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

This is the XXXX time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance Owed {$110000.00} XXXX XXXX Balance Owed {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing all disputes on my credit report with Equifax please remove the information listed in the files. this has been hindering my credit report. please delete asap.
Product: Credit card

Please reference case # XXXX I have tired to contact XXXX Capital One cooperate office ext XXXX but it is always busy. I have called through the call center several only to be told that they have no way to reach her so I end up calling later to speak to someone else who researches my account and then emails XXXX. This has been going since 1 month. I was advised by XXXX that she needed more time to research things, and still have not heard back from Capital One. I am requesting that Capital One pay the interest fees to my other creditors due to Capital One refusing to pay them due to the fraud activity on my account. Capital One was aware that I had used the Access checks for a balance transfer and advised that they would reissue the Access checks, but some reason they have failed to due so and now I have a big mess to deal with. The other creditors closed my accounts and placed this on my credit report. I also requested a letter from Capital One stating that I had fraud on my acct but never received a letter.
Product: Mortgage

Chase Mortgage sent notice of my case specialist, who I attempted to send verification of employment and loss of income.. The case specialist would constantly lose the information I had sent in stating they never received the documents which would include pay stubs, employment information and so forth. I left multiple messages for the case specialist with no returned phone calls. 
I would like my mortgage to be reconsidered for loan modification.
Product: Credit card

I am writing to formally demand that Goldman Sachs Bank USA immediately rectify its ongoing failure to remove me, XXXX XXXX, from electronic billing statements for my Apple Card account, despite my repeated requests spanning over a year. 

Pursuant to Regulation Z of the Truth in Lending Act ( TILA ) and the E-SIGN Act, consumers must affirmatively consent to receive electronic statements, and they must be provided the option to opt out and receive paper statements. I have made multiple requests to be removed from electronic billing and receive paper statements, yet your company has failed to comply. I have maintained records of my interactions with Apple Card customer support, including text messages confirming my requests. 

Due to Goldman Sachs continued noncompliance, I have been unable to access my billing statements, resulting in missed payments and negative credit reporting that has severely impacted my credit score and financial standing. As a direct result of your companys actions, I have suffered punitive damages
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. below i have listed several accounts that are recognized as fraud : XXXX XXXX XXXX {$660.00} date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) {$740.00} XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$400.00} XXXX XXXX ) XXXX XXXX$6500.00} XXXX
Product: Credit reporting or other personal consumer reports

Sure! Heres a description you can use : I have reached out to the companies involved multiple times regarding fraudulent inquiries on my credit report, but they have not been removed. Despite providing evidence that these inquiries were unauthorized, my requests have not been addressed. This situation is impacting my credit score, and I am seeking assistance in resolving this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a loan through System And Services Technologies ( SST ). Their website is https : //accountinfo.comXXXX 

I have had a few instances of late payments that have been rectified by their tactics have grown to be excessive. The previous series of communications involved 2-3 calls, two text messages, and 2 emails daily until the account was made current. I responded to one of the texts and they responder was aggressive and rude but toed the line on breaching FDCA. 

The incident I am more concerned about is their current campaign. I was 5 days late. Each day after due date their calls and emails began to increase. I made the payment yesterday ( XX/XX/19 ) and even after they payment they called me 4 times one of which was from different phone number. 

I've had the account for 2 years and while there have been times I've struggled to stay current, I have always made it current. 

Their tactics are causing unnecessary stress and frustration. This company has no compassion or wiliness to work with people to resolve the balance in reasonable fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 i submitted documentation to the credit agencies requesting them to remove accounts. that has been reporting as a violation pursuant to 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the " term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. The credit card is my Social Security Card.The card used to create the consumer transaction listed. 
The company did not responded in the time allowed so these accounts should be removed.i received notice of receipt on XXXX 29,2021, Feb.01,2021 and XXXX.2021 with no response and it is past the 30 days
Product: Mortgage

OnXX/XX/XXXX consumer entered into a mortgage loan with XXXX XXXX XXXX XXXX. and signed a Note and a Security Deed to secure the same. Thereafter consumer 's note was purchased by PNC Mortgage now PNC Bank. Note payments are due on the XXXX of each month with a 15 day grace period before late charges may be assessed. Consumer has made all payments on the Note timely however in XX/XX/XXXX PNC refused to accept Consumer 's payment claiming that it was less than the amount PNC claimed to be due for the month because PNC had purchased an insurance policy on the property and added the premium to the monthly payment amount under the note. The property was already insured but PNC claimed it had not received a timely notice of insurance coverage. PNC repaid the extra charge after receiving proof of insurance coverage by consumer. Thereafter consumer began receiving notices of late charges following each timely monthly payment on the Note which have continued unabated for the past six ( 6 ) years. Consumer has been contacted and harassed by telephone by the PNC collections department daily at all hours of the day despite being told that no late charges are due under the terms of the Note purchased by PNC. PNC acknowledged that no late charges are incurred under the Note until after the fifteenth day of the month but nevertheless it continues to generate bills for late fees notwithstanding receipt of consumer 's payments well within such fifteen day grace period and continues to harass consumer with daily collection calls notwithstanding consumer 's demand that it cease. The late charges PNC now claims due is in excess of {$5800.00} which consumer does not owe and will not pay. Consumer files this complaint with the CFPB prior to filing a lawsuit against PNC in the appropriate court having jurisdiction.
Product: Credit reporting

Yesterday afternoon I received in the U.S. mail my copy of my " Equifax '' credit report dated " XXXX XXXX, 2017. '' On " Page XXXX of XXXX, '' under the " A Request For Your Credit History '' section it states that a company named " XXXX, XXXX '' inquired of my credit on " XXXX/XXXX/2017. '' I just renewed my apartment lease for another 12 months on XXXX XXXX, 2017 so why would I buy a home? This unlawful " XXXX XXXX, XXXX '' credit inquiry/notation on my " Equifax '' credit file is NOT mine. I am a victim of Identity Theft.
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 ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud I faced several times 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 stress to my life.
Product: Credit reporting

XXXX its in collections when i paid off the phone i was not under no contract but there charging me on that back in 2012. XXXX its also in collections i paid them for 12 months after that in XX/XX/XXXX i cancelled it after the 13 month.there both in collections i try speaking to them when they call all they do is harass me saying they need there money!
Product: Debt collection

Dear sir/madamas I was going through my credit report on XXXX and XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called MIDLAND FUNDING LLC any time I dispute the account, they kept sending a letter to my home address with a diffrent recipient name on it. Said they investigated the dispute and notice it was mine. First I have never had any account with MIDLAND FUNDING. Second, They have to explain which address I was living when I acquired this debt. .I do n't know how they got my social security and my date of birth because I know I have never had any account with MIDLAND FUNDING or any of it affiliates. 
I am requesting that MIDLAND FUNDING LLC or any of their affiliates should remove such negative statement from my credit report. 
I copy this account number from my XXXX credit report with Midland funding name on it XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. As per my recent credit report, there are multiple inquiries that I did not authorize. Below is the detailed list of these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Furthermore, I have filed an identity theft report which is attached to this letter.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number ( XXXX ). Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.

Thank you for your prompt attention
Product: Debt collection

I received the collection letter without any notice that I owe the debt to dispute and the debt is a charge off from 2009, 8 years old and 1 year past reporting the credit reports and ability to collect.
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 ( 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 my account was closed with over XXXX in it and I demand it be reimbursed
Product: Money transfer, virtual currency, or money service

Showing a balance of {$200.00} under my information on file. I do not recall doing business with them before.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, a check was submitted and cleared to XXXX XXXX XXXX in the amount of {$26000.00} to pay off auto loan, XXXX XXXX. Initially, XXXX XXXX resisted providing me with a paid in full letter, attached, but subsequently relented. I then disputed the balance on my Experian account, but XXXX XXXX validated the debt as accurate, which has severely impacted me. XXXX XXXX provided me on their letterhead validation that the debt was paid in full ; but subsequently advised Experian that the debt was valid. 

This is collusion amongst a credit bureau and subscriber to impact consumers and ultimately drive up interest rates and cause adverse actions for consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX  FOR XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX, XXXX XXXX, XXXX INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/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 | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX DOB : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report. Please consider this a formal request to investigate and correct the following ( 6 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit card

Bank of America advertised a transfer promotional rate of 0 % until XXXX of XXXX. Based on this information, I transferred the amount of {$4500.00} from a different credit card to Bank of America. Bank of America charged me {$130.00} to make this transfer. 
When I received my recent Bank of America statement, it indicated that I am only receiving this promotional rate on {$13000.00} of the balance transfer. 

When I contacted the customer service department of Bank of America, I was only told that the problem would be " reported. '' I believe that Bank of America has fraudulently advertised this offer to improperly induce consumers to transfer balances from other credit cards. It is then only providing the promotional transfer rate to a small part of the transferred amount.
Product: Checking or savings account

I am a XXXX XXXX XXXX in XXXX. As an independent XXXX, I filed my taxes every year which includes a Schedule C, which reports my profits and losses. Under the Cares Act, enacted by the Federal government in response to the COVID 19 Pandemic, Congress created various programs to help small businesses through out the country, which included the SBA EIDL. Independent contractors are among those eligible for these programs including the EIDL. As I am eligible I applied for the EIDL and was approved by the Small Business Administration, the government agency responsible for administering and approving and declining applications. I received a loan amount of {$29000.00} in XXXXXXXX XXXX 2021 to be deposited into my Chase account. According to the SBA, the type of bank account did not matter to get this money. However, Chase closed my account and sent my money to the Secret Service as if I am some criminal. The real issue is that Chase decided to reject my application as if they were responsible for administering Federal money, and did not give me a chance to open a business bank account to get the money that I am owed as an eligible applicant to EIDL. Chase also did not even send this money back to the SBA so I can have a change to get back this money. They sent it to the Secret Service that has nothing to do with SBA or the Cares Act and cast suspicions and have treated me like I did something wrong or committed a crime. I believe the actions that Chase has committed in denying a much needed loan and then treating me like a criminal must be investigated. I know of other hard working drivers who were also treated the same way by Chase, which shows a trend of discrimination against XXXX XXXX XXXX XXXX XXXX. This is why Chase must be investigated. Did they only do this for people like me? Did they treat others the same way? How many hard working people were left without any help even though they were eligible and approved by the federal government due to Chase Bank 's discriminatory actions. Chase Bank must be investigated.
Product: Mortgage

I applied for conventional loan with pinnacle bank they closed the rate at 4.375 on XX/XX/XXXX, and I  provided them with all paperwork till before closing date with 5 days before it was on XX/XX/XXXX they told me there is something changed when I met them they told me new rules will control your loan ( XXXX ) they said you will be refused from the conventional loan by the underwriter but we can give you in-house loan with rate 5 after buying another point.so I bought a point and the rate is 5 I had to do that because they twisted my arm and put me in a corner I am losing much money after the change the deal.the price of the house XXXX I paid 20 % percent my native language is XXXX, my closing date was on XX/XX/XXXX I have all paperwork to a proof my complaint. Thanks My phone number XXXX