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

This letter is being sent to you in response to the phone conversation which took place on XX/XX/year> ( XX/XX/year> ) regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested with evidence that I have any legal obligation to pay you, including the following documentation : XXXX. Agreement with the creditor that authorizes you to collect on this alleged debt. 

2. The agreement bearing my signature stating that I ( XXXX XXXX ) have agreed to assume the debt. 

3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 

4. Proof that the Statute of Limitations has not expired. 

5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in the state of XXXX XXXX, and your license numbers and Registered Agent. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action May constitute fraud under both Federal and State Laws. 

Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your company for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX I got no response within the 30 days. I checked my credit report on XX/XX/year>, and this company has now placed a charge off in the amount of {$6500.00}. As of XX/XX/year>, my credit report is displaying this charge off. I have been disputing it with all three credit bureaus, XXXX, XXXX, and XXXX. I've been disputing this with the bureaus for over three years. I never opened or signed for a ComenityCaptial/AAAXXXX credit card ending XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ENHANCED RECOVERY COMPAN Last reported XX/XX/XXXX {$510.00} Open balance XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX copied from my XXXX XXXX  account but never personally open this account myself and shouldn't be on my account and is violating the fair credit act law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the fair credit reporting act. ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my NAVIENT account on XX/XX/XXXX when I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX, XXXX and XXXX of XXXX I was late with payments, XXXX, XXXX, and XXXX. In XX/XX/XXXX, I arranged scheduled payments of {$81.00} to be withdrawal from my bank account on the XXXX day of each month. Since arranging this my account has been a great standing until last month. 

I was informed by XXXX  that my credit scored dropped 8 points due to late payments on my Navient account. When I called Navient they informed me that I was late on payments in XXXX. I found this information very confusing. I'm confused why they are hitting my credit after six years of great standing on my payments. When I asked the Navient rep to transfer me to a supervisor, I was told there was nothing more I could do to resolve this issue. The rep then reminded me of when I opened the account and the months I was late. But them reporting late payments after six years doesn't make sense at all. 

I hope you are able to resolve this issue. I'm not sure how my dispute was settle by XXXX because my credit score has not gained its 8 points back.
Product: Debt collection

I had leased an apartment for a year with my close friends. When XXXX XXXX went under new management, we came home at XXXX  and our belongings were thrown out of the apartment. We had no written letter, no eviction notice, no explanation. When we went to the office we were told that new management was taking over and that there was nothing they could do. I was young when this happened and had no idea how to handle it. Years later I got this collection on my credit but didnt believe it to be true since it wasnt a normal eviction. This was in year 2015. I was XXXX years old. Now XXXX at XXXX XXXX is trying to collect XXXX $ through a debt collector.
Product: Checking or savings account

Capital one did not deposit my check they failed to provide me with information the representative kept saying they did not have an answer. There had been no update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of first delinquency is incorrect, balance is incorrect payment history is incorrect. NEVER had a contract or any agreement with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recent review of my Credit report ( s ), I found that there are numerous Hard Inquiries on my report that I did not authorize. The following are those inquiries I am referring to. 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 card or prepaid card

I stay at best western hotel on the XXXX funds were held but on the XXXX the were released by the hotel. I have spoken to them twice now with confirmation that funds have been released for awhile now and should have been made available to me already. I had to best western because initially cash app was claiming funds werent released on there end and I came to find out that wasnt the truth. I spoke to cash app and theyre still refusing to release my funds and saying they have 14 days which is unheard of. I was told no more than 5 business days. They have all the information they need in front of them and have had it for over a week and are still refusing to release funds. If they need to contact the merchant they can. I am not at the hotel anymore. And I need my funds.
Product: Debt collection

An auto loan was opened in XXXX of XXXX in the name of my XXXX father with Credit Acceptance Corp. The vehicle was totaled and Credit Acceptance sent the title to my father but it was added to his credit report and mine! They stated the balance owed was {$11000.00} and the account was closed in XXXX. XXXX XXXX I received an alert that the account was open and current. XX/XX/XXXX the account is saying open and the balance has increased by {$4600.00} on an account that was closed 5 years ago! I attempted to contact them several times over the years regarding the inaccuracies and they have refused to comply. This is causing financial duress as it has effected my credit score which is also causing undue emotional duress during a global pandemic. Credit Acceptance is predatory and unethical.
Product: Vehicle loan or lease

I have been trying to finish my  XXXX  months car payment, I called  DT  bank to give me the exact amount that I must pay. I have received abo ut 3 differe nt letters with different amount. I submitted a complaint to your office. I received a reply but did not answer the question I have been asking. Last week I received a letter from  XXXX   XXXX  the Senior vice president with the exact amount to pay before  XXXX / XXXX /  XXXX  . He also stated that if I do n't they will repossess my car for a {$350.00}. I called  XXXX  on  XXXX , made payment. I called early this week asking for my car title I was told that the loan numb er I gave to t hem is not on record. I was asked to provide my social, I gave the women my social. After that she ask my name and address, I did just that. After that she than asked my birth date. I told her I will not. Due to identify thift. I also told her I was told  by     XXXX   XXXX   th at once I agree to sign up for a voice recognition I will not be asked to provide all my information. That also was a lie. So the women hanged up the phone. Today  XXXX / XXXX /  XXXX  . I received a certified mail from  TD sayi ng this is a last notice I must pay {$350.00}. If not they will repossess my vihecle. I also received another letter that I own {$190.00}. I paid TD bank more money for this used car. I want my car tit le. Life goes on I want to move on  with my life.
Product: Credit reporting or other personal consumer reports

I have fraud alerts on all three credit bureaus when credit is applied for I am to be called. These injuries are be made through the fraud alert and block.
Product: Checking or savings account

Im very frustrated because I expressed several times that my phone was stolen and I lost access to my account for about 4 weeks until XXXX sent me a new phone, upon getting my phone and signing in, I seen so many transactions that stole lots of money from me almost everyday, I even got a text from the thief basically telling me he stole my money and Truist  still has not refunded me all while receiving the police report and evidence they needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, These company 's are showing late payments on my account that should not be there. 
I've called them several times and they have refused to update the information. I am in the process of buying a home and I can not have this on my account for another second. Please see the information below and have them update it. 

BARCLAYS BANK DELAWARE XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX  Late Payment XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my 3 major reports that i didn't acquire. I also have inquiries I didn't authorize as well. I've tried to have these items removed and still no changes. I'm trying to move to another state and purchase a car and this has greatly impacted my ability to do that based on my credit score.
Product: Mortgage

In response to filing a complaint with the CFPB, capital one has responded by no longer sending monthly statements. The last statement I received was XXXX 2015. 
I also have been blocked from accessing my account online. The Honorable XXXX XXXX will undoubtedly begin his response discussing my bankruptcy. However the case has been closed for a year I 'd like to have statements and online access. I have asked and been told by XXXX XXXX to call someone else at Capital One. His response unhelpful and unprofessional. Capital One has determined that they will not respond to my calls. See email attached from their attorney stating that I am not to call nor will not get any responses. 
I have been the victim of Capital One 's retaliatory and predatory nature and in fear of them sending their attorneys after me for calling I am unable to call and appealing to the CFPB for assistance
Product: Money transfer, virtual currency, or money service

On tuesday XX/XX/XXXX I was scammed and the scammer had me open a Cash App account and send money to an unknown party. As soon as I realized what happened I called Cash App. Their customer service number refers you to their online support app. I sent information in the support app who then referred me to an email support group. For two days I went back and forth with them and finally they said they would not assist me and to report it to the police. Every company should have a phone number you can call to report fraud and if they had worked me when I reported it the transaction could have been stopped or reversed. I am also working with my bank but I feel that Cash App should be investigated for poor consumer practices and lack of consumer response. I would advise anyone who uses this APP not to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX  XXXX XXXX XXXX , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYFILED XXXX XXXX {$18000.00} XXXX XXXX {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently they sold my student loans to another company which doubled what I owed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be turned in when I was no longer able to pay the loan. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I have no knowledge of auction or any results from my many letters and disputes. I disputed the debt many times and requested validation. I also requested the item be removed from my credit due to failure to properly validate. Equifax failed to conduct a proper and thorough investigation that I am entitled to and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line stating " repossession '', my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton. 

Equifax continues to report this negative tradeline despite the numerous requests for evidence to their investigation practices. No such documentation received.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX I mailed in dispute letters along with my identification documents to include drivers license and utility bill certified. The company respond back with a letter stating that the investigation was not complete because it appears that it may have not been me sending a dispute letter to start an investigation into credit reports attached to my name, address, birthdate, and social security number. So they refused to process my dispute requests. They are also locking me out of my online account to keep me from processing these disputes oof inaccurate information on my credit reports.

ACCORDING TO SECTION 611 OF THE ( FCRA ) .Consumers have the right to dispute inaccurate or incomplete information in their credit file, and credit bureaus must investigate such disputes within 30 days.Further, per section 623 of the FCRA requires furnishers-of information to provide accurate information to the credit Bureaus. This. is direct violation of the aforementioned provisions of the FCRA.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I received a letter from citi bank stating that I was not approved for a loan. I called them and said I never applied for a loan nor did I go online to inquire. Citibank pulled my credit without my knowledge. I called XXXX and froze my credit report. I spoke with XXXX. Then on XX/XX/XXXX they sent me a letter stating that my interest from XXXX was underreported. I spoke with XXXX on the XXXX and contacted my accountant there was no interest that citi paid me that year.
Product: Money transfer, virtual currency, or money service

Marcus Savings account received a verified request by me to transfer money from my Marcus account into a verified account in a different bank. In response, they locked my account and told me to call a number to unlock the account. I called Marcus and they first asking probing questions regarding what I was going to do with the money I was transferring and why I was moving it out of Marcus ( I was planning on leaving a substantial amount in the account ). They said that they are going to cancel the transfer and that I could not transfer the money to my linked account or I should just keep it in the Marcus account. 
I also tried to set up an account with my Mother in Law and it was a nightmare. Went through all the steps and they said that she was denied for not apparent reason as she has great credit and other bank accounts with no issues ( I believe because we were taking advantage of their promotion giving the referring person and the new customer an enter 1 % on the account ) They finally said I could transfer money only into the same account I transferred it in but I would have to start the process again from the beginning. They were acting like it was their money and that they would tell me how I should be using it. 
I have been reading more an more articles regarding folks trying and failing to get their money out of Marcus savings accounts. 
You request the account number but they locked my account and I do not have access. 


Thank you, XXXX
Product: Checking or savings account

I opened an account with Suncoast Credit union over 2 months ago using their promotion, XXXXinahurry as well as being referred by a friend. I shouldve received XXXX $ for their promotion and XXXX $ in XXXX gift cards for the referral as I did everything correctly in their terms they put forward. After the allotted time had passed I and I still had not received the gift cards, I called the bank. I talked with multiple people over multiple occasions. Everybody seemed confused as I had done everything according to the terms and they werent sure why I wasnt getting gift cards. I kept being told to wait another couple weeks over and over. Finally today I called and said I wanted a resolution or I would contact the CFPB. I got a call back saying I had to go in to a branch to resolve this issue or I wouldnt get my gift card. I explained I lived an hour away from a branch and couldnt make it out there. They also gave me no guarantee I would get the gift cards if I were to go to the branch. My account has now been locked without any reason given to me. Please advise
Product: Credit card

i sent a prior dispute but needed to update we authorized only the charges from XXXX XXXX XXXX XXXXXXXX XXXX CA this is correct the card we now know was duplicated and used after the hacking and texts messages sent
Product: Bank account or service

Well Fargo and it 's " agents '' have been HARASSING me for almost XXXX YEARS now. Several months after closing a checking account in early XX/XX/2004, I received a letter saying I owed XXXX nearly {$400.00}, but NO explanation of why. I demanded to know WHY they suddenly decided I owed them a bunch of money, and demanded a breakdown of the charges. They never sent another word, just sent it straight to collection. Since that time it 's been " sold '' to more agencies than I care to count. Lately people from XXXX have been calling XXXX times XXXX, including Sundays starting at XXXX local time and sometimes not stopping until after XXXX. Most of the time they hang up after just XXXX ring, or no one is there when answered, but when they DO answer, they refuse to tell you who they are until you give a bunch of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is good-standing with Google Fi XXXX XXXX ). They are denying me credit for an extended payment plan for a new phone. XXXX is the credit agency they check and I do not have a freeze or security hold active. Google Fi Support Inquiry : Case ID [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to inform the XXXX, XXXX and TransUnion Credit Bureaus that I have been a victim of identity theft. After conducting some research, I discovered the necessary steps to address this issue. To remove the fraudulent inquiries from my credit report, I need to file an identity theft report with the Federal Trade Commission ( FTC ). You can find more information on this process at their website : https : //www.ftc.gov. According to the Fair Credit Reporting Act ( FCRA ) section 605b, Credit Reporting Agencies are obligated to remove and block any inquiries listed on an identity theft report. I have attached the relevant documents to aid in the removal of this erroneous information that has been posted on my report. Below is a list of inquiries that are not associated with me and were opened without my permission : XXXX : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX TRANSUNION : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Also, according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.