23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am approved for a new 1st mortgage and the 2nd mortgage home equity bank First Citizens of North Carolina was asked to subordinate their loan. I was declined verbally for the subordination and given the reason : I am cashing out combined with a XXXX score, however, approved if no cash out, which concerns me for Fair Lending. I also explained that the score does not reflect the recent XXXX mortgages paid in full and as agreed on XXXX/XXXX/2015 for {$500000.00}. The refinancing company also sent the XXXX to show those mortgages are paid and closed as proof and verification.
Product: Credit reporting or other personal consumer reports

from TransUnion. 
Special Messages The following Special Messages may be provided to an authorized party when it makes an inquiry into your TransUnion credit report. These messages provide important details concerning the information contained in your file and/or the authorized partys inquiry. 
INPUT SSN LIKELY NOT ISSUED PRIOR TO XX/XX/2011 but i recieved my social 5 months ago.! this imfomation not regarded me.
Product: Student loan

I called Nelnet about conflicting information I was receiving between The secretary of education, XXXX, and Nelnet. 

Sometime around XX/XX/XXXX I applied for the XXXX debt forgiveness offered by Secretary of Education. In completing the application I used the loan number for the loan I had with Nelnet. 

The balance is about {$10000.00} on this loan. 

A letter dated XX/XX/XXXX was received by me from the secretary of education stating not to make payment until XX/XX/XXXX. 

I talked with a supervisor today at Nelnet and they said that was for another loan with Great Lakes and did not apply to this loan. They also turned me in to the credit bureau for not making payments. 

I have not heard from nor takes to Great Lakes for over 5 years. 

I was not able to explain this to the supervisor because he kept talking over me when I would try to speak. 

He said FASA informed me wrong. 

Because of the way he was talking to me I was able to see he was not going to help resolve my issue.
Product: Credit reporting or other personal consumer reports

I am submitting this complaints in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. The account are listed below that needs attention : XXXX XXXX XXXX Balance Owed : {$5400.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00}, XXXX XXXX Balance Owed : {$170000.00}
Product: Credit reporting or other personal consumer reports

Ive recently become a victim of identity theft, and my personal information has been used without my knowledge or consent. As a result, I am now seeing several accounts and inquiries on my credit report that I have never opened or been associated with. To address this, I followed the proper steps, including filing a report with the FTC and submitting it to Equifax. Despite this, the fraudulent items are still showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, BK OF AMER add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account that need to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX / XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. Someone stole my identification and got medical services. Those medical services were never paid by the perpetrator and is showing up on my credit reports. Equifax is blatantly disregarding my rights by law and willfully neglect to make my credit report accurate. By law, the Credit Reporting Agencies must block fraudulently opened accounts from appearing on my credit report, according to the FCRA Section 605b. The consumer reporting company has four business days to block the fraudulent information after accepting my identity theft report. On XXXX/XXXX/XXXX I sent by certified mail to Equifax a copy of my government issued Identity Theft Report detailing the theft of my ID and of the services illegally gained, a copy of my government issued Drivers License for identifying purposes, a letter citing FCRA 605b, and a credit report page showing the two accounts that were illegally gained. There are certain instances where a Credit Bureau can decide not to block the illegal information, however, I have surpassed all of the requirements to warrant a block of the accounts appearing on my report fraudulently. ( c ) ( 1 ) ( a ) I did not request this block in error. ( c ) ( 1 ) ( b ) There was no material misrepresentation of facts by me. ( c ) ( 1 ) ( c ) I did not obtain possession of goods, money, or services as a result of these illegal transactions. Not only did I surpass the requirements to lead to a successful blocking of the fraudulent accounts, I also sent in every item as required by law to do so. On XXXX XXXX, XXXX, I got a letter from Equifax stating that they will not block this fraudulent information, and they did not give me any specific reason as to why. Why is Equifax openly violating my civil rights and failing to follow the law? I am suffering mentally, physically and financially over Equifaxs ' handling of this matter.
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. 
XXXX : # XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  : # XXXX, has violated my rights. 


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: Debt collection

I noticed that my credit score had dropped a few points recently on the credit monitoring site that I use. I looked into it and saw that it was a result of a collection against me originally from XXXX for {$29.00} issued in XX/XX/2019. I had not received anything in the mail about this, and I did not know where this debt came from. I did use XXXX services 2 years ago, but I canceled my account when I moved back home. I do not owe them any money. I do not know how to dispute this.
Product: Credit reporting

I have tried numerous times to have my creditors review and update my credit information to no avail. I printed out all XXXX credit bureaus, credit reports and I 've also sent the disputes trying to update all my information and as of now my credit report is still the same I paid off all of my credit cards with revolving interest and the majority of my accounts with a large balance and I still have a low score. I 'm currently in the process of purchasing a home but I can not purchase my home with my credit score being so low. I sold my previous home in order to pay off all pending loans and credit card balances and no change as of yet. Please help!!!!
Product: Credit card or prepaid card

The Apple/GS Credit Card filed that I was over 60 days delinquent when in fact I was unable to make a payment due to inadequacies in their system. I purchased a new XXXX in XX/XX/XXXX and agreed to pay for it through the Apple/GS credit card. I was told at the time that I would receive statements via email, and the Apple employee and I spent considerable time confirming my email address. When I receive the physical card some weeks later there was no information on it, no account number, and more importantly, no telephone number for customer service. Several months went by before I finally received a letter from Apple/GS with a contact phone number. I called them immediately, and they walked me through the convoluted process of setting up the XXXX XXXX and then provided me with detailed instructions for making payments by check through the mail. None of the information I received at the Apple Store turned out to be correct. ( 1 ) In order to function properly your XXXXXXXX XXXX must match your current email address. This fact was not conveyed to me until nearly 6 months later. This would make it impossible for Apple/GS to contact me electronically despite their claims to the contrary. ( 2 ) Even with the proper email address, the Apple/GS card never produces a statement of any kind. In order to get a statement cardholders have to call customer support and request one each and every month. While this may technically be in compliance with current Federal law, it does not satisfy the spirit of the law. ( 3 ) You are expected to use their App as the only mechanism for making payments which makes it impossible to set up any kind of payment schedule with your bank. As a victim of identity theft in XXXX I am rather reticent about sharing banking information with an App on my phone. ( 4 ) Heaven help the poor soul who, after charging multiple purchases to their Apple/GS card, discovers that they have lost their XXXX and with it their only means of making payments or even contacting customer support.
Product: Credit reporting or other personal consumer reports

RE : Demand for Method of Verification Unverified Account Dispute To Whom It May Concern : I am writing regarding Account : First Tech FCU, Account Number : XXXX reported on my credit file that I believe is inaccurate and unverified. I recently reviewed my credit reports from all three major credit bureaus, and this account does not appear to have been properly investigated. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of any information you report and conduct a thorough investigation when a consumer disputes the validity of an account. Based on my review of reports available to me, I believe this account is inaccurate, and your failure to properly verify it is unacceptable. 
I am also aware of the recent lawsuit involving the Consumer Financial Protection Bureau ( CFPB ) and XXXX, which highlights failures in proper investigations and handling of consumer disputes. I urge you to ensure that your practices align with the standards required under the FCRA. 
To resolve this matter, I demand the following : 1. A detailed Method of Verification ( MOV ) that outlines how the information for this account was verified, including : The name and contact information of the party who provided verification.

The exact steps taken to investigate my dispute.

Copies of any documentation used during the investigation process.

2. Immediate action to perform a thorough reinvestigation and provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ).

Please note that under 15 U.S.C. 1681i ( a ) ( 7 ), I have the right to be provided with a detailed description of your reinvestigation process and the method by which you verified the account. Your failure to provide this information will leave me no choice but to escalate the matter further.

Continued reporting of inaccurate information is a violation of federal law and may result in a complaint filed with the CFPB, my states Attorney Generals office, or further legal action. 
I expect a written response with the requested information within 30 days of your receipt of this letter. Please send all correspondence to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/2022, {$680.00}, Account number XXXX - I received a letter from Portfolio Recovery today XX/XX/2022. I have notified Portfolio Recovery Associates , LLC several times that the account they purchased from XXXX XXXX Bank ( XXXX XXXX XXXX. is not my account. I have attached the letter that they sent me today along with the letter I received from XXXX XXXX Bank. The letter from XXXX XXXX Bank clearly states that " XXXX XXXX Bank conducted an investigation, and the account was permanently closed. You're not responsible for any balance that may be due on an account that we decided was opened through fraud. '' Consumer law - 15 U.S code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
PORTFOLIO RECOVERY ASSOCIATES , LLC IS BREAKING THE LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am writing this complaint because Equifax has failed to complete an investigation or have failed to communicate back any status of an investigation. On XX/XX/XXXX I sent a letter disputing a few inaccurate items found my credit report as well as a notarized id letter, my drivers license, and bank statement for proof of address. I wish I could have known about them before a lot of my recent financing. I never heard back after my first letter. After some online research I know it is against FCRA to take longer than 30 days. Due to covid I just submitted a Follow up letter, that was on XX/XX/17. I wanted to involve the CFPB because its now been almost 45 days and I do not want my disputes neglected. Please deleted these inaccurate items from my report
Product: Debt collection

I get frequent and repeated phone calls through out the day. It's starts at XXXX XXXX and goes on through the evening and weekends on some days. This company never leaves a message to let me know what they are calling for and I'm not sure why they keep calling. I only see the caller ID on my phone that says it's " Portfolio Recovery ''. After looking that name up, I found that it is a collection agency. However, they do not state the nature of their call. This company will simply drive you crazy with their robo calls and if you block the number from calling you back they will change the number to keep calling you. It's very frustrating and annoying to deal with. I use my phone at work and I'm constantly having to deny their calls while I'm on the phone with vendors and other business reps that I have to speak with on a daily basis.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate costumer 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: Checking or savings account

On XX/XX/17 I responded to a mailer that I received from Citizens Bank to open up a Platinum Checking account and get paid a {$250.00} bonus for doing so. This offer was also online at the time. I went to my local Citizens Bank branch to open up the account, but was told that I had to apply online. So I went home and applied online. The fine print for the {$250.00} bonus stated that you had to make a single direct deposit of {$500.00} or more within 60 days of opening your first new Citizens Bank Platinum Checking account. So, I complied with this by having a direct deposit set up. The first direct deposit was credited to my checking account on XX/XX/17. I was supposed to receive the {$250.00} bonus within 90 days of opening up the checking account. When I did not receive the bonus, I called customer service at Citizens. They contacted their marketing department for me, and were told that I would not get the bonus because I did not enter an " offer code '' online when I applied for the checking account. I told customer service that there was never an " offer code '' associated with this offer, especially when I was online applying and entering my information. They said to email the " office of the chairman '' at Citizens Bank, which I did. After emailing that department, I received a phone call from XXXX XXXX at XXXX. She also tried to convince the marketing department at Citizens to pay my {$250.00} bonus, but they failed to do so. I am asking the CFPB to make Citizens honor their offer to me by paying the {$250.00} bonus that I earned by opening up a Platinum Checking account.
Product: Debt collection

The company LVNC Funding, LLC has never been able to verify or send valid information of this debt after several of my attempts over the past 2 years. The debt is {$920.00} with XXXX XXXX XXXX. 

Finally, I contacted them last week at XXXX to ask for an agreement in writing. This agreement from me was that, if I pay a certain amount, they will remove this debt that doesn't belong to me from my report. 
They told me that they no longer own the debt and that it was sold to XXXX XXXX XXXX, who I contacted at XXXX. 

I called XXXX XXXX XXXX to ask for this pay to delete letter and they stated that, they are not authorized to collect from the State of Florida, where I live. They said that they will send the debt back to LVNV Funding to collect from me. I called LVNV right back to explain this and they said " Oh well once we get the debt back, we will send you a notice ''. 

They have not proven that this debt belongs to me. I disputed twice and a credit repair company disputed once. It was been removed and replace on my XXXX and XXXX  reports under different collectors. I want this item removed for good. They keep shuffling it around to creditors who are not authorized to collect from me.
Product: Debt collection

I am a victim of identity, scamming, and fraud. The account in question is a result of my personal identity being hacked and stolen from breach from credit bureau
Product: Credit card

I just paid a large portion of my, R'US ' Mastercard from Toys r us and Babies r us, credit card off, to under XXXX % usage when the credit card company decided to lower my credit limit and then immediately reported it to the credit bureaus so that it looks as though I am using XXXX % of my available credit when it was below XXXX %. On top of that, I paid XXXX on my card and they lowered it from XXXX to XXXX leaving XXXX dollars available and they did it based on false information that is being corrected and fixed on my credit accounts that I was unaware of. How am I supposed to get wrong information corrected on my credit when I am not informed that it was added to begin with! 
They wanted to use my debt to usage ratio as one reason when they are not even reporting their balances correctly? They also wanted to use my history of accounts as a reason when I can not control my history of what is being reported. How is this my fault or my responsibility to control when I can not? This hurts my credit and takes far longer to recover. It affects how much my interest rates are and costs me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, per Capital One letter they requested credit bureaus to remove fraudulent inquiries from my credit report, I waited 45 days and those fraudulent credit inquiries are still reported on my credit reports. 

Fraudulent Credit Inquiries from the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am demanding those fraudulent credit inquiries to get removed from my credit bureaus right away since I already waited more than 45 days, and I need confirmation that those fraudulent credit inquiries have been removed from my credit bureau.
Product: Mortgage

Bank of America has manipulated my mortgage and escrow. Secondly, Bank of America hire d a contractor (   XXXX   XXXX   ) to  take pictures of my home.  XXXX   XXXX  employees damaged my home and Bank of America charged for debris removal even though nothing was removed ( see pictu res ). I told Ba nk of America that I want to avoid foreclosure by selling my home or doing a deed in lieu of foreclosure ; Bank of America wo n't return my calls please help.