23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a call on XX/XX/XXXX from Aragon agency that I owed {$100.00} from an accident XXXX years ago. That debt was paid by my attorney by the collector XXXX XXXX XXXX. The representative said if I could provide proof that there would be no more hassle. Every time I call trying to provide proof I ca n't get anyone to give me an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a response from XXXX XXXX regarding a fraudulent account being opened under my social security number & they removed the account but I received an alert almost 3 months later Equifax decided to add it onto my credit file. I want this removed ASAP along with the 7 hard inquiries listed because I was a victim of identity theft & have already proven this to the company
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays dat XX/XX/2022 Experian / XXXX has not responded/ replied/ answered to my dispute and therefore must update from my credit file. 

DEPT OF ED/XXXX  XXXX and DEPT OF ED/XXXX  XXXX Under the Fair Credit Reporting Act, your bureau was to have completed/ finished its reinvestigation of the disputed information within 30 days. I am requesting/ seeking/ demanding your assistance in the verification of the disputed data from my credit report. Kindly send to my address provided above an updated credit report as proof that this/ these have been updated.
Product: Debt collection

On Friday, XXXX XXXX, 2015, at XXXX, I was on the phone with USAA Bill Pay Department speaking with a representative by the name of XXXX. When I filed for bankruptcy, USAA shut down all access to their website and services and only allowed me the ability to access to my account via mobile application. I was calling to see if it was possible to regain access to by Bill Pay so I could pay my bills again. 

XXXX stated the restrictions were put into place because I had a credit card which was included in the bankruptcy. She will transfer to the credit card department to pay my bill and then the restrictions will be removed. When I said excuse me, she against stated that when I my credit card debt, the restrictions against my bank accounts will be lifted and I can become a " normal '' customer again. I informed her what she stated to me was very illegal ; that the debt was discharged in a BK and she can not collect on a debt that was involved in a BK and she can not promise me things that will not happen. I then asked if the phone calls are being recorded and she stammered out a few answers before I was able to be transferred. 

I was eventually transferred to an Executive Resolution Specialist, advised the Rep was in violation of the BK discharge and FCDPA ( false/misleading representation/unfair practices by stating restrictions would be removed when they would not, did not notify me they were collecting a debt and trying to collect a BK discharged debt ). The executive resolution specialist first asked what I was looking for in compensation, which I stated I was only trying to determine if the restrictions could be removed from my bank accounts. The Specialist informed me the restrictions on the bank account could be removed if the BK had been discharged, which had been in XX/XX/2015. After XXXX mins on the phone, I was advised the restrictions would NOT be removed and even though the debt was discharged in a BK and XXXX committed violations against FDCPA, they were sorry for her behavior. Prior to this statement, which resulted in my stating I would file a report with the CFPB and contact my BK attorney, I was advised all calls were recorded, was questioned as to why I wanted to know that information and what would the information be used for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

I acknowledge your immediate attention to this matter and response within 4 business days. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}.
Product: Debt collection

XXXX is the employee ID number for CITIBANK - XXXX was the employee, however I have received numerous calls from them. That is harassment. If you think I owe any debt to your company send proof in writing only VIA MAIL. 
According to 15 USC 1692 may not harass or annoy. 
I revoke all calls, texts, emails. 
Please provide me XXXX form that I have continuously asked for, or I will take legal action. 
I demand all of these requirements.
Product: Checking or savings account

I had an account with the prepaid card App " revolut '' They asked for ID verification I sent them my ID, Front and back, Proof of employment, My federal tax returns, Etc After jumping through hoops, 1 more request after another, endless documents requested. 
Then they still decided to close my account anyway. 

Fine. 

That's their right. 

But now there is absolutely no possible way of contacting them. 

There is no contact email on the website, the only option to contact them is through the app, only after you login. 

But since my acc was closed, my login no longer works, so I can not login. 
please, I urge you to look into this. 
This company still has a relatively large amount of my money that was in that account, And since the time they closed it, the IRS claims to have sent both the 2nd and 3rd stimulus payments into that same account. 

PLEASE help me to contact this company, and PLEASE investigate this so it doesn't happen to others. 
This is literally a scam fake bank. 
Fraud company
Product: Debt collection

I discovered that this debt collection company named Credit Systems or Credit Systems International placed a collection on my credit report. It shows that the item posted on XXXX XXXX. The amount in question is {$120.00}. I disputed the item back in XXXX of XXXX  and it came back verified in XX/XX/2023. I have never entered into a contract or written agreement with this company or the original creditor listed. I called the company in the beginning of XXXX and the representative stated that the call is being monitored and recorded and this is an attempt to collect the debt, then proceeded to ask for my personal information to verify if I had a debt on file, I disconnected the call. The representative called back and I requested that they do not contact me again without my permission.
Product: Checking or savings account

Its been all type of accounts opened in my name all type of fraud has been done and i dont know how anyone could have my information now Im reading about all these data breaches and it links back to the dark web i need all this stuff taken off of my name
Product: Credit reporting or other personal consumer reports

Ive noticed several companies have pulled my credit report and submitted applications in my name that I never authorized. These inquiries are completely fraudulent, and I have no idea where they came from. I contacted Equifax, and they assured me that these would be removed from my report, yet theyre still there.
Product: Checking or savings account

On XX/XX/2024 i noticed 101 purchases on my chase debit card totaling around {$5500.00}. These transactions were made to a online store called XXXX  XXXX ( clothing ). I talked to the bank and they only gave me half of that amount back because they said there was nothing else they could do. I also contacted the online store and they told me that they could not give me any information on the purchases for privacy of the buyer.
Product: Payday loan, title loan, or personal loan

I am writing to file a formal complaint against Credit Karma , LLC and XXXX regarding the recent closure of my XXXX line of credit and their disregard of my notice for arbitration. I believe that both companies may have violated consumer protection laws, and I am seeking your assistance in addressing this issue. 

Here are the details of my complaint : Background : I had a XXXX  line of credit that I responsibly managed for one year, making on-time payments and demonstrating good financial behavior. 
After Credit Karma acquired XXXX, I received a notification informing me of the closure of my line of credit. However, the notification provided inadequate explanation for the closure, leaving me with unanswered questions. 

Notice for Arbitration Disregarded : In response to the closure of my account, I exercised my right to initiate arbitration proceedings by sending a notice for arbitration to Credit Karma , LLC as stated in their terms of use.Despite providing proper notice and following the required procedure, Credit Karma , LLC disregarded my notice for arbitration and failed to engage in the arbitration process. 

Negative Impact : The closure of my XXXX line of credit and Credit Karma 's refusal to address the matter through arbitration have had a significant negative impact on my financial well-being. As a result of the closure, my credit score has dropped by XXXX points, making it difficult for me to secure loans or obtain favorable credit terms. This adverse consequence has hindered my financial opportunities and caused undue financial hardship. 

Violations : I believe that Credit Karma , LLC  and XXXX XXXX have violated consumer protection laws, including but not limited to the Equal Credit Opportunity Act ( ECOA ) and the Consumer Financial Protection Act ( CFPA ). By disregarding my notice for arbitration, Credit Karma , LLC may have violated the terms of their own agreement and denied me the opportunity to seek a fair resolution through the appropriate legal process.
Product: Mortgage

They take my money in escrow and then I always have to call to get taxes paid, several phone calls this year and they still paid late which messes with my income tax, I asked for release of escrow and they said they cant cause I still have omitted which I requested be removed in 2022, they removed most of it but are still charging me even though XXXX at 73 % XXXX or less. So I want them to remove pmi all the way and release my escrow, I have great credit, never late and think its wrong if they take my money and interest and cant pay my bill on time so I would rather control it myself have had to call every year for last 12 years and this year they promised me it would be paid by XX/XX/XXXX even after I called XX/XX/XXXX and several times prior and didnt pay till XX/XX/XXXX now I lost that write off
Product: Mortgage

Cfpb complaint was filed on XX/XX/2022 in reference to an adverse decision. 

The cfpb closed this complaint after FIFTH THIRD BANK responded with an correspondence dated for XX/XX/2022 that stated they are " conducting research ''. 

FIFTH THIRD BANK also forwarded a 2nd letter to my home address dated for the exact same date of XX/XX/2022 which disclosed the same correspondence that was submitted to the CFPB with the last paragraph worded completely different. 

The initial issue of the original complaint has not been addressed or solved. FIFTH THIRD BANK has submitted two totally different responses in regards to my original complaint. One response was submitted to the CFPB and another response was forwarded to my home address that states a different outcome of my original complaint. 

The original complaint has not been addressed and FIFTH THIRD BANK has created two response letters that disclose two different actions/outcomes. 

Please help resolve the initial issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, as they are clearly in violation of the law. According to 15 USC 1681b, which pertains to the permissible purpose of consumer reports, the law explicitly states the following : ( a ) IN GENERAL : Any consumer reporting agency is allowed to furnish a consumer report only under the following circumstances and no others : ( XXXX  ) In accordance with the written instructions of the consumer to whom it relates. 

I want to bring to your attention that I did not provide any written instructions to Experian to include certain information on my credit report. Therefore, their actions are in direct contradiction to the law stated above. 

Additionally, as per the Fair Credit Reporting Act ( 15 USC 1681 ( 2 ) ( a ) ( i ) ), exclusions from a consumer credit report are clearly defined. The Act specifies that the term " consumer report '' does not include the following, except as provided in paragraph ( XXXX ) : ( A ) Subject to section 1681s-3 of this title, any report containing information solely as the transactions or experiences between the consumer and the person making the report. 

I request that Experian promptly updates the late payments on my consumer report, as their failure to do so is a violation of 15 USC 1681. Furthermore, I insist that they provide a free copy of my report after the necessary changes have been made. 
The accounts are XXXX XXXXL XXXX, XXXX Failure to respond satisfactorily to my complaint and to comply with the aforementioned requests will leave me no choice but to pursue legal actions against Experian. In such a case, I will seek {$1000.00} per violation for the following charges : Defamation of Character Negligent Enablement of Identity Fraud Violations of the Fair Debt Collections Practices Act ( 15 USC 1692g ) Violations of the Fair Credit Reporting Act ( 15 USC 1681 ) for willful noncompliance I appreciate your attention to this matter and kindly request that you investigate this complaint against Experian. I trust that the Consumer Financial Protection Bureau will take appropriate action to ensure the enforcement of consumer protection laws.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the hard inquiries listed on my Experian credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the aforementioned creditor on the date specified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the federal credit reporting act, this crederel has violated my rights under 15usc 2681 section 602 states that I have the right to privacy. 15usc 1666 section 604 A section 2 it also states that consumers reporting agencies can not furnished an account without my written instructions.Under 15usc 1666B, a credetal may not treat a payment on a credit card account under and open and consumers credit plan as late for any purpose.
Product: Debt collection

AFNI is reporting an {$80.00} bill I do not owe. The original company placed debt on my report for equipment in which XXXX did receive. XXXX acknowledged receiving the equipment and removed the debt. AFNI collection is inaccurately reporting a debt I do not owe. I never received verification or validation debt in writing when I requested it and disputed multiple times on my credit report. I researched on the FL Department of Finance website and AFNI is not listed as a licensed collection agency to do business in the state of FL as required.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$1100.00}
Product: Debt collection

I currently owe a small debt ( {$400.00} ) to Cypress Financial LLC.

I managed to reach out to them to pay off this debt at one point, but they refused to send me any sort of documentation for proof of debt/debt being paid. Instead, they insisted I simply " just send the money in ''. When I asked for some sort of written documentation they refused. 

Now I try to call them to pay off debt and again see if I can just get some documentation on the debt itself, and no one ever picks up nor returns my calls/emails. 

I'm fully willing and more than capable to pay off this debt, I just want it done with as it's doing harm to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, Ditech decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust Ditech. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to Ditech in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now Ditech is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of Ditech 's incompetence. Or are they just being vile? Ditech has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.
Product: Credit reporting, credit repair services, 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 this account 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 : ; listedaccount need to investigate and correct from erroneous reporting in my file are listed on my credit repor XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

1681 section 602 I have the right to privacy.

604 A section 2 Consumers agencies can not furnish an account without my written consent.

15 USC 166 B A creditor cant not treat a late payment.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ Name of opensky account number XXXX are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number XXXX XXXX XXXX 1974 XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 

I also sent a letter on XXXX which has a charge off account reporting balance due which is against the FCRA And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

Several fraudulent debt collection accounts are being reported on my transunion, XXXX and XXXX  credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.