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

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Product: Credit reporting or other personal consumer reports

The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} million in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.
Product: Debt collection

I check my Experian credit reported, I notice Virtuoso SourcingGroup post on my credit file. The debt collection laws clearly been violated. The law is clear Debt collections suppose give me chance to validate debt { 30 days }, Virtuoso did n't do that, and this debt was Identity theft file with XXXX. This practice is unethical also illegal
Product: Credit card or prepaid card

Syncrony credit cards- when you have a promotional purchase, they do not apply, nor is there a way to set how much of your payment you want applied to, any of the payment amount you make. I have three promotional purchases with them - one for HSN and two on PayPal Credit, that are 6 months interest free, however, none of the payment you make above and beyond the minimum due, is applied to that promotional purchase. I've tried calling them and telling them that anything over my minimum is to be applied to that purchase, they tell me no. I must call WITH EVERY PAYMENT I MAKE and let them know how to apply it. That is the most redundant and asinine thing I've ever heard of. It's like they want customers to miss paying that in the promotional time period so they can charge the accumulated interest charges. No other credit card I deal with does this. I can set my promotional payment allocation on other card 's website so I don't have to CALL EACH MONTH to allocate my payment. So a six month promotional purchase of no interest is really not a six month no interest purchase because they catch you at month five and say " you're going to get hit with interest unless paid by xx date ''. It's deceptive in the fact that you think you are making payments towards this purchase when in reality, you are not, unless you CALL THEM and allocate your payment. This is totally geared for failure on the consumer 's part and nothing but gain on Syncrony 's part.
Product: Mortgage

XX/XX/XXXX my mortgage was involuntarily sold to Caliber Home Loans.I find Calibers monthly statements to be confusing, and phone support to be virtually non-existent. XX/XX/XXXX, Caliber made statements on phone that were not reflected on following statements.They finally stopped taking my calls.As a result, I filed a formal complaint with XXXX on XX/XX/XXXX XXXX attached ). After several tries, XXXX got the issues resolved. However, at no time, did Caliber communicate with me, nor offer an apology. A year later, XX/XX/XXXX, basically the same issues happened again XXXX perhaps retaliation ), resulting in a just submitted second complaint to XXXX XXXX attached XXXX. 
Unfortunately, the XXXX has also began ignoring my calls, necessitating this complaint to the CFPB. Can you help me with my current complaint, as well as continuing problems with this horrible mortgage company I am stuck with, whose statements are always confusing, sometimes inaccurate, and whose customer service is non-existent and getting worse!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within XXXX ( XXXX ) calendar days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of state of XXXX medical privacy rules XXXX 
I also hereby reserve my right to take private civil action against you to recover damages. 

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

I joined Equifax just so I would get better service, and the service is still awful. I disputed one account last year and it was supposed to be removed, however recently I saw that Equifax is still reporting it incorrectly. I also have tried with all three of the reporting agencies about the removal of late payment, they can't be investigating it correctly because I contacted the company and was told that they could not find a late payment. Additionally, all of these companies report better scores when you become a member. This has to be fraudulent behavior. I would like to have all three companies to be investigated about having to be a member in order to get your score reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found a hard credit inquiry on my Experian credit report dated XX/XX/XXXX. Contacted XXXX XXXX  XXXX ( the company who was on record as performing this action ) XX/XX/XXXX. Contacted XXXX XXXXXXXX, XX/XX/XXXX, and XX/XX/XXXX and was told that my letter was in the mail, except for the last one, I was told that an investigation was not performed. 
I have been on the phone with Experian for at least an hour trying to dispute this. I can not get anyone to help me. They either hang up on me ( I am on a land line ) or transfer me back into the queue and I have to hold again. 
You can ONLY dispute these types of things by calling in. Why is this so hard?!?!?!?!?!?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of XXXX, I experienced technical difficulties with XXXX XXXX processing my credit card payments for my accounts through the app. For some reason the system would not take payments but after attempting to process the payments more than 3x, the system was reflecting that a payment was not due. I had to pay the late charges but I was advised back in XXXX of XXXX that the payments would not be reflected to the credit bureaus as late. Once I received notification that the late payments had indeed posted, I immediately sent notice to XXXX XXXX to have these erroneous late payments removed. I never received any correspondence back from XXXX XXXX.
Product: Credit card

I recently pulled my credit reportJPM Chase is reporting a charge off on my acct I called them several times to verify the debtI told them I never received a bill they said they were sending it to an old address it looks like they send the card to a wrong address and someone stole my card or my card number was stolen through a store I dunno. I explained so I asked them to send me all charges on the acct starting from XXXX dollars till XXXX dollars that they are reporting they failed to supply me with the charges on the bills all they sent me was XXXX statements of ending balances with XXXX purchases.
Product: Money transfer, virtual currency, or money service

Someone is using my address to send cards from CashApp and the company refuses to protect my address for that use. 

Cards are being sent and I only see them through the e-mail message I receive every morning from the Postal Service ( images attached ). Then, these letter are never there when I get my mail later in the day - which means someone is, in fact, reaching out to my mailbox to recover those cards. 

I am not home during the day to talk to the Mail person or try to intercept that person who is taking the cards or even getting the card earlier so they do not succeed in using my address to whatever they are trying to do. 

4 different people answered my e-mail messages complaining about the issue : XXXX, XXXX, XXXX and XXXX. Apparently my case number is XXXX. This last message shows exactly how uncommitted CashApp is to combat fraud. 

________________________________________________________________ From XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, This is XXXX with Cash App Support Team. Thanks for getting in touch with us I hope you and your loved ones are safe and healthy. At the moment XXXX is out of the office. Ill be taking over from here and I completely understand that you want to stop getting card in your address, otherwise you will open a ticket, and just know that I'm here to assist you along the way. 

Were always looking to improve our products based on our customers feedback and enjoy hearing from you about how we can make Cash App as useful as it can be. At this time we do not offer the option to block an address from getting cards. 

Ill pass your request to the rest of the team. Thank you for sharing your insight with us! 

If you have any other questions or concerns, feel free to let me know. I'll be more than happy to assist you. Have an amazing day! 

Best regards XXXX XXXX Cash App Support Team ref : XXXX : ref
Product: Credit reporting or other personal consumer reports

Please provide the method of verification for the disputed account listed on my credit report with these XXXX XXXX accounts listed, Account Numbers in question are : [ XXXX, XXXX and XXXX ]. I want these ( XXXX ) negative accounts Deleted from my Credit Report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), you are required to provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. Please provide detailed documentation showing the steps taken to verify the accuracy of this account. XXXX v. TransUnion LLC, '' No. XXXX ( XXXX Cir. XXXX ) reinforced that credit reporting agencies must conduct meaningful investigations into disputes and provide clear verification processes to consumers. 

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Cabelas authorized user account appearing on my credit report from XXXX. I have disputed this account numerous times, yet it is still appearing and causing my score to drop by a great deal because the account is a charge off. This account DOES NOT belong to me. This has been going on for over a year. Capital One reported the account as recently as XX/XX/2018.
Product: Debt collection

XXXX XXXX XXXX XXXX is reporting negative information to my credit report as a debt collector. The debt they have reported is for {$300.00} from TCF NATIONAL BANK. I do not desire to work with a collection agency under any circumstances for this reported debt. The debt is with TCF NATIONAL BANK and I am able and willing to settle the debt with them. The reason the debt with TCF NATIONAL BANK was not been paid, is because I believe I was charged excessive fees for an overdrawn checking account. I've been in contact with TCF NATIONAL BANK multiple times regarding the debt but did come to an agreement for the settlement amount. I would like to settle this debt with TCF NATIONAL BANK directly.
Product: Debt collection

I am a single working mother with no family or financial resources. I purchased a used car on XXXX/XXXX/XXXX, in a state of utter desperation. I later discovered I had been a perfect candidate for a " subprime loan '' ( the details of which I was not fully aware ), and which pretty much assured I would not be able to keep up with the very high payments and penalties. The lender is Santander, one of the top subprime lenders as I understand. During the course of the loan, I did make several late payments and was charged penality feels. At one point, the car was actually repossessed, but I was Able to get the car back by paying various additional fees ( which I had to borrow from a friend ) in addition monthly loan Amount. The car was Totalled in XXXX, XXXX. Despite having paid for gap insurance, Santander did not accept the gap insurance for the coverage of accrued late and/ or penalty fees - which started out at {$5800.00}. Hence, at this point, I no longer have the car, but had to agree to make monthly payments for two or three years. After receiving my tax refund, I made monthly payments of XXXX a month - but when thel money ran out I could not keep up with payments, especially BC I lost a job and I was sold another used car with a bad title ; As of now! I I have n't been credited for paymwmts that were made, they continue to accrue Inretest, and Santander calls my cell phone about 7 times a day - they have also reported the nin- payment to my credit report. I apparently now owe {$6200.00}. Deapire the original amount being {$5800.00}, against which I made about 5 or 6 payments of XXXX They call me all day and night - and have also been calling two friends if mine as well as my step father. Please help!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items 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 these items are being reported correctly? Who verified these items? 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 THESE ITEMS? 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I'm writing this gripe again. There are still accounts on my credit report that shouldn't be there even though I sent your company a dispute last month XX/XX/year> and made it clear which accounts were falsified.
Product: Payday loan, title loan, personal loan, or advance loan

I went to XXXX XXXX from XXXX XXXX XXXX and my procedure to receive a dent tal procedure and paid in full. My financing was through XXXX XXXX XXXX XXXX XXXX XXXX ) offered by the clinic. My first portion was financed and paid in the amount of XXXX on XX/XX/year> and the additional amount was paid XXXX XXXX XXXX in the amount of XXXX. At the time this was paid in full I was not completed with my treatment and spent 2 years trying to get them to make teeth I could live with! I have paid in full and also paid the lender in full but will not be getting any further treatments that were paid for and any issues that ight come up will not be covered as XXXX XXXX closed up his practice and left everyone on their own at different times in their treatment. I am left with a service that was paid in full but did not get what that payment should have paid for.
Product: Debt collection

In accordance with 15 U.S.C 1681i, I am contesting the accuracy of the alleged late payment history. Under Section 3, I am requesting that this information be removed from my credit history. On the XXXX of XXXX, I wrote a letter to the debtor requested the reinvestigation of the validation of the negative marks that are appearing on my credit report. This alleged debtor has failed to validate the alleged misinformation and I am seeking self remedy to get this matter resolved. In accordance with 15 U.S. Code 1692d, this company is in violation of engaging in the conduct the natural consequence of which is to harass, oppress, and abuse in connection with the collection of a alleged debt. This company has repeatedly attempted to collect on an erroneous debt has has threatened, the my reputation. Under 15 U.S. Code 1681c1, this alleged debtor has continued to furnish my consumer information and use my identity without my written consent and I would like for this information to be removed from my credit report immediately.
Product: Checking or savings account

Good day- I have experienced bank fraud with Bank of america XXXX XXXX Branch by means of a female employee stealing my business bank card info after my bank visit, it's happened twice to date .. 

1st theft : i went into the branch XX/XX/XXXX noon appt to ask about banking monthly fees because it's a business acc ... the person that assisted me was new and didn't know what he was doing so he ask a female employee to help and she did ... ..5 days later XXXX/XXXX/XXXX i received an alert saying my business card was set up for recurring charge of {$2800.00} from a clothing store in ohio called XXXX ... .i immediately alerted BOA fraud dep to stop the transaction and investigate it ... .they did and found nothing said, the clothing store doesn't exist ... .my money was returned .... this employee is obviously a professional thief ... .. 

2nd theft : this time i was prepared for this female professional thief .... i went into the branch XX/XX/XXXX noon appt ... .to change my last name on my business account from XXXX to XXXX due to marriage ... ..once again the person assisting me is new so she ask the same female that stole from me the first time to help, and she was more than willing ... i left the bank just like before .... 5 days later XX/XX/XXXX my business credit card info was stolen and set up as a recurring charge for {$80.00} from the same place in Ohio .... but this time I caught it immediately because I expected it. I reported it and changed my card .... I was unable to request an internal investigation because the bank temporarily closed for 1 wk after my visit so the thief is still working there ... .i will go there when they reopen XXXX.to retrieve the thief 's full name ... if she stole from me twice she's doing it to other customers .... 

*****Bank of America info : XXXX XXXX XXXX XXXXXXXX XXXX XXXX florida XXXX # XXXX. 

XXXX My Info ... ..XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX i own the company XXXX XXXX ( XXXX XXXX ) ,,, XXXX cell
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting an incorrect balance on the XXXX XXXX account number XXXX. ( Please see the attached page from my credit report. ) I have also attached a copy of the check to XXXX XXXX dated XXXX in the amount of {$11000.00}. I had GAP insurance after my accident and this check was applied to this account, however the balance is not being reported correctly on my credit report. I have contacted the ( 3 ) bureaus to resolve this issue. This inaccurate reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

Equifax has failed to resolve and correct the information I provided to them within XXXX  days as specified by law under the guidelines referencing XXXX XXXX.
Product: Prepaid card

I was given XXXX American Express gift cards adding up to a total of {$250.00} and was saving them to use on a vacation. On the back of the cart it says " Use at U.S. merchants that accept American Express Cards. '' I have tried multiple ways to use them for both online & in person purchases from companies that accept Am Ex, to reload other gift cards, to put on my XXXX XXXX. I've tried everything - and every time I try, I get a card error or card declined message. Customer service at Am Ex is unhelpful as they tell me to try another retailer. Nothing is working. I just want to collect the amount that I have been gifted by my family. Am Ex is purposefully engaging in this way of stealing money from unsuspecting people and hoping no one will follow up and try to reclaim their money. It's a total bait and switch scam.