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

I applied for a BofA credit card on XX/XX/XXXX and got a hard inquiry on XXXX and one on XXXX. I got a letter dated XX/XX/XXXX telling me I would have to call BofA in the next 30 days to verify some information or else my application would be cancelled. And so the next week I called, verified some information, and then got approved. The only problem is that BofA made another hard inquiry on my XXXX credit report. Now I have two hard inquiries on my XXXX credit report for the same credit card application. I tried filing a dispute with XXXX, but they're not abiding by the FCRA and told me that I would have to contact the furnisher directly because XXXX 's records are already accurate based on the information the furnisher provided ( which negates the purpose of a reinvestigation and their role in forwarding my dispute to the furnisher ). And so I initiated my first dispute through the phone with BofA and I received a letter dated XX/XX/XXXX explaining that I would need to provide more information via mail. So I sent a letter describing the nature of my dispute and received a letter dated XX/XX/XXXX explaining that I was not clear enough and would need to send another dispute with better clarity. And so I did and received a letter dated XX/XX/XXXX explaining that BofA found the hard inquiry made on XX/XX/XXXX to be accurate. I called BofA in disbelief and they told me that they have a 30-day window before needing to hard pull my credit report again, which I missed by two days. I asked why it couldn't be a soft inquiry and they said it doesn't provide the same information, when in reality it does. I then asked why they took so long in sending me the letter that tells me to call them within 30 days ( which didn't match the 30 days before a new hard inquiry would be made ) and they said they've tried contacting me through other methods, which is not the case. The letter that told me to call them within 30 days only gave me a week after receiving it to avoid a second hard inquiry. I at no point started a second credit card application and these two hard inquiries are for the same credit card application.
Product: Debt collection

About 3 months ago I started receiving text messages about a debt that was owed for an installment balance from a company called UPLIFT. I completed payments on an installment account back in XXXX of XXXX. I had not heard anything from this company since my last payment in XXXX. In XXXX of XXXX, I began getting text messages from a XXXXXXXX XXXX from a Solutions Specialist named XXXX. I had never received a text from a debt collector, so I brushed it off as SPAM. The first email I received was XX/XX/XXXX, which I replied to XXXX and asked her what this debt collection was regarding, this representative did not reply. I got another email in XXXX of XXXX and followed the link to which it showed there was a balance from UPLIFT although this account was paid in full in XXXX of XXXX. I have my XXXX and my XXXX report that both verify the amount and payment was complete in XXXX of XXXX but XXXX says it was transferred in XXXX. At this point it is illegal to sell my information and report inaccuracies after the account was paid in full. This account was not charged off and should not have been sold without the company first reaching out to verify any additional payments. I sent a request to Uplift in XX/XX/XXXX asking for information and was told I no longer had an account with them so they could not help me. Uplift has illegally sold my information on an unverified account. This creditor has illegally reaged my account from XXXX. I have disputed this information and sent emails to both companies as this sell of information was illegal and not within limitations of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Intellicorp ran a background check for the XXXX to renew my credentials. On the report an address was listed as belonging to my history and it is incorrect. I never lived there or used that address. 

Address in question is : XXXX XXXX XXXX, XXXX, FL XXXX Please have this removed from my history. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters and complaints to XXXX XXXX XXXX XXXX  and the credit agencies with regards to an account that was opened XX/XX/2017 with a balance of {$6600.00}. This account is opened and is reporting as a result of identity theft. Please assist me in getting this account removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # # # # # XXXX, has violated my rights. 

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 Double Reporting Inaccurate collections
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing on my credit report as charged off and is reporting every month that the account is still charged off, However i filed bankruptcy XXXX XXXX and included the company. There response was the account had charged off before i filed bankruptcy, but I did include them and the collection agency that it was sent to. They should have reported the account past due and then reported charge off for two months until i filed bankruptcy and then they should have reported the account as XXXX and stop reporting charge off every month as they are also trying to collect on that balance that was included in my bankruptcy. This has charged me higher rates on current auto loans and also denied me for other ones due to them reporting the account as still being negative. They have refused to fix the reported information on my credit. I have contacted an attorney out of XXXX that has told me to take all these steps so when we go to court i can prove that I tried every possible step to take to fix this issue. I also filed a XXXX, There reply was that the account was charged off before bankruptcy BUT the account was included in my bankruptcy charged off or not. This is my final attempt to resolve this before a lawsuit is filed for unfair reporting, and collecting on an account that was included in my bankruptcy
Product: Credit card

I disputed a fraudulent transaction made by XXXX XXXX XXXX XXXX  for the USD XXXX purchase made on XX/XX/XXXX. The bank did not give me the option to appeal the wrongful response given by the Company. I have only very burdensome means to appeal and can not open the dispute against the Company.
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 and list of Inquiries.

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: Debt collection

Good Afternoon ; i'm actually really shocked due to the repeated phone calls, used abusive language about an alleged XXXX debt for {$930.00} that i don't recall ever owning or had any prior relationship with XXXX nor CCS collection agency. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cash App, XXXX ( NMLS # XXXX ) - Data Breach Incident Dear CFPB, I am writing to inform you that I am a victim of the data breach incident involving Cash App , IncXXXX  As a customer, I provided personal and financial information, including my address, social security number, and bank account number. 

The data breach has caused me significant concern and potential financial harm. I request that you take action to ensure Cash App, Inc. implements adequate measures to protect consumer data and provides affected customers with necessary support and compensation. 

I have been a Cash App customer since [ XXXX ] and have experienced [ briefly describe any issues or concerns ]. I have attached supporting documents, including [ list attached documents ]. 

Please acknowledge receipt of this letter and inform me of any further actions I need to take. I appreciate your attention to this matter, and I look forward to hearing from you soon. 

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

I had an unpaid medical bill of {$1400.00} through XXXX XXXX XXXX. It went to collections with CMRE Financial Services in XX/XX/XX/XX/XXXX I made payments to CMRE Financial until the balance was paid. CMRE Financial had agreed to delete the account with all three credit bureaus upon payment. The balance is {$0.00} and it is still listed under collections on my credit. I called CMRE Financial requesting it be removed off my credit. CMRE Financial stated they will not delete it, they can only update as paid in full. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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: Mortgage

I wish to raise an official complaint in respect of treatment of Suntrust mortgage account on the basis that I do not believe that I have been treated fairly. 

I was told by seller I will have {$16000.00} incentives for the closing. My closing due day is on XX/XX/19. The most current closing disclosure I received from suntrust was on XX/XX/19. I was agreed on all numbers, based on that closing disclosure. Until XX/XX/19, the Suntrust sent me a email, and that email stated there was an error on my final closing disclosure. Also I will not getting a full amount of {$16000.00}, because based on their explanation that FHA credits for state transfer tax ( {$1100.00} ) it is apart of that {$16000.00}. It was conflicted when the seller told me at beginning. Which I should get a a FHA credits from seller by the MD state Law, and with a full {$16000.00} seller incentives additional on top of that. 
I have been misleading by Suntrust and the seller ( XXXX ),  and do not believe they meet the Financial Conduct Authority principles of needing to be clear, fair and not misleading. 
I have attached with original final closing disclosure on XX/XX/19.
Product: Debt collection

This is now the second time submitting a complaint against this company ARS Prior complaint XXXX STATUS Submitted to the CFPB on XX/XX/2017 PRODUCT Debt collection ISSUE Written notification about debt We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT There is a collection listed which is outdated, false and not verifiable which is ARC for XXXX
Product: Debt collection

I request documentation from American Profit Recovery and did not receive the requested documentation. I have received calls and messages from various numbers using threatening language such as We are attempting to deliver legal documents that may lead to arrest or civil suit... 

This alleged debt was not validated with the proper documentation and should be removed from my consumer reports immediately.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to investigate and resolve inaccuracies on my credit report, as well as for failing to address incorrect personal information listed in my file. 
On XX/XX/2024, I mailed a dispute letter to Experian via USPS certified mail tracking # XXXX, requesting an investigation into inaccurate items on my credit report. To facilitate the verification of my identity and address, I included copies of my photo ID, Social Security card, and a recent bank statement with my current address. 
In response, I received a letter from Experian dated XX/XX/2024, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
This response is unacceptable and appears to violate my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, when a consumer disputes the completeness or accuracy of any item of information in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
Experian 's failure to conduct a reasonable investigation, despite receiving proper verification documents and a clear request, constitutes a violation of its statutory obligations under the FCRA. 
I am including a copy of my dispute letter sent to Experian, USPS certified mail proof of delivery, along with Experians response as proof.
Product: Credit card or prepaid card

XX/XX/23 : received email from Avenue.com that my return was received and refund would be credited to my Avenue credit card ( Comenity Bank ) within 5-7 days. 

date unsure, but before XX/XX/23 : contacted Avenue.com because my refund was not showing on my CC statement and was directed to Comenity customer service XX/XX/23 : sent secure message through Comenity site that my refund was not showing on the card. Included this information : Refund initiation date : XXXX XXXX Reference Number : XXXX Order number : XXXX Grand Total {$120.00} XX/XX/23 : secure message reply received on Comenity site that XXXX XXXX would submit dispute on my behalf XX/XX/23 : received letter via USPS mail that Comenity could not verify a return made on my account despite providing them with reference details. I sent secure message via Comenity site asking for an email address to send copy of return receipt. Could not upload any files through the site as there was a " system error '' ( which is still happening today, XX/XX/23 ). 

XX/XX/23 : placed phone call to Comenity and the automated system does not allow you to speak to anyone about disputes or even select that option. Spoke to someone in a different department and they referred me back to Avenue.com. 

XX/XX/23 : received reply via secure message with instructions of how to upload attachments -- which doesn't work due to the system error. Also told there is no email address and I have to mail in my evidence. 

XX/XX/23 : spoke with Avenue.com customer service rep XXXX via chat. She confirmed that there is a return on my Avenue account and asked for my credit card statement to prove it didn't get credited to my CC account. Sent evidence via email. XXXX said she would escalate my issue and contact me via email with a response, within 3-5 days. 

XX/XX/23 : No update received as of yet, even though it's been more than 5 days. Spoke with Avenue.com customer service rep XXXX who was able to see my previous chat history. XXXX explained that my issue had been escalated and that the team is in XXXX, so that's why there is a delay in how long they take to respond. That makes no sense.
Product: Credit reporting

VA overpaid XXXX compensation after notification to stop payments, while I was XXXX. VA refused to accept spousal intervention to stop collection, and reported a unpaid debt to credit agencies. This is a violation of Federal Law ( Soldiers and Sailors Relief Act ) to incorrectly start a negative report and payroll recoupment while service member is XXXX. Credit Reporting agency is not be allowed to accept inaccurate reports without verification, just because it is from the Federal Government.
Product: Checking or savings account

On XX/XX/2023 there was a letter sent via Certified mail and Accepted by Bank of America. The letter clearly stated that there was a revocation of security interest on deposit accounts that I have with Bank of America. On XX/XX/2023 Bank of America Unlawfully took funds in the amount of {$6400.00} from My business ( XXXX XXXX XXXX ) Deposit account despite acknowledging their security interest on all deposit accounts was revoked. This unlawful practice is unacceptable and needs to be corrected as soon as possible. My Promissory note for the credit cards issued by Bank of America is a security and Bank of America is committing securities fraud by not registering them with the SEC. 

Also, as the investor, I am deeply concerned about the failure to honor my monthly redemptions from the debt securities issued. Additionally, the closure of my cards, which I do not agree with, compounds my dissatisfaction. 

Your unlawful acts will be addressed with the SEC and a complaint will be filed along with an investigation to be initiated. 
Return the {$6400.00} to my account right away and do not ever take it upon yourself to take funds out of my account unlawfully again. Your security interest was revoked!
Product: Credit card

My Comenity Bealls credit card has a payment due date on the XXXX of the month. I always pay the statement balance on the XXXX. On XX/XX/XXXX I paid my statement balance of {$43.00} at XXXX  XXXX. When I received my XXXX statement I had been charged a {$27.00} late fee. I immediately called Comenity to ask why. I was told that the payment had to be made on the XXXX by XXXX. I responded that the payment was made on the XXXX when it was due and it's not anywhere where the due date is located that it has to be made by XXXX. Well, she hung up on me so I called back the next day and got the same answer from a different person who told me that on the back of the statement in tiny print that phone payments must be made by XXXX. I wrote a letter of dispute to Comenity and mailed out my XXXX payment of the new balance of {$49.00} minus the late fee of {$27.00} on XX/XX/year>. On XX/XX/XXXX I received a reply from Comenity stating that I will be receiving billing statements until the balance is paid in full and at my request closed the account and also reported me to the 4 different credit bureaus. Seeing that the XXXX is my payment due date, I reluctantly went to the Bealls store in person to pay my {$27.00} late fee. The tiny print on the back of the statement states that you can pay your bill on your due date at the store until it closes. If I had made a phone payment I would have been charged another late fee and more than likely interest.
Product: Credit reporting or other personal consumer reports

I have fraud charges on my credit report I investigated them even made reports about them and they still did not remove did not get info on to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I asked a company how they got my personal information and they told me Experian sold my information to them even though I completed a 5 year opt-out form in XX/XX/XXXX. I also completed a permanent opt-out form at the beginning of XX/XX/XXXX. After I heard Experian was selling my information, I completed another opt-out form in XX/XX/XXXX and sent a copy to Experian with a certified letter. I completed three ( 3 ) opt-out forms from XX/XX/XXXX-XX/XX/XXXX and they are still selling my information. In the certified letter I sent them I informed them again that they should not be giving out and/or selling my information to anyone since I am supposed to be on the opt-out lists. In addition to sending the opt-out form to Experian, I also made it very clear in my certified letter that I wanted my name, address, and social security on their permanent opt-out list. In XX/XX/XXXX I asked another company how they got my information and they told me Experian sold them my personal information even though I have already completed three ( 3 ) opt-out forms. I received my Experian credit report in XX/XX/XXXX and they still do not have my credit file marked as " opt-out '' and they are still selling my information which violates my rights under the FCRA. I want Experian to mark my credit file as " Opt-Out '' and I do not want them giving out and/or selling my information to anyone.