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

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as did my entire family. Shortly after we all recovered XXXX XXXXXXXX we all got XXXX XXXXXXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. Fortiva credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed '' and " Past 90 days past due ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Profiles indicates XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX  and XXXX, all Debt Collection Companies, placed collections on my Credit Reports. However, I did not provide any written consent at all, not to mention the inaccuracy in the first place. I disputed through all three credit reporting agencies ( XXXX, Equifax, and XXXX ) and the response came back confirmed. This is impossible because I have no knowledge of these accounts. Unfortunately, I have been a victim of numerous data breaches, credit companies included. According to the Fair Credit Reporting Act ( FCRA ), the consumer must receive notification of debt and an opportunity to dispute the debt before being added to any credit profile I never received it because it is false. Additionally, I did not give explicit or written consent to any of the above mention companies and for that matter, neither have I have heard of nor ever conducted any business with them. Furthermore, through the Consumer Financial Protection Bureau, these business matters have not been resolved ; Additionally, under 15 US Code 1681b - Permissible purposes, this is to be considered as identity theft. As a result of these inaccuracies my credit score has been deeply impacted making me seem as if I am not credible. I am uncertain why these companies are attempting to collect this erroneous debt. Kindly delete the collection account from all XXXX  credit bureaus ( XXXX, Equifax, and XXXX ). 
Please remove these inaccuracies from all three credit bureaus immediately. second and third party credit reporting agencies are owned by all three credit reporting agencies. I feel this is why I am not getting any results, because they are asking themselves if I am me. This is totally unfair and illegal.
Product: Credit card or prepaid card

I noticed a sharp decrease in my credit score. I then found a fraudulent charge that was accruing late fees and interest on my Barclaysus choice rewards card. I called and reported the charge as fraudulent, and was told it would take ~ two weeks for the charges to reverse. I waited this period, and saw that the fraudulent charges were reversed, but the foreign transaction fee, late payment charges, and interest charged were either not reversed or the amount reversed was not the total related to this charge. I have called to try and get these reversed, and have been put on hold for over 5 hours total, have been hung up on twice, and continue to get passed around to different departments, none of which has been able to resolve my problem. Another late payment and further interest charges have been accrued in the meantime.
Product: Mortgage

My escrow calculation for monthly collection is not being calculated as per RESPA or my mortgage.
Product: Credit card

Chase refused to dispute the fraud charge. 

On XX/XX/year> for {$2300.00} from owners rental program ces. Points unlimited guaranteed over the recorded line they would rent out my 6 weeks for at a minimum of {$1800.00} per week. Totaling over $ XXXX, However I had to pay the {$290.00} up front per week. At 6 weeks that came to {$2300.00}. I was advised I would receive offers and to call and see if the dates were available from XXXX XXXX Vacations. I got an email, called and checked and every time it wasn't available. I received an estimate of 5-7 offers in the 7-8 months. I did receive one offer that the property was available only to get a, " Sorry the client changed their mind but we will send you more offers. '' I responded by asking for my money back that they did not do what they said they were going to do and it is over 6 months and I had not received a single valid offer. They replied with were sorry, we will send you more offers. I was guaranteed over a recorded line if they didn't rent them out I would receive a full refund of the {$2300.00}. After asking for my money back since they didn't do what they guaranteed me they would do, I reached out to Chase and asked them to dispute it, only to be told its past the deadline. This is fraud and theft. They are taking money without providing a valid offer. I would like a full refund.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1700.00} ), XXXX XXXX - XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ), CXXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$5100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

I've had a refinance application in with Navy Federal Credit Union since XX/XX/2019. I've been through 2 and now I'm on my 3rd processor. I was told that this person is a supervisor. I've had my credit pull 3 times I had the appraisal done this year and I hope it's still valid because I don't want to pay or go through that process again. I've been to the branches, sent numerous emails and made as many phone calls. I understand that there is a global pandemic but, my point to them was this process was started XX/XX/2019. If this was done promptly then it wouldn't have been a problem. What can you do to help me? To the best of my knowledge I've been in the final stages for months. I was told to choose an escrow company and I did but, neither them no I know what's going on. Take a look at the screen shots that I've uploaded and you can see that I've provided everything they've asked for in XXXX.
Product: Debt collection

I recently pulled a copy of my credit report and noticed a collection account by IC as I do n't recall signing any contract with a company by this name nor do I recall receiving any duns letter by them. so I send them a certified letter tracking number XXXX XXXX XXXX XXXX XXXX requesting for a copy of any viable evidence bearing my signature showing the account is being reported accurately. I also informed them as per FTC letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized documents does not constitute verification. being that I have that right under the Fair Credit Reporting Act and Fair Debt Collection Practices Act but they have refused to send as well as mark my account as disputed within the 30 days which is a violation of my rights under willful noncompliance as per FCRA 623 ( a ) ( 3 ) Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s- 2 ]
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am a federally protected consumer under the Fair Credit Reporting Act. Please be informed that as per 16 CFR 313 along with 15 U.S. Code 6802, I am now opting out of any and all authorization I the consumer may have given to Equifax written, unwritten, verbal and non-verbal concerning the following XXXX XXXX  accounts listed on my credit profile with Equifax. 

1. XXXX 2. XXXX 3. XXXX Please promptly delete all items of information related to the accounts listed above from the file of the consumer. Both together and separately my consumer and privacy rights are being violated. The aforementioned accounts are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm, duress and discrimination.
Product: Money transfer, virtual currency, or money service

Heres the text written out for you : 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 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : XXXX XXXX : # XXXX, which you claim, I owe [ {$810.00} or my account was charged off {$810.00} ]. 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 corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had ) some contractual obligation to pay you.

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

Pending to 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 withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). 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. 











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

I submitted a dispute with Transunion on XX/XX/2021 regarding a XXXX account credit limit increase from {$1000.00} to {$1500.00}. The investigation claims to have been completed without fixing the inaccurate information. I contacted XXXX and no investigation was actually completed or verified. So I sent in documentation from the creditor with a letter showing the accurate information. Instead Transunion reported my account limit was decreased and has cause my score to go down 16 points. Its been injurious to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Nelnet : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. 
( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Debt collection

The company is GLA collections and the debt owed on my credit report is XXXX. I did call to ask about the debt to be takin off my credit report but for some reason they say it cant be. The date they have it open is XXXX of XXXX. I was XXXX from XXXX. I havent been to a hospital since last year when I had a XXXX. Prior to that I could actually speak on when I went. I dont understand how these debts continue to pop up when they are more then 7 years old. I have disputed many times and somehow its not been takin off there. I attempted to call just to try and make some kind of pmt plan to have it takin off there unless paid in full they would not. All Im tryin to do is get my credit in good standing. I believe it should be takin off my credit report. There was several more on there that was disputed and removed but the way they talked they would just reopen and have them put back on my credit report. Its now XXXX and Ive not been to any hospital. So some of these debts they have are while I was XXXX  and thats not possible. They should be removed and stay removed. I dont see how a debt can continue to be reopened or put onto my report after Ive continued to dispute the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX financial department to get a deferment on my lease which they agreed to however they reported a late payment on my credit which damaged my credit I have called them numerous times to reverse this but they have not done so our original agreement was for them not to report late until COVID-19 was over. I was going to continue making payments which I still lamb I need them to remove the late payment that was reported incorrectly
Product: Credit card

The account was closed without warning or a letter. They said it was sent and it was never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FRCA The term " Investigative consumer report '' means a consumer 's report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Account : XXXX XXXX # XXXX
Product: Checking or savings account

On XX/XX/year> I deposited {$100.00} Bill into a Huntington Bank atm XXXX XXXX XXXX Mn, it ate the money. 
Called Huntington on XX/XX/year> They gave me a " credit '' for the {$100.00} XXXX I received a letter from Huntington Bank stating after an investigation they couldn't find the {$100.00} and would be taking the money out of my Huntington Bank account. 
There are cameras all over that atm clearly is showed me putting the cash into the machine. What's to stop the atm person from snatching the {$100.00} Bill?
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report continues to show 2 missed payments for the months of XXXX and XXXX 2016 for XXXX XXXX reporting as XXXX XXXX despite 3 disputes to XXXX not only by myself but also from XXXX XXXX General Counsel for XXXX XXXX requesting that the reporting reflect no missed payments as this is incorrect information. 

Despite receiving my personal disputes on 3 seperate occasions and 2 faxes from XXXX XXXX General Counsel XXXX XXXX  requesting correction to my credit bureau after 1 year of disputes by both me and the creditor XXXX has continues to wrongfully report this account to my credit bureau.

Below is a copy of an e-mail from XXXX XXXX General Counsel sent to XXXX for a 2nd time on XXXX-16.

XXXX XXXX 
   Reply all|
Wed XX/XX/XXXX, XXXX XXXX
XXXX XXXX 
Inbox
Dear XXXX. XXXX:
 
I confirmed that we updated your information via XXXX, which should go to all the credit bureaus.
 
Best regards, XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and there are two errors on the report that should be deleted on my report due to bankruptcy chapter XXXX was filed XXXX 2016 XXXX XXXX XXXX and XXXX XXXX, XXXX tried working with them and did not get no where no resolution made this has been an ongoing effort to try and get this corrected
Product: Credit card

Obtained a Wells Fargo Visa Rewards card, and was upgraded to the XXXX Platinum Rewards card. According to the online marketing information, I was eligible to receive " Unlimited 5x points on grocery store purchases! '' ( that wording has since been removed from their site. I made purchases that did not violate the T & C 's ( XXXX ), and was sent a letter telling me to cease all purchases that they considered to be against their T & C 's after receiving the letter, else they would be closing my account. I immediately stopped using the card, and they cancelled my account two days later. I had XXXX XXXX rewards points available to me that were placed in a pending status with a date of XXXX, then it was moved to XXXX, then said " frozen '' and I could not redeem them. Now on the site they simply say " forfeited ''. 

I did nothing against the Terms and Conditions I signed up for, and Wells Fargo took away all of the rewards I used from their card ( rewards I could have earned elsewhere, but chose to do business with them ). 

I called and they said they could not do anything about the account being closed. 

Now I have a closed by creditor account on my credit report, and they took all my rewards away.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention an urgent matter regarding unauthorized debt collection activity by Flagship Credit Acceptance LLC in the state of Florida.

It has come to my attention that Flagship Credit Acceptance LLC does not possess a valid license to collect debt in the state of Florida as required by law. Pursuant to Florida Statutes Chapter 559 Part VI and RULE 69V-180, any entity engaging in debt collection activities within the state must hold a valid license issued by the appropriate regulatory authority.

Despite lacking the requisite licensing, NCS has continued its attempts to collect a debt from me for the last XXXX years XX/XX/2017. This conduct is not only in violation of Florida law of the Statue of Limitation in Florida : The statute of limitations in Florida on debt is five years. This means that once the five-year timeline has expired, creditors can no longer file a lawsuit against the borrower to try and recover the debt but this is also a breach of my rights as a consumer. 

I demand that you immediately cease all reporting and collection efforts related to the debt in question. Furthermore, I expect you to thoroughly investigate the matter and ensure that Flagship Credit Acceptance LLC ceases its unauthorized activities to this alleged debt. 

If I continue to receive communications or notices related to this unauthorized debt collection, I will have no choice but to pursue legal action against both Flagship Credit Acceptance LLC and your agency for their roles in this matter. 

As per Florida law, the licensing number of any entity engaged in debt collection activities must be provided to consumers. Therefore, I request that you verify and confirm the licensing status of Flagship Credit Acceptance LLC in the state of Florida. If Flagship Credit Acceptance LLC can not provide a valid license number, I urge you to take immediate action to rectify this situation. 

Please provide written confirmation of the actions taken in response to this letter within 14 days or remove the report alleged debt from my credit report. Failure to comply will leave me with no option but to escalate this matter further legally. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX