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

I, XXXXXXXX XXXX XXXXXXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 

CITI CARD CBNA you have continually furnished a misleading, incorrect information to the credit reporting agencies this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation CITI CARD CBNA you are reporting a PAID account as Collection/Charge-off and from the definition of a Charge off account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. Furthermore from same Dictionary ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes.

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me XXXX. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit.

Remove reporting of the charge-off account from all consumer reporting agencies.

Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Product: Mortgage

Regions Bank holds the mortgage on my home. I applied to Regions Bank for a refinance loan. Regions put in in touch with a loan officer, XXXX XXXX XXXX. In my initial conversation, I disclosed to him which loan I wanted and our financial circumstances. Based upon this, Regions knew or had reason to know that I could not qualify under the requirements of the loan which I sought. This is the case despite the fact that we have excellent credit and financial resources. Today, over 90 % of loans are sold to XXXX XXXX or XXXX immediately after securitization. These two XXXX then issue securities guaranteed by the full faith and credit of the XXXX, either through securitization or as covered bonds. We fail to meet the income and debt ratios for the loan under XXXX XXXX XXXX guidelines. 
In this case, Regions was only prepared to make a loan conforming to these guidelines. I was informed of none of this. Instead of informing me of this by " prequalifying '' me for the loan based upon my verbal representations in relationship to the guidelines, Regions issued a full loan disclosure document. XXXX XXXX then asked me to submit detailed financial documentation to substantiate my representations which I did. Subsequently XXXX XXXX requested me to submit additional documents and had me increase the monthly distribution paid from our trusts and documentation confirming that this amount had been paid into our Regions ' checking account. The entire process took more than XXXX months and a significant amount of my time. 

Even at this point, no one bothered to inform me that based upon the documentation submitted I did not meet the underwriting requirements for the loan. Instead, I was asked to pay {$400.00}. for an appraisal to secure a loan that would never be made. Only after payment was made was the documentation submitted for a review by an underwriter who belatedly started the process leading to my being informed that I did not qualify. In short, Regions wrongfully caused me to spend {$400.00}. when either they knew or should have known that the loan would never be made. 
This is a wrongful consumer abuse. Apparently, the procedure described above enables Regions to make more loans with a lower overhead. Most banks have licensed mortgage brokers taking applications who will inform a customer right away if the customer fails to qualify for the loan under its specific underwriting requirements. I do not believe that the consumer should be stuck with the bill because Regions has changed the way this type of transaction is customarily handled without first disclosing this to the customer. Regions, at a minimum, should either conform its procedure to the customary way other lenders take loan applications or make prior written disclosure to a loan applicant that fees will be collected without prior prequalification of the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. State 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

My citicards credit card expired XX/XX/XXXX  but I did not check on why I did not receive a replacement until  XX/XX/XXXX  since I was unexpectedly  XXXX  during that time. I called the number on the back of the card,  XXXX , and asked and was told my account was closed. I gave them my new address and they said that they would send me a copy of the letter stating the reasons to my new address and that they could not tell me anything over the phone. I never received that letter and do not know why my credit card was cancelled. Their customer service is not helping me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to an inaccurate late payment reported on my credit card account with Bank of America for XX/XX/year>. I paid off my credit card balance in full and was not XXXX days late. However, a late payment was still reported to XXXX, despite my timely payment. When I noticed this error, I contacted Bank of America, and during a recorded phone call, the Bank of America representative confirmed that I made a payment and was not XXXX days late. The representative acknowledged this information, and I was led to believe that the late payment would be corrected. 

Following this, I submitted a dispute to XXXX regarding the inaccurate late payment. Unfortunately, Bank of America falsely verified the late payment as accurate, which has negatively impacted my XXXX XXXX. To add to the inconsistency, this late payment was removed from another credit bureau but remains on my XXXX report. This has caused unnecessary damage to my XXXX XXXX and created financial distress.
Product: Credit reporting or other personal consumer reports

While I'm searching my credit report, I discovered that XXXX has charged off this account and is showing the charge off on my credit record. This company never sent me a 1099-C form.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts XXXXXXXX XXXX
Product: Debt collection

I did not become aware of the debt until it was reported to the credit monitoring companies. The debt should have been paid by insurance. The debt of only {$280.00} took my credit score from over 800 to under 700. I have paid the physician and asked the collection company provide a deletion letter to recover my good credit score,  because the debt was resolved, however, the collection company claimed to have a company policy against sending deletion letters, and they refused. This is particularly damaging because I am in the process of buying a house. Their refusal to send a deletion letter due to a company policy will cost me {$3000.00} per year in increased interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/ RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 
Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXXXXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXXXXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


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

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX 2017 I attempted to purchase something on my XXXX XXXX Card issued by American Express. The value was {$2600.00} of the purchase. The purchase went through and a month later the same amount was refunded to me by the same vendor. I had a positive balance on my credit card I then had called into American Express to have refunded to me. The date that American Express claims they issued me a check to come in the mail was XXXX XXXX 2017. When I called to inquire as to the details of said check 's arrival, I was given no information other than it was sent on XXXX XXXX 2017. When I inquired to have a new check overnighted to me, they claimed they were unable to do that. I am without {$2600.00} of the amount that was refunded to me and would like for American Express to now respond to a CFPB complaint and inform them why it has taken so long to refund a customer 's money.
Product: Debt collection

Account was bought and sold to Spring Oaks Capital. I don't know who the debt originated with. Also I was told debt is charged off but it is still showing open on my credit report. And balance due. I would like account removed from my credit account ASAP.
Product: Debt collection

I was notified by all 3 credit bureaus that I owed a debt. I am not aware of any bills outstanding. I am considered as an indigent patient and is covered by Florida State Medicaid. Please remove all outstanding debt and refer to Florida State Medicaid laws or filing rules. I also did not give any permission for my information to be released to any third parties which is direct violation of the HIPPA law. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 




XX/XX/XXXX {$560.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1000.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the customer Financial Protection act ( CFPA ) .Specifically, Cash app failed to 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Hard Inquiry 15 U.S.C. 1681n Violation I am submitting a formal dispute regarding an unauthorized hard inquiry that appears on my credit report. The details are as follows : Inquiry by : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX  Date of Inquiry : XXXX XXXX, XXXX Inquiry by : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX  Date of inquiry : XX/XX/XXXX I did not authorize these inquiries, and as per the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), hard inquiries require explicit consent for permissible purposes. This unauthorized inquiry constitutes a violation of the FCRA.

Please remove these inquiries from my report immediately. Failure to remove this unauthorized inquiry may lead to further action under 15 U.S.C.1681n, which provides for civil liability in cases of willful noncompliance with the FCRA . 

I request a prompt investigation and removal of this inquiry. I would appreciate confirmation once the issue has been resolved. 

Thank you for your prompt attention. 

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

I requested the following : 1. An agreement between their agency and the original creditor showing that they are authorized to collect this debt in their behalf. 2.original agreement between the alleged debtor and the original creditor showing where they agreed to payment terms. 3.amount of commission paid to debt collector if debt collection is successful. 4.name and address of original creditor. 5.address on file for the alleged debtor. If these items can not be furnished with 30 days I request the item be removed from all credit bureaus, XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on credit report. 

1. XXXX XXXX 2. XXXX
Product: Credit card or prepaid card

I have a charge of XXXX out of XXXX for my card I was told they knew nothing and to call back on the XXXX. Apparently its a scam website that has stolen money from there gift cards in the pass. Its only XXXX but I will get a lawyer this money was a gift to my child. For them to know they had problems with this site there cards were compromised and they have no answer for there customers only to call back in a week. This company should b shut down if money is not safe in there bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to Equifax for continuously reporting fraudulent and questionable accounts. I sent out letter to the bureau but they take no action, the accounts that I reported to them still reflecting on my file. I sent out the letter last XX/XX/XXXX  and until they did not take action in correcting the accounts. I have attached also my FTC report number XXXX for the references of these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX  Laws Dear SBNASELFLNDR, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX  state laws pertaining to identity theft and consumer protection. 

It has unequivocally come to my attention that SBNASELFLNDR has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX ) criminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the XXXX XXXX XXXX XXXX ( XXXX XXXX ), which addresses unfair and deceptive business practices. 

I assert with unwavering certainty that I have not provided consent for SBNASELFLNDR to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws. 

I demand that SBNASELFLNDR immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXXXXXX XXXX XXXX XXXX. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including XXXX statutes on identity theft and consumer fraud. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SBNASELFLNDR will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover financial services are taking advantage of clients prequalify system to submit inquiries as there are inquiries in my report I did not authorize and therefore need to be removed from my report. The pre qualify check clearly says on their site it does not hurt the credit and they are submitting credit inquiries that are affecting my credit without my consent. Please remove inquiries nor authorized on XXXX and previous months
Product: Credit card or prepaid card

I was trying to pay my XXXX XXXX Store Credit Card bill this morning and I noticed a {$220.00} fee I did not make onto my account. The purchase was made on XX/XX/2018. I have not used my Credit Card in months and I need to know how my credit card was used.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it had been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.