23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX ( XXXX ) from New Era Asset Management has called my workplace on the unsecured line, called other phone lines in my name, very aggressive nature and states he was told to contact me for a complaint filed in XXXX County for a debt that I owe. I have not received any written documentation from his company regarding the debt or a chance to call them with a resolution. I am recently employed after being laid off 2 years ago and along with caring for my XXXX sick mother and also dealing with my own health issues, I have fallen behind with a lot of debt and will need 3-6 months to get caught up. XXXX states that the " smart '' thing to do would be to call him back. He also states that he knows where I work- this statement implying a threat to interfere.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record untilXX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, TX XXXX
Product: Debt collection

Company illegally accessed the records of XXXX XXXX and subsequently illegally pursued collection activities against him. Company charged an additional {$24.00} in fees and then debited the bank account of XXXX XXXX for a total of {$300.00}. XXXX XXXX became aware of this fraudulent action on XX/XX/2017 and contacted company. Company insisted they had the right to collection on the account, having never provided the FDCPA requirement of a letter within 5 days of calling the debtor ( nor at any time thereafter ), that XXXX XXXX had agreed to payment in writing and they would debit the account based on that. XXXX XXXX was unaware of his rights or options until the TRUE legal owner of the debt, XXXX   XXXX XXXX reviewed the matter and educated him. DEMAND was made to Critical Resolution Mediation to refund XXXX XXXX in the full amount of {$300.00} so that he could pay the legal owner of the account the lesser amount of {$130.00}. Company failed to respond to all demand letters, therefore this is step one in a series to start the process of GOVERNMENTAL ACTION AGAINST THE COMPANY. 

There are NUMEROUS complaints against this company on file through the XXXX  and other websites. CRITICAL RESOLUTION MEDIATION MUST BE STOPPED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to dispute fraudulent inquiries on my credit report. Equifax refuses to remove them and they are telling me to contact 24 companies myself. When I asked where does that say so in the fair credit reporting act, the representative hung up in my face. This is not the first time that equifax has done this and gotten away with such negligence. They are trying to avoid their duties of upholding the laws that were put in place to protect consumers against fraudulent activities.
Product: Bank account or service

Open account with PNC Bank, since beginning have trouble with them, let it go as an error but it did escalate until week of XXXX XXXX, when have to request them to close the account, payments that went okay, were returned with no apparent readon when account was positive. Still dealing with fallout, any help, appreciated it. Sincerely, XXXX XXXX. Thanks.
Product: Debt collection

I filed with CFPB the company stated they couldnt locate an account with my information I resubmitted showing them that they were on my consumer file and I proceeded to dispute with Experian they contacted me 2 hours later saying its validated.. Who did they interview in that short amount of time to come up with that conclusion.. That leads me to believe Experian didnt do a thorough review its automated and Im filing a complaint Subject : Cease and Desist Notice Unauthorized Access and Furnishing of My Consumer Report Under 15 U.S.C. 1681 To Whom It May Concern, This letter serves as a formal cease and desist demand regarding the unauthorized access and furnishing of my consumer report, which appears to be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Upon reviewing my credit report, I discovered that my personal and financial information has been accessed without my explicit written consent, particularly for insurance underwriting or other unauthorized purposes. Pursuant to 15 U.S.C. 1681b ( a ), a consumer reporting agency is only permitted to furnish a consumer report under specific circumstances, including when the consumer has provided written authorization. I have never given such written consent.

Furthermore, 15 U.S.C. 1681b ( f ) prohibits any entity from obtaining a consumer report without a permissible purpose. Any continued access to my consumer report without my express written permission constitutes a violation of my rights under federal law.

Therefore, I demand that you immediately : 1. Cease and desist from any further unauthorized access, use, or furnishing of my consumer report.

2. Remove any inquiries or accounts that were obtained without my written authorization.

3. Provide me with the names and contact information of any entity that accessed my report without my consent.

4. Provide proof of my written authorization for any disputed inquiries or accounts. If no such authorization exists, the disputed entries must be removed immediately.

If you fail to comply with this cease and desist demand, I will have no choice but to pursue further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing civil litigation for FCRA violations.

I expect full compliance and a written response within 30 days, as required under 15 U.S.C. 1681i. This letter serves as formal notice, and failure to act accordingly may result in legal consequences. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, PHH Mortgage for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked PHH Mortgage for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a PHH representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, PHH reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to PHH Mortgage on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. PHH Mortgage sold my mortgage to XXXX Mortgage right after the last trial modified payment was made but didn't inform XXXX Mortgage that I made my trial payments. I had to send XXXX Mortgage a copy of the signed and notarized paper as proof of the action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with capital one bank, on XX/XX/XXXX XXXX, I paid off account to have a XXXX ( XXXX  )  balance, which was {$330.00}, as of today my balance remains reporting as {$330.00}, credit bureaus don't have correct information and needs to be corrected
Product: Money transfer, virtual currency, or money service

I am filling 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 an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, theyre dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under The Electronic Fund Transfer Act ( EFTA ) Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NCB is a collection agency that bought the debit from XXXX XXXX which was the creditor reported as Unpaid balance reported as a loss by credit grantor. back in XX/XX/year> to XXXX. Since then, I sent certified letters letting them that they are reporting inaccurate information to XXXX and XXXX and that I do not own the debit that they are saying I have with their company and that they need to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit agencies are showing way off differences. I was using XXXX XXXX to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. Redit   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been Kate on a payment and my score keeps dropping
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Negative Accounts : XXXX XXXX Account Number.n/a Account Opened : XX/XX/2022 Balance {$2400.00}
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to the credit bureaus requesting that several accounts be validated that are on my credit reports. Despite my numerous letters, these accounts are still reporting inaccurately. 

XXXX continues to report the payment history different on all three bureaus. 

and XXXX XXXX XXXX ( XXXX XXXX XXXX ) continues to report the payment history different on all three bureaus. 

Per the FTC, this should have been corrected already per my numerous requests.
Product: Credit card or prepaid card

The phone number for two-factor authentication is outdated. I can not " prove '' my identity online. This causes a cascade of problems and I am harmed. Synchrony claims the data is in error at a third-party ( s ) but the effect is not seen in any other account using the same third-party ( s ). It is irrelevant. Synchrony has created or caused to be created a condition that blocks me from full ad unfettered access to my account and equal protection under law. 

This condition has existed for years. Synchrony 's claim that outdated credit bureau information will eventually self-correct is absurd in context. It is dismissive and disrespectful of their charter. 

I do not have access to the old phone number. I can not complete any two-factor authentication process dependent on obsolete data. Synchrony unlawfully places the burden on me.
Product: Credit reporting or other personal consumer reports

My complaint is against Experian. On my credit report XX/XX/year>, it states " You have XXXX Open Accounts Total balance : {$7800.00} ''. My actual open account balance according to them and my report is {$80.00} and I only have XXXX open account. I filed XXXX complaints with them and when they responded they said they were including all of my accounts including the closed ones in my Open Account balance. According to the Fair Credit Reporting Act they are not allowed to report incorrect information which Experian says this is. They are double penalizing me by reporting my Open Account balance is {$7800.00} when it is only {$80.00}. I am trying to get a mortgage and this is damaging me in the process of obtaining credit because it is skewing my Debt to Income ratio. I have gone back and forth with Experian via email and they are refusing to correct it even though they have acknowledged it via email. What are my options to escalate this matter? Experian Complaint # XXXX
Product: Credit card or prepaid card

CITI dispute department Does NOT do a good job in reviewing the case. they skim through material, and not put their customer 's benefit at first. They are not being transparent to their review process and just gave out vague reason for what they did. I have solid and strong evidence to prove my case but they choose to ignore, or not care. I need an explanation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an investigation on my credit report which is causing me so much stress. I pulled my credit report from XXXX XXXX XXXX and I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

On XXXX I mailed a certified letter to you about a inaccurate account on my credit report. I checked my credit report to see that the account was not deleted or updated. On XXXX I sent a certified letter again to do a reinvestigation on the same account that was showing inaccurate information. It shows that the letters were delivered and the accounts were not deleted or updated again. It has been over the 30 day time to rectify this inaccurate information and they refused to do it. 

Here is the account : I sent This letter to Equifax, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX # XXXX XXXX ) Date of Last activity : XXXX reported date XXXX, XXXX reports date XXXX and Equifax reports date XXXX. Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report I underlined and highlighted the error as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit card or prepaid card

Chase Bank, the entity that holds the United Airlines mileage card, closed my account without cause. Upon inquiring, the reason given was that I had not used the card in 5 months ( end of XXXX - middle of XXXX, 2023 ). 

I have several thousands of dollars in United Airlines travel and this act is directly impacting my ability to earn miles. I learned of this farce as I went on to the United Airlines app to pay with my United Credit Card to upgrade my seats for the first trip, coming up on XX/XX/XXXX. 

I have been a card member for 11 years, I always pay my bill, I have auto payments set up so that there is never a missed payment and generally do not carry a balance or incur interest fees. That is the real reason they cancelled the card, they aren't making enough money on my use. 

Upon further discussion, as I explained my need to make a charge, I was told to " re-apply '' for a new card as the company would not reinstate the old one ( that had been cancelled for less than a month at that point. ) So, as a consumer with excellent credit, a history of paying my bills before they incur interest, a long standing customer .... I need to reapply for credit, thereby impacting my good credit score, so that banks like Chase can charge more interest? I am appalled by this lack of integrity and outright scamming that is happening by Chase Bank. FIX IT. 

XXXX XXXX Last 4 of card number : XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX  ( Mr. Cooper ) refused a " Reverse Mortgage '' on a 3.875 % loan {$250.00} House with {$82.00} left on the mortgage. My age is XXXX with the need for senior citizen.line of credit.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed I have a fraudulent account opened by XXXX XXXX XXXX. I have never had any business with this company or agreements and need this removed from my credit immediately.
Product: Checking or savings account

Before the pandemic, I kept around $ XXXX in UFB high yield savings. One day I went online to check my account and found that there was a checking account worth over XXXX XXXX XXXXXXXX dollars tied to my account, over {$550000.00}. This is not my money. The account is held by XXXX XXXX XXXX XXXX XXXX. My bank, XXXX XXXX, used to be XXXX XXXXXXXX XXXX XXXX XXXX 

I immediately contacted UFB to inform them of the error. They said, well, just delete it. Frankly, I am so paranoid over this, I will not touch it. They made the error, they need to clean it up. 

Meanwhile, I removed all my money except for {$.00}. I kept that so that I can check on the account. Sure enough, they still have the XXXX XXXX account tied to my UFB account. I have written them again.

This has been going on since before the pandemic ; I'm not sure how long.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 

In accordance with the fair credit reporting act XXXX these accounts have violated my rights.

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.