23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled XXXX/COMENITY/VICTORIA Account # XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt collection

my Identity was used without my consent for phones with XXXX XXXX sou XX/XX/XXXX, for the amount of {$480000.00}, i would like this collection removed as resolution for the identity theft. 
amsher collections {$790.00} XXXX, XXXX XXXX
Product: Debt collection

I previously filed a complaint XXXX. The company replied on XX/XX/2018. They attached a letter verifying the debt. They attached statements. The statements show my address yet the address is missing my apartment number, I live in a building therefore this seems to be a fraud account opened without my authorization.
Product: Mortgage

I have two separate mortgages with US Bank on two separate homes. Both loans have the same problem. I am able to pay my monthly mortgage payment online through the US Bank website but I feel I 'm being charged an unfair or unnecessary online payment fee of {$5.00}. The payments are due on the XXXX of every month, but if I make the payment on the XXXX or XXXX they charge me an additional {$5.00} online processing fee. Both loans have until the XXXX of the month as a payment grace period. I called US Bank and asked them why I was being charged the {$5.00} fee and they explained that the fee was because I had n't made the payment on the XXXX of the month. I explained that I was still within the 15 day grace period and did n't want to pay the fee. They informed me that I would n't be charged the {$5.00} fee if I mailed in my payment?? So if I mail in the monthly payment by the XXXX of the month or if I pay online by the XXXX of the month then there is no fee. But if I pay online on the XXXX or later, then I have to pay the fee. I read through my " Truth In Lending '' disclosures from when I got each loan and I do not see this fee disclosed anywhere. Why am I being charged a {$5.00} junk fee for paying online during the payment grace period?? Thank you for your help!
Product: Mortgage

In XXXX my wife and I applied for a mortgage with XXXX XXXX XXXX  XXXX for the sum of {$44000.00}. In XXXX we refinanced our mortgage with XXXX XXXX XXXX  XXXX for {$55000.00} and consolidated mortgage one and two to form a single lien in the amount of {$55000.00}. A year or two later PNC mortgage servicing took over our payments and in XXXX we paid off our mortgage to PNC mortgage servicing but they never cleared our mortgage with the county. This year we put our house on the market and when they did a title search they told us that we still have a lien of {$55000.00} mortgage. We have already reached out to PNC Bank to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

Hello, In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


I told Experian, XXXX and XXXX to reinvestigate these hard inquiry accounts : Ran on XX/XX/XXXX through 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 and XXXX again. Yes XXXX, was ran twice with XXXX the same day/same time. 


All of the hard inquiries from XX/XX/XXXX was ran by, XXXX XXXX XXXX XXXX  at XXXX XXXX in XXXX, CA without my consent. XXXX XXXX from XXXX XXXX in XXXX, CA who is a XXXX  XXXX at that location, sold me my car. XXXX promised he would not run the " shotgun '' credit pulling option on me as I alerted him ahead of buying my car that I would not unlock my credit report if he did not agree to only run my credit at a maximum of only 2 times. I did agree to have my credit ran by XXXX XXXX XXXX 



I wrote letters to the credit bureaus for these as well. XXXX XXXX  Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX  Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XX/XX/XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX Experian. Please take these unauthorized inquiries off of my report as well, Thanks! 



I also asked them to remove all addresses, except my current address. I also ask them to remove employment and phone numbers. However, they stated everything was complete and accurate. But, how is that possible if the open date, date of last activity and much more is incorrect? According to 15 U.S.C 1681 I ( 5 ), They are supposed to modify accounts that aren't reporting correctly.

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. 15 U.S.C 1681 c ( 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 crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

I have a Cash App card that I regularly send money to for spending purposes every week, whether I swipe my Cash App card or take it off at a usual ATM. One week, I noticed the entirety of my usual weekly funds was taken off my card. I also noticed someone had been checking my balance remotely, which I have no clue of how to do, for sometime to see when i checked my email for receipt of the stolen money. Upon viewing this transaction, I noticed a few other times I wondered where my money had gone, someone checked my balance remotely before taking the remaining balance. Knowing the l would have a problem disputing the smaller and older transactions, I only disputed the 3 larger and more recent transactions. I contacted Cash App with proof that I was at work the time of the transaction ( s ) and would not have enough time to make to it my next shift in time for the other, proof of the multiple remote inquiries before the withdraws, and proof of the locations where the withdraws took place. In hopes these many photos and locations that were not usual spots of my transactions would help my case, I submitted my claim. I was approved on a single transaction, which was one half of a double withdraw transactions, and denied on the the other two. Clueless as to how I could be denied on one half of a double transaction at the same place, I resubmitted the transaction for dispute again along with the one at an unknown store and submitted additional proof. I was denied again and my account was closed. I lastly called Cash App support and tried to resubmit my claim by explaining to a representative how my Cash App card must have been duplicated by a skimmer and the whole situation. The rep put in the claim and also an appeal on the reopening of my account. Again I was denied and it has been 2 month with no response on my account appeal. Being an avid user with this experience, I fear Cash App are nothing but thieves working with criminals to help steal all our hard-earned money.
Product: Credit reporting 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 ) ( 1 ) require the XX/XX/XXXXand Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue with the address listed on my credit report. According to the information provided in my credit file, there seems to be an error in the address associated with my account. 
The current address listed is incorrect and does not reflect my current residential address. I am writing to update my address to ensure that all future correspondence and communication regarding my credit report are sent to the correct address. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX SSN : XXXX XXXX XXXX XXXX Regarding : My Experian file : XXXX According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you. I am asking for the following accounts to be verified or removed immediately. 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 or other personal consumer reports

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

Account Name : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a identify theft victim, I have reported to these companies as well as the credit bureaus thats these are not my accounts. Neither show any interest of resolving this issue, I have submitted police report as well as ftc report still nothing. Ive ask for physical signed documents which hasnt been provided.
Product: Money transfer, virtual currency, or money service

Below, I am attaching my original complaint with the XXXX  here in this text box. I am not going to give a terrible and unethical company like Wise the pleasure of having me re-type my main points out all over again. 

Original XXXX  complaint : " This complaint is in regard to a transaction that occurred on XX/XX/year> between myself and another XXXX named XXXX XXXX. XXXX XXXX signed a contractual agreement with me, and acknowledged that contract over text, which I can prove, assuring that in exchange for the money I was sending him, he would provide me XXXX marketing services that included things such as messaging leads for me and helping run multiple accounts. However, XXXX defaulted on this agreement, he provided an explanation at first, and said he would try to make things right soon, but then he ghosted and began ignoring me. Before he had began ghosting my attempts to reach out, he had followed up with me, offering me a refund if he was unable to complete these services but he has since not responded. Because of the contract, text acknowledgment, bank account details I can show he sent, and acknowledgment that he would refund me the money back, I believe Wise US Inc. should have to reverse the transaction and give me my money back immediately. Wise US Inc. was the facilitator of the transfer and has not been helpful at all in recovering my funds. If I had done this transaction on XXXX, with the amount of evidence I have, the case would have been closed in my favor by now, and I'd have my money. Instead, I am having to fight Wise to do something that I know they are capable of doing. They are not losing any money here, as they would be taking it from XXXX 's account, which continues to operate on the platform '' Effectively my stance and opinion on the matter has not changed XXXX iota. Ask XXXX different consumers if something similar has happened to them using this service, and you are likely to hear from dozens and dozens of people that Wise willingly helped defraud. This is patently ridiculous at this point that I have to fight this hard with a company to get them to do what they know is not only the right thing but also not difficult at all ; {$1000.00} to them is nothing, to a XXXX XXXX who is just trying to do right by his family, it's everything. Really take into consideration that Wise is willing to go to court over {$1000.00}. Does that sound like a company that should be doing business in the USA? 

If I have to, I will fight them, because I genuinely think people need to start standing up to companies like this. Please see below in the attached images. I will be attaching Wise 's snide response as well as some other images I submitted in my initial complaint that prove what I am saying to be the truth. Wise deserves to have an F rating with the BBB and be heavily regulated moving forward until they clean up their act.
Product: Debt collection

LVNV funding LLC contacted me via text message on behalf of XXXX XXXX XXXX at XXXXXXXX XXXX waking me up. Im currently in litigation with them awaiting our next court hearing on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/2022 that Credit Bureaus closed my complaint to protect my PRIVACY. I called XXXX credit bureaus after I purchased a credit report from XXXX on XX/XX/2022 After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : 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 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 
on my credit report which are UNKNOWN to me. This is disappointing because I have been paying IdentityIQ to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX, XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Checking or savings account

XX/XX/XXXX XXXX fraudulent withdrawal from teller in the amount of {$5000.00} XX/XX/XXXX XXXX fraudulent withdrawal from teller in the amount of {$4000.00} XXXX XXXX my car was broken into and my wallet with my Id and credit cards were stolen along with my work laptop and gym bag. Banks were contacted along with police. 

Faxed fraud packet provided by chase bank detailing the fraud that was committed. Faxed signed document 5 different times from the branch with a teller employee by chase bank and each time they never received said document. 

It is now XX/XX/XXXX and I still havent received funds back in my account. 

They keep stating they cant start my claim unless they receive the fraud packet but Ive tried faxing it and sending by mail but no response. Each time theyve said theyve never received it. And this has been sent each time from the bank itself.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

Ally Bank closed my online access in XX/XX/2018 for unknown reasons. I contacted the Bank on XX/XX/2018 to try to gain access to my account and provided all confidential information requested. Was informed that a Bank employee would call me in a few days to follow up. 
Called Ally Bank later the same day and spoke to a representative about transferring funds to another Ally account within the Bank, and was rudely informed that my account could not be accessed at this time. 
I have almost {$250000.00} in an online savings account with Ally Bank earning a low 1 % interest, I suspect they want to keep by account locked so they can continue to pay below market interest on my account. 
I have not been able to access funds in my account for almost two months.
Product: Debt collection

I am filing this complaint against Spring Oaks Capital LLC for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Recently, I disputed a collection account reported by Spring Oaks Capital LLC, and the response returned as verified without providing sufficient proof of the accounts accuracy or legitimacy.

Under the FCRA ( 15 U.S.C. 1681s-2 ( b ) ), furnishers like Spring Oaks Capital LLC are required to conduct a reasonable investigation into disputes. However, the lack of documentation provided to substantiate this account raises serious concerns about their compliance with this obligation. This constitutes a failure to : 1. Conduct a reasonable investigation of disputed information.

2. Correct or delete inaccurate, incomplete, or unverifiable information.

Furthermore, as highlighted in the recent lawsuit againsXXXX XXXX XXXX XXXX XXXX XXXXXXXX ), credit furnishers and credit reporting agencies are reminded of their obligation to comply with strict accuracy standards when reporting consumer information. Spring Oaks Capital LLCs failure to provide validation of the alleged debt, along with their continued reporting of inaccurate information, mirrors the negligence and non-compliance seen in the XXXX case. 

Impact on Me : This unresolved and unverifiable collection account has negatively impacted my credit score, causing financial harm and reputational damage. It has also caused undue stress and limited my access to credit and financial opportunities.

Desired Resolution : 1. I demand that Spring Oaks Capital LLC provide verifiable proof of the debt, including original account details, a contract bearing my signature ( if applicable ),