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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute for Negligence and Non-Compliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute your companys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which addresses negligence and non-compliance resulting in harm to consumers.

[ State the specific issue, e.g., inaccurate reporting, failure to investigate a dispute, or improper handling of personal information. ] Under the FCRA, it is your responsibility to ensure that accurate and verifiable information is reported, and any disputes are handled promptly and thoroughly. The following demonstrates your failure to comply : Negligence : [ Describe specific instances, such as failing to verify information or follow procedures outlined by the FCRA. ] Non-Compliance : [ Provide details, such as delays in response, refusal to provide requested documentation, or lack of adherence to statutory deadlines. ] This negligence and non-compliance have caused significant harm, including [ explain damages, e.g., financial loss, lowered credit score, or emotional distress ]. As such, I am holding your company accountable for these violations. 
I request the following actions be taken immediately : Investigate this matter thoroughly in compliance with the FCRA. 
Correct all inaccurate information in my file and provide written confirmation. 
Provide a written explanation detailing the actions taken and evidence supporting your findings. 
Failure to address this matter appropriately may leave me with no choice but to pursue legal remedies available under 15 U.S.C. 1681o, which allows for recovery of actual damages, attorneys fees, and other costs. 
Please respond in writing within 30 days of receiving this letter. Send all correspondence to the address provided above. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early last month I sent Experian a certified letter informing them of the inaccuracy on my report, namely inquiries, to date Experian has done nothing to correct this non sense that shows on my report. 
They could n't be doing an honest investigation because if they were they would see that I have not given anyone listed on those hard inquiries permission to check into my credit report for any reason. Further, they have no proof, no contact info, no contract, no signature proving anything, yet they continue in their inaccurate reporting. 
If they do not remove these inaccuracies from my report I will have to ask you ( CFPB ) to fine them for their non compliance of the FCRA, I will further file a complaint with the FTC, the attorney general 's office as well as the BBB.
Product: Credit card

In XXXX, I believed I had paid my balance in full. However, I was subsequently charged a late fee and did not receive statements for XXXX or XXXX. I received calls from various strange numbers with area codes from Kansas and Ohio, asking me to call different numbers than the ones they were calling from. My phone flagged these calls as potential scams. Given that they identified as Comenity Bank rather than XXXX Credit Card, and recalling that I had closed a XXXX XXXX XXXX credit card with Comenity Bank about a year ago for a similar issue, I suspected a scam assuming my data was leaked. 

I decided to check my online account but faced repeated difficulties logging in due to invalid password messages, despite entering the correct password. I even tried changing my password several times, but the issue persisted. After multiple attempts, I finally accessed my account and discovered a past due balance with accrued late fees totaling {$110.00}. I contacted customer service on XX/XX/year>, explaining that I had not received statements and was unaware of the balance. The representative offered a {$15.00} credit, which I accepted, and I paid the remaining {$100.00}. I confirmed with the representative that this payment would clear my balance and prevent further late fee charges. I then requested to close my account since this was the second time I had issues like this with comenity bank. 

I was transferred to another representative with poor phone service and bad etiquette. The call kept cutting off, and when I tried to explain, she began yelling. Despite the choppy connection, I managed to confirm the account closure. However, on XX/XX/XXXX, I received a letter indicating that my account was closed but I owed {$15.00}, which would be sent to collections, along with a statement for XXXX. 

I called customer service again, but the call kept disconnecting as soon a representative would answer I would hear hold music stop fumbling and then the call would end. When I finally got through, the representative saw the notes from XX/XX/XXXX but argued that I still owed the {$15.00} because she couldn't make changes to the balance since it was in collections. She attempted to transfer me to that department but hung up on me. My phone had full signal and was connected to WiFi, so the call didnt drop on my end nor did my phone state the call had failed. This suggests that the representatives were hanging up on me. 

I find Comenity Bank 's payment process for store credit cards to be sketchy and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one that is in the attachment letter. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

See attached file.
Product: Debt collection

During the first week of XXXX my husband and I began application to refinance our home. On XX/XX/XXXX the title company found that there was a lien attached to our home. We did not know of this lien until XX/XX/XXXX. XXXX had sold the loan to the Moore Law Group in XXXX XXXX California. Moore Law group filed a lien on our home XX/XX/XXXX. My husband and I filed for bankruptcy on XX/XX/XXXX. When we looked over the paperwork regarding bankruptcy the Moore Law Group was included along with XXXX and XXXX. We began phone calls to XXXX on the XXXX they gave us to the Moore Law Group who told us they sold it to XXXX XXXX  XXXX. We phoned the number they gave us and they were no longer in business. We phoned XXXX once again. After many transfers and I had to repeat my social security number to the same person 5 times I became very skeptical. They told us we would have to use mail as there were no email or fax machines. We told them we were applying for a loan and dont have that amount of time. On Tuesday XX/XX/XXXX we began again with XXXX and after many transfers from XXXX to XXXX then back again to XXXX we reached a XXXX!! She said she would contact the Moore Law Group for a XXXX demand letter, she said she saw our bankruptcy and there was XXXX balance. On XXXX XXXX we contacted the Moore Law Group for XXXX demand and received a notice that we owed XXXX then they would release the lien. On Friday XX/XX/XXXX I emailed a settlement request for XXXX. For them to remove the lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

An old account I had with XXXX but have not used in years suddenly showed up on my credit report. I kept everything current when I used the account and there is a {$0.00} balance. However, the old XXXX account is still open and somehow just suddenly showed up on my credit report which lowered my report 13 points even though there is a {$0.00} balance and no missed payments when I used the account years ago. If anything, I would think an account with {$0.00} balance and no negative information would up my score, not take it down 13 points.
Product: Checking or savings account

I cant seem to understand why is this bank playing games with me and my money this is so unprofessional it has to literally be a joke I still cant access any of my funds even after receiving several emails saying that the restrictions were lifted off of my accounts just to receive a few more emails 2 minutes later saying that my account is back restricted. What games are Ally Bank playing with me? I need to take them to court this is outrageous I have {$80000.00} just up in the wind that I trusted banking with this company and they cant seem to explain to me whats going on when I call now theyre telling me that the systems are down call back in 24 hours hopefully the systems will be back working. This is insane I have a family you guys have no idea how nerve wrecking this is I am so stressed out behind this because Ive been robbed XXXX by a bank and cant have access to none of my money this XXXX I havent even been able to pay some of my bills due to this happening to me please can I receive some help my lawyer will be reaching out hopefully we can get this case up and going and I receive my money back Im praying
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had " XXXX XXXX XXXX XXXXXXXX '' run inquires on credit reports without my consent. I asked them to please stop. They are constantly pulling my credit report. 

My name is XXXX XXXX, I'm not sure why its showing XXXX XXXX
Product: Mortgage

Loan transfer to XXXX XXXX XXXX after request in writing by my respa rights They transferred loan anyway with mistakes already being made Putting XXXX different acct numbers under same address stated incorrect information and first payment due on XX/XX/year> Denied our respa request and rights And fraudulent information on acct and loan number transfer not even 30 days in and already a data breach In which XXXX XXXX XXXX repeat offenders of housing data with cfpb
Product: Checking or savings account

I had been banking with Wells Fargo since XXXX. I not to long ago closed my account due to problems not being able to be fixed. Ive had money taken out of my bank due to over draft fees '' which was false. I worked XXXX jobs during that time to avoid that problem and Also fraud activity including subscriptions I never signed up for. It also caused for my car to get repoed a couple of times because Wells Fargo wouldn't release my funds for me to pay my car note with XXXX XXXX XXXX. ( I had autopay ) None of these issues were handled accordingly. I now bank with XXXX XXXX, I will never go back to Wells Fargo!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX
Product: Credit reporting

XXXX XXXX was reinserted from a previously deleted dispute. This is the second time this has happened. We won our dispute with transition and you keep putting the negative information back on.
Product: Credit reporting or other personal consumer reports

XXXX & Experian are not showing my credit score and I have over XXXX years history
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) XXXX XXXX  account XXXX Open XX/XX/XXXX I m now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.
Product: Student loan

My name is XXXX XXXX. 

My federal student loans are serviced by Aidvantage. I am on the XXXX plan. I am in XXXX  % interest forbearance while the XXXX plan is being litigated. But {$XXXX} in interest has accrued on my loans since the last statement I received in XX/XX/XXXX. 

I also want to see all of my statements since I took out the loans in XXXX to make sure no other improper interest accrued. I have tried to obtain these, but was given false information about how to obtainin them. I was told to obtain them on XXXX, but the customer service representative there told me to obtain the info from Aidvantage and it wasn't available on XXXX So I went back to Aidvantage but they would never directly answer my repeated questions asking for the statement even when I told them that XXXX sent me back to them for the statements. 

The only available statements on my Aidvantage account are from XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX where the principal balance was consistently {$XXXX}. But nothing before or after these months.
Product: Credit card or prepaid card

I received an email from Citi Bank on XX/XX/2022 that my account will be closed, after further investigation a customer service representative by the name of XXXX on a recorded line stated that my account is being closed due to being in collections. However she spoke with a colleague and the colleague stated that they did not see a history or current information that my account has ever been in collections and this account has always been in good standing. It has always reflected from the Credit Bureaus as paid on time and there is currently no accounts that I have that are in collections. If this account closes this will affect my credit adversely and lower my credit score and I have never been delinquent. I just spoke to another representative XXXX on today and she asked for the expiration on my card and that they will apply for it to be opened when it expires. However, I am a concerned citizen if I have never missed a payment and I am responsible with my credit on this card why is it being closed like this and will thus affect my credit score that I value. This has the potential to cause a difficulty in my life if I have to apply for other credit due to this closing and it affects my credit and lowers my score. I would like a valid reason as to why this is being done. If you check my credit none of my credit cards are delinquent or in collections in anyway.
Product: Credit reporting

On XXXX XXXX 2014, a car dealership ran my credit XXXX times in 1 day by mistake. They thought my dad was me and kept running my credit trying to get my father a loan. so I never tried to get any loans so my credit should n't have been ran XXXX times. so all XXXX credit inquires on XXXX/XXXX/14 are not mine and should not be on my credit report
Product: Mortgage

I recently requested a forbearance extension from Rushmore loan management and was told that it was denied by the owner of the loan. There was no further explanation. When I called to discuss this I was told that most likely forbearance were no longer being offered. I would like to appeal their decision and request a forbearance extension. I am only working part time due to my ssi XXXX and can not yet afford my mortgage payment.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block, ink. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to 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 Election Fund Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss, and I seek redress for theses violations.
Product: Credit card

My Capital One credit card was lost or stolen and I have been trying to resolve this issue for three month now. I still have charges which were not resolved. My phone calls were transfered from one department to another and still were not resolved.
Product: Credit reporting or other personal consumer reports

I am writing to report that I have been a victim of identity theft. This letter serves as a formal dispute regarding the following accounts on my credit report. I have already contacted the company directly, as instructed, to address this issue. Additionally, I have filed an identity theft report with the FTC and have contacted the company to dispute the erroneous information on my file. The bank already deleted the accounts after receiving the documentation I forwarded to them. Also, these accounts are no longer reporting with other bureaus. So, my question is why do you still have the nerve to continue reporting these fraudulent accounts? Please have these accounts deleted for once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Credit Inquiry Made Without Permissible Purpose To Whom It May Concern, I am writing to dispute a credit inquiry made by Discover Financial Services, reflected on my credit report with an inquiry date of XX/XX/XXXX, and a removal date of XX/XX/XXXX. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), you are required to have a permissible purpose to access my credit report. I do not recall authorizing Discover Financial Services to conduct a credit inquiry, nor do I have any existing business relationship or credit application with your institution that would justify this inquiry.

Violation of FCRA 1681b Under the FCRA, a permissible purpose to obtain a consumer report includes : A credit transaction initiated by the consumer. 
A firm offer of credit or insurance. 
The consumer 's written consent. 
A legitimate business need in connection with a transaction initiated by the consumer. 
Since I did not initiate a transaction, apply for credit, or authorize this inquiry, it appears that this credit inquiry was conducted without a permissible purpose, in violation of 15 U.S.C. 1681b.

Request for Resolution I request that you : Provide evidence of the permissible purpose that justifies this inquiry, including any written authorization I may have provided. 
Remove the inquiry from my credit report if no such evidence exists. 
Provide written confirmation of the steps you have taken to address this issue. 
Compensate me {$1000.00} for violating my consumer rights under the FCRA, as this unauthorized inquiry has caused harm to my creditworthiness and financial standing. 

Please respond to this letter within 30 days of receipt. All correspondence can be sent to the address listed above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX IN Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I reported this problem to you previously and was told it would be removed and it is back. 

I am divorced. my ex-husband has a credit card that he obtained without using my credit to get the card. It is with XXXX XXXX. I am not on the account and have never had a card for the account. In our divorce, he stated that it was his account and he took all responsibility for that credit card. It is in the divorce decree. Experian is reporting that XXXX XXXX says I have an open account with them for a balance of {$11000.00}. I don't have that account and I never have. I'm not able to access the account, use the account or pay on the account.
Product: Debt collection

World Finance responded to my complaint alleging I still indebted to them but failed to address rather the contract in question is the in fact the security. If World Finance loaned me money by federal banking laws they should have insurance under FDIC to ensure each customers account in case of default. Is World Finance a bank? If not what banking service loaned me the money you are alleging I owe so I may contact them to get proper documentation to prove this was actually a loan given to me because I have reservation that World Finance did not disclose that the contract is the security that they are using to trade which is subsequently the reason it is sold to outside companies because they then can use it for profits. World Finance stated they sold the contract to a debt collection company but I pulled their original business incorporation and they did not disclose to the state that they would be selling securities nor the debt collection company listed as a party of the business so what authority do they have to sell off my information or my business dealings with them. I have filed a complaint with the state attorneys general to look into your business practices because this is fraud and theft by conversion trying to force me to pay a debt I do not owe and using the same contract they they issued for profits without stating this would be done. If the contract isnt the security why is it sold to the debt collector.