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

I am respectfully filing a Retaliation and Discrimination Federal Complaint against Discover Bank XXXX XXXX XXXX  who has filed a Law Suit against me at the XXXX XXXX XXXX XXXX XXXX. Case XXXX XXXX. I personally attended the court hearing today at XXXX XXXX  at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was present as she was subbing in for XXXX  XXXX XXXX. XXXX XXXX said the next step is XXXX. Attorney XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX  was present via XXXX  and gave the name and number of the lawyer attending this case. The name is XXXX XXXX at XXXX. The firm requested me to remove the " Do Not Contact Number. '' I never implemented a " Do Not Call Number '' I have respectfully has stated to be contacted by email of my respectful preference. 
Discover Bank Credit Card debt total debit is {$8100.00}. I am respectfully requesting a Debt Validation and settlement between {$45.00} to {$50.00} a month as it's my affordability. 

Why is Discover Bank Credit Card forced a lawsuit against me and use their Law Firm to Retaliate and Discriminate against me, because of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? 
Discover Bank Credit Card Administration file a lawsuit against me, because I file various Federal Complaints with Consumer Finance Protection Bureau with Cases Submitted on XXXX XXXX with Cases # XXXX and # XXXX on XXXX XXXX. 
I am respectfully requesting this Retaliation and Discrimination Complaints against Discover Bank Credit Card be filed with US Department of Justice immediately.

Extreme Very Urgent Matters!

Notice : Discover Credit Card Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has sent me a recent email stating that he is conducting a investigation on the Debt issues and lawsuit. 
Respectfully, XXXX XXXX  investigations will be in the best Special Interest of Discover Credit Card Bank and not in my favor.

His email : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a XXXX XXXX gift card through their official business partner XXXX. On XX/XX/2022, my wife and I attempted to use that gift card to make a delivery order from the XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. Despite our instructions to the restaurant including our apartment number, the delivery driver briefly placed our order at the base of the stairs to our building ( we live on the third floor ), took a picture so he could claim he had delivered it, and then left. I went to the ground floor less than XXXX minutes after receiving the notification and the order was not anywhere around our building. My best guess is that he took it back to his car and left with our food immediately after taking the picture. I immediately called the XXXX XXXX location and they said they would refund the {$41.00} cost of the order within XXXX business days. They did not do so, and they have been incredibly unresponsive every time I've tried to reach their customer support over the last XXXX months. I also contacted XXXX, and they simply referred me to XXXX XXXX support since they apparently don't handle refunds. XXXX XXXX has offered me a gift card for {$25.00}, about 60 % of the value of the stolen order. I want to get all of my money back since I did not receive any part of the order. I currently have a XXXX complaint open against XXXX XXXX, but I want there to be some accountability for XXXX as well since they are complicit in this customer service runaround. Both companies are using deceptive tactics and jointly dodging responsibility for the atrocious service they are offering, as well as aiding each other in ripping off would-be customers.
Product: Credit card

Capital one closed my quicksilver account due to fraud that happened on there watch. My quicksilver account was closed for no reason of mine. I always made my payments. Ending in XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are extremely adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. I am demanding that if these accounts with inaccuracies be deleted. 
Here are the items I am asking you to verify as accurate : XXXX. XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX. XXXX  XXXX XXXX  ( Account # XXXX ) XXXX. XXXX  XXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) After your investigation is complete, please send me the results via mail. 
Thank you in advance, Best Regards,
Product: Mortgage

I am in the process of refinancing with another mortgage company. All my paper work is complete but they need XXXX documents from Seterus. The request was made XXXX XXXX. To date XXXX XXXX we still have not gotten the documents despite calls from lawyers etc. they are preventing me from closing. How can I get assistance? XXXXXXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

I did not make the inquiries below. I have informed Transunion these inquiries were fraudulent and I have listed them below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per original complaint XXXX, which I can no longer access because it was closed based on the " goodwill gesture '' of XXXX XXXX on XX/XX/, I was provided with the following statement ( See below & attachment ) : QUOTE : Therefore, as a goodwill gesture, we will be removing the repossession from your credit history and we are working to eliminate the remaining balance of the loan. You can consider this letter as evidence that there is no longer a deficiency balance and your loan is considered paid in full. We hope that in the future, should a similar situation present itself, you would speak with members of our collections and/or customer service teams to keep us informed of your situation and allow us the opportunity to work through the challenges and avoid repossession altogether. Sincerely, XXXX XXXX XXXX XXXX XXXX MONETARY RELIEF AMOUNT {$3300.00} Instead, the debt was reported AGAIN after this as a repossession at the close of that month dropping my credit score again. After nearly 3 months with no intervention on the company 's part, I submitted a dispute with credit agencies using this document provided by XXXX XXXX as " evidence '' for removal from my credit report. Instead of the result of the dispute being a removal, XXXX 's response, despite furnishing the credit agencies with this document from the XXXX XXXX XXXXXXXX, XXXX XXXX as it was presented in the original complaint through the Consumer Financial Protection Bureau, was to immediately report the debt TWICE in ONE WEEK as DELINQUENT ACCOUNT, DEROGATORY, COLLECTION/CHARGE OFF, amount owing ( TWO different amounts on TWO different days - See attached ), which dropped my credit score with TransUnion ANOTHER XXXX points!! XXXX is showing recent delinquent reporting from XXXX ( see attached ) - actual score will be updated within a week. XXXX Dispute is currently still pending. I shudder to think what the end result of that will be. 

There are hardly words.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unauthorized Inquiry XXXX XXXX  XXXX I am writing to dispute an unauthorized credit inquiry that has appeared on my credit report. This inquiry was not authorized by me, and it violates my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Unauthorized Inquiry Creditor/Requester : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Type : Hard Inquiry This inquiry was made without my explicit consent, in violation of the FCRAs permissible purposes for accessing a consumers credit file.

Violations of Federal Law Fair Credit Reporting Act ( FCRA ) : 1. Section 604 ( a ) ( 15 U.S.C. 1681b ) This section stipulates that credit inquiries can only be made for permissible purposes, such as with the explicit consent of the consumer. I did not authorize this inquiry, and no permissible purpose exists.

2. Section 611 ( a ) ( 15 U.S.C. 1681i ) Under this section, credit reporting agencies are required to investigate disputed items within 30 days.

3. Section 623 ( a ) ( 1 ) ( B ) ( 15 U.S.C. 1681s-2 ) Data furnishers, such as XXXX, must ensure that information they provide to credit bureaus is accurate and verifiable. An unauthorized inquiry does not meet these requirements. 
Fair Debt Collection Practices Act ( FDCPA ) : 1. Section 805 ( b ) ( 15 U.S.C. 1692c ( b ) ) If this inquiry was conducted in connection with a debt, it would constitute an unauthorized communication with a third party ( the credit bureau ) about a debt that has not been validated.

2. Section 808 ( 6 ) ( 15 U.S.C. 1692f ) Unauthorized inquiries may also constitute an unfair or unconscionable means of collecting a debt.

Requested Actions In light of these violations, I formally demand the following actions : 1. Immediate removal of the unauthorized inquiry from my credit report.

2. Written confirmation that this inquiry has been removed.

3. An updated copy of my credit report reflec
ting the correction.

Failure to address this dispute within the required 30-day period under the FCRA will result in legal action.

Evidence Supporting My Claim I have enclo
sed the following documents to support my dispute : 1. A copy of my credit report with the unauthorized inquiry clearly highlighted.

2. A copy of my government-issued identification and proof of address for verification purposes.

Legal Notice If this dispute is not resolved promptly, I reserve the right to pursue legal action under : FCRA Section 616 ( 15 U.S.C. 1681n ) for willful noncompliance, which provides for statutory damages, actual damages, and attorneys fees.

FCRA Section 617 ( 15 U.S.C. 1681o ) for negligent noncompliance.

FDCPA Section 813 ( 15 U.S.C. 1692k ) for damages arising from violations of my rights under the Act. 

Conclusion I trust that XXXX and Experian will take this matter seriously and act in compliance with federal law. I expect written confirmation of the resolution of this dispute within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Cfpb complaint inaccurate information In pursuant to 15 U.S.Code 1681 this is a violation of my consumer privacy rights. I am listing the account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate opening dates, inaccurate reporting dates and inaccurate credit limits. 

XXXX XXXX
Product: Debt collection

I hate this! I already spent a lot of months sending disputes and filing complaint but I don't see any results from my disputes. This is really hurting me and giving stress to me.
Product: Credit reporting or other personal consumer reports

In response to XXXX  and addressing XXXX EQUIFAX and any other consumer reporting agency. Ive received correspondence from XXXX, expressing adverse accounts. Ive previously expressed to the reporting agencies a request to opt out and stop selling my information as it violates several FCRA laws. Attached is a 609 letter, requesting all adverse accounts be updated and reported properly.

Also a ton of inquiries I did not give permission to. Please remove all negative accounts affecting my FICO score. Also please remove all addresses that are not my main residence. XXXX XXXX XXXX XXXX XXXX GA XXXX. Also, remove all misspellings of my name. It is XXXX XXXX XXXX, not All these names listed on the report. 
Attached is my Drivers license as well. 
Id greatly appreciate these efforts to be executed within ten days, as its been over a month since Ive sent the letters via certified mail. Please see attachment.

Thx
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to adversely affect my credit history, causing me significant distress and financial harm. 

I first identified the fraudulent items on my credit report. Since then, I have consistently reported this issue to your agency and provided extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. 

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. This delay in addressing the issue has had severe repercussions on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. 

An extensive investigation into the origins and validity of these accounts, which I believe to be the result of identity theft.

Immediate removal of these fraudulent items from my credit report.

An explanation for the protracted delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

I have not applied for credit at multiple institutions that are stated on my credit report as a hard credit inquiry.
Product: Checking or savings account

This is an issue with missing funds while transferring funds from American Express High Yield Savings account to American Express rewards checking account. 

1. On XX/XX/year>, I transferred {$9800.00} from amex HYSA to amex rewards checking. The mobile app said that the funds would arrive instantly. 
2. Funds were debited but not credited to checking account. 
3. On contacting checking account customer service on XX/XX/XXXX, I was told that they do not have an incoming transfer and I should contact the savings account customer service.

4. I called Amex HYSA customer service on XX/XX/XXXX and was told that the transfer has been sent and it is unusual for the funds to not be credited. They gave me a transaction trace number and asked me to call again during business hours next day. 
5. On XX/XX/XXXX, I called American Express checking and they again said there was no problem on checking side and transferred me to Savings customer service. After getting bounced around, eventually the checking back office and savings back office had a phone conference and the customer service agent updated me that the credit was processed as a debit on the checking account side and that is why it was not credited. They said that this was a fault on their end and they need to figure out what they can do and that someone will call me back with an update by close of business on XXXX XXXX XXXX  I got a call on XX/XX/XXXX from someone from the back office ( unsure whether they were from checking or savings ) and they said that the funds were routed back to the savings account and I will receive them latest by XXXX  end of business day. 
7. I did not receive my funds back by XXXX  end of business. I called customer service and they said they need to escalate it to the back office and it can only be looked into on the next business day on XXXX  XX/XX/XXXX when the back office is open. 

It has been 4+ days and my funds are still missing when they claim that the transfer will arrive instantly. Their two banking wings don't talk to each other and keep bouncing me back and forth - I can't believe what I have to go through for a simple bank transfer. All this while I do not have access to my funds and nobody is reimbursing me for the lost interest. 

At this point, I don't even know when I will see my funds again. This bank should not be allowed to sell these products that don't even have basic reliability of processing fund credit correctly. How can it be called a checking account?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX - CARD SERVICE Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX account # XXXX or account # XXXX has been paid-in-full. XXXX XXXX was contacted directly on XX/XX/XXXX and again on XX/XX/XXXX. It is not " Derogatory '' or in a " Payment Plan ''. It should be listed as " closed ''.
Product: Mortgage

XXXX XXXX XXXX XXXX Bank of America Loan # XXXX When Bank of America was the servicer that told me untrue and incorrect information and then later tried to take my home. This has caused me to lose the 2 % HAMP modification that I previously had. See attachment for details. 
Bank of America clearly misled me.
Product: Credit reporting or other personal consumer reports

This complaint involves XXXX, XXXX and Experian. I have attempted many times to correct inaccurate information and each agency refuses to do so without providing me any documentation to justify their position as required. The two most egregious inaccuracies of late involve XXXX XXXX XXXX XXXX XXXX XXXX reporting to these agencies without noticing me that they are doing so and providing me an opportunity to opt out of reporting as required, nor do the credit agencies provide me with the information sent to them to justify their reporting. Both of the aforementioned accounts listed by XXXX XXXX XXXX XXXX XXXX XXXXXXXX are listed as charged off on my credit report. According to the IRS, this would constitute income for me yet I have not received any 1099 's from these banks because in reality, they are outstanding securities that belong to me and are owed to me. Income is not allowed to be reported on any credit reports, so this is a major violation going back at least XXXX years for each bank. That would be {$150000.00} in fines for each bank for reporting those accounts alone, not to mention the pain and suffering I have endured waiting for these banks to follow their own regulations and the laws they must adhere to. I require the CFPB to follow the regulations and codes established by the CFPB to protect consumers, me in this instance, and do the following : Have these inaccuracies corrected on all three credit reports and listed as paid as agreed and paid in full AND send me the fines I am due for their continued violation of my protected consumer rights AND return my securities to me that they have been using and profiting from with interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found grave errors that your company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. Your inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) Here the accounts youre reporting with a late payment or missed payment XXXX  : Open date XX/XX/XXXX Allegedly late payment 1 XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Pursuant of 15 U.S.C 1666b : 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. 
Furthermore I never gave you ( Insert consumer reporting agency ) or ( XXXX XXXX ) any written instructions or consent to furnish any information on my consumer report, this is a violation of 15U.S.C 1681b.

Your company will be civilly liable for negligent non compliance pursuant 15 U.S.C 1681o ( 1 ) any actual damages sustained by the consumer as a result of the failure : Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter.