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

This debt was included in the bankruptcy and it was discharge ; however, this debt is still reflecting in my credit bureau reporting as Open from XXXX XXXX XXXX XXXX. Also, since the debt was discharged by the FCRA the debt can not be reporting twice as Collection and Bankruptcy. On my other credit bureau agencies ( XXXX and XXXX ) it was removed as a Collection since it was part of the Bankruptcy. I want this removed from my credit bureau reporting in XXXX because It can not be reporting twice
Product: Checking or savings account

On XX/XX/XXXX a XXXX condominium  development company ( XXXX XXXX ) setup a display table in XXXX XXXX, located at XXXX XXXX XXXX XXXX. and was distributing brochures depicting renditions of future condominium development projects in XXXX and selling reservation / contracts. The XXXX XXXX sales representative came to our home the afternoon of XX/XX/XXXX. We were hesitant to buy but the sales rep indicated he was leaving town the next day and there was urgency to sign. The sales rep asked for and received the payment account information as part of the reservation process. Immediately after the sale rep left our home on XX/XX/XXXX, we contacted XXXX XXXX, spoke to the sales rep and cancelled the reservation. He indicated all sales are final and the {$1900.00} will be debited from my USAA checking account and the reservation fee was not refundable. On XX/XX/XXXX I delivered a written request to cancel the transaction- see attached. The XXXX XXXX company has refused to the acknowledge the cancelation request and is ignoring the 3 day right to cancel law. The cancellation email thread is attached for your reference. Scroll down in the email to locate the beginning of the conversation. 

1. The USAA Federal Bank will not reverse the transaction even after receiving legitimate proof of cancellation. 
XXXX. XXXX is the third-party payment transfer company that debited the account on behalf of XXXX XXXX XXXX 
XXXX. XXXX XXXX unlicensed foreign company pressuring people to by real estate and then refusing to follow existing consumer protection laws regarding right to cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD bank is reporting fraudulent information on my credit report. 
I DON NOT HAVE A CREDIT CARD and I NEVER DID. 
Someone has been using my personal info for almost 8 years since 2004. 

I believe your company has violated several of my consumer rights. Specifically, you : -Failed to validate a debt at my request- FDCPA violation -Continued to report a disputed debt to the CRA- FCRA violation -Continued to attempt to collect a disputed debt- FDCPA violation -Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. 
The FCRA has a penalty for filing any lawsuit or subsequent court papers that are later determined to have been filed in bad faith or for purposes of harassment. 
I can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA. 

A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA. 

This letter will again request that you follow the FDCPA and provide the following : I do mean all 7, request. 

Validation of Debt Request - Proof of your right to own/collect this alleged debt. 
- Balance claimed including all fees, interest and penalties. 
- Contract bearing my ACTUAL personal signature ( Not a Computer Printout ). 
- License proof to collect debts in my state. 
- A credit agreement signed by me and you. 
- Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor. 
- Copy of my NYS Photo ID which is required to open this type of account. 

This letter is your notice that I dispute the above referenced debt. 
This is not my account. I do not owe this balance. I did not open this account. This account was opened without my consent or knowledge. 
I request that you verify this account with all pertinent information, including the original creditors identity principal amount, late charges, interest, and collection costs that have been assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Mortgage

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT We hired XXXX Bankruptcy Attorney. He submitted a list of documents to XXXX XXXX XXXXXXXX and Carrington Mtge. The research documents were to be mailed to XXXX & XXXX XXXX. The documents were proof of unlawful foreclosure! We never receive the documents!! The lawyer Quit and kept XXXX dollars out of $ XXXX file for Bankruptcy. The mortgage statement showed {XXXX} in XXXX and XXXX in XXXX. There was no mention of XXXX}! when the foreclosure was filed. Where is that money? it was not applied to our loan. So, Bank created a " situation '' to put houses in foreclosure. This was premeditated I am requesting the Bank to mail us the documents the lawyer gave instructions for them to send, to Us!! There was a lawsuit for Excessive Fees from XXXX  XXXX XXXX and Carrington Mtge. We have not received compensation from both Banks for these Fees. Please give us answers to this Complaint. This is not a duplicate Complaint. I submitted this Complaint to the SEC. He informs me to send it to CFPB. So, this is what I'm doing! I also like to know why was this Loan put into Bankruptcy a total of 3 times. 2 were unknown. Only 1 known. We have The origination date is XX/XX/XXXX this is what our Settlement paper stated.XXXX  says XX/XX/XXXX. Please give us our years of payment history for XXXX, XXXX and XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These dealership I disputed by calling, such as creditors or tax court, and identity type of item, such as credit account, judgment, etc. is inaccurate or incomplete because describe what is inaccurate o incomplete and whyl. I am requesting that the item [ be deleted or request another specific change ] to correct the item off my report please and thank you
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 XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00}
Product: Debt collection

Recent credit mgmt. posted {$780.00} for 11 XXXX XXXX for {$780.00} for individual account account that is in accurate and violates Federal Truth in billing disclosure act and TTC law. Must be remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding XXXX. I noticed ( CRAs ) : XXXX XXXX XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX, XXXX ( the " Big Three '' ). are all reporting different information. For example, Equifax and XXXX are reporting both my XXXX credit cards yet XXXX is only reporting history on one of my XXXX cards. XXXX is also reporting to all three bureaus bouncing back and forth between 30 to 90 days within a 12-month period with inaccuracies. All three credit bureaus are not reporting the same " charge off '' information for XXXX XXXX XXXX, XXXX , XXXX XXXX , and XXXX XXXX XXXX XXXX XXXX I would like to understand why the information is not identical in each credit report? The 'credit limits ' and 'credit used " amounts reporting are also extremely inaccurate which impacts my debt-to-income ratio resulting in a poor/fair score. I inquired with Trial Attorney, Consumer advocate, and Board of Directors of XXXX - XXXX XXXX about my credit report. XXXX mentioned the " Fair Credit Reporting Act Fair Credit Reporting Act ( FCRA ) to name a few and suggested going to the CFPB to obtain a fair resolution as the first step with XXXX, XXXX, and Equifax which are XXXX.
Product: Credit card

Re : XXXX XXXX XXXX Limit XXXX Credit limit reduced from {$14000.00} to {$5000.00}. 
The reason stated was due card usage in the last XXXX months. However, as noted in my XXXX ( XXXX ) previous complaints, my card had been blocked by Barclay for a majority of the last XXXX months and as noted in my previous complaints I made multiple attempts to use the card but the transactions have been denied.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I deposited a check written by my wife to me in person in one of Citibanks local branch with the amount of XXXX. Then my account was frozen by their anti-fraud department. Despite the fact that my wifes account and my account are in the same physical address and my wife has written similar checks to me before, the banks anti-fraud department demanded me to bring my wife in person to a local branch. After spent almost an entire morning arguing with customer service, being redirected to countless representatives, involving my wife and my wifes bank to the conference call, they finally confirmed it was a false alert on their side. Because the bank froze my account out of blue, my outbound transfer to my stock broker was blocked and then my stock broker froze my account because of that. Should this event happened in the month end or any bill due days, then I wouldnt be able to pay my mortgage and bills and damaged my credit score.
Product: Checking or savings account

XX/XX/2021 received notification from XXXX about someone trying to open account at TD Bank using security questions. TD Verified there was an account in my name. XX/XX/2021 same notification. Called TD bank they escalated it, XXXX also investigating. Back in XXXX had a security breach with XXXX where account was drained via XXXX and Wire transfers via online that was not me. Ongoing issue with identity theft since then. Main issue is the report bank accounts are being opened in my name at TD bank. All credit reports, XXXX, and more have been locked for months so this shouldnt be possible.
Product: Mortgage

On or around XX/XX/2018, I started a HELOC application with Bank of America. I worked with XXXX XXXX XXXX # XXXX located at their XXXX XXXX XXXX, XXXX, TN XXXX. During my first conversation with XXXX, we reviewed my credit history and he was made aware of my student loans ( all of them are current and in good standing, but on Income Driven Repayment plans ). At no point did XXXX indicate that balance of my student loans may be problematic. After submitting my paperwork and getting all of that out-of-the-way, I was required to pay for the appraisal and credit check. Only after the appraisal occurred, was my application reviewed in further detail. Ultimately, I was rejected based on my DTI because BoA guidelines dictate that my student loan payments must be calculated at 9X my actual payment amount. 

I am not complaining about the underwriting guidelines ; that is their prerogative. I am complaining about the deceit and misrepresentation that ultimately led to my paying for an appraisal that costs me {$520.00}, which can not be used with another lender. BoA had all my student loan information from the get-go. Their failure to adequately train their loan officers on the Bank 's own standards resulted in my spending {$520.00} for a useless appraisal. As no new information was gained after payment of the appraisal, BoA should return the appraisal amount. Their actions constitute an unfair, deceptive, and abusive act that costs me {$520.00}. I have repeatedly tried to reach out to BoA about this issue, but have largely been met with disinterest.
Product: Credit card or prepaid card

A charge of XXXX on my business card for an event that I paid for on XXXX XXXX 2019 for a business XXXX of XXXX event party that was never done by the vendor which I disputed and was told by American Express they dont care I have to pay it which is horrible experience thats why I used my card so I have security but American Express wants me to pay for something I never received and it was an authorized user on my business account that used the card I have excellent credit my credit line is for XXXX and they closed my account without any reason declining to give information its like they are doing it on purpose to ruin my business they issued me the credit than removed it and wont give any reason please if you can assist me in resolving this issue I would greatly appreciate it
Product: Credit card or prepaid card

I would like to thank your company for the many great years of service that I've experienced as a consumer. I have been very loyal during this time, however, I am requesting some assistance from you if possible. 

I've experienced some rough patches in life that were very difficult to handle due to some personal issues. I have always tried my best to get every single payment in on time, however, there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late show up on my credit report, and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know. 

I would like to make a " goodwill request '' to have some or all of those late payments removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate those late payments with the credit bureaus by filling out the " XXXX XXXX XXXX '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need. his is regarding the account : XXXX, Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 u.s.c 166B : 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: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. All Ive done is legally sold designer expensive items through XXXX and received great reviews from them and proof of messages. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel theyre not doing their job properly and its effecting me a great deal as I used PayPal quite frequently. My emails linked to both of my PayPal accounts is XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below 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 first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS EMPOWER Account Number : XXXX Please remove it from my credit report. 

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


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : FEB/GFSCS-RETAIL XXXX XXXX XXXX Account number : XXXX I owed {$1000.00} and the debt was closed for nonpayment, then sold to XXXX XXXX XXXX. {$730.00} was paid in XX/XX/2019 but XXXX agreed to notate it as " Settled in Full ''. I have documentation from XXXX to prove this. My credit report shows is still as FEB/GFSCS-RETAIL and initially just " Closed ''. After submitting this document to XXXX in hopes of the " Settled in Full '' appearing, it was instead changed from " Closed '' to " Closed. {$1000.00} written off ''.
Product: Checking or savings account

I used the Huntington Atm located at XXXX XXXX XXXX XXXX. XXXX Ohio. on XX/XX/year> at approximately XXXX at XXXX # XXXX and tried to deposit XXXX in cash, it did not deposit the cash but did take it and also did not print a reciept, it said that it has taken the money and to contact my financial institution. I then called Huntington customer service line and was told that since I'm with a different bank, my bank would have to file a long however when that was done Huntington responded with : " without the ATM providing a receipt we are unable to submit the request through the system that Huntington is requesting. '' I have tried contacting Huntington again and am told there is nothing they can do, I did go into a Huntington branch and Teller said not to use that atm because it's always broken, Huntington has thus far been giving me the run around with different people saying that they don't have access to their back office. I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two months, I have been trying to resolve the inaccurate reporting to my credit reports with XXXX and TransUnion. My first letter to both bureaus was sent on XX/XX/2020, and XX/XX/2020, that requested to remove the derogatory reporting of the months of XXXX and XXXX as this account has never been late. During this time, I had spoken to XXXX XXXX   several times to verify their reporting. The customer service representative transferred me to the escalation department and expressed on numerous calls, the account on their end is NOT reporting 30 days late for XXXX or XXXX, and, that they will send another update as well as advised me to contact XXXX and TransUnion again. In my XXXX letter to both ( TransUnion and XXXX ), I had requested the paperwork that backs up their detailed reporting that goes over the procedure of their independent investigation and any other paperwork that states the account is past due. And that this needs attention immediately as this has impacted my credit scores and credit payment history. XX/XX/XXXX credit reports results came back from both ( TransUnion and XXXX still reporting 30 days late for XXXX and XX/XX/2020 and they never sent their documentation of their independent investigation to show how they are receiving the information. XX/XX/XXXX, I called back to XXXX XXXX and per my conversation with my mortgage company with the Escalated Credit Manager XXXX ID # XXXX ( XXXX Ext XXXX ) has stated their department has sent over updates numerous of time reporting XXXX and XXXX has been paid as agreed. This account has never been late. Per the guidelines and policy of FCRA, which promotes accuracy and fairness in the files of consumer reporting agencies, XXXX and TransUnion are in violation of reporting inaccurate information. However, the XXXX bureau is reporting paid as agreed. Now, I am contacting CFPB to help resolve this ongoing issue. Thank you