23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

we were denied credit because of serious delinquency, and public record or collection filed. We filed chapter XXXX XXXX XXXX and Capital One Bank USA NA was paid in full according to my attorney XXXX, NY XXXX and also XXXX XXXX XXXX were paid. There should be no written off amount or any liens against my property on XXXX, NY XXXX. Please remove this negative information and report this history as a fair and accurate information. I would like XXXX TX XXXX XXXX please correct this information and XXXX XXXX and XXXX XXXX to correct the negative information. Also our XXXX Case Number XXXX is paid our second mortgage loan number XXXX is also paid through bankruptcy chapter XXXX through court system in XXXX, XXXX XXXX XXXX we have a letter saying all of our payments are satisfied. Experian credit needs to correct & XXXX
Product: Credit reporting or other personal consumer reports

I have obtained the loan with XXXX in XX/XX/2023. I paid on time and sometimes I was late. XXXX was on point reporting every single late payment. I have paid off this loan in XX/XX/XXXX and there have not been ANY positive credit bureau reporting. it is XX/XX/XXXX and the last report was submitted on XX/XX/XXXX stating that I'm over the limit and past due. But the loan is at XXXX balance now. I have contacted them and filed the investigation through the credit agency and through XXXX. XXXX is NOT providing me with any updates. They state that they report every XXXX of each month but it doesn't look like they reported positive balance. this is hurting my credit scores in a very bad way. 
Please take a look and let me know WHY the company would not report to a credit agency when they are supposed to.
Product: Debt collection

Synergetic Communication , Inc at XXXX XXXX XXXX, XXXX XXXX, XXXX ID XXXX. Has been sending me collection notices in the amount of {$1500.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have contact with my signature. 

I have not supplied no proof under the doctrine by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. XXXX. I presume that no proof alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for taking the time to review the complaint. According to XXXX  Mercedes Benz continues to tarnish credit reports. Sent letter out to request removal of negative reporting. The account is over the seven-year statute of limitations.
Product: Checking or savings account

On XX/XX/year>, I went to Citizens Bank branch in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the intent to open a new account for myself. It was recently my XXXX birthday, so I had recieved a large amount of CASH ( {$600.00} ). I had not yet recieved my new license, and was using the temporary card given to me from the XXXX as my previous license was expired. I told this to the teller. The teller, XXXX XXXX, was aware of this, and proceeded to register me and all of my information anyway. A day or two goes by and I am able to use my new card without any issues. On Monday, XX/XX/year>, I was attempting to buy groceries for dinner. My card was suddenly declining. When I went to login to my mobile banking app, it told me that there was no recollection of my account and that I was not a member. Given the time, I contacted the customer service hotline provided and spoke with a provider who then told me my account was placed under review for fraud. The following day, XX/XX/year>, I spoke to XXXX XXXX on the phone. She told me that at the moment, she was in contact with her higher-ups and would update me on any information that would come up. Eventually, on XX/XX/year>, I made a trip to the branch and spoke with XXXX again who then attempted to get in contact with her boss. I told her to just close my account. She confirmed that she did and that I would be recieving a check for my remaining funds, and there was no issue from there. I called XXXX back on XX/XX/year> to recieve an update on the status of my account aswell as the incoming check. She then told me that she in fact DID NOT close the account ( after confirming she did ) and that she actually had no jurisdiction to do so in the first place. Eventually, I spoke with XXXX, the supervisor for the XXXX Department ( Case # XXXX ), who told me she was unable to get in touch with the fraud department and basically there was nothing else for me to do. 
Since XX/XX/year>, I have been tirelessly calling the branch as well as surrounding branches in the area who have kept giving me misinformation about dates regarding my check. At first I was told after XX/XX/XXXX, then I was told after XX/XX/XXXX, then allegedly, I was told that my check was mailed out and my account was OFFICIALLY closed on XX/XX/XXXX. I was expected to have it by XX/XX/year>, and have still recieved nothing. The bank is holding my money hostage.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit card or prepaid card

At approximately XXXX XXXX on XX/XX/22, CapitalOne sent me an advertisement for their Quicksilver card, with a {$300.00} bonus offer. I applied for it shortly afterwards and was denied, despite having excellent credit. As a result, my credit score has been temporarily damaged. I believe that by inducing me to apply for a credit card I would not have otherwise applied for with an offer CapitalOne had no intention of fulfilling, CapitalOne has engaged in an unfair, deceptive, and abusive business practice.
Product: Mortgage

The lender used predatory lending tactics and has failed to recognize there has been a breach in the contract making it defective and void of any force or effect against this estate.. 
I have documents that prove my claim, and that any and all possible facts, or issues that arise out of this complaint will be accepted and acknowledged. This initial complaint does not limit or diminish any later bringing forward of evidence or other allegations into this complaint. Nothing can be barred for not being mentioned herein, hereunder, having not been noticed, not brought forward in a timely manner in this complaint.
Product: Student loan

I have federal student loans that went into repayment XX/XX/XXXX. I have worked at a PSLF qualifying employer the entire time. I updated employment verification a number of times. Mohela is my servicer. Even though I reached 120 payments in XX/XX/XXXX, and am still employed ( so have even more qualifying payments ) they have not updated my accounts. Even on the site, it says I made 117 payments as of XX/XX/XXXX, but my expected forgiveness is XX/XX/XXXX... that math doesn't even make sense. 

Per the contract I signed for these federal loans, they should be forgiven, but Mohela will not update counts and process forgiveness, despite numerous calls, emails, involvement of the ombudsman, etc. Thank you.
Product: Credit card

Capital one accepted payment then places an illegal unjustified restrictions on my account and is preventing me from using my credit limit, I need my account restrictions removed and account a promise that this isn't going to happen again as a show of good faith I want my credit limit increased aswell.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have submitted the required documents, including a letter from an advocacy group assisting me as a victim of XXXX  XXXX  through debt bondage. This situation qualifies as trafficking under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 

I respectfully request that you block this information from my credit report within four business days, as mandated by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I urge the immediate removal of all related items and the deletion of any associated company information from TransUnion. 

Please proceed with removing the following items : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/XXXX, I opened a XXXX Bank card. In XX/XX/XXXX I paid this card off and it was sent to collections anyway. XXXX XXXXResurgent bought the debt and has put negative information on my credit report. I have reached out to this company to prove the debt was paid ; however, they will not respond. They say the balance is {$2600.00} and opened in XX/XX/XXXX but I have proof I paid {$7900.00}.
Product: Checking or savings account

U.S. Bank had locked my account on XX/XX/23. I had done everything in my power to get the lock removed, but they have not followed through. I opened the account recently, on XX/XX/23. The only reason I opened it was I was sure they verified my identity and address information so I could use the account. 

They did not. 

On XX/XX/23 they locked my account for address verification after putting my home and mailing address as exactly the same ( a big no-no when my mailing address is a commercial mail drop ). It has been two days and my funds are still locked, and I am being told to provide additional information. As I tried to provide that information, I found there was no one able to accept my paperwork. This is unacceptable, and I need that lock removed so I can access my remaining funds then close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit report. Specifically, there are several violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) that have negatively impacted my credit score and my life. 

Firstly, with regards to my account with XXXX XXXX # XXXX, there are discrepancies between the reporting of Trans Union and XXXX. While Trans Union recorded a monthly payment of {$0.00}, XXXX and XXXX did not. Additionally, Trans Union reported a late payment on this account, despite the fact that I have never missed a payment. These errors are in violation of Section 1681s-2 ( a ) of the FCRA, which requires creditors to provide accurate and complete information to credit reporting agencies.

Furthermore, there are inconsistencies in the reporting of the last reported date and last active date for this account across different bureaus. This is a violation of Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of the information they collect and distribute. 

XXXX account, XXXX. I have never received any notification from XXXX regarding this charge-off account, and they have failed to provide me with any paperwork related to the charge-off. Additionally, the other two bureaus have not reported any negative information on this account. 

The inaccurate and incomplete information reported by XXXX has had a severe impact on my life. It has made it difficult for me to obtain credit, and I have been denied credit on numerous occasions due to this inaccurate information. I have been forced to pay higher interest rates on credit cards and loans, which has resulted in significant financial hardship for me and my family. 

I believe that XXXX has violated the FCRA, specifically sections 1681s-2 ( a ), 1681i ( a ), and 1681e ( b ), by failing to provide accurate and complete information, failing to notify me properly of the charge-off status, and failing to maintain reasonable procedures to ensure the accuracy of the information they collect and distribute. 

Furthermore, I believe that XXXX 's actions constitute unfair, deceptive, or abusive acts or practices, in violation of Section 1036 of the CFPA. 

Therefore, I am requesting that XXXX remove this unverified collection account from my credit report immediately. I would appreciate your prompt attention to this matter. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I receive benefits from the state through this card. There were 2 fraudulent withdrawals from My account of a XXXX dollars. I keep telling bank Of America that it was not me and they keep rejecting me without telling me why. I asked them to show me surveillance video of the withdrawals to prove it wasnt me and they refuse, this is a fraud that they are concealing in order to cover their lack of security and wont give me My Money back. Dont help them on this and punish them!!
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 : # XXXX, XXXX XXXXXXXX XXXX  : # XXXX, Dept of Ed/XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX dismissed : Ref # XXXX, XXXX XXXX XXXX dismissed : Ref # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 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

To Whom It May Concern : My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.

Company Accou
nt # Gm Financial XXXX I would appreciate you sending me an updated copy of my file as soon as you have completed the investigation.

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

I purchased a 2012 XXXX sentra that was finance by JPMCB Auto Finance. I traded the car in in XXXX of XXXX up until the point when I traded the car in I made every payment on time. Apparently when I traded the car in the dealership in which I traded the car took an unusually long time to send in the payoff which resulted in JPMCB reporting that the payoff was 30-days late. This is not my late payment and therefore should not have been reported onto my credit. I had advised them the day I traded the car in that I had done so. They were well aware that that car had been traded in at the time of late payoff. They could have reached out to the dealership to inquire about the payoff or they could have easily moved a payment to the end of the loan to prevent a 30 late pay status, none of which they attempted to do. I have tried for several years to resolve this matter with the company and have gotten nowhere.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFBA ). 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of several accounts that have been reported on my credit report. The accounts in question are : XXXX XXXX XXXX XXXXNI XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX ACCEPT XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX CT FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX I believe that the reporting of these accounts is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FCRA, all information reported on my credit report must be accurate, complete, and verifiable. I have reason to believe that the information reported on these accounts is inaccurate and incomplete. Additionally, the FDCPA requires that all debt collectors treat consumers fairly and prohibits certain practices, such as harassment and misrepresentation. I believe that the reporting of these accounts may be a violation of the FDCPA. 

Therefore, I am requesting that you investigate these accounts and provide me with evidence that the reporting is accurate, complete, and verifiable. If you can not provide such evidence, I request that you remove these accounts from my credit report. 

Thank you for your attention to this matter. 

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

The inquiries listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These inquiries were not authorized by me. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the inquiries removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX I mistakenly submitted my account number of Discover Card which had not been activated. ( I have two accounts ),. Immediately an email was sent stating, the '' CARD WAS DECLINED BECAUSE IT HAS NOT BEEN ACTIVATED. '' Before I could make an adjustment, Discover Company charged the amount of {$54.00} to my account without my authorization or activation! 
I've made several calls to the company and each representative had a different story as to why the purchase went through despite the card not being activated by me. 
In my effort to get this rectified, I wrote on XX/XX/XXXX stating my dispute. 
XX/XX/XXXX I received an email stating they were not at fault and the {$54.00} would remain on my account. 
While still disputing, XX/XX/XXXX, I paid the amount in full only to avoid late fees or interest fees.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX