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

I received correspondence from TransUnion that the inquiries that was recently disputed is not placed on my credit report. However, after obtaining a copy of my report the inquires remain the same. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified TransUnion of this and it is TransUnion who should make these changes by removing the inquiries : XXXX XXXX Oil companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Oil companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Oil companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX DEPT OF ED Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX  / {$0.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX XXXX partial account number XXXX. Equifax and XXXX should not be reporting that I am ( 60 plus ) days late on the XXXX partial account number XXXX ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Mortgage

Good day! 

We would like to file a complaint to Fay Servicing because until now they can't provide an update on when we can get the approval letter. 

We got an update from Fay Servicing that they are countering the offer to {$260000.00}. So we submitted the acceptance of the counter offer on XX/XX/2021 but until now there is no progress. 

We want to get the approval letter ASAP because the buyer wants to close it this month. 

Please help us escalate this issue to the lender because every time we call their office, there is no progress and no updates from them unless we file a complaint here in CFPB. 

We greatly appreciate your help. Have a great day ahead!
Product: Credit reporting or other personal consumer reports

I am a Service XXXX XXXX XXXX XXXX  Veteran disputing the accuracy of the information reported by TransUnion regarding the XXXX  XXXX account ( # XXXX ). Your investigation concluded that the information was verified as accurate and notified by letter dated XX/XX/year>, but I strongly contest this finding. The account is reported as Charged Off with a balance of {$6100.00}, a credit limit of {$5000.00}, and a maximum delinquency of 120 days in XX/XX/year> and XX/XX/year>. This reporting is inaccurate and misleading, significantly misrepresenting my financial status. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable investigation into disputed information. I believe that the investigation into this account was not thorough and that critical inaccuracies remain. Additionally, the reporting of delinquency and charge-off status, particularly the high balance exceeding the credit limit, raises concerns about the potential re-aging of debt, which would violate 15 U.S.C. 1681c. This erroneous information is unfairly damaging my credit and causing significant financial harm. I demand a comprehensive reinvestigation of this account, including direct verification with XXXX XXXX. If the information can not be conclusively validated with documented evidence, it must be removed from my credit report. TransUnion has a legal obligation to ensure the accuracy of the information it reports, and I expect immediate action to correct these inaccuracies. Failure to properly address this dispute will result in further action.
Product: Payday loan, title loan, or personal loan

SYNCB/ XXXX  is reporting a secured loan on my credit report that I did not apply for. I contacted them already and they stated that is account would be removed from my credit report and it has n't. It shows that this account is joint with  XXXX   XXXX  is and I have no idea who this is. I never noticed this account on my credit report before and It is affecting my credit because it shows 90 days late. That is how I knew it was on my credit report because I got notified through my credit monitoring. You can look at the payment history and see I never paid for this account ever. I would also like for you to furnish a document that shows my legal wet signature and video footage of me signing for this loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressed for these violations.
Product: Debt collection

We often receive calls from Harris & Harris, a company that identifies themselves as a debt collector from number ( XXXX ) XXXX. When they leave a message they provide the name of the company, and state that they are calling to collect a date. No additional information is provided. 

The most recent calls received are as follows, with a corresponding message left : XX/XX/XXXX at XXXX ; XX/XX/XXXX at XXXX ; XX/XX/XXXX at XXXX ; XX/XX/XXXX at XXXX ; XX/XX/XXXX at XXXX ; XX/XX/XXXX at XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the listed company has an unapproved inquiry on my credit report. Below is the name of the company and the date on which I acquired the inquiry. 
XXXX XX/XX/2023
Product: Student loan

After I consolidated my student loans I have been on the income based repayment plan since im pursuing the public loan forgiveness program. I certified my employment with XXXX XXXX on XXXX of 2017 and soon after I received a letter stating that I had 81 qualifying payments. Fast forward to this month and I logged into my online account. XXXX XXXX updated their system and to my surprise they only have me with thirty something qualifying payments. I contacted them for help with out any luck. They we're rude condescending and they said that I was not on a qualifying payment plan. That is incorrect because I renew my eligibility every year and I have certified my employment twice. I'm worried that their mistake will make me have to continue making payments when I should be eligible for loan forgiveness. Thank you
Product: Credit reporting or other personal consumer reports

Identity Theft Dispute XXXX XXXX XXXX XXXX Account # XXXX I am writing to provide a detailed account of my experience regarding an identity theft incident and my ongoing dispute with Experian over a fraudulent account associated with XXXX XXXX XXXX XXXX ( Account # XXXX ) {$9000.00}. 

What Happened : An account was fraudulently opened in my name with XXXX XXXX XXXX XXXX without my knowledge or consent. 
This unauthorized account appeared on my credit report, negatively affecting my credit standing. 
Steps I Took : Upon discovering the fraudulent account, I promptly contacted XXXX XXXX XXXX XXXX and informed them of the identity theft. 
XXXX XXXX requested that I provide a police report to substantiate my claim. 
I filed a police report documenting the identity theft and submitted it to XXXX XXXX for their investigation. 
I also submitted a dispute to Experian, asking them to remove the fraudulent account from my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). 
Experians Response : Despite my initial dispute, Experian has not removed the fraudulent account. 
XXXX XXXX XXXX XXXX is in the process of investigating the matter again, and they have requested the police report as part of their review. 
I have attached a copy of the police report to further support my claim and to verify the identity theft. 
My Request : I am requesting that Experian immediately remove the fraudulent XXXX XXXX XXXX XXXX account ( Account # XXXX ) from my credit report, as required by the FCRA. 
According to the law, once evidence of identity theft is provided, the credit bureau must remove the fraudulent account within four ( 4 ) days. 
This fraudulent account is causing undue harm to my credit profile, and I am taking all necessary steps to resolve this matter. I trust that the CFPB will assist in ensuring that my rights as a consumer are protected and that this issue is resolved promptly. 

Thank you for your attention to this matter. Please let me know if any additional information or documentation is required. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX I purchased three articles of clothing totaling XXXX from Jessica London using their store card through Comenity-Jessica London . The clothes did not fit so I returned them within two days of receipt as per their policy of free returns. I received a bill dated XX/XX/XXXX for the items so called the customer service number. They acknowledged receipt of the returned items and said it sometimes took a few days to credit so not to worry about it. I received another bill dated XX/XX/XXXX with a XXXX late fee plus interest charged. The return had not been credited. I called customer service and they said they would take care of it. I continued to receive bills each month and called and was told they would take care of it. Finally in XXXX they provisionally credited my account for the returned items plus interest and fees. This credit was reversed three months later. I have disputed this on my credit report and despite Jessica London repeatedly telling me they received my return items this report has continued to show as a negative on my credit report, causing me to be declined as well as pay higher interest rates. I have disputed on the three credit reporting agencies and each time they say this is valid. It is not. I want this deleted from my report and all negative reports to be removed.
Product: Debt collection

I am reaching out to bring to your attention an alarming situation that requires immediate resolution. I have been facing relentless harassment and threats regarding a debt that I do not owe. Despite my repeated attempts to address this issue, the calls persist, causing me significant distress.

I kindly request your prompt intervention to investigate this matter and cease my further communication related to this unfounded debt.

Your cooperation in resolving this issue at the earliest would be greatly appreciated.

Thank you for your attention to this urgent matter.
Product: Debt collection

I do not know who these people are trying to collect a debt, if I owed this money they would have sued in a court of law in which they have not done..i do n't owe these people money and I dispute those charges they say I owe.take this off my report.
Product: Credit reporting or other personal consumer reports

XXXX ; XXXX AND EXPERIAN have me listed as NAMES that are NOT my name. AND they have ALL different addresses that are not my current address.

I recently sent all 3 of these companies a COPY of my current State of New Jersey Drivers license with my Full Legal Name and Current Address for them to update their records and they have not.

Also I do not have ANY alias or Also known as Names, these ALL should be DELETED IMMEDIATELY with these addresses that do not belong to me.
Product: Debt collection

This company ( XXXX XXXX ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies.
Product: Mortgage

This is an exact copy of the letter to the NH Banking Department. They have refered me to the Department of the Comptroller. I will contact them but its my fear that the process is going to slow down and get caught up in RED tape unless I stay proactive which is why I 'm contacting you. If you need me directly my personal cell phone # is XXXX my personal emaim is XXXXXXXXXXXX. Thank you! 

XXXX XXXX XXXX PLEASE FIND DUPLICATE LETTER SENT TO NH BANKING DEPARTMENT : XX/XX/2014 I was forced into bankruptcy. XXXX of my properties an XXXX in XXXX XXXX.had been mortgaged with Peoples United. Even though all my payments where current Peoples United hired the law firm of XXXX XXXX. As things turned out I refinanced this property and paid off a rather minor first of {$17000.00} that Peoples had on that property. I was stunned at the closing when it was revealed that XXXX XXXX had billed Peoples United over {$7000.00} which went against my closing costs. I have requested an accounting and explanation of these charges and have repeatedly been denied this accounting from XXXX XXXX and Peoples United. Most recently XXXX XXXX had thrown this decision back onto Peoples United by stating that permission needed to be received from XXXX XXXX before they could release the explanation of their fees. I have requested permission from the loan officer and the bank president since I have only received a break down of charges by the day that the charges occurred. 

It is my opinion that both XXXX XXXX and Peoples United are involved in some kind of cover up as to what these charges involve. I 'm concerned that by their actions or lack of they both are obviously covering for one another. 

I 'm just a small business person. Obviously having a challenging and difficult time. I am no match for an underhanded law firm and a huge corporate bank. I 'm determined to see this through though so I 'm asking for your assistance in this matter. Please contact me with what ever assistance you can provide. Thank you.
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX XXXX from Capital One, which was opened in XX/XX/XXXX. Capital One closed my account after having one delinquent payment in late summer of XX/XX/XXXX, which was paid only a few days late. The Bank did not close the account until approximately two months later and did not provide me with a written correspondence either USPS nor email. I learned of the closure by attempting to use my account. Before the closure of the account, I had responded to a GM/Capital One email advertisement that I did not want to receive promotional advertisements from XXXX XXXX XXXX in XXXX, LA because the dealer had been caught rolling back the odometers on used vehicles and I would never purchase anything from that dealership. I telephoned customer service inquiring the problems making a purchase and that was when I was notified the account had been closed. According to the XXXX XXXX XXXX allowed 5 % of all purchases to be credited to a rewards account in dollars to be used towards the purchase of a XXXX vehicle or service. Upon closure of the account, the consumer has up to 90 days to use the accumulated rewards at a XXXX vendor ; otherwise, the reward amount collected is forfeited. Keep in mind that the account was closed in good condition and current status. During the customer service phone call, I complained that since Capital One had closed the account without any formal notification and without cause since it was in current status along with my other three Capital Once accounts, Capital One was basically attempting to force me in to the purchase a new GM vehicle or lose the accumulated reward dollars that was just over {$290.00} & change. I demanded to speak with Executive Level Management because I was not in any financial position to purchase a new GM vehicle and since Capital One closed my account without proper legal notification, I demanded that the accumulated reward dollars be sent to me in the form of a check or credited to the balance of the account. My name and number was taken by the representative and informed me that I would be receiving a telephone call from an Executive Member within 48 hours ; however, that call never came and I have since stopped paying on the account because Capital One had committed consumer fraud and theft of a the accumulated reward dollars, as far as I was concerned. Since then, my financial status has fallen on extremely hard times and I am in the process of filing for bankruptcy still with an unsettled claim for XXXX XXXX XXXX Rewards paid to me. As far as I am concerned, Capital One has intentionally stolen my Rewards of just over {$290.00}.