23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 ( 5 ) ( A ) of the FCRA- you are required topromptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is an inquiry that is reporting on my account that I did not authorize and is fraud. I contacted EQUIFAX multiple times to report as fraud. I called XXXX and they said this is not a INQUIRY from their company and is falsely reporting on my credit report. I also submitted a fraud alert on Identitytheft.org to no avail. This INQUIRY from XXXX is fraudenlent and should be removed from my EQUIFAX credit report. No one knows where this fraudenlent INQUIRY stems from or can validate where it came from? PLEASE DELETE this inaccurate information from my credit report. The INQUIRY date reported is XX/XX/2022. The type of INQUIRY is XXXX XXXX XXXX XXXXXXXX. There is also no phone number provided. During the dispute process EQUIFAX provided me the phone number for this INQUIRY and I called XXXX and they said this is not there INQUIRY and they did not authorize this INQUIRY. I don't even have a XXXX account. PLEASE HELP!
Product: Debt collection

This debt was placed on my credit report by RDAC who did not provide written notification of this debt or the right to dispute. RDAC stated the letter was mailed to my last known address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, no apartment number, so therefore it would have been sent to the leasing office, which would not come back undeliverable ( who has lost and not provided my mail before ). The previous complaint RDAC attached the lease with the XXXX XXXX XXXX XXXX, it clearly states move out date XX/XX/ and move out reason was XXXX XXXX, their client does have our forwarding address and did not provide us with a written statement of move-out charges. I would like a written letter of this debt to my correct address
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report. 

XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Experian XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

I am a schoolteacher and I recently applied for PSLF on XX/XX/XXXX. Up until then, my loan servicer was Nelnet, and I made loyal payments to them since XXXX, including throughout the entire COVID moratorium. I decided to check on the status of my application today ( XX/XX/XXXX ) because it had been over 30 days and I hadn't heard anything. When I signed in to studentaid.gov, I discovered that my servicer is now MOHELA. I was never informed via email or inbox that my remaining balance was transferred. I then attempted to set up a MOHELA account to make sure my balance appeared there. While I was initially able to see my account, my balance read as {$0.00} ( it also reads as {$0.00} on XXXX ). What's worse is that I was promptly logged out, and when I attempted to log back in, my account was locked. I am positive that my password was correct because I use a password keeper that always works. The only way to unlock an account is to call MOHELA, and the wait times are hours. When I called in XXXX during my application process, it took me over 5 hours to reach a human. I have read many news articles that have revealed deep problems with MOHELA 's ability to support PSLF, and their website can not keep up with the demand. Additionally, some borrowers are reporting major errors in their account information. These include much higher repayment amounts than what appeared on the estimate, and problems with balance transfers. Many of these problems cost the borrowers thousands in extra payments. My concern goes far beyond my personal anecdote, as millions of borrowers like me are petrified that our financial livelihood is at stake. I have already contacted my Congressperson urging that the Department of Investigation investigate MOHELA, as it is grossly mismanaging PSLF. I am also prepared to file suit against MOHELA in order to receive the PSLF forgiveness that I am entitled to by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this letter. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 U.S.C. 1681. 

XXXX XXXX XXXX : account # XXXX, reported balance of {$25000.00}, XXXX XXXX XXXX : account # unknown, reported balance of {$2000.00}, XXXX XXXX XXXX : account # XXXX, reported balance of {$1000.00}, all have 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 2 : It also states a consumer reporting agency can not furnish an 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

Equinox Counseling services offered credit repair services to my client based upon the recommendation of a lending officer. Under CROA under 1679b. Prohibited practices, it is prohibited to collect any payment in advance for credit repair. Equinox Counseling Services charged my client {$940.00} up front and when I confronted her in an email she stated she collected the monthly fee 's in advance, but when asked how many months and if she could refund the money because client would not continue with her she never answered my email or phone calls. My client also asked to cancel the same day after he told me he signed up with her and when he talked to XXXX XXXX, she said he couldn't cancel and get a refund because she had already sent out the dispute letters. In Texas, they have a 3 day cooling period and she said he didn't qualify. After emailing XXXX and confronting her and demanding answers, my client called me the next day and stated he didn't want any problems and she hadn't called him in 2 weeks until I messaged her asking for a full refund to my client since she violated the CROA. Now my client has mentioned to me he does not want any trouble and that he will put his home search off for a few months. This comes the same day after I had emailed her again. Also, after many attempts to get in touch with the mortgage lender I finally got a call back and the lender told me that many people from his office were leaving the business for this type of home loan. My client then calls me and tells me that the loans will be available at the end of this month. Whether he purchases a home or not, I don't want anybody else to be taken advantage of, especially, a client like this who puts his trust into me. If you need screenshots of the emails, XXXX messages ( which they never responded either ) and/or phone calls, please let me know and I can provide that. She stated in her own email that she had charged the money up front.
Product: Checking or savings account

On XX/XX/2024, I purchased a dress from the website XXXX using my Cash App debit card ( CashApp ) for {$53.00}. After several weeks of waiting and numerous attempts to contact the vendor, I realized I had been scammed. 

I promptly initiated a chargeback request through Cash Apps support feature within the app. After a week without a response, I contacted Cash App support directly to file a dispute, which was officially opened on XX/XX/2024. 

As more weeks passed without an update, I reached out again on XX/XX/2024, to inquire about the status of my claim. Cash App support informed me that I would need to wait up to 45 days for a resolution. I requested a provisional credit during this period, as outlined on Cash Apps official website, but no such credit was provided. 

Nearly 10 days later, I received an email stating my dispute was denied on the grounds that no error had occurred, despite the clear evidence I provided showing I had been scammed. Since then, I have repeatedly contacted Cash App via email and phone, requesting documentation on their decision process and urging them to reopen the case, as it was evident that my claim was not thoroughly investigated. 

Cash Apps refusal to fully investigate and resolve my claim has left me without the product and out {$53.00}. As a result, I am deeply dissatisfied and feel unprotected as a customer of Cash App. I urge the CFPB to intervene in this matter to ensure proper resolution and prevent similar issues for other customers.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

This is a continuous complaint according to a previous complaint : ID XXXX Why had it just been closed? How can I do next? It's a dispute. Where and how can I fight for my right? 

Below is my reply regarding the response from the company : Firstly, as I said before, I respect and have no issue that XXXX bank closed XXXX XXXX 's bank account. Because it's the banks ' right to choose their clients. 
Now XXXX is asking for the damage that occurred by the XXXX bank 's misleading message. Because it was an official message from your bank. Your bank should really NOT continue to send that kind of message if the account was not able to receive any funds. Also, you guys should really NOT returned the fund to any third-party WITHOUT her permission AFTER sending such a confirmation message. She had sent the goods to that sender and there is no way for her to claim it back ( If need, XXXX XXXX could prove all the details ). Obviously, she deserves compensation from your bank because it was totally a technical mistake from your bank. 

Secondly, regarding the so-called 'fraudulent wire recalls ', it's just a unilateral claim from the SENDER 's side. It's not real. It's unfair that you guys judge her before a clear investigation. You guys should give XXXX XXXX a chance to explain the story behind. She is NOT a fraudster. If you guys need or are interested, XXXX XXXX can provide all details to prove she is NOT a scammer. It happened to her before. Actually, some people online bought a virtual tool from her, which is definitely legit and had clear proof shows that the buyers knew that. But people might use that virtual tools to invest in other projects ... If any recalls occurred, probably because some of them might be scammed by those online projects or lost money in their investments and nowhere to trace back. Then they tried to recall the payment from XXXX instead. Some might do it intentionally, and pretend they didn't know. Some of them might be really ignorant. It's totally not XXXX 's fault or responsibility. All the inward remittances are her legal fund. Anyway, this is not the point of this dispute. 

So, I wish, the XXXX  bank, as an honorable financial institution in the market, could face the fact and be responsible for their clients. 

Thanks so much.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>XXXX XXXX XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I have a home loan with Bank of America Loan # XXXX. I have been unemployed since XXXX XXXX, XXXX and on XXXX XXXX, XXXX fell behind on my payments. I contacted Bank of America in the XX/XX/XXXX to let them know that I may fall behind in the near future and was n't sure I would be able to pay for XXXX. I had contacted HOPE and based on the information I gave them the counselor said that I qualified for an unemployment forbearance. When I spoke to Bank of America the account manager I spoke with said " we can not help you because you do not have income coming in. I will send you a loan modification packet because we by law have to send it. '' I filled the paperwork out but they have been dragging their feet and not giving me an answer when they already said they could n't help me. I feel they are stalling so that my house will go into foreclosure so that they will have to do a short sale of the property. I am in the process of putting my house on the market because I feel that Bank of America is not willing to work with me on programs I may qualify for. I feel they are purposely stalling the process when they are going to deny me help anyway so that they can profit from this. I only have {$3100.00} to my very name and need money to survive until I can find employment. They are fully aware of my situation and finances due to the modification paperwork I filled out and even though they know how desperate my financial situation is, they are refusing to look out my best interest because they are a business and looking out for themselves. I would like to be able to make a profit from my home in order to stay afloat. Bank of America truly needs to work with homeowners who especially want to remain in their homes and who like me have NEVER missed or been late on a payment. I would like for them to stop the deceptive practices and value their customers more instead of always looking out for themselves. I personally want them to understand and work with me to gain a profit due to my situation. We make their business and I have informed them that I am going to get on social media and let everyone know what type of bank they are and that they care nothing about customers but their bottom line. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Money transfer via Western Union from my banking account at XXXX for {$650.00} was cancelled on XX/XX/XXXX. Western Union reports they released the funds. The funds have not been received - not in my banking account as of today 's date XX/XX/XXXX. Please investigate this compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year since XX/XX/XXXX, my Credit information has been mixed with my Father 's at all three Major Bureaus. I have the annual battle most every year. XXXX in Ga. is  the most blatant offender. I am XXXX XXXX XXXX XXXX. I did sign documents as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is also Legally Correct as my Identity. I 've never Identified or Signed or otherwise AKA myself as other than what you read here. Banking, Legal Documents, Paychecks all have been with the XXXX as my NAME! In desperation in around XX/XX/XXXX, I started signing My Name as XXXX to XXXX PROOF my name and protect my Identity. Yet the Battle continues as this year too I am engaged and embattled to protect my Identity. My Wife and I have been Victims of Identity Theft close to or more than 6 times since around XX/XX/XXXX. 
XXXX XXXX reported me as XXXX & XXXX XXXX. I 've requested to fix this through disputes. 5 ( maybe 6 ) Times?? The FIX ; now I 'm my dead father - XXXX. 
XXXX reports me as XXXX & XXXX XXXX. After 2 USPS Letters addressed to my XXXX Father, which I wo n't open. & Phone Calls. An online dispute netted a resolution of an Email was sent to me in : my XXXX Father 's name. 
. Trans Union : Still mixing my Info with my XXXX father.  idpute lodged, second response still the same. His name with a Credit report of his information about a XXXX XXXX XXXX he opened i XX/XX/XXXX. We went Bankrupt in XX/XX/XXXX, it was discharged in XX/XX/XXXX .. Irt was closed by the Grantor in XX/XX/XXXX. He Passed in XX/XX/XXXX. Yet, it is still listed in MY CREDIT REPORT. 
XXXX .. I did not receive a report in the Mail as requested ... YET. 
All there of these re [ orted my Wife and I as paying as agreed on accounts way past the Bankruptcy Discharge Date. Well past 10 years stl reporting falsely. 
I am unable to call or through the internet XXXX to find out if my Wife or I either had been part of the XXXX Recent foo pah .. 
Do you enforce the LAW? Please do ....
Product: Credit reporting or other personal consumer reports

Earlier this year i signed up for a credit monitoring app and found out that someone had applied tor 4 credit cards under my name to am address i no longer even live anymore, immediately froze my credit and place a fraud alert on my report, i reach out to these banks ( XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX  ) to let them know i wasn't the one who applied for these cards. 

I also found out that the bank detected the accounts where fraudulently opened and had terminated the cards but then the cards still appears on my credit report and have BADLY affected my credit score which went from XXXX to currently XXXX.
Product: Debt collection

Previous complaint filed against  XXXX   XXXX  relative a defective mattress delivered  XXXX    XXXX   with no communication or follow up from the store to resolve the issue.     The conclusion of the previous CFPB complaint states : Please note Comenity Capital Bank and  XXXX  are  two s eparate entities. The Bank issues and is responsible for addressing questions related to the credit card account.  XXXX  is responsible for handling matters related to sales, merchandise processing, returns and shipping.  XXXX  informed us they will attempt to schedule a service technician to inspect the merchandise and come to a resolution.     Since this response and closure of the complaint,  XXXX  still has not made any attempt to resolve the issue. A refund should be granted.      XXXX  also lied and stated no communication was ever received but clearly there were  XXXX  separate emails sent to the same email address on different days per their request. Attached is confirmation that the email address used is correct and a regularly checked email inbox.