23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

FTC theft report was sent. Ignored. 

I requested verification that I opened the debt, through a signed document or credit card receipt. Discovers response was : " XX/XX/2019. As this application was submitted online, <b>there is no signed application to provide to you</b>. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. '' Your response states that the only proof you have is that someone used my information to open an account in my name. You also state that you do not actually have a signed application by me.

Without a signed application or credit card receipt you do not have verification that I opened the account or that I spent money on the account ... other than circumstantial evidence ... but not actual evidence. Discovers " evidence '' would not be permitted in a court of law, and should not be accepted as verification of the debt by anyone.

Despite discovers investigation findings, without the proof that I requested, you can not actually verify the debt, because you do not have proof that i opened the account.

Not only was I a victim of identity theft and fraud when the account was opened, but discover continuing to verify the debt to the credit bureaus, after receiving a ftc theft report, and after stating that they dont actually have proof that I opened the account is fraud against me and the credit bureaus.

Please cease and desist all collection attempt of this debt from me, including but not limited to credit reporting.

I have attempted to reach XXXX XXXX with discovers executive office repeatedly concerning this matter but he refuses to return my phone calls.

I live and have lived in XXXX, Tx and not the address Discover has as mine. My credit report shows XXXX area as my residence as a result of identity theft. Attached is a photo of my address from the state of texas.
Product: Mortgage

After purchasing a home with a VA loan my wife and I have received a number of refinance letters from American Financial Network Inc. We have never had any business dealing with American Financial Network Inc. and do not desire to. My wife and I both completed the opt out process at optoutprescreen.com, as provided by the Fair Credit Reporting Act, on XXXX XX/XX/2021. American Financial Network Inc. has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021 at XXXX EST. They agreed to stop sending letters. However my wife and I have continued to receive letters from AFN. We filed a compliant with CFPB on XXXX XX/XX/2021. After dragging their feet AFN finally responded two weeks later claiming they would put us on their internal do not contact list. AFN however has continued to brazenly violate the Fair Credit Reporting Act and still to this day ( XXXX XX/XX/2021 ) sends us unsolicited mortgage offers.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX  XXXX account ( Account Number : XXXX ). 

Despite multiple requests for correction through letters dated XX/XX/XXXX and XX/XX/XXXX, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of the information reported in a consumers file. In my case, this mandate has not been followed, as the incorrect reporting of late paym
ents has persisted despite my two prior disputes.

Moreover, under 15 U.S. Code 1666b, creditors are required to send periodic billing statements at least 21 days before a payment 's due date. The inaccuracies in late payment reporting indicate that this requirement was not adhered to, which further supports my claim of unlawful reporting practices. 
TILA Violations The Truth in Lending Act emphasizes the necessity of providing accurate and timely disclosures to consumers. The incorrect reporting of late payments on my account has had a negative impact on my creditworthiness, thus violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Additionally, the Protection Against Non-Payment of Obligations Act reinforces creditors ' responsibility to issue timely billing statements, preventing consumers from incurring unfair penalties. This responsibility was not met by XXXX XXXX in my case. 

New Evidence of Error The discrepancies across the three major credit bureaus for my XXXX  XXXX account involve inaccurate reporting of late payments in XXXX, XXXX and XXXX of XXXX. Specifically, both TransUnion and XXXX incorrectly reported XXXX late payments in XXXX and XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. 

XXXX also reported similar late payments in XXXX ( 30 days ) and XXXX ( 60 days ), along with an incorrect 30-day late payment in XX/XX/XXXX. These errors remain unresolved despite my previous disputes. 
Pattern of Non-Compliance The repeated errors across these credit bureaus highlight a pattern of non-compliance. This persistent failure to accurately report my payment history is unacceptable and has caused unjustified harm to my credit score.

I am formally requesting that the inaccurate late payment notation be
removed from my credit report immediately.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies.

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

ACCOUNT NAME ABILITY RECOVERY SERVI Account : XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late ( 1 ), 60 days late ( 1 ) 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I had a hard inquiry by XXXX XXXX, Fl XXXX National Credit Cards Airlines I never asked, signed up or gave permission for them to do a credit check. I live XXXX, Indiana. I have never heard of them. It stays on my report for two years. I looked into the company and several people commented that they only got a run around and received help through you. I would appreciate your help in getting that hard inquiry removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are doing a Home Loan for our Borrower and it required a conference call with XXXX  and the creditor to confirm that the Borrower had paid off his Account with Prosper. Borrower speaks zero English other than to be able to say his name, date of birth and last 4 of his social. Both myself and the Agent from XXXX  were on the line to assist with translation as needed. We requested someone at Prosper that spoke XXXX and the proceeded to advise us that they only speak English there and no XXXX agents or any other language. Propser Agent advised that they would not allow having a translator on the line even though Borrower DID answer the validation questions they asked which were his name, date of birth and last 4 of social. I requested a Supervisor and explained the situation and Supervisor stated that Borrower should not be applying for a home loan with us if he does not speak English. Prosper refused to complete our request or provide confirmation that the balance on their end has been paid in full.
Product: Credit card

I noticed on my card statement several fraudulent charges going back a few months. They were small amounts and I did not realize immediately that there were fraudulent charges until I realized my balance shot up higher than normal. 

I called Target they were unavailable to answer and the automated system was not helpful in regarding credit card fraud. I needed an actual person to lock my card and send me a new card and resolve the issue. I will be contacting them as soon as possible when they open to resolve this issue.
Product: Checking or savings account

I am writing to bring to your attention an issue related to my Fifth Third Bank account. I have been a loyal customer since XX/XX/XXXX, and I recently discovered that my account has been charged monthly inactivity fees despite being informed otherwise when I decided to keep a small balance for future use. 
The Fifth Third Bank took money from my account without my knowledge. I opened an account on XX/XX/XXXX and later decided to close it because it is too far from my home, but the bank convinced me to keep a small amount for future use. I was not informed of any fees associated with keeping the account open. A few years later I found out that I only had XXXX dollars left, so my account was charged a monthly inactivity fee that I was not told about and without prior notice. When I asked for a refund, I only received {$25.00} of the total amount back. I contacted the bank branch to discuss this issue. 
I called the Fifth Third Bank branch on XX/XX/XXXX and spoke with the manager XXXX XXXX about closing my account and returning the money by check. The manager promised to close the account if I send him email, because he cant close account by phone, but 23 days have passed by, and this still has not happened. As of today XX/XX/XXXX, my account is still open, and I have no response from the bank. 
I need help getting back the money ( {$40.00} ) they charged for the inactive fee and {$31.00} I currently have on my account. I also want my account to be closed. 
I tried reaching out to XXXX XXXX, the Executive Vice President and Head of Corporate Banking, but have not received a response from him yet. 
I kindly request your assistance in resolving this matter and refunding the dormant account fees. I appreciate your attention to this issue and look forward to hearing from you soon. 

Bank Routing Number : XXXX Thank you for your time and consideration. 
Sincerely
Product: Credit card or prepaid card

On XX/XX/2021, I attempted to purchases 100 " stamps '' through J-Pay, a company that provides electronic messaging between individuals who are incarcerated and those in the free world. There contact information can be found here : https : //www.jpay.com/ContactInfo.aspx Instead of processing my order for 100 " stamps '' for me to communicate with people in XXXX XXXX XXXX facilities ( which is what the page specifically stated when I placed the order ), they instead added 100 stamps to my account to contact people in XXXX XXXX XXXX system. I have attempted numerous calls to their customer service line ( which states they will provide support XXXX ), but I have not been able to contact a single individual and their automated system does not provide prompts related to this issue. Not only have they failed to resolve this issue, but they have also failed to respond to my email inquiry as to why they charge more money for stamps required to contact people in Florida 's prison system compared to stamps for people in Michigan 's prison system.
Product: Consumer Loan

I currently have a loan for furniture through Wells Fargo. How do I find out if a false account has been opened under my name?
Product: Debt collection

Re : Response to Debt Validation Dispute Case Number : XXXX Internal Reference : XXXX Dear XXXX XXXX, XXXX am writing in response to your letter dated XX/XX/year>, regarding the dispute I filed with the Consumer Financial Protection Bureau XXXX CFPB ). While I acknowledge the receipt of your response, I must disagree with your assertions, as XXXX XXXX XXXX has failed to provide the proper documentation to validate the debt and is continuing to report inaccurate information that is negatively affecting my creditworthiness.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 solution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company CapitalOne has taken my personal information and shared it with a XXXX party agency. 15 usc 1681 a paragraph 2 subsection ( a ) ( i ) report containing information solely as to transactions of experiences between the consumer and the person making the reports. Also 15 USC 6802 a financial institution may not directly or through any affiliate disclose to a non affiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. In both cases, I did not consent and was never allowed to opt-out.
Product: Checking or savings account

I had a fraudulent transaction on my Navy Federal Credit Union ( NFCU ) checking account and filed a dispute, providing a police report as supporting evidence. NFCU initially issued a temporary credit for the disputed amount. However, they later reversed the credit without sufficient explanation, which caused my account to go negative. As a result, NFCU charged off my checking account. 
Despite submitting proper documentation, NFCU has refused to reinstate the funds or remove the charge-off. 
Additionally, my credit report still shows the account in good standing, but I am concerned that it may have been reported to XXXX, affecting my ability to open new accounts. 
I am requesting that NFCU reopen my dispute, remove the charge-off, and correct any negative reporting related to this issue. These remarks have been detrimental to my life and credit and banking health
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is being reported with late payments. I was never late and have not received a response after sending the bank a certified letter requesting verification!
Product: Debt collection

The collections agency on my credit report states : Trident Asset Management. The account says it was opened XXXX XXXX, 2020 and I have not received any communication on what this would be for. I have tried calling and I get no response only a demand that I must pay. They are unable to provide me any information on the debt and will not send me any proof, they only tell me to mail a payment to their address. On my credit report it states the original creditor was XXXX XXXX XXXX XXXX and when I called them directly they stated that they don't have anything in their system showing I held an account with them. The total they are trying to collect is {$310.00} and I can not get any information on this from them and it is hurting my credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers ; accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

I was taken to XXXX XXXX XXXX by XXXX XXXX XXXX and they won for XXXX but I have collection agency to to collect they debts that I was sued for that is XXXX debts combined I have the court papers to show what I was sued for and how much each one is
Product: Credit card or prepaid card

At the end of XXXX of XXXX, I applied for a XXXX XXXX credit card in order to more easily pay off a couch purchase of around {$900.00} with no interest. 

As of a letter sent to me from Comenity Capital Bank, the issuer of all XXXX XXXX credit card accounts, on XX/XX/2021, I was denied for the following reasons ( spelling errors included ) : " High average credit limit or loan amounton revolving/real property trades or credit balance to limit ratio on revolving trades High credit limits and balances on revolving trades Low level of authentication indicative of First Party Fraud Low level of authentication indicative of ID Fraud. '' They also gave me a " Behavioral Risk Score '' of XXXX out of XXXX. 

This information was supposedly gathered from XXXX and XXXX but the bureau that was shown to me as the main source of my denial was XXXX 

I spoke with all three credit bureaus listed above the morning of Monday, XX/XX/XXXX and accessed my credit scores for all three that afternoon. From each bureau representative that I spoke to, none could find any information leading them to one of the above causes of concern outlined by Comenity. 

I called Comenity bank the morning of Monday, XX/XX/XXXX after my 3 previous calls to the credit bureaus. I was told that the decision making was up to the provided credit reports, but after stating that I had contacted all three credit bureaus and had found no evidence of the listed issues, I was told I could not escalate this any further and was told to either file a complaint through the mail to them or wait 30 days to re-apply for the credit card. 

After insisting to escalate this issue, I was incorrectly transferred to the wrong department and ended my call. 

On the morning of Tuesday, XX/XX/XXXX, I called XXXX again to re-confirm my credit report and once again go over the reasons for my denial to see what was on my report that could indicate those reasons. I was confirmed that nothing on my account matched what Comenity saw, and in addition, I was told that they had no evidence of Comenity ever accessing my credit report. 

After asking what I could do to solve this, the XXXX representative ( XXXX XXXX ) suggested I report this to the CFPB due to potential negligence on the part of Comenity Capital Bank to source my credit reports to make an accurate decision to give lines of credit.
Product: Credit reporting or other personal consumer reports

Both on The First Week of XXXX & XXXX I send a notarized FTC Affidavit for the same purpose. 

Result : Unsuccessful-Willful Non-Compliance. 

On XX/XX/2024 I made multiple calls to Experian Customer Service. 
After the intake of the SS # and correct personal data, I was told I would be transferred to a disputes department to complete the processing of these updates. 

Result : Each Transfer was unsuccessful and the phone line cut off! - Willful Non-Compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed account has violated my rights. 

COMENITYBANK/VICTORIA, acct # XXXX 15 USC 1681 Section 602 : States that I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states that 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 and consumer credit plan as late for any purpose.