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

XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  v. XXXX  XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  DEAR Creditors : Recently, I received a correspondence from XXXX  Credit Reporting Agency and/or it's attorney ( s ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services.

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) c/o XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date ( s ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) HSBC XXXX XXXX XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX  cc : XXXX  Settlement Class Counsel XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

National Credit AdjustersXXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Subject : Dispute of Account Information Account No. XXXX Dear National Credit Adjusters Dispute Department, I am writing to formally dispute the information being reported on my credit file for the above-referenced account. According to my recent credit report, the following inaccurate details have been reported : Reported Balance : {$4100.00} Account Status : Collection Amount Past Due : {$4100.00} Delinquency First Reported : XX/XX/year> I believe this information is incorrect and negatively impacts my credit profile. I kindly request a thorough investigation into this matter and for the necessary corrections to be made. Please provide verification of the reported balance, account status, and amount past due. If you are unable to verify the accuracy of this information, I request that the erroneous data be removed from my credit report immediately. 

Enclosed, you will find copies of relevant documents supporting my dispute, including a copy of my credit report highlighting the disputed items. 

Please provide a written response regarding your findings within the timeframe specified by the Fair Credit Reporting Act ( FCRA ). If the information can not be substantiated, I expect its immediate deletion from my credit profile. 

Thank you for your prompt attention to this matter. I appreciate your cooperation and look forward to resolving this issue. Please confirm receipt of this letter and provide a resolution at your earliest convenience.
Product: Credit reporting, credit repair services, 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 / XXXX XXXX BANK Account Number XXXX ; XXXX  XXXX  Account Number XXXX ; XXXX  XXXX Account Number XXXX ; DEPT OF ED/XXXX  Account Number XXXX ; XXXX XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX XXXX  Account Number XXXX ; US DEPT OF EDUCATION Account Number XXXX ; US DEPT OF EDUCATION Account Number XXXX ; XXXX Account XXXX XXXX ; US DEPT OF EDUCATION Account Number XXXX ; XXXX XXXXXXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX ; XXXXXXXX XXXX XXXX  XXXX Account Number XXXX ; XXXX XXXX XXXX  Account Number XXXX has 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 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}
Product: Debt collection

For weeks this supposedly debt collector has called me an enormous amount of times & have left multiple threats to sue & garnish my wages. They call from many different number some unknown and disconnect there numbers as they go. They claim they are representing ACE CASH EXPRESS but have yet to mail me legal documentation instead they keep emailing me supposedly proof of debt. I just received another voicemail that I have transcribed below from their dispatch office. Its a bit fragmented but you can clearly see the threats ( please see attachments ). I also  have all their numbers and information they have given me to contact them and pay. 

Calling themselves Office of XXXX XXXX Called me this morning from dispatch office XXXX Told me to contact ACE directly to get proof which was not their number which is XXXX Then told me to call the legal office to sort this matter XXXX I also attached the supposed debt that I owe. The loan was for XXXX originally from ACE EXPRESS but they told me there are processing fees that o have to pay. Please do all you can they are threatening to come to my job.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed an inquiry that do not belong to me. 

XXXX XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I applied for Bank of America credit card by their special mail with code. During application submittal, there is an error happened, and some of the information hasnt been received by a Bank of America application verified by my call thru them same day. The screen shows can not make any decision because of info missing. Bank of America run my credit report About 40 minutes later after errored application submittal. 

After one week I received a mail by BOA requesting SSA form verification for SSN and income documents so they can go through with my application. I give a call to Bank of America and they said please send them in 30 days So my credit report is still valid. 

Mailing my documents on XX/XX/XXXX, Bank of America receives it on XX/XX/XXXX, still having three business days until my report expires. 

Bank of America does not process my documents for Another two weeks and held my application. On XX/XX/XXXX, they run another credit credit check without my authorization And they ruin my credit score. 

After receiving inquiry alert, calling BOA and I told them this is against the credit act law. They gave me unreasonable answers for not doing my application on time. And can not provide me of my authorization for second credit report pulling. Total wrong business practices. 

I am requesting dispute for the 2nd inquiry they made without my authorization and I need CFPB to step in. Thank you.
Product: Mortgage

XX/XX/2023 Dear Sir or Madam : I am having a dreadful time with Towne Mortgage, my relatively recent mortgage carrier. We took our a mortgage with them in XXXX of this year. Our first XXXX payments, paid through my XXXX XXXX service at my XXXX bank, went through without a hitch. We had the XXXX payment sent by the bank on XX/XX/2023. The bank account indicated the check was cashed by Towne Mortgage on XX/XX/XXXX. On approximately XX/XX/2023, we received a letter from them claiming the check had been returned and the funds returned. This is untrue. I met with my bank XXXX and the records were carefully searched. It is not actually possible to stop payment on a paid check anyway. No monies have been returned to either my bank or to us. 
I called XXXX XXXX at Towne Mortgage and was told the check had had a XXXX XXXX placed on it after it was cashed and the money returned. This is not possible. After a check is cashed it can not have a stop payment put on it. My bank checked carefully all records, no stop payment was requested, no money returned. They have provided Towne Mortgage with that information and, at my request started a dispute and investigation. Towne Mortgage, after promising to look into for me and get back with me not only has not done that, they have reported our payment as late to all of the credit reporting agencies. Our credit scores have gone down XXXX points as a result and we are being told by both our bank and Towne Mortgage that it will be XXXX days before this is resolved. Is this fair to ruin our credit for months when we did nothing wrong, the mistake is on their end? I have asked Towne Mortgage repeatedly to provide documentation of who supposedly stopped the check and who they sent the money back to, if they did, indeed refund money. It sounds like they either made an error, have an XXXX employee or have been hacked. 

Our payment was not late and was for slightly more than the amount due. They have now cashed the XXXX payment as well and have not said anything about a problem with it, at least not yet. 

I have filed a dispute all of the credit reporting agencies, and appreciate you taking a look at this XXXX XXXX practice. Thank you in advance for your work.information. This has been stressful and dismaying. 

I strongly suggest that all consumers avoid Towne Mortgage. 

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

XXXX XXXX XXXX has a credit inquiry on my credit profile that I did not authorize
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus about removing this self south state lender account multiple times I have called wrote letters to there dispute center and everything this account is reporting inaccurate information on my credit report and it is greatly affecting my credit report XXXX, Transunion, & XXXX are supposed to me on my side and resolve this issue but they are giving me such a hard time.
Product: Money transfer, virtual currency, or money service

This morning ( XX/XX/2019 ) at XXXX XXXX I was attempting to purchase concert tickets from a local phone number ( XXXX ) and was sent images of the tickets as claimed. We agreed and negotiated a price of $ XXXX/ticket for 2 tickets. After agreeing, I sent my {$150.00} to the other party at XXXX XXXX through XXXX/Chase as requested and then the other party never sent the ticket transfer. I tried calling and they blocked my number. 

I called Chase because I had never used XXXX before and the service was offered directly by my bank ( making me feel that this was more trustworthy than XXXX or XXXX ).  Spent 40 minutes on the phone with Chase customer service who tried to reclaim the funds. When she was unable to, she admitted that this was a scam and used the words " fraud '' so she transferred me to their claims department. The Chase claims department asked me for the story and then told me in XXXX 's fine print that I should only give money to friends and family and there's nothing that can be done. They then told me to call the person ( number blocked ) or email them to send the money back to me. When i said that's laughable, they told me to call the police because this is a scam. 

I think that since this is the first time I have used XXXX/Chase XXXX that there should be a protection for the transfer of funds. I obviously have learned my lesson ; however, I never would have thought that my bank would not protect my funds. This was just as dangerous as sending cash in the mail! It is a misleading service that Chase provides and should not be trusted. Fairness would to reimburse the {$150.00} to my account.
Product: Checking or savings account

I instructed the bank to write a check for my apartment lease using the bank 's on-line bill pay service for the lease payments due XXXX XXXX and XX/XX/XXXX. The payment was not delivered on time and each time I was assessed a {$50.00} late fee by my landlord. The Ally Bank online services agreement states that " We will be responsible for any late payment related charges up to {$50.00} should a payment post after its Due Date as long as the payment was scheduled in accordance with the Scheduling a Payment Section above '', and I would like the bank to uphold its side of this agreement. On XX/XX/XXXX I sent a message to the bank with the details of the missing payments, copies of statements showing the late fees charged, and a copy of the lease showing the payment due date. On XX/XX/XXXX the bank sent a message back saying that I should expect a substantive response within XXXX hours. I did not hear back from the bank until over XXXX weeks later, though on XX/XX/XXXX a single {$50.00} refund posted to the account. On XX/XX/XXXX I spoke to a representative and clarified that there was still XXXX additional {$50.00} payment missing. On XX/XX/XXXX I called back and the representative said that the case had been earlier closed, and who claimed to reopen it. On XX/XX/XXXX I called again and a representative told me that the case was open but with no ETA and no update. On XX/XX/XXXX, now XXXX months after the initial request, I called again and the representative told me the case had been closed in XXXX and never reopened. Given the runaround and broken promises on this case, I am escalating this issue to the CFPB. The reference number for this issue provided by the bank is XXXX.
Product: Mortgage

Oqwen mortgage reported I was missing a payment in XXXX of this year. I was not late I pay with XXXX XXXX XXXX XXXX every month for the last 14 years this system was down and wouldn't allow my payment to go thru there were problems with the system for 3 weeks before it was fixed. There for my payment was late not do to me but problem with there own system. I would like missing payment to be changed on my report.
Product: Credit card

Multiple CitiCard employees misled me on the credit determination process. Talked to multiple departments and supervisors, they were not aware of policies and procedures leading to a material misrepresentation of fact. Their guidance was so erroneous, it can only be viewed as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THIS BUREAU A NUMBER OF TIMES STATING THESE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME. THEY ARE FRAUDULENTLY OPENED. I DID NOT AUTHORIZE OPEN THESE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY BECAUSE THEY HINDERING ME. 
XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4500.00} XXXX {$660.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two different companies reporting the same account on my credit report. 

XXXX in the amount of {$550.00} XXXX XXXX in the amount of {$550.00} I have worked with a credit service and the problem has not been resolved.
Product: Credit reporting or other personal consumer reports

Request for 1099-C for Account Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to formally dispute an account with GS Bank USA XXXX XXXX XXXX XXXX XXXXXXXX ). To date, I have not received the IRS Form XXXX for this account, which is a critical document for my financial records and tax obligations. 

Under IRS regulations, creditors are required to issue a 1099-C when they cancel a debt of {$600.00} or more. Failure to provide this form may result in an inaccurate reflection of my tax liability and violate consumer protection laws. I have attempted to resolve this matter directly with GS Bank USA but have not received any resolution.

I kindly request your assistance in obtaining the required 1099-C from GS Bank USA . If this issue is not addressed, it may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which could entitle me to pursue legal remedies. 

Please let me know the next steps in ensuring compliance with federal regulations and my consumer rights. I appreciate your time and assistance in this matter.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

My Target red card with TD Bank was settled with their XXXX party agency XXXX  and has not been updated on my credit report to show a {$0.00} balance.
Product: Vehicle loan or lease

I requested a copy of the original loan agreement submitted to bridgecrest XX/XX/2023 haven't received it XXXX the XXXX 2023 applied for a mortgage approval due to non-disclosure they were unable to give it to me the non-disclosure with the fees never left by bridgecrest XXXX XXXX open accounts with balance XXXX balance {$32000.00} the other balance {$36000.00} the other balance {$9300.00} all under the heading of bridgecrest account that was pulled by XXXX I took pictures and I have them
Product: Checking or savings account

I called the money card from XXXX money card and complained about how I had been scammed out of {$2500.00} and gave them the account number and routing number to the account of the scammer and transaction details. And they and regions bank would not reverse my money back.
Product: Credit reporting or other personal consumer reports

Please DELETE the XXXX the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX