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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX { Date } XX/XX/XXXX RE : Investigation Request to Delete closed accounts. 

To whom it may concern, In accordance with 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 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 #, along with original contract with legally binding signature. 
Closed accounts on my credit reports are inaccurate and not reflecting accurate information throughout each bureau. I request complete deletion immediately. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. { XXXX XXXX XXXX XXXX  } { ac # XXXX } { Reason for Dispute : Grantor closed my account unlawfully after i requested late payment removed due to improper reporting and inaccurate information thus my reinvestigation request which was violated and never answered. instead creditor/grantor closed account with no notice. this constitutes fcra violation. This closure will affect my credit rating, worthiness and reflects inaccurate negative status. i will be pursuing legal action for punitive damages and improper procedure as per fcra law } { this account was closed by grantor and still reflects as open, i request immediate deletion } 2. { XXXX } { ac # XXXX } { Reason for Dispute : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. Remove from my credit reports immediately } 3. { XXXX XXXX XXXX } { ac # XXXX } { opened : XX/XX/XXXX } { Reason for Dispute : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. Remove from my credit reports immediately } Lastly, please remove all non-account holding inquiries over 30 days old from my credit file. 

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results including deletions of these accounts and inquiries off of my reports Truly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Equifax to correct the account status on two accounts on 4 separate occasions over the past 6 months. They have refused to respond, I have not even received a letter stating an investigation was in process. The accounts listed below have been paid. This is in violation with FCRA, if a debt is paid regardless if it was settlement paid in full or paid in full, it must not report " DEROGATORY '' attached are copies of letters Ive sent and both accounts that are being affected.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred USDT to my Binance account. I have confirmed that it was in fact received by them, but Binance has stated that it is going to indefinitely withhold the funds due to a technical error on their end. From their customer support : " Your money is basically stuck in limbo until Binance.US supports USDT-Polygon. If/when we support USDT-Polygon we will be able to recover your funds and deposit them into your wallet ; however, because you used an unsupported network your funds are currently unrecoverable. '' Here is a link to the transaction : XXXX XXXX XXXX This is the status on their website : Amount XXXX XXXX Status Awaiting verification Confirmations XXXX of XXXX Date XX/XX/2022 XXXX To XXXX Balance Address XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Thank you for your time and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX SOLD TO ARS REF XXXX AND WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY XX/XX/XXXX, DISCHARGED XX/XX/XXXX.
Product: Credit card

I purchased a jewelry item in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX, XXXX in XX/XX/XXXX, but Capital One posted it to my account on XX/XX/XXXX for an amount of {$2400.00}. As a result of this I lost US {$100.00} because of the conversion since the XXXX currency became stronger. When I called them to complain about it after noticing the transaction the first time in XXXX they said I should talk to the jeweler. The jeweler said that they had sent the transaction to Capital One immediately. When I called Capital One today I was told that they would do nothing to reimburse me for my loss in the conversion. I first talked to an agent who said he could not help. Then I asked for the manager and she was downright rude and unpleasant. I seek the help of CFPB for investigating this matter and recovering my compensation. 
Thank you.
Product: Debt collection

The debt totals {$1000.00} I called because I didnt recognize or know what it was for and was told I would have to provide my full name, dob , ssn, address and bank info just to find out.
Product: Credit reporting or other personal consumer reports

I did not authorize a credit inquiry from this company on XX/XX/2XXXX XXXX
Product: Consumer Loan

When I applied for a loan with 21st Mortgage, the loan officer advised me that I needed to apply a different way and told me to do another app. Later I found that they ran a hard credit inquiry twice, one day after the other rather than referring to the first one. These hard inquiries are still affecting my credit score so I asked them to make a correction on my credit file and remove one. They were uncooperative and said I should have talked to the loan officer. The loan officer is exactly the person that told me to do this and caused the problem in the first place! Can you help please?
Product: Mortgage

On XX/XX/XXXX of this year, my wife and I applied to refinance our VA loan to a VA refinance for IRRL, from 4 % to 2.75 %. When the Mortgage Processors reached out to request document uploads, they provided the Loan Estimate on XXXX, so within the 3 day business days, from there I reviewed all fees on the LE and closing costs. I received a second email a day or so later requesting that I pay a {$150.00} application fee, which was a surprise to me because nowhere on the loan estimate, itemization of fees, or the advance fee deposit agreement. After I informed the processor that I wasn't going to pay the fee and take my business elsewhere, this was her response : " Hi Mr. XXXX, I just reviewed your file and youre absolutely correct, the application fee was not listed on the Loan Estimate. Since this fee was not properly disclosed to you at the time of application, we can not charge it to you. Please disregard the request to pay the application fee. My apologies for this oversight on my part. I appreciate you brining this to my attention. '' XXXX XXXX A couple days have since passed from the date of that last response, and I have received this today : " Hi Mr. XXXX, I hope that you are having a good week so far. I just wanted to follow up with you regarding my error in stating that you would be charged an application fee and to see if you have any questions. As I previously stated, you will NOT be charged the application fee as it was not disclosed to you initially. The only fees that will be charged to you are the ones that have already been disclosed to you on your Loan Estimate. I am happy to discuss over the phone if you like, just let me know the best time to reach you. My deepest apologies for my error and any confusion I caused regarding the fees you would be charged. 

Have a great evening, '' On my client " to do list '', there is still a requirement to pay this erroneous fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted numerous times to get this report squared away but, I can't seem to get any help. There is incorrect information still on my report... Please only respond and correspond through CFPB if you attempt to contact me through any other means besides the CFPB portal, I will consider it harassment.
Product: Credit card or prepaid card

The Social Security Office mistakenly marked me as deceased in XX/XX/2018. ( I am not in fact dead. ) I went to the local Social Security Office in XX/XX/2018 ( when I was notified about the issue ) and got my status fixed. However, Discover Card refused to remove my 'deceased ' remark from my account without a formal letter from the Social Security Office . I actually asked the Social Security officials about it when I was there and they told me that they do not send letters ( specifically to companies about notifying them that I am alive. ) Discover Card was adamant about keeping me 'deceased ' on their records, and out of frustration, I gave up on dealing with them. I paid off the remaining balance on the credit card ( though I am pretty sure that I did not actually need to since they have me as 'deceased '. Who has heard of a dead person paying off bills? ) Discover Card said that they had me as deceased and the account closed. 

Fast forward to this year, I started noticing negative remarks on my credit score reports due to this Discover account. Apparently, since I am deceased in their records, my account is now 'delinquent '. This has wrecked havoc. I contacted the Discover Card office today they were still adamant about needing to receive a letter from the Social Security Office reiterating that I am not deceased. Clearly, once again, I am not dead. I even paid of my outstanding balance last year yet I still have this account as 'delinquent ' on my credit score reports. 

Discover has been the only bank that I have had such issues with regarding the Social Security Office error. When this happened to me with my other banks, I had those issues resolved relatively quickly and with no need of a 'letter from the Social Security Office '.
Product: Debt collection

I am writing to dispute an entry on my credit report. The entry in question is National Credit Systems Inc. I believe this entry is inaccurate because it they are attempting to collect on a debt that. In accordance with the Fair Credit Reporting Act, I am requesting an investigation into this matter. 
Please investigate this matter and correct my credit report as necessary. I requXXXX XXXXXXXX National Credit Systems Inc. 
XXXX XXXX XXXX XXXX XXXX GA, XXXX Re : Request for Debt Validation Dear National Credit Systems Inc . 


I am writing to request validation of the debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept responsibility for this debt and request that you provide me with the following information : 1. The name and address of the original creditor. 
2. A detailed explanation of the debt, including the amount owed and how it was calculated.

3. Copies of any agreements or contracts that show I am obligated to pay this debt.

4. Proof that you are authorized to collect this debt on behalf of the creditor.

Please note that I am requesting this information to ensure the accuracy of the claim and to confirm that the debt is valid. Until you provide the requested information, I request that you cease all collection activities and communications regarding this debt, as required by law.

Additionally, I request that you refrain from reporting this debt to any credit reporting agencies until it has been validated. If you have already reported this debt, please notify the credit bureaus that the debt is in dispute.

This letter is not a refusal to pay but a request for clarification and verification. I look forward to your response within the timeframe required by law. Please send all correspondence regarding this matter to my address listed above.

Thank you for your attention to this matter.
Product: Mortgage

I refinanced with Quicken Loans in XX/XX/2014. The reason I refinanced was to remove my husbands name from the deed of my home. I was thinking about filing for divorce as it was discovered my husband had cheated on me, but was still unsure. Quicken Loans told me that the easiest and fastest way to remove the name is refinance and they will have the other party sign a Removal Request form during the closing. They stated that this is something they do all the time and it shouldn't be a problem. They informed us that the documents that needed to be signed by my husband would be included in the closing documents that the notary person they were sending to the home would have at closing. My husband was present at the closing and explained every detail. Before signing the document he asked the notary that was sent to the home by Quicken Loans to confirm again that the document provided by Quicken Loans would remove him from the deed the notary confirmed with us both that yes he would be removed. My husband signed the document and was provided a copy of the closing documents which included the form for his records. Fast forward 3 years later after speaking with my lawyer regarding a different matter it was discovered that my husband was never removed from the deed, which was supposed to be done by Quicken Loans. He is now deceased and they are telling me its nothing that they can do. I have the signed document that was notarized during closing with the request to be removed from the deed. They are telling me they are sorry for the issue, but not doing anything about it. I had a 20 year mortgage with 18 years left before the refinance so why would I go to a 30 year mortgage, roll over {$5000.00} closing cost into the mortgage for a {$100.00} cheaper note? I asked the Quicken Loans Rep why would I refinance for nothing? The signed document provided by Quicken Loans states what was supposed to be done. The Quicken Loans Rep couldn't answer the question. We were misled by Quicken Loans and told anything just to get the refinance.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notifications from my creditor 's credit monitoring service that there were several hard inquires on my credit report. I did not try to open any new lines of credit, auto loans or credit card applications. 

I reached out to all off the creditors that were reporting a hard inquiry. 

Bank XXXX XXXX XXXX XXXX loan- this was flagged by them as fraud and reported to the XXXX credit bureaus. 
XXXX Bank XXXX- this was flagged by them as fraud and I was told to report it the bureaus Capital One- said they did not receive the inquiry or application but it is showing on my credit report by all XXXX bureaus. 
XXXX - flagged as fraud and reported to bureaus - sent a letter dated XX/XX/year> XXXX XXXX - reported as fraud and reported to bureaus - XXXX XXXX sent a letter dated XX/XX/year> XXXX  - called me on XX/XX/year> to confirm an application in my name- they had my address, date of birth and drivers license information as well as an email that was incorrect XXXX  ( XXXX ) - a new credit card was opened in the amount of {$35000.00}. I called chase immediately and let them know this was not authorized by me and asked them to remove the new credit card from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} and XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX Balance : {$1300.00}.
Product: Money transfer, virtual currency, or money service

Site said ACH would take seconds. Tried, said 6 days. Said debit card would take seconds. Tried, said the card couldn't be used. Accidentally submitted payment. Tried to cancel. It says cancel, but it is really process and refund. Now my funds are tied up. This needs to be resolved.
Product: Credit reporting or other personal consumer reports

I noticed on my TransUnion and XXXX report that there were inquiries on it that were not mine and I filed a report with the Federal Trade Commission. I would like to have the items deleted from my report immediately.
Product: Student loan

Key Bank is holding me liable for a fraudulent account in which they have the XXXX fraudulent account documented three times on my credit reports. XXXX XXXX is extremely unprofessional and nasty, please forward to another party in the corporate office. It is unpleasant to be victimized continuously by her. I contacted legal representation and after they viewed documents and the signatures, they informed to file one last complaint with CFPB and attach the signatures. I attached the signature that Key Bank provided you on their application and I attached my signature from one of my home mortgages. You can clearly see that signatures are clearly different. Again before proceeding legally, I am asking Key Bank to remove the fraudulent account in which they are holding me falsely liable. Also, I have attached where Key Bank is fraudulently reporting the same XXXX account three times on my credit reports, which is fraudulent credit reporting. I have addressed this with them, XXXX XXXX and others nothing has been done as you can see, I attached a copy of my XXXX credit report in which I have continuously submitted to Key Bank and they have yet to remove from credit bureaus.
Product: Checking or savings account

XX/XX/2017 {$2500.00} they took my money and wouldnt give it back to me, so that I could pay my bills