collection Services is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Credit Collection Services please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Product: Credit reporting, credit repair services, 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 items in 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 updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit card

I took advantage of a 0.00 % interest rate offer by my Bank of America credit card. When I did so, I in effect was waving having my 30 day grace period for interest to be charged on new purchases. I always pay my balances in full to avoid interest rate fees. I can no longer do that with Bank of America because I know have a 0.00 % promo in effect. What they do now is charge me interest based on the average daily balance, so no matter what I do I will be charged interest on new purchases. This was a classic bait and switch. It may have neen disclosed somewhere in small print on some XXXX page disclosure, but I was never made aware of this. XXXX XXXX and XXXX do not do this tactic when utilizing their promo offers. I will no longer use this Bank of America card for any purchases after today. I will still be subject to the Avegare Daily Balance Interest on purchases to date. I want a full refund for these interest fees and I want this practice stopped. How many people and fees have they collected over the years pulling this bait and switch. This is criminal in my book. I had to wait on hold for close to 30 minutes to finally get an explanation from Bank of America customer service. I have had this card since 1994 so I will not close the account, but I will use it at the bare minimum going forward from this day forward. I have no room for criminality.
Product: Mortgage

XX/XX/XXXX I am in the process of doing a loan modification which had a deadline XX/XX/XXXX.I sent in all the documents and was told by an agent on XX/XX/XXXX, that all they needed was a Profit and loss signed and dated by me.I immediately mailed it by XXXX XXXX on XX/XX/XXXX expecting that that was all they needed I also uploaded all the documents on their website .I then get a letter on XX/XX/XXXX that the file has been closed because they did not receive my Business Bank Statements and my XX/XX/XXXX Tax returns by XXXX Agent # XXXX.I was told in the beginning that all they needed were my personal Bank Statements and XX/XX/XXXX and XX/XX/XXXX Tax returns which I already sent .This is total neglect, unfair and inefficient. 
You cant tell a client you received all his documents except the P & L and then close the application, because you did not receive other documents.

I am fighting tooth and nail to keep my house and I am dealing with people that make you feel like you are a mouse being held by their tail, in front of a hungry cat.Please make sure Flagstar rectifies their situation in dealing with me.I am going to send them the other documents by email and mail, they requested, but please make sure the application is reopened and I am treated fairly and justly in my application in this loan modification.
Product: Debt collection

Greetings ; Portfolio Recovery is indicating every month on my credit report that they have an open collections account with them for a debt that I disputed more than XXXX years ago. They are not actively collecting ( and have n't for years ), yet they are ruining my credit report. How long can they continue to report an " open collection '' against me? This debt has passed the SOL for collection, even IF they could validate it, which they can not. Thanks for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXXXX, which you claim I owe {$1700.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1900.00} was put on my credit by Midland Funding. Then a civil judgement was put in order in Texas against someone with my same maiden name. After contacting Midland and then informing them that it was placed under the wrong person since the social for that account is different they refuse to fix the situation. I provided them with my license and social security card. This is a violation of the fair debt collection policy and they are doing nothing to remove this from my name.
Product: Debt or credit management

I opened a kikoff to help build up my credit. After about 3 months or so I decided to close the account because I got a secured discover card and felt like that was good enough. Initially when signing up for the services I read everything, they most definitely advertised it as you being able to save money and build credit at the same time. They leave you with this impression that you pay a monthly fee to build you credit and at the end of the term - you get the money back. Basically the same concept as self credit reporting- which I also had and closed at the same time. I noticed self was already processing my money I paid in, yet kikoff was not. I decided to ask about it and now they are saying the account I signed up for was a different account ; and with that account you do not get the money back. The problem is that is definitely not the impression and what was stated upon signing up. Its like they reel you in with that concept and then things are switched after. Or they do have two accounts but are not being transparent about the differences between both accounts; only advertising the one which you get your money back. Upon signing up it looks like the concept is the same and the only difference is the amount you can pay each month. Like you can pay XXXX dollars or XXXX dollars but you still get your money back. I never came across anything while signing up that stated one account gets your money back and the other doesnt. Trust me.. I would have never signed up for it if I knew I was not getting the money back. The idea of saving and building credit is what appealed to me. 

This company seriously needs to be investigated. There is something very very wrong and shady going on. Even if I dont get my money back .. something has to be done, they are frauds and if you look online and do research there are a bunch of other people with the same experience, yet those people probably dont know they can report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my credit report coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. here are the items that needs to be remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received phone a phone call last week from Trans World Incorporated regarding a debt.  Informed them at that time that I was on medical leave with no income, would make a payment when able.  Received a phone call XXXX  from trans world on line XXXX  at XXXX and was hung up on.  Returned the phone call to that number and discussed again that a payment would be made in 5 weeks.XXXX XXXX receive an autodial call from XXXX, am identified and disconnected.  Return the phone call, am identified and disconnected.  Return the phone call, am identified and explain again that I have a XXXX account balance and am unable to pay until 5 week from today’s date.   The representative pressed for a payment today still and I again explained that I have a negative checking account balance and am unable to make a payment today.  I did offer to send blood.  I then asked the representative if they were allowed to “continue making harassing phone calls every 23 hours” and she informed me that she was allowed to call me every day to collect on a debt.  I asked her if she was familiar with FTC regulations and she informed me that “You and not the only person I call, Transworld is a big company with 1000’s of clients, I know what I’m doing”.  I told her she was ignorant, she asked me to stop using profanity, I explained that the word ignorant is not a profane word.  I asked her to identify the company she was calling on behalf of, she refused and transferred me to a team leader.  I spoke with the lead and asked her if it was legal for her company to call me every 24 hours if we had made contact.  She said it was not. I asked the lead if it was legal for the previous representative to use a threatening tone when demanding payment that day and she said it was not.I again informed her that I would make a payment in 5 weeks.  I was not offered a post dated payment option.  I was not offered a payment plan.   I was only offered / demanded payment in full today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, XXXX, XX/XX/2020 I requested CapitalOne Auto to add my monthly car payments to the back of the loan due to the coronavirus impacting my finances. They agreed and they still reported on my credit that I was delinquent and did not make a payment. 
I need to know how they are able to say they can add my car payment to the back of my loan and still report it as not paid. They have not answered my questions about this
Product: Debt collection

Experian did not properly didnt do a full investigation on a collection on my credit report that I had Dispute I had asked them multiple times to remove the Collection from XXXX
Product: Debt collection

RE : XXXX XXXX Account # XXXX XXXX Collection Notice- Credit Protection Association , LP Reference # # XXXX, XXXX I have had XXXX XXXX home service for many years. After receiving several incorrect bill amounts and terrible customer service interactions, I contacted Frontier to cancel my service on XX/XX/XXXX and spoke with XXXX 1st.,  XXXX 2nd., then XXXX to cancel my account due to my new service with XXXX. 
On XX/XX/XXXX, all of the equipment associated with the XXXX account was shipped back to them via XXXX.Tracking # XXXX and received a " Proof of Delivery ''. 
My bill dated XX/XX/XXXX states the amount due is {$170.00}. On XX/XX/XXXX, I called and spoke with XXXX to inquire why I was continuing to receive bills from XXXX. She advised they would discount the account and I should receive a call to confirm. On XX/XX/XXXX, I called and spoke with supervisor XXXX confirmation # XXXX to confirm the account should have been closed on XX/XX/XXXX. Continuing to receive a bill for an account that was requested closure, I called and spoke with XXXX on XX/XX/XXXX and was transferred to XXXX, who stated the account would be discounted and backdated to XX/XX/XXXX the original disconnect date. confirmation # XXXX. 
Since this communication, I have received a bill dated XX/XX/XXXX ( {$340.00} ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) and a Collection Notice dated XX/XX/XXXX for the attempting to collect {$370.00}. 
Upon receiving a collection notice, I once again, I attempted to communicate with XXXX XXXX on XXXX XXXX @ XXXX XXXX  Central time. I spoke with XXXX and was transferred to XXXX. After being placed on hold for over 20 minutes, I was disconnected. 
At this time, I have tried all I can to get the account corrected to no avail, I was a previous customer for many years. This kind of treatment is unacceptable and not professional. I'm afraid this company will damage my credit rating by reporting false information and they are not communicating properly. 
I am requesting the Consumer Financial Protection Bureau to please assist me in effort to clear this matter and finalize any debt that is correctly owed. 

Respectfully submitted, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went to check out my XXXX credit report on XXXX credit XXXX  in states that my student loans is in a Derogatory state which is a delinquent status which is not true. Currently, I am enrolled in school at XXXX XXXX XXXX XXXX and I am in a forbearance due to President XXXX XXXX student loans is payment freeze. It should state a 100 % on time payment.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to respond to my credit disputes within the legally mandated timeframe. During XXXX and XX/XX/2024, I submitted multiple disputes to each of these credit bureaus, requesting investigations into inaccurate information on my credit reports. 

Although the Fair Credit Reporting Act ( FCRA ) requires a response within 30 days, I have yet to receive any official acknowledgment, investigation findings, or supporting documentation from any of them. Their failure to act is a clear violation of federal law. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to step in and ensure the credit bureaus fulfill their legal obligations. Since they have failed to comply with the XXXX deadline, I am demanding the immediate removal of the disputed items from my credit reports, along with written confirmation that the necessary corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> - I attempted a {$200.00} transfer from Zelle to a person in XXXX, XXXX. Zelle declined the 1st transfer request and issued an " ERROR- Try again '' - I tried again ( 1 minute later ) and the transfer for {$200.00} ( 2nd request ) and this time is was completed. 
Moments later, Zelle sent 2 emails withdrawing a total of {$400.00}. 
I contact Zelle but they told me they would stop the money on the 1st transfer but never did. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Please review the complaints I filed regarding XXXX. 

1st - The company has not been able to provider proof that the credit reporting was adjusted. My report still reflects negative. Per their response, XXXX advised that they corrected the negative reported to current. See the attached screenshots from emails I sent one from XXXX and they have not responded. When I call no one comes on the line. Its just an answer machine. 

2nd - XXXX allows you to withdraw credit that the loan has accrued and I have. It been able to withdraw the available credit. 
Since XXXX has failed to respond to me Im not sure what is going on
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all the credit breuas and creditors to provide me with validation that the inaccurate information listed below belongs to me. several phone calls, faxes, and letters sent and no response. This is very hard for me to obtain credit and having a negative impact on my future things I am trying to obtain. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

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

Student loans are showing up as Delinquent. I am a 100 % XXXX XXXX XXXX veteran and my student loans were discharged in accordance with the law. The credit reporting agencies are still reporting negative and open loans.