23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Credit card

There were fraudulent charges made on this account US Bank between the year of XXXX. I reached out to US Bank regarding this matter and put in a fraud activity and every time I call them from years on in they never responded. They only transfer me from person to person that couldnt tell me anything.
Product: Debt collection

I sent you dated XX/XX/2020 I stated the following : I do not believe that I owe this debt or what you say I owe. I have never had any business dealings with your company or talked to anyone. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 

I received nothing but phone calls and letters to settle a debt I know nothing about.
Product: Bank account or service

According to the Fair Debt Collection Practices Act ( FDCPA ), a company is required to verify a debt using documentation held within the businesses or their affiliates. 

I would like Scottrade Bank to provide verification of any debt that Scottrade Bank or their affiliates allege that I owe. 

According to the, Fair Debt Collection Practices Act ( FDCPA ), Scottrade Bank and their affiliates are required to provide this information promptly.
Product: Checking or savings account

On XX/XX/23, I found out that my XXXX by Goldman Sachs XXXX account was locked, after attempting to transfer money out of XXXX to my account at another bank. Reached out to XXXX customer support, and they informed me that my phone number does not associate with my name ( a false statement, especially after I confirmed it with my XXXX ) and that they can not unlock my account without a signed mailed affidavit. This process alone would take over a month. 

After researching online, I found that many other XXXX by XXXX customers are experiencing the same difficulties with withdrawing their savings from XXXX. The prevalence of such issues makes me realize that the firm has been intentionally delaying cash withdrawals.
Product: Debt collection

I don't recall having a contractual relationship with this collection company caine & weiner company inc. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy.

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392. I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Money transfer, virtual currency, or money service

I have invested in XXXX XXXX through Coinbase and have been trying to withdraw the rest of my money for a month and cant. They keep telling me that the problem is with the crypto as opposed to coinbase, but does not offer a solution. They just say there is a problem and dont know when its going to be fixed. This should be ilegal. I just want to take my losses and be done with coinbase, but they cant help me.
Product: Credit reporting

wrong name on credit reort, containing a felony of burgulary by the name XXXX. my name is XXXX XXXX XXXX. this in return cost me a good job @ XXXX 2 weeks now @ {$18.00} an hour. please contact me asap XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, ohio XXXX also XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

see attached for full complaint Dear CFCB Team, I am writing to formally dispute a duplicate account listed on my credit report. Despite my multiple attempts to resolve this issue, the erroneous account remains. 

The account in question is listed as # XXXX XXXX XXXX XXXX, and it is a duplicate of another entry on my report. Enclosed are supporting documents that confirm this error. I kindly request that you review my file and remove the duplicate to ensure my credit report accurately reflects my credit history. 

I Have enclosed two forms of identification to prevent any further stall tactics. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Supporting Documentation ]
Product: Credit card or prepaid card

In XX/XX/XXXX, I was going to file a chapter XXXX Bankruptcy. On XX/XX/XXXX I realized a chapter XXXX BK was not good for me. On XX/XX/XXXX I notify Bank of America i would not be filing BK and ask did they have a hardship program? they said yes, but i had to work with their debit management company. The XXXX XXXX XXXX BOA referred me to was unable to assist me, because all my other creditor had already put my account in a hardship program with set monthly payments. The accounts was closed and no interest are being charge for the next 60 months. On XX/XX/XXXX, I called BOA again, stayed on the phone for approximately XXXX hours with collection requesting for a hardship program again. I provided all my financial assessment, to be inform i did not qualify/approved for the hardship program. On XX/XX/XXXX and XXXX, XXXX, I called BOA again requesting a settlement for the XXXX account ; i was informed no settlement offers on the accounts at this time. I would need to call back on XXXX and XX/XX/XXXX ; once the cycle closes for the accounts. Again the BOA did the financial assessment, stated i did not qualify/approved for the hardship program. At this time, the account has not been paid in 4 months, late fees ( {$38.00} ) are accruing and the interest rate have increased to the maximum amount. On XX/XX/XXXX, I paid one of the accounts off, because they refuse to do a settlement with me, but continue to charge the late fee and high interest rate on the BOA rewards card. I called back to bank and informed them I had reduced my debit by paying off a call loan and the BOA account, do i qualify for an Hardship program now? I was advised i do not, because the package can only be submitted once a month. I was not informed of that. I'm filing this compliant against BOA, because it appears BOA would rather have the balance increase with late fees and interest before they will help or charge the account off and submit to collection company. I communicate with BOA monthly to get some help. I have received not assistance from them at all. In XX/XX/XXXX the balance was approximately {$6000.00} and now the account is {$6600.00}. What BOA keep offering to me, to then not approve is an payment of {$130.00} a month, with an interest rate of 4 % ; still would charge {$38.00} late fee until the late payments are pain in full. At this time the total minimum payment due os {$1000.00}. I will never get ahead in paying this bill. in my opinion the credit practices are not to help the customer but to help the bank make additional money off the client who is having a financial hardship. I lost an income in XXXX, I have taken a loan out of my XXXX  and have done a hardship XXXX loan to maintain my debit, to be here now asking for help. Please contact me if you have any question please contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX... 


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.
Product: Debt collection

This amount was for bail and the person went back to jail so the bond should not have been called. There was not skipping of bail. The person the bond was written on did appear in court as per the agreement. Beyond that, it was not clear to me that I ever signed any of their paperwork as I live in another state and was not involved in the transaction. They claim to have my signature but I do not know how they would have gotten that. I tried to work with them but it is my feeling that bail bondsmen feel as they answer to no higher authority and could do whatever they please. The original amount of this debt was around $ XXXX and now they are adding interest at a completely undisclosed and unknown rate and date of inception and means of calculation. The whole thing is unnerving. No one ever has the same answer and no one knows what anyone else is doing there.
Product: Payday loan

I applied to Big Picture loans for a loan in the amount of {$400.00} plus a {$100.00} finance fee. After I received my money and made my first payment ( which was the finance charge ) I called to check the status of my balance and I was told it was still {$500.00}. I just made another payment of {$100.00} and was told that was a finance charge payment. They told me there are actually XXXX installment payments and I should try and pay more or pay the entire amount. This has me in a loop of trying to pay something off that charges me more than what I borrowed
Product: Vehicle loan or lease

My husband and I purchased a used XXXX XXXX XXXX in XX/XX/XXXX after we purchased it we started having a lot of issues with the vehicle in XXXX or XX/XX/XXXX I had pulled the car warrenty for towing I had noticed tbe milage was incorrect so I pulled all the paperwork and when we purchased the vehicle it had almost XXXX miles which I can prove on XX/XX/XXXX we took the car to get an oil change and looked at during that time the milage was recorded at just over XXXX miles on the warranty paperwork the dealership had XXXX and on gap and the contract they had XXXX so we lost over XXXX miles on our warrenty and lost on gap due to the depreciation value of the car, i informed the bank and was told by santander consumer usa that had they known the car had almost XXXX miles that wouldn't have financed it due to lemon laws and the car not being worth the value it was financed for. I did send the documents over to the Arizona Attorney General the dealership knowingly committed fraud to get a loan on a car they could not otherwise sell and get financing for if they did this to us who's to say they haven't done it before. The car company is Az car sales in XXXX az. I would like a full investigation and would like them to pay off our loan that they illegally obtained in order to sell this vehicle.
Product: Debt collection

PORTFOLIO RECOVERY XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ),. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification Portfolio Recovery and XXXX is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.
Product: Credit reporting

There 's XXXX accounts on my credit report both from the US Department of Education XXXX with a balance of {$3500.00} and the other {$0.00}. I do n't understand that being a victim of student loan fraud and my personal information was used for opening other lines of credit and taxes. I did not open these accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX card was never reported to credit bureas of any degoritory remarks on XXXX, XXXX, XX/XX/XXXX but on the attached proofs XXXX XXXX added a hidden charges and past due amount of {$29.00} from XXXX till XXXX which I never missed any payment. 

When I asked the XXXX  manager over the phone what the {$29.00}, was meant for he could not respond but said it was bank fee and I pointed it out to him that it would have been on all my statements from XX/XX/XXXX till date then I asked him why Is past due fee narration in XXXX, XXXX and XX/XX/XXXX. Because their past due fee is {$40.00} not {$29.00}. He dropped the call on me and later I found out my statements for XXXX till XX/XX/XXXX the deleted the {$29.00} and my balance never reduced but increased. But I have it downloaded in my file before the deleted not to have a trace to my unknown hidden charges. 
This was the hidden charges they were bringing forward every money and they reported degoritory remarks on my credit file. 

On XXXX XX/XX/XXXX I still went ahead and paid {$120.00} minimum payment the mailed to my address but they XXXX XXXX XXXX had refused to create the Statement of which they do balance brought forward of the hidden charges and put the XXXX degoritory remarks. These evidence would help the credit bureaus in their long awated investigation result being I can not file it online on their websites as they are investigating and blocked my access to uploading supporting evidences. XXXX reported to XXXX that my past due was {$72.00} and to transunion as {$2.00} and my credit report mailed to my address by XXXX in XXXX XX/XX/XXXX with confirmation number XXXX .stated my past due was $ XXXX paid above the minimum they credit bureas have on my credit file. 

Capital XXXX bank report to credit bureas does not show my actual payment amount I paid it month it is always blank .their minimum payment are less on credit reports but high on the copy they mail to me
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report and I'm puzzled as to why they're there. I routinely check my credit report, but this time, there were unexpected discrepancies. I even tried refreshing my browser to rule out a malfunction, but the unauthorized inquiries remained. Due to this issue, I request that the documents Ive sent be thoroughly reviewed so that I can have peace of mind.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 errors have been found when examining the credit report 's details, raising questions about the accuracy of the data because it reports differently on all bureaus. 
Under the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 
Account XXXX XXXX XXXX XXXXXXXX, Inaccurate account on my credit report. Provide verifiable proof or delete the record immediately. Account XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate account on my credit report. Provide verifiable proof or delete the record immediately. Account XXXX XXXX XXXX XXXX, Inaccurate account on my credit report. Provide verifiable proof or delete the record immediately. 
I looked at my TransUnion credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 I ( 5 ) they are suppose to do this ( 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 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 15 USC 1681s-2 they are supposed 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.