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

I recieved my credit report from XXXX and i immediately noticed my name. Was correct and the body of the letter was addressed to someone else. After going over it more closely this person has filed chap. XXXX bankruptcy!!!! I was wondering why my score was so low. I notified everyone of those at credit reporting agency. And nothing. I would like to pursue legal action against these credit bureaus because they have made it where i have to pay cash for everything anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation has been going on for since XX/XX/XXXX we are now in XX/XX/XXXX. I have told Wells Fargo time and time again that someone used my information to apply for a student loan with Wells Fargo and I found out about it this year XX/XX/XXXX after opening my account with XXXX XXXX. Apparently, because the person who used my identity in applying for a loan also fraudulently used someone elses information as a co-signer, they put a negative record on my XXXX XXXX XXXX Report. ( I will attach the letter ) The loan application number appears as an account number but when I contact Wells Fargo they tell me it is the student loan application which is XXXX. I have filed a report at identitytheft.gov and provided them with the the report and case number XXXX ( I will upload that as well ).  Wells Fargo is telling me that that is not enough and i need file a police report with my local police department. Mind you this application was done online so that would be of no help at all. I have disputed with early warnings twice and Wells Fargo seems to keep deeming the information accurate so now I am contacting you guys CFPB to Ask Wells Fargo to either provide proof that this was me that applied for the student loan fraudulently or remove the negative record from my early warnings report immediately as I am being held accountable illegally. I will be taking further action against Wells Fargo if I am refused a response.
Product: Mortgage

Us Bank Mortgage Company gave me a Modification XX/XX/XXXX, My mortgage payment was {$900.00} and {$920.00}, XX/XX/XXXX my mortgage went up to {$1000.00} I fell behind in my mortgage payment and asked US bank for a Mortgage or repayment because I am only 4 months behind. Well after months of waiting I called Us Bank this morning and spoke with Loss Mitigation department, I was told I was denied for both repayment and Modification, I was well aware I did not qualify for Modification, I just ask for a repayment and was denied that also, the person I spoke with she my income was so low and I asked her what did they have on file, the amount they have on file was incorrect and they never asked me to verify if the amount they had in place was correct or not. I have been dealing with US Bank for XXXX now and I am sure they have records showing my income to more than what was on my file. Please look into this for me I truly do n't believe Us Bank Home Mortgage even have the title to my home.
Product: Credit reporting or other personal consumer reports

The deletion or suspension of accounts following a data breach and unauthorized inquiries aligns with FCRA Section S XXXXB, addressing the blockage of information arising from fraud or data breaches [ XXXX U.S.C. S XXXX XXXX ]. FCRA Section S XXXX, outlining permissible purposes of consumer reports [ XXXX U.S.C. XXXX XXXX b ], also applies in this context. I am writing to formally dispute accounts detailed in my consumer credit report, as referenced below, stemming from data breaches or fraud. I insist on concrete, verifiable evidence bearing my signature or electronic signature. This communication represents my personal request, necessitating thorough review. Such actions, taken without my authorization, infringe upon my consumer rights, as articulated in Fair Credit Reporting Act Section XXXX XXXXXXXXB [ XXXX U.S.C. XXXX XXXX XXXX ] and Fair Credit Reporting Act Section S XXXX XXXX XXXX U.S.C. XXXX XXXX b ]. My outreach to the involved companies has revealed that these actions were initiated without adequate validation or presentation of original evidence from any of the reporting entities. This discrepancy underscores the necessity of addressing the issue promptly and in accordance with the relevant regulations. Please See attached document
Product: Debt collection

I am writing to file a complaint against Audit Systems , Inc for violations of the Fair Debt Collection Practices Act. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  I made contact with the company Audit Systems , Inc, via incoming or returned outgoing phone calls. I've asked and demanded in every call for a letter or email to be sent to me about possible debt. This is a complaint regarding their failure to provide me with the required written validation of a debt they claim I owe.
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurate information as an eviction on my credit I never had an eviction nor do I owe this debt collector. Please remove this account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions.

15 u.s.c. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of complaint jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter in mail XX/XX/XXXX advising that my application for a Chase credit card was missing information. I reviewed my credit report as I did not apply for a new credit card. Notes that XX/XX/XXXX there was a credit check from XXXX and XX/XX/XXXX there was a credit check for XXXX. Looking for advise on how to protect myself from someone opening a credit card under my name/ credit, as just this credit check, lowered my score by XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Those dates are : 1. XX/XX/2017
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, KIc. ) XXXX XXXX XXXX XXXX XXXX customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 resolution requireitents 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, credit repair services, or other personal consumer reports

I am a XXXX  employee affected by XXXX XXXX XXXX. I spoke with the loss mitigation department and was granted an extension to XX/XX/2019 to make my loan payment. I had money to pay my credit card and line of credit which is the issue I made a XXXX payment XX/XX/2019 and was reported as late and delinquent to the creditors bureau in spite of them knowing I a XXXX  employee that was documented in the system. I have spoken to the bank and they said they would dispute it and correct this it has been 30 days and it still reflects delinquent on my credit file. This is a travesty that I have 4 accounts with this bank and they extended the loan but I told them I will pay the line if credit of XXXX dollars and they report me 30 60 90 days late when that is not accurate. I want the delinquent remark removed.
Product: Debt collection

I received a copy of my credit report and was amazed to see a {$10000.00} collection from a college I did not attend! I went to an orientation and considered attending XXXX XXXX XXXX in XX/XX/XXXX however I did not attend! I withdrew from all courses before the date that makes you financially responsible for tuition. However thousands of dollars have been put on my credit!
Product: Debt collection

Bank levy placed on my bank account on XX/XX/XXXX by XXXX XXXX XXXX I have disputed this account since XX/XX/XXXX requesting a copy of the credit application
Product: Credit reporting or other personal consumer reports

Upon checking of my credit report today, I noticed an unfamiliar inquiry on my report. I didn't authorize nor recognize it or consented to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXX and Equifax refuse to update me from being listed as late on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and Equifax jobs for them to shield my credit & prove my identity, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On Friday, XX/XX/XXXX, my brother called me stating that American Express had called him phishing for information, where i work, whats my work number. He told them he did n't know me after a long period of time. I called American Express two weeks ago to explain to them I would be out of work on XXXX XXXX  XXXX due to XXXX XXXX. They did n't want to help me although I have been a valued customer since XX/XX/XXXX. I have been making payments on my account but not what they want. 
If I do n't have the money to pay the bills in full or what they want what am I supposed to do? I pay what I can and that 's not good enough for them. 
If they have a problem with me, calling family members is not going to resolve this issue. 

I am getting in touch with the Attorney General 's office of Florida to report this abuse. 

Sincerely, XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against MIDLAND CREDIT for committing theft and threatening to take legal action they have no grounds to take pursuant to 15 USC 1692i ( b ) I never gave MIDLAND CREDIT permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I was also contacted by phone in which I requested to be put on the do not call list in which they threaten me with a lawsuit. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding to cease and desist of all illegal activity, communication, and collection activity of this and any alleged debts until MIDLAND CREDIT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND CREDIT continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND CREDIT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion pursuant to 18 USC 894, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed things on my credit report and XXXX  did not investigate these matters. I submitted the same disputed with CFPB and received a response that this was an error and will be removed. XXXX  has not yet removed this or any of the other items disputed that XXXX  has removed. They are not investigating these disputes accordingly. They are just responding that they are valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Experian To Whom It May Concern, I sent a letter to Experian dated XX/XX/XXXX disputing unauthorized inquiries as erroneous, and I have not received a response from them. They have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate these disputes. If they could not verify the information within 30 days, they should have deleted the disputed unauthorized inquiries from my report. 

I have frozen and suppressed All XXXX party information vendors since Summer XXXX, including XXXX XXXX, XXXX XXXX, XXXX, and XXXX  XXXX. EXPERIAN MUST VERIFY THESE UNAUTHORIZED INQUIRIES DIRECTLY WITH THE COMPANIES LISTED BELOW, NOT WITH 3RD PARTY DATA MINORS. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) 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. The following inquiries are unauthorized : FACTUAL XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX-XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  CARD Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX Attached you will find copies of my 3rd party vendor proof of suppression and the demand to comply package sent to Experian. 

Sincerely,
Product: Credit card or prepaid card

Upon discovering Visa 's prohibition related to convenience fees in a XXXX XXXX, I called Visa with a question to clarify. Visa transferred me to Capital One ( my issuer for the XXXX XXXX XXXX  ) and told me to ask for a " Visa payment coordinator. '' Capital One could not answer the question, could not identify their " Visa payment coordinator '' and told me to call Visa. Capital One further stated that I could " write a letter to corporate '' because my question was a " XXXX off '' and something " above their heads. '' The Visa Core Rules and Visa Product and Service Rules XXXX XXXX XXXX XXXXXXXX XXXX includes requirements for convenience fees, surcharges and for transaction receipt content. Visa requirements for convenience fees ( see Table XXXX on pages XXXX and XXXX ) of the aforementioned document states that convenience fees can not be charged if the XXXX operates XXXX in a XXXX XXXX. XXXX XXXX is defined on XXXX XXXX of the document as XXXX where the : XXXX ) cardholder is not present and 2 ) card is not present.

My question is straightforward : is it a correct interpretation of Visa 's XXXX XXXX that merchants who operate solely with an online presence ( no way to appear in person and present a card at point of sale ) can not charge convenience fees even if those merchants offer alternative payment methods such as mailing a check or using XXXX? Furthermore, what is the appropriate Visa dispute / chargeback code in instances where a convenience fee is charged in contravention of Visa 's requirements?
Product: Checking or savings account

VENMO FROZE MY ACCOUNT STATING THAT A SECURITY RISK OCCURRED RIGHT AFTER I FILED A XXXX. THIS IS ILLEGAL AND THEY NEED TO REINSTATE MY ACCOUNT!
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to OneMain Financial to see what we could do to work out to clear up my past payments. i was advised that I needed to make a XXXX payment for the current month ( XXXX ) and a full payment in XXXX ( paid XX/XX/2024 ). I received a call on the XXXX stating that I was still a month behind. When I advised that this wasn't what we we agreed upon and the calls were recorded it was stated that they would call me back. I received a call on XX/XX/2024 stating that I would either need to refinance my loan or pay another payment. When asked about the recordings, it was never acknowledged or they didn't want to discuss it.
Product: Debt collection

I recently had a notice for this company to contact me by mail for any correspondences because I hadn't received anything from them but the credit bureaus kept saying verified. How was this account ever verified when the address that they told me on XXXX was not my address nor has it ever been my address. I have not received any documents from LVNV. In my conversation with XXXX and supervisor ( I can not recall her name ) on XXXX the most recent conversation the representative dictated the WRONG address and said oh, that may be why you haven't received anything. I have disputed this account and the verification of this account with all the bureaus as well as with Resurgent ( LVNV ). I have NEVER received anything from them in regards to this account. 

When I asked the representative today what I could pay to settle this account because it was not my fault that I hadn't received anything she told me {$920.00} which I felt was unfair due to the fact that I was never notified of this account nor that they were going to place it on my credit file earlier. I feel this is unfair. 

In looking at my spam today after my knowledge of LVNV I found over 30 emails from XXXX XXXX in reference to LVNV dating from XXXX XXXX XXXX. How was I supposed to know about this account or any liabilities that I had from emails in a spam folder? 

How are these tactics above board? Why do I have to advocate so hard for myself when I am in the dark about this entire account that according to the representatives was sold to you in XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and TransUnion regarding their failure to conduct a thorough investigation and provide the necessary documentation related to the inaccurate XXXX XXXXXXXX XXXX accounts that appear on my credit report. Despite my repeated requests for a comprehensive outline of the investigation, including all documents, contracts, and contact information for the furnishers, I have received nothing from either bureau. 

Background I initially disputed the XXXX XXXXXXXX XXXX accounts ( Account Numbers : XXXX and XXXX ) in XX/XX/year> and followed up in XX/XX/year>, XX/XX/year>, and XX/XX/year>. My requests included : A detailed outline of the investigation process conducted by XXXX and TransUnion. 
Copies of all documents and contracts that were used to validate the accounts. 
Contact information for the furnisher with whom the bureaus communicated. 

Despite these requests, neither XXXX nor TransUnion has provided the documentation or proof required under the Fair Credit Reporting Act ( FCRA ). This failure to comply with the law has severely impacted my credit report and my ability to function as a consumer. 

Inaccurate Reporting and Discrepancies Additionally, I have identified a discrepancy in how these accounts were reported. XXXX incorrectly reported a XXXX late payment, while TransUnion reported a XXXX late payment. To my dismay, TransUnion later matched their report to Experians without providing any justification or documentation for this change. On what basis did TransUnion decide to align their report with Experians inaccurate data? This inconsistency is both unjust and damaging to my creditworthiness. 

Demands I am now making a very firm and direct demand for the following : 1. Immediate removal of the inaccurate XXXX XXXXXXXX XXXX accounts from my credit report by both XXXX and TransUnion. 
2. Compensation for the damages caused by the continued presence of these inaccurate accounts on my credit report, which has hindered my financial standing and ability to access credit. 
3. A detailed report from XXXX and TransUnion explaining how they validated the information, including all documents, contracts, and communication with the furnishers. If they can not provide this, the information must be removed immediately. 

Conclusion The handling of this situation by XXXX and TransUnion is unacceptable and violates the FCRA. I expect swift action from the CFPB to ensure that my rights are protected and that these inaccuracies are corrected without further delay. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Credit card

CapitalOne credit card for 21 years. Suddenly closed my account that was always paid on time. They claim to have sent an email but while chatting with the customer service folks and their manager could not find the information on my page. We worked together to try and find the information however even the manager could not find it. I could have remedied the issue had I known there was an issue and followthrough that was needed. I had XXXX rewards with a {$850.00} value that they will not honor or give the option to pay against a small balance I have on the card. Not ethical to keep my money earned over the 21 years I used this card.