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

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX, XXXX and TransUnion are require to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX; XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to respectfully request the removal of a late payment report on my credit file from XXXX XXXX XXXX, which occurred in XX/XX/XXXX. Due to extraordinary and unforeseen circumstances, I was unable to make the payment on time, and I am asking for your understanding and consideration. 

In XX/XX/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 XXXX XXXX XXXX XXXX making it even more difficult to manage my finances. 

In XX/XX/XXXX, I received 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 made financial management incredibly difficult. 

On XX/XX/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 I was unable to manage my financial obligations or set up an autopay arrangement. This single missed payment occurred while XXXX XXXX XXXX and unable to make arrangements to avoid it. 

Additionally, my condition was further complicated by the ongoing XXXXXXXX XXXX, which the federal government recognized as a national emergency. The XXXX XXXX XXXX ( XXXX ) declaration, which remained in effect until XX/XX/XXXX, provided certain protections and relief measures, but also significantly hindered my ability to meet my financial obligations in a timely manner. 

Please note that since opening my XXXX account, I have consistently paid my full balance on time and never missed a payment. This is the only late payment on my record, and it was solely due to these XXXX XXXX XXXX. This negative mark has been a barrier for me in securing personal loans as I work to rebuild my financial XXXX XXXX XXXX 

I have provided documentation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I will submit once finalized through XXXX. 

Given the above, I kindly request that XXXX XXXX XXXX consider removing this late payment from my credit report as a goodwill adjustment. This gesture would support me immensely as I strive to restore my financial health and continue managing my obligations. 

If you require further documentation of XXXX XXXX XXXX XXXX, or the details of my situation, I have uploaded and attached them to this email. 

Thank you very much for your time, understanding, and consideration. I look forward to a favorable response. 

Sincerely, XXXX XXXX XXXX XXXX Credit Card Account # : XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly.
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

We went to OneMain financial in XXXX, Texas for a personal loan. We were told we were qualified for {$3000.00}. We said that would work at that time. The representative stated that it was dependent on us allowing one main to pay off our current auto loan. We agreed not realizing we were refinancing an auto loan for a car that was close to being paid off. Meaning by signing up we were not only stuck in a new auto loan on an older car, but our {$3000.00} was dependent on us signing up for the refinancing. Ended up being triple what the car was even worth, added on a substantial amount of interest and took us forever to pay off. When we paid it off finally years later we found out One Main never even had the title to our car or reported to XXXX XXXX that our loan was paid off. So we technically show in XXXX XXXX  system having an active lien on the vehicle.
Product: Credit card or prepaid card

An XXXX XXXX XXXX through Bank of America was fraudulently created in my name, using my home address, on XXXX XX/XX/2022. I noticed the account on XXXX XX/XX/2022 and contacted Bank of America to close the account and report the fraud. The claim number is XXXX. Bank of America 's fraud department requested that I file a claim of fraud with the FTC, which is what this is. I also contacted XXXX to report the fraud and dispute the account and the hard credit inquiry, on XXXX XXXX. 

The following is all the information on the account that I have. 

Account name BANK OF AMERICA Account number XXXX .... 
Recent balance {$0.00} XXXX as of XX/XX/2022 Date opened XX/XX/2022 XXXX XXXX late. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit card Terms NA Credit limit or original amount {$18000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/2022 First reported XX/XX/2022 Responsibility Individual
Product: Student loan

Refinanced two loans back in 2008. Noticed wrong information on webpage a few years later including wrong schools attended. Told company said they would fix. This has gone on numerous times with no corrections. As a result I am questioning that Ive been paying consistently for 14 years and only have paid off {$9000.00} off my XXXX loan. Interest payments vary every month but {$20.00} or so and it makes no sense. I am consistent with payments. 
They ignore communications and I dont know what to do. I still owe AES {$30000.00} after all these years. Something isnt right.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

I am a customer of rush card and my account has been frozen for 7 days. I have not been able to access my funds which is causing Late fees, car repo, eviction from home..I am very dissatisfied and nervous about this situation I have young kids that I also can not provide for.
Product: Debt collection

I am writing to file a formal complaint regarding multiple inaccurate and/or unverifiable negative accounts currently reported on my credit profile by Absolute Resolutions and the credit reporting agencies. These accounts are causing significant harm to my financial standing and opportunities, despite my repeated efforts to resolve the matter directly with the parties involved. They failed to verify that the information is accurate and verifiable per the FCRA. These inaccurate accounts violate my consumer rights and have led to unfair practices, including harm to my credit score and financial stability. It is in non compliance with consumer protection laws. The partied involved have failed to comply with the obligations under the FCRAS, FDCPA, and related federal statues.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Caine and weiner Subject : Debt Validation Request Dear Caine and Weiner I am writing to request validation of the debt referenced in your letter dated [ Date of Debt Collector 's Letter ]. I am requesting this information pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. The name and address of the original creditor.

2. The account number or reference number for the alleged debt.

3. A copy of the original agreement or contract that verifies my responsibility for the debt.

4. A detailed explanation of any interest or fees that have been added to the original amount.

5. Proof that you are licensed to collect debts in [ Your State ].

Please be advised that I do not acknowledge any liability for this debt and request that all collection activities cease until this information is provided. 

Additionally, I request that you do not contact me by phone. All future correspondence should be in writing and sent to the address listed above. 

Thank you for your attention to this matter. 

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

I have been contacting EQUIFAX to notify them that they are in violation of Title 15 USC 1681b ( 2 ) by furnishing my consumer report without my consent. They are refusing to correct the errors that I have expressed. [ Dispute submitted XX/XX/2022 confirmation number : XXXX ; XXXX XXXX XXXX - {$28000.00} ( account has been being reported for 29 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number : XXXX ; XXXXDEPT OF ED - {$7700.00} ( account has been being reported for 27 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number : XXXX ; XXXX OF XXXX - {$2500.00} ( account has been being reported for 63 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number XXXX XXXX/DEPT OF ED - {$6000.00} ( account has been being reported for 80 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number : XXXX XXXX/DEPT OF ED - {$3500.00} ( account has been being reported for 80 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number XXXXXXXX XXXX XXXX XXXX - {$28000.00} ( account has been being reported for 29 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number : XXXX INQUIRIES FROM UNKNOWN SOURCES - 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. I have requested that EQUIFAX remove each of the above listed accounts as I have never consented to the assembly or furnishing of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have submitted theft report to Experian on XX/XX/2019. However, the items I have listed in the report still shows on my file. The Fair Credit Reporting Act section 605B requires credit reporting agencies to block information received from consumers who have file identity theft report within 4 days after receiving request. The items I submitted to Experian to be block is still showing.
Product: Mortgage

Bank of America contacted me about re-fi my current loan. I called the number on the letter and went thru a series of questions which I answered in the affirmative. Then the Bank of America loan officer said that I can not submit my application unless I agree to modify my existing mortgage which currently does not require escrow of taxes and insurance. So, I said if I agree to the loan mod will you then allow me to re-fi my loan to a lower interest rate and he said " no ''. My current interest rate is 7 % and I wanted to re-fi my loan to a market interest rate. I was n't asking for lowering of the amount of the loan. Simply a reduction in the interest rate. My wife has XXXX and we were looking for some relief in the form of a lower interest rate. At the conclusion of this conversation, I told this loan officer that I believe what Bank of America is doing is wrong. You can not make a borrower agree to a loan modification to make me escrow my taxes just to submit my application for an interest rate reduction. I have written numerous letters to Bank of America to complain about their dishonest and unethical practices. I get nothing but " canned '' letter responses back from them.
Product: Debt collection

A collection account appeared on my credit report for a {$100.00} outstanding balance, I never received any type of notice regarding the debt. I called XXXX ( the original creditor ), they stated there is not a balance owed and that the account should be removed. I contacted Sequium Asset Solutions informing them that the creditor said the debt is to be deleted, they refused. So I had a conference call between XXXX ( the original creditor ) and Sequium Asset Solutions where XXXX told them the account was to be removed from the credit report. The representative refused to do so. They said they do not care if XXXX is telling them its an error and needs removed that they will not remove the account. This account needs to be removed quickly, how can they refuse to remove an account when the creditor is telling them to do so?
Product: Credit reporting or other personal consumer reports

I have explicitly notified your organization of the XXXX  violations you are XXXX against my consumer report. Despite ample time, exceeding the statutory XXXX period, you have callously ignored my correspondence. Enclosed are copies of every communication sent to your attention for your awareness. 

Your XXXX  disregard for my consumer rights is utterly unacceptable. Your failure to address these violations is a clear violation of federal regulations, constituting an XXXX  breach of trust and legal duty. 

Your XXXX  negligence in responding to these concerns has caused irreparable harm to my financial standing and reputation. Your inaction demonstrates a flagrant disrespect for consumer protection laws and exhibits a willful disregard for ethical business practices. 

I demand immediate and decisive action to rectify these transgressions. Failure to do so will result in further legal action and public exposure of your unethical behavior.
Product: Prepaid card

Me and my wife were given a {$50.00} gift card. Everytime we try to use it we can't. On the back there are instructions to go to XXXX  but it never works. I did some research and others have had this problem as well.
Product: Money transfer, virtual currency, or money service

Fraudulent activity and my money was never refunded back to me nor was this matter thoroughly investigated. I called and emailed and I only received a portion back and not the full amount.
Product: Credit card

I had received a secondhand XXXX XXXX camera lens from an XXXX seller on XXXX totaling {$59.00} that upon receipt was found to be defective with loose zooming function. I had sought Goldman Sach Apple credit card support to initiate a chargeback dispute when the seller had refused to credit me for the defective good. Goldman Sach Apple Credit Card did not provide me with adequte review of the dispute case and the concluded that charged amount to be ramined on my accoiunt. I believe Goldman Sach 's Apple Credit Card did not provide the card member service or support in resolving the disputed transaction. 

Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX XXXX Disputed amount : {$59.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I request a thorough investigation into their legitimacy. Additionally, I demand verifiable proof bearing my signature or electronic signature to validate these actions. 

This letter is being sent directly by me and not through a third party. I request that you carefully review the information provided. I did not authorize the actions reflected in my credit report, and their presence constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ]. 
Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
After contacting the companies involved, I confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate, as I never authorized them. These entries are a direct result of a data breach or the improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate these matters and remove the unauthorized entries from my credit report. 

Thank you for your prompt attention to this issue. I look forward to receiving your response in a timely manner.
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 t o prevent and 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 redress for these violations.
Product: Debt collection

( Sf/XXXX XXXX ) AT ( XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX  ) The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Product: Checking or savings account

America First Credit Union has decided to change my checking account to a premium account without personally contacting me. This new account charges me {$72.00} a year without any okay from me.
Product: Credit card or prepaid card

On XX/XX/XXXX I canceled my automatic withdrawal online that was scheduled for XX/XX/XXXX as I was not going to be able to get the funds into my XXXX XXXX and XXXX XXXXXXXX XXXX account in time. I was going to pay on XX/XX/XXXX online from another account. When I went in to pay on the XXXX, I was surprised to see that it showed that payment was made on the XXXX from XXXX. I called Comenity Bank to find out what happened as I no longer had overdraft protection and the transaction should 1 ) never have been initiated 2 ) should have been declined. Neither XXXX or Comenity Bank could tell for sure whether the transaction was declined for about XXXX days. When it was confirmed that it was declined, I made the payment from my other account. Comenity Bank refunded me my fees as a courtesy, I assume because I had attempted to cancel the XXXX pull. However, XXXX has charged me {$60.00} ( XXXX attempted pulls from Comenity ) for overdraft charges. I asked Comenity bank to either credit me for what I believe to be their error, or write a letter to XXXX stating the situation and hopefully XXXX will waive the fees as I feel it not not my fault. A customer service representative and a supervisor from Comenity Bank stated that they would or could not do either and recommended that I send a letter to corporate XXXX. I sent a letter on XX/XX/XXXX stating my situation. On XX/XX/XXXX I received a generic letter dated XX/XX/XXXX from Comenity Bank XXXX in XXXX, OH asking that I call their customer service line. There was nothing mentioned about my particular complaint. In other words, it sounds like I am being sent back to where I began. I did call customer service and as expected, they could not help me. 
There is nothing I could find in any documentation that says or warns that Comenity Bank could pull funds from my XXXX a day early if the scheduled payment date is on a weekend. One representative stated that this is why it may have happened the way it did. My question is if this is legal and if it is legal, where would I find this in my terms or agreement or on their website. I searched all over and anything to do with XXXX pulls only mentions the due date period. 
Help please XXXX XXXX