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

ON XXXX XXXX I sent certified mailed to XXXX it was a pre-arbitration letter it is now XXXX XXXX and I have not heard from them 60 days This means my demands should be in effect ASAP Please see attachments of the mailing details
Product: Debt collection

I have tried to get in contact with them a number er of times ... I was doing very good on paying it off then I lost my job, tried to reach out to them to left them no and received nothing. When I finally did I asked if I could get a resolution amount which I didn't receive. And then got documents that I'm getting garnished
Product: Debt collection

I cqalled to settle debt and was on hold for multiple hours not only did they change the amount with every call transfer ( Which is not proper busniess pratice ) I EVENTUALLY settled and paid debt off XX/XX/18. I'm in the process of purchasing a home in the escrow final stage process. I need proof of payment .I have recorded all my phone conversations with the company based on the horrble consumer reviews reported by others. By law I'm entilted to proof of payment within 7 days. I have contacted multiple law firms regarding this matter and have picked XXXX XXXX to represent me if this compalin is not resloved.
Product: Mortgage

This is in response to  XXXX  that I filed and  NFCU  responded. There was a second part that was not addressed, even with a follow up email.     Because of my financial situation my house nearly went to foreclosure a second time. I called to bring payments current a few days it was scheduled to go to the foreclosure attorneys. I was told I had to repay the arrears AND the fees to the attorneys for the foreclosure. I asked why I would need to pay attorney fees for it going to foreclosure when I was making payments prior to it going. I was told I had to pay the attorney fees because my mortgage met the criteria and had already been voted on to go to foreclosure. I could not make a payment for any amount unless I paid for attorney fees. I am not sure of the exact time frame this occurred. I know there was a huge storm on the   east   coast and my call was sent to a person in Florida to handle because no one was able to get to work where they normally take care of mortgage collections.     Honestly, I do n't expec t NFCU to handle this request any different than the other complaints I have submitted to the various organizations. NFCU has proven time and time again they are incapable of policing themselves and doing the right thing. It really is pathetic that NFCU  treats veterans the way they do, serious lack of integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, While checking my most recent report that your company maintains under my social security number, I noticed credit inquiries that I did not authorize, made by the following companies Inquiries : XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my report that your company maintains under my social security number. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Your Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
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 Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX 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, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX, has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : XXXX XXXX XXXX   Account # XXXX has one 30 days past due as of XX/XX/XXXX The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and XXXX XXXX keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

XXXX XXXX  The 30 day late reporting made by XXXX XXXX XXXX is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. XXXX XXXX XXXX has received payment in the month it reported me late.

What the attached proof of payment shows is that XXXX XXXX XXXX account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting XXXX XXXX XXXX  directly buXXXX XXXX XXXX  keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding EQUIFAX and XXXX  responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my file.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by XXXX as accurate. 
However, upon closer inspection, I have identified several inconsistencies that are grounds for deletion : Incorrect Information : The account status listed on my credit report by XXXX contains incorrect information. Specifically, the incorrect payment status. 
Inconsistent Across Credit Bureaus : The account status is inconsistent across the XXXX major credit bureaus ( XXXX, Equifax, and XXXX ). For instance : XXXX reports the account as paid as agreed. 
Equifax reports the account as paid. 
XXXX reports the account as paid 60 days past due. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel XXXX to delete the incorrect and inconsistent account from my credit report. 
The inaccuracies and inconsistencies in reporting are causing undue harm to my creditworthiness and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Debt Reporting Act. 

XXXX  XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my righs. 
XXXX XXXX account # XXXX has violated my rights XXXX XXXX account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights XXXX  XXXX  # XXXX has violated my rights 15 U.S, C 1682 Section 602 A. : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : Also states : A consumer reporting agency can not furnish a aaccount without my written instruction.. 

15 U.S.C 1692e Section 8 : updating without showing disputed.
Product: Checking or savings account

Twice I have closed my TD account this year. The first time, I was emailed and sent a letter that my checking account was closed only to find out that I had over {$35000.00} in the account. 

I recently closed it again, with another letter stating my account was closed. I also closed my Visa card. I recently moved and asked what was my total charges on the Visa card. I was told that it was around {$12000.00}. I paid the full amount due and cut up the credit card. 

I then find out from TD bank that I still had about {$23000.00} in my checking account and finally spoke with a specialist after I told them that I was filing this report if they did not wire my money into my XXXX XXXX in XXXX XXXX NJ. They wired {$16000.00} into the account the following day so I though that was that. It takes forever to get an associate on the phone and after waiting 1hour and 47 minutes on hold, I hung up. 

What prompted the call last night was an email I received that they are sending my XXXX car payment of {$1200.00} out tomorrow. That was my second notice on that. I tried calling four times and emailed them twice. I am now on hold again at XXXX for 22 minutes. 

This has been notorious behavior by TD bank in this area which is why they are closing at least 16 branches in the area. I had both a business account and a personal account with more that $ XXXX dollars in the two accounts. I couldn't even get {$10000.00} dollars out without waiting nearly a week, and I quote, " for the truck to come. '' Not only that I was told to call first because, and I quote agin, " you never know if the truck might break down. '' This is a known problem with many people I know as well as the constant line of people in the various branches around here. They closed the inside of a local branch on XXXX XXXX and an older man had walked to the bank to get some money out and he couldn't so I gave him money to get a taxi and at the same time another person asked if he could get to " gift cards '' because he couldn't get any of his money out either. 

XXXX XXXX
Product: Debt collection

First Source Advantage LLC 's representatives were repeatedly told between XX/XX/XXXX and XX/XX/XXXX of XXXX to stop calling me and to delete my information from their database when they refused to identify themselves before demanding personal information from me. Telling them to stop contacting me on XX/XX/XXXX should've been sufficient for them to cease calling and therefore they violated by FDCPA rights by calling after that date. On XX/XX/XXXX I was notified about a notice they sent to my old address AFTER they were told not to contact me. The notice states that they represent XXXX XXXX and this is false because they are debt buyers and not attorneys. Furthermore the notice demands that I pay them over {$3000.00} and does not have any supporting documentation that would verify I have an active or past debt with FirstSource Advantage LLC or XXXX XXXX. This is now the second incident where they have violated my FDCPA rights and attempted to collect money from me that is not owed to them because I have never had any sort of account, contract, or other agreement with them and had no knowledge of their existence before XX/XX/XXXX. I have had ongoing issues with identity theft since XXXX and believe that they purchased my information off of the Dark Web in an attempt to extort money out of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : INCORRECT NAME : XXXX XXXX PREVIOUS ADDRESS : 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: Money transfer, virtual currency, or money service

I am seeking your intervention and writing this complaint because I have not received a satisfactory resolution or explanation from CASHAPP. 

ISSUE : CASHAPP charges a {$.00} fee for each debit transaction I make from my bank account. My bank stated they are not charging the fee, but it is CASHAPP that is assessing this fee. I contacted CASHAPP to obtain an explanation. I spoke with a representative named, XXXX on XX/XX/2022. She stated that I would need to setup an account in order for her to assist me. I reported that my account is set up. She stated that to set up an account, I would have to request a cash card so she could verify my account. Why would I need a cash card when my CASHAPP account is tied to my bank account? I explained that I was having trouble understanding the nature of this request. Why would I have to set up an account and get a cash card in order to find out why I am being charged XXXX cents. I then asked to speak with a supervisor. XXXX stated that I would have to set up an account in order to speak to a supervisor. This is ridiculous, I am just trying to obtain an explanation as to why I am being charged XXXX cents when I send someone money. The CASHAPP site does not explain what would prompt a fee being charged. I have spoken to other people who have CASHAPP who send money and they do not have a cash card nor being charged XXXX cents. 

Your intervention in this matter would be greatly appreciated.
Product: Credit card or prepaid card

Capital One closed my Venture card that I had for about 2 months giving a very cryptic excuse. The card was wrongfully closed with no warning or explanation. Now, Capital One is REFUSING to refund my {$390.00} annual fee, or permit me to access the approximately {$1500.00} in rewards points ( cash value ) that I had in the account. In essence, Capital One has stolen the annual fee from me and my rewards points. I am an attorney, and if they refuse to return my stolen funds, I will gladly sue them in court, and I will ensure that they spend many thousands in attorneys ' fees defending this case, far in excess of the amount they stole from me.
Product: Debt collection

This company is reporting to all 3 major credit bureaus that I still owe a debt in connection with a payday loan. I satisfied and paid this debt on XX/XX/2018 through a law firm they hired to help collect the debt. When I speak to XXXX XXXX ( the company reporting the collection to XXXX, XXXX and XXXX ). They tell me they have not yet received " remittance '' from the law firm and refuse to report this accurately as paid in full. The law firm, XXXX XXXX, states they sent XXXX XXXXXXXX the proof of payment on XX/XX/2018 and that XXXX XXXXXXXX is the only one that can correct the reporting on my credit. 

I called XXXX XXXXXXXX today and was hung up on repeatedly and told they would not correct this reporting. I have filed disputes with all 3 credit bureaus and supplied the proof with documentation, but XXXX  XXXX has maintained this reporting to all 3.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. MONEY LION has never proved this debt belongs to me legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you
Product: Credit reporting or other personal consumer reports

I am writing this complaint to GLOBAL LENDING SERVICE about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified.My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I go by XXXX XXXX XXXX. My birthdate is XXXXThe FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received a notification of two hard inquiries from XXXX  - XXXX XXXX XXXX XXXX XXXX as well as one from XXXX. I've contacted both to report fraud and cancel the applications. Also all the appropriate steps were taken such as freezing my credit and creating identity theft alerts at all 3 credit bureaus. Equifax who XXXX XXXX and completed their dispute with the results that the inquiry was " factual. " XXXX was great about investigating and removing the inquiry almost immediately. I have high hopes for XXXX. 

Thank you so much! You guys rock for what you do!
Product: Debt collection

I am filing this complaint against Truist Bank for violating our binding arbitration agreement, misleading me about my eligibility for arbitration, and improperly obtaining a civil court judgment against me despite being contractually required to resolve disputes through arbitration. 

Arbitration Agreement Violations : I entered into an agreement with Truist Bank, which included a Mutual Arbitration Agreement requiring that any disputes be resolved through binding arbitration upon request by either party. 
Instead of complying with this agreement, Truist Bank filed a lawsuit against me in XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee ( Case No. XXXX ), without first offering me the opportunity to arbitrate. 
This directly violates the Federal Arbitration Act ( 9 U.S.C. 1-16 ), which mandates that courts must stay or dismiss cases when a valid arbitration agreement exists.

Deceptive and Misleading Conduct by Truist Banks Legal Representation : After Truist Bank initiated the lawsuit, I attempted to invoke my right to arbitration. However, Truist Banks attorney, XXXX XXXX XXXX, XXXX ( XXXX ), sent me a letter falsely stating that I was " not eligible '' for arbitration. 
This statement was untrue, as the court later acknowledged that I was, in fact, eligible for arbitration. 
This misrepresentation prevented me from exercising my contractual rights and led to an improper judgment against me. 
Improper Judgment and Unlawful Wage Garnishment : Because the case never should have been in civil court, the judgment obtained against me is void and unenforceable.

Despite this, Truist Bank has initiated wage garnishment based on this invalid judgment, causing me financial hardship. 
I have since filed a Motion to Set Aside the Judgment and a Motion to Stay Wage Garnishment due to the arbitration agreement violation, but I am already suffering harm from this improper legal action.
Product: Mortgage

I purchased a home in XX/XX/XXXX. During that process, I sent all required documentation via my lawyer in order to purchase the home and close out all previous loans. 
I started to refinance in XXXX of XXXX. At that time, I learned that 5/3 bank did not cancel the previous owner 's the HELOC and it is now blocking my refinance. All paperwork was submitted to the bank and I've now had to ask the original attorney to contact them to close it out. This is costing me money as I will not be able to refinance at the original rate or on the original timeline that i had planned.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report related to a XXXX account. 

Incident Date : [ Date you reviewed your credit report ] Original Account Amount : {$910.00} Account Number : XXXX ( omitted for privacy ) Actions Taken : Credit Report Review : I discovered inaccuracies, including discrepancies in dates and account status. 

Formal Dispute : On [ Date you sent the letter ], I sent a dispute letter to XXXX requesting verification of the account under the Fair Credit Reporting Act ( FCRA ), noting the information was inaccurate and unverifiable. 

Request for Deletion : I requested the account be removed from my credit report if they could not validate the debt, as required by the FCRA. 

As of now, I have not received a satisfactory response from XXXX. I seek the CFPB 's assistance in resolving this matter and ensuring accuracy in credit reporting.