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

I have filed a dispute regarding the incorrect items on my credit report it has been over thirty days and I haven't received my investigation results.

On these accounts are the following companies : XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, ( XXXX XXXX XXXX  ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA did not respond to method of verification request letter and or delete unverified public records on credit report within 15 business days as required.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts will get corrected. 
XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXX Balance : {$17000.00}
Product: Payday loan, title loan, or personal loan

The Lending Club has destroyed my credit history
Product: Credit reporting

Despite my multiple written requests, the unverified items : XXXX, XXXX, and multiple unauthorized inquiries from XXXX XXXX to XXXX XXXX, still remain on my credit report in violation of Federal law. In their results of re-investigation, Experian stated, in writing " verified '' that these items are being " reported correctly ''? Experian still has not identified who in their company verified the accuracy of these accounts or how they verified them. Experian 's failure to provide me with verifiable proof required for their company to post the accounts listed above is evidence that it does not exist and therefore is proof that they ca n't properly " Verify '' the accuracy of any of the disputed accounts. Under section 611 ( 5 ) ( A ) of the FCRA, Experian is required to " promptly delete all information which can not be verified. The law states that Experian must be willing and able to produce a document in their files that proves the account ( s ) /inquires belong to me/or they was given permissiable purpose to pull my credit report. Someone must authenticate the documents in my files that was used to verify the disputed information, and to do this they must have 1st hand knowledge of the alleged accounts ( s ) and all that has ever transpired for the alleged account ( s ) /inquiries. Experian has failed to do this after several letters and phone calls.
Product: Mortgage

We had tried to get a modification on our commercial office building. Ocwen dragged the process on for several months. They turned us down with no explanation given. We were charged a Property Evaluation fee on our Statement dated XX/XX/2018 which we paid. We were also charged a " Professional Fee '' of {$51.00} which we've never been charged before. We paid it not realizing it was there. There is also no amount going to principal on the loan. 
This last statement dated XX/XX/2018 has a Past Due Fee and another Expense Payment Fee/Other Charges of {$100.00} of which we have no idea of what it is since we've never been late. I called Ocwen twice. First, about the two amounts. Second, I called back about there being no principal credited to us. 
Also the amount of of our principal is going down each month. Is that correct?
Product: Credit reporting, credit repair services, or other personal consumer reports

The account/collection ( Original Creditor : ) XXXX doesn't belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted Equifax to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Clarity services inc I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an  entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' *****https : //www.consumerfinance.gov/XXXX*****
Product: Credit card or prepaid card

I opened a Blue Business Card.

Amex said I have 15 months of 0.0 % interest on balance tranfers and new purchases.

Instead they are charging me 15 % interest.

I have called about 5 times to solve the problem.

They say they are investigating. .. but it has been 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues obtaining a score with Equifax and I need one to move forward with my home loan. I have great credit with XXXX  & XXXX  and am authorized onto 2 of my husbands credit cards. I have called both credit card companies to request they report to all three bureaus and they continue to tell me that they do. At this point, all I can think is Equifax isn't reporting my score because of a mistake. I need this fixed.
Product: Checking or savings account

I signed up for a bank account with TD bank using a promotion that offered a cash sign up bonus for setting up direct deposit and meeting a few other conditions. I carefully read the fine print and made sure I was eligible, and the promotional code offered applied to the account when I opened it. I met all of the conditions and the promised bonus was not applied to my account by the timeline specified. I contacted TD bank and they said I wasn't eligible for the bonus because I've received a bonus from them before. This is not in the terms and conditions of the offer at all, and in fact the terms just state you are ineligible if you've had an open account in the past 12 months ( I have not ). I feel cheated because I've now had thousands of dollars in this bank since the summer as I was trying to meet the conditions of the bonus, to no avail. I was wrongly led by the bank to open this account, and I would never have chosen to bank with them and leave my money in there if I knew they wouldn't honor the promotion I signed up with.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Portfolio Recovery Associates for their violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau Regulation V, state and local law in Illinois, and industry guidelines.

Portfolio Recovery 's response, " Because we purchased the account and contract XXXX XXXX had with XXXX XXXX to pay the balance due, no other contract between XXXX XXXX and XXXX is required to validate the account, '' violates the provisions of the Fair Credit Reporting Act ( FCRA ) Section 611. This section requires debt collectors to provide verification of the debt upon the consumer 's written request. I have indicated that I did not receive such validation and verification and their response does not meet the requirement. 

In addition, Portfolio Recovery 's statement that " business records provided to us by XXXX XXXX Bank ( XXXX ), XXXX ( XXXX XXXX ) reflect that on or about XX/XX/2015, XXXX XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX whose social security number ends in XXXX, '' is incorrect and inaccurate. I have ordered a new social security card and will soon prove that the name associated with those last four numbers is incorrect. This means that Portfolio Recovery has no contract in my name and social security number and did not verify or validate the alleged debt. 

Portfolio Recovery 's violation of the U.S.C codes, including 1681i ( a ) ( 1 ) ( A ) and ( B ), 1681e ( b ), 1692e ( 2 ) ( A ), 1692e ( 5 ), 1692g ( a ), 1692g ( b ), and 1692g ( c ), constitutes passive harassment, coercion, and abuse with the intention of hurting my credit score and stifling my financial success. 

Furthermore, Portfolio Recovery is violating FCRA Section 611 ( a ) by refusing to reinvestigate the accuracy of disputed information when requested by the consumer, Regulation V ( 12 CFR Part 1022 ) by failing to provide written verification and validation of debt within five days of their initial communication with the consumer, and industry guidelines established by organizations such as the Association of Credit and Collection Professionals ( ACA International ).

I request that the Consumer Financial Protection Bureau take appropriate action against Portfolio Recovery Associates for their violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau Regulation V, state and local law in Illinois, and industry guidelines. I believe that Portfolio Recovery has failed to legally resolve my complaint and provide verification and validation of the alleged debt.

Thank you for your attention to this matter.
Product: Debt collection

XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX trident asset manageme {$720.00} XX/XX/XXXX XXXX   XXXX {$710.00} these accounts was an result of identify theft. These companies was requested for deletion. company agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting Fraud accounts on my credits reports with all 3 major bureaus : XXXX XXXX, XXXX XXXX XXXX. I previously sent Capital One letters, for months, disputing these fraud accounts below. 
Capital One acct # XXXX {$2500.00}. Capital One acct # XXXX {$2200.00}. 
I am a victim of Identity Theft & have already sent a copy of my FTC report to XXXX XXXX, XXXX XXXX XXXX. 
Capital One received my letters and were required to take the appropriate action within 30 days of receipt. Capital One is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belong to me, anyone can open an account online using my info! Capital One 's offices failed to respond to this validation and proof of claim ( NOT A COPY OF A BILL! ) BUT REAL PROOF, all references to this account must be deleted and completely removed from my credit files. However, Capital One willfully failed to delete the disputed information as I requested in my dispute. Capital One 's action or inaction is an intentional violation of the FCRA. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax claims they did an investigation which did not solve my disputes. There are XXXX items disputed on my Equifax report and they were not address by Equifax. Per FCRA if after 30 days the incomplete and/or incorrect items disputed can not be corrected or completed it must be deleted. Equifax continuously ignores my disputed and just claims that things were verified. It seems to me as if the investigation is not really being done and the answers are very robotic which leads me to believe that a real human didn't take a look at it and do a real investigation and use real judgement and apply FCRA laws to the process in order for Equifax to be in compliance. At this point Equifax is in direct violation on multiple accounts according to FCRA.
Product: Debt collection

There was a lawsuit against the school that I attended and they are closing the school down as a result. I was paying my loans at the minimum that I can afford and now the loans are being serviced by a different company. I can not afford to pay the loan at this time and I am receiving notice of default. How can I resolve this issue when the school is being sued for the way they talked students into taking the loan in the first place, I should have never been approved because I was not working at the time and they asked if someone could help me pay it. The person that was helping me is no longer in my life and I am stuck with the obligation when he agreed to pay it.
Product: Debt collection

The account in question was opened fraudulently, I had no clue of this account till it showed up on my credit report as charged of, I was a victim of identity theft.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Zelle regarding an unresolved fraud alert issue that has persisted on my account since XX/XX/year>. I have been a regular user of Zelle for both sending and receiving payments without any previous problems. However, after attempting to receive a payment of {$100.00}, a fraud alert appeared, canceling the transaction. Since that time, every attempt by anyone to send me moneyregardless of the amounthas triggered the same fraud alert, preventing me from using my account. 

I contacted Zelle customer support immediately after the issue arose. I was transferred multiple times, but no solution was provided. Eventually, I was assured that the issue would be resolved, but the problem remains ongoing. Despite reaching out to customer support at least 4-5 times, I am still unable to use my Zelle account . 

I am particularly concerned because, according to the Consumer Financial Protection Bureau 's findings, Zelle has been criticized for failing to protect consumers adequately and for allowing repeat offenders to exploit the system. As a result, users like myself are left vulnerable to potential scams and account issues without recourse. 

I am requesting your assistance in addressing this issue and ensuring that Zelle takes the necessary steps to resolve it. Specifically, I would like to have my account reinstated so that I can send and receive payments without encountering fraud alerts. I would also appreciate an investigation into Zelles practices and policies surrounding fraud prevention and consumer protection. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Transunion are consumer reporting agencies and I am the Consumer. XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, and XXXX XXXX XXXX are not maintaining reasonable procedures.
Product: Debt collection

I have been disputing a debt for many years with Portfolio Recovery Associates. I decided rather than dealing with their incorrect reporting and trying to resolve the issue with a company unwilling to ethically work with a consumer, I would pay the full amount they were collecting. I submitted a payment for {$1000.00} that I was told I owed since 2013. They withdrew only {$1000.00} from my bank account stating that they are not allowed to withdraw more than I owe and after further research the amount was different than what they had been trying to collect. My credit reports have shown the incorrect amount since 2013. The amount they had been collecting has been reported incorrectly for many years and has been disputed with all XXXX credit bureaus and verified with the words " Dispute resolved ; customer disagrees '' and " Consumer disputes after resolution '' added in the comments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 DEPT OF EDXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting

Transunion is not allowing me to access my credit report online. When I contact the customer service number at XXXX they say that I have to contact Transunion Credit Monitoring department at XXXX. I call that number and they say I have to call dispute department which the number is the same as the customer number of XXXX. I 'm trying to access my credit report and dispute online but error message keeps coming up and been on the phone for 5 hours and unable to get anything resolve because each department keeps saying its the other department fault.
Product: Credit reporting or other personal consumer reports

Through ( CFPB ) the accused debt was consolidated through my insurance policy I also filed a complaint through the CFPB concerning the matter of the insurance company for not honoring the insurance policy that complaint number is ( XXXX filed through CFPB ) This has caused inadequate information on my credit. I would also like to have full documents from the property adjuster that evaluated the damages before American credit acceptance removed the vehicle from the impound it is in the best interest to take this matter up with the insurance company to resolve the above statement
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX  disputes dept today XX/XX/2019. I asked if my dispute sent via mail was received and I was told yes. It was received on XX/XX/2019. I asked if Cfbp complaint that I filed had been received-got ignored. The rep. stated dispute would be completed the second or so week in XX/XX/2019. The rep. stated 30 days is their normal time frame. I told the rep. no!! The first & second dispute took 30 days each. I stated they had 15 days according to fcra rule 611, 613, 605, & 617 to complete dispute. I indicated that information in my dispute Letter. I also made known to the rep. that XXXX   has blocked / removed allowing me access to view, check status, or start new dispute online. Then the rep. hung up the phone
Product: Debt collection

I had a default judgement file against me from Stephen Bruce & Associates which is in XXXX, OK. They never serve me any papers so I knew nothing about this until I got a letter in the mail. I have sent them multiple letters asking them for Validation of debts and they have yet to show me proof of this allege debt that they claim I owe them. They have only sent me statements which shows that this allege account that they say I owe is pass the statute of limitations in my state which is 5 years in Arkansas. And I also thought that I was suppose to get 30 days to answer them back for the judgement they file against me and they didn't give me the 30 days to answer back.
Product: Vehicle loan or lease

Account Number : XXXX Originating Creditor : U.S. AUTO FINANCE, XXXX XXXX XXXX XXXX  Bought XXXX at XXXX XXXX XXXX, warranty, and gap insurance. Upon XXXX  week of obtaining XXXX had problems and had to use the warranty. In the meantime time went on while still under warranty and the XXXX begin to have other problems. The government shut down XXXX XXXX XXXX and Westlake Portfolio took over for the loan. Upon contacting them more than once via telephone they said they would not honor any warranties nor gap insurance.. time went on contacted them via telephone and nothing. Explained I was a XXXX XXXX  etc. Almost a year went by got only XXXX email ( thought it was spam at first and found it in the spam folder ) ... no home info sent no phone calls or nothing saying XXXX took over for XXXX XXXX XXXX  warranty to contact them.. contacted them explained vehicle had problems while under warranty but no one would honor it. Now they said well the vehicle is over mileage so nothing they can do to contact westlake but westlake says to contact them. We have a XXXX that is dangerous and not useable for an extended time that we keep paying on.