23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I Sent my letter off on ( XX/XX/year> ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The Vice President of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) stated that a complete investigation was done and my account was verified but how is that possible if they did not do a proper investigation according to the law. I have not received any documentation or collection letter from XXXX XXXX XXXX XXXX XXXX. 

I would like to know who did they talk to. 
How did they complete this investigation
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the following accounts on my credit report, which I believe to be incorrect and have disputed numerous times without resolution. The continued presence of these accounts has caused significant hardship in my life and financial situation. 

The accounts I am disputing are : XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXXXXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX I request that you investigate these accounts thoroughly. If adequate verification is not provided to support their accuracy, I demand they be removed from my credit report immediately. 

If verification of these accounts is available, please send me this documentation so I can better understand how these accounts can be considered valid. If not - delete immediately. 

Your prompt attention to this matter is appreciated, as I hope to resolve this issue quickly. Please respond within 30 days, as required by law
Product: Debt collection

Upon switching cell carriers from XXXX to XXXX, I received a notice from Convergent Outsourcing, stating my account was in collection and that I needed to pay the balance right away. I received this notice on the exact same day ( XXXX ) that I received a final bill from XXXX. When I called, the Convergent agent stated my account was in collections. This final bill is less than two weeks old. I feel this is deliberate misrepresentation of the status of the balance owed XXXX, and representative of an attempt to frighten consumers into believing they have been " turned over '' to collections.
Product: Debt collection

Deceptive collection on money not owed. bill was paid..
Product: Payday loan, title loan, or personal loan

I received a letter in the mail on XXXX from a Law Firm company named XXXX XXXX XXXX XXXX, XXXX Attorneys at Law. The letter was titled " Dear XXXX XXXX RE : Wells Fargo Bank XXXX XXXX XXXX XXXX courthouse records indicate that the above referenced creditor has filed a LAWSUIT against you for the collection of a debt. It also stated that the creditors are attempting to " GARNISH MY WAGES '', OR " PUT A LIEN ON MY BANK ACCOUNTS OR other PROPERTY! I almost had a XXXX XXXX from hyper ventilating while reading this as I was sitting in my truck. 

Monday morning XXXX, I IMMEDIATELY called the number on the letter to find out what could this possibly be about. Of course, they said I would have to call Wells Fargo and so I did. I called several numbers not getting any answers, so I called the Legal department hoping to get some answers. Not even they could tell me anything. I looked up the corporate location in the XXXX 's and got a phone number to call, but it led nowhere. I then thought to call the Ga XXXX XXXX XXXX XXXX and that is where I found the information from XXXX XXXX XXXX. He informed me of what was going on with the fraudulent activities that Wells Fargo had done and how they did it. My Line of Credit was compromised by XXXX of Wells Fargo 's own employees to get their own satisfaction at someone else 's expense. I have been very upset since I received this letter missing sleep, not being able to eat and have had no response from Wells Fargo. I want this settled and punitive damages will be requested by me for all that they have put me through.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX has always been paid on time with auto drafted payments. 100 % on time. During some kind of internal process, XXXX XXXX caused the account to show late fees and late payment of every single payment ever made to the account. This was reported to credit agency and crashed my credit score from XXXX to XXXX.
Product: Credit card or prepaid card

Venmo ( XXXX ) has froze the funds I have in my account. I have called the company and they told me to email them and that they do not deal with issues over the phone. I have emailed them done everything that they asked me to do for them to unfreeze my account. Funds that I got in my account they froze it the same day. It has been months now and they have yet to release my money to me. I tried to change my phone number and they froze it. They are holding XXXX it has been stressful to get this resolved. I am asking that my funds get released and to close my account with Venmo.
Product: Checking or savings account

I am an existing BoA customer ( through XXXX XXXX. I attempted to open a checking account with BoA through their website XXXX XXXX XXXX, and was directed to go in-branch ( not a good idea in the pandemic ). Called to open the account ( also on XXXX ), and go through security questions/verification, recorded disclosures ( no mention re CRA access ) and provide a bunch of info XXXX they already have all of this info XXXX XXXX XXXX. 

All is going along until about XXXX minutes into the call, the rep says the account can't be opened over the phone and that I should go in branch. She clarifies my CRA freezes are the issue, and that lifting them will take 30 minutes to reach her so alternatively I could try calling back. I lift the freezes and connect with a supervisor, who goes through the whole process all over again, only to say that I again need to go in branch or remove ( not the freeze ) but my security alert. The security alert is can't be removed online ( as far as I can tell ) and requires mailing in some form. 

1 ) why is BoA using CRA reports for bank accounts ( no credit ) /where is this use disclosed? 
2 ) why is BoA redundantly asking for all this info that they already have ( via XXXX ), and why were the XXXX accounts open-able online but not the checking account? 
3 ) why is BoA barring folks who have security alerts from opening accounts online/over the phone ( and requiring customers to go in branch )? If this is the case, why isn't this policy disclosed/question # 1 in any of their prompts. 

BoA 's apparent policy that an applicant removed their security alert altogether ( I don't believe the CRAs permit alerts to be temporarily lifted ) or in the alternative go in branch during the pandemic are unreasonable ways of addressing their security concerns.
Product: Checking or savings account

Hi, I transferred {$83000.00} from my XXXX XXXX account to my Marcus by Goldman Sachs online savings account, and the funds were successfully credited on XX/XX/year>. On the same day, I initiated an ACH transfer for the same amount from Marcus to my XXXX account and received two phone calls from Marcus to validate and authorize the transaction. 

However, on XX/XX/XXXX, I discovered that the ACH transaction had been reversed. When I inquired with Marcus, they informed me that they had placed a hold on the account. 

On XX/XX/XXXX, when I called Marcus customer service to lift the hold, they refused to assist and instructed me to wait for 37 days. Additionally, they are unable to send an OTP to my registered phone number. I am now unable to access my own funds. 

Marcus Account # : XXXX Routing # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the following inquiries that were not authorized by me that are currently reflecting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX I have previously submitted documentation to TransUnion verifying that I am a victim of identity theft along with the police report number from the report I filed with the XXXX Police Department.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain late payments listed on my consumer report, as obtained on XX/XX/XXXX. Upon reviewing the report, I have identified discrepancies in the information furnished by your agency. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information. 

I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to XXXX. 

Your failure to adhere to these regulations not only jeopardizes my financial standing but also undermines the integrity of my consumer report. This letter serves as a formal request to rectify the inaccuracies present in the following listings on my report : 1. Name of Account : XXXX Account Number : XXXX Late Payment Date : XX/XX/XXXX, XXXX I request that you promptly investigate and update the aforementioned entries to reflect accurate information, as required by the Fair Credit Reporting Act ( FCRA ). Any information provided must be thoroughly verified, and any erroneous data must be expeditiously removed. 

Please provide me with documentation regarding the resolution of my dispute and furnish an updated consumer report reflecting the amendments made. I remind you that this is my initial attempt at resolving this matter amicably and in accordance with legal protocol. 

Kindly address this matter with utmost urgency to prevent any further harm to my creditworthiness. I anticipate your prompt response and cooperation in resolving this dispute. 

Best regards, XXXX, XXXX Without Prejudice All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from chase on the XX/XX/XXXX and XX/XX/XXXX and also the XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report says : XXXX  on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it. 

XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them. 



XXXX report says : XXXX XXXX XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXXgave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.
Product: Debt collection

On or about XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC making an allegation that I owed {$520.00} to the original creditor. " XXXX XXXX ''. PRA sates that they purchased the alleged debt from " XXXX  '' on XX/XX/XXXX. I've never heard of or from XXXX  in the past regarding this alleged debt and when I tried contacting them ( XXXX ) I spoke to one of their representatives ( didn't want to give me his name ) and informed me that they are no longer " XXXX  '' and that " many '' years ago they separated from " XXXX '' and now go by the name of " XXXX XXXX XXXX ''. I wrote a letter to PRA requesting validation of debt and the authorization they have to collect this alleged debt dated XX/XX/XXXX and as of todays date PRA has not provided me the information I requested. PRA is knowingly violating the FCRA & trying to collect an alleged debt that has passed the " statue of limitation '' in the state of Montana which is 8 years. PRA actions of not providing me the required validation of debt & trying to collect on an alleged debt that they know has passed the " statue of limitation '' bring into question the integrity of their business practice but unfortunately for them as a victim of identity theft I've become a well informed consumer and know my rights.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

when the debt collect call i ask for a debt validation and the original debt with my signature
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent multiple certified letters in XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX to Equifax asking them to verify collection accounts on my credit report ( from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX by providing the original contract or agreements with my signature on it and the name of the person they interviewed to verify accuracy of this debit. 
I suspect fraudulent activity and have not been provided with original legal documentation to verify these accounts are accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts in collections for Avante or XXXX XXXX emergency when I had and still have state health insurance at the times of the visits, so there shouldnt be a bill to turn over to collections to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy. 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report plan as late for purpose.
Product: Debt collection

I have a loan with Navient and had been placed on a program but when it was up they never sent my renewal paperwork to get it started up again. It was based on my income the program and was able to get no payments due to my job not making enough. I was told when the time was over just call them and they would get the paperwork over to me. I did call and spoke with a representative and they acted like they did not know what paperwork I was talking about. By then I had lost my full time job.
Product: Debt collection

there is a collection account with the following details : Account Type : Open Account Date Opened : XX/XX/XXXX Account Status : Closed Balance : {$6500.00} Payment Status : Collection account Last Reported : XX/XX/XXXXI am disputing this collection account based on the following grounds : The account status is listed as " Closed, '' indicating that the account is no longer active. However, it is reported as a collection account, which is contradictory and misleading.The collection account status is impacting my credit negatively. However, there is no clear explanation or validation provided for the debt, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). [ Include any additional reasons or details supporting the dispute of this collection account. ] I request a thorough investigation into this matter to verify the accuracy and validity of the collection account. If it is found to be inaccurate, unverifiable, or misleading, I demand that it be promptly removed from my credit report.Please provide me with a written explanation of the results of your investigation and any actions taken within 30 days of receipt of this dispute letter, as required by law.Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed accounts reporting that I've never applied for or authorized. I contacted the credit reporting agencies in XX/XX/2023, notifying them of the identity theft and requesting verification. 

I have the right to privacy and have not given any written consent for this information to be furnished to my profile which is in violation of 15 USC 1681.

Furnishing accounts to my report in direct relation to identity theft is in violation of 15 USC 1681c-2.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint regarding the handling of my credit report by XXXX, Equifax and XXXX. Despite my efforts to correct inaccuracies related to my address and name, the credit bureau has failed to update their records accurately. 

I have previously disputed the incorrect information related to my old address and name. I submitted all necessary documentation, including my current identification with the correct address and name. However, the credit bureau has incorrectly updated their records as accurate, disregarding the evidence provided. 

This has caused significant inconvenience and potential impact on my credit profile. I request your assistance in resolving this issue and ensuring that my credit report reflects my accurate and current information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting

Transunion is not giving Giving me any Response from XXXX XXXX about why are they reporting after more than 2 years, They allow to poison my credit sending every month the account is off charge, is Poison my Credit, this is a illegal action from XXXX paying Transunion to Damage my Credit Report, Off Charge is one time action not a recurring action by the Fair Credit Reporting Act. I need them to Stop Poison my Credit for this Action.
Product: Mortgage

Well, disclosing on this product of our new townhome, XXXX did not disclose several things, including the red painting of the curbs, the monument directory, and also the maintenance of the canal in front of my townhome that could potentially collapse. The canal was temporary fix, but there is going to be a problem in the future, as the quality of work is very poor to keep the canal from collapse. Also, the quality of the townhome was very poor as well. The limited fixes of my townhome should have been extended to at least three years, because finding things that the builder should have fixed before I moved in this includes the carpeting, the outside, stucco, the tile that I had to fight for months for them to fix, the poor installation of the master bedroom, toilet that exposed my husband, and I to mold for months since we moved in, it was leaking, fecal matter and mold, and also little odds and ends with in the house.
Product: Debt collection

To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates XXXX XX/XX/2020... Several inquiries were reported and placed on credit report without knowledge to the consumer that credit checks were being acquired. None of these inquiries resulted in established open accounts. Requests to have these inquires removed have been ignored by the companies and credit bureaus