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

I am presenting this follow-up complaint concerning the XXXX and Equifax Credit Bureaus , in collaboration with the CFPB 's assistance. I previously informed the two credit reporting agencies ( CRAs ) about being a victim of identity theft. This serves as an additional request to have the inquiries resulting from the alleged identity theft blocked and removed from my credit report. It's imperative that these specific inquiries be blocked and removed within the designated timeframe. The identity theft report has been included in my prior complaint, and I am attaching it once again for reference. Additionally, the information provided by XXXX and Equifax regarding these inquiries is unfamiliar to me. Furthermore, this data had already been eliminated by other bureaus individually. Consequently, I have reservations regarding the accuracy of the information they are presenting for each of these inquiries. Please see below are the listed remaining fraudulent inquiries that the XXXX and Equifax Credit Bureaus NEEDED to remove : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX
Product: Credit card or prepaid card

Since I received this unsolicited credit card I have routinely paid off my balance each month and have never been charged interest. However, on several occasions the on-line payment system has failed to allow me to pay. The official reason is that it does not " recognize '' my computer or IP address. However, I have used the same computer and IP address for every payment. this has caused a lot of wasted time, distress, etc. 

Most recently, I tried to make a payment due on XX/XX/XXXX and could not do so. I kept getting error messages and finally made the payment around XXXX eastern standard time. I was told that because the payment was made 10 minutes after XXXX o'clock it was late and I would be charged interest. I was subsequently charged almost {$60.00} in interest that I should never have incurred. 

This is just one of several ways this company has breached its contract with me - in each case trying sneaky maneuvers to generate interest on my account.
Product: Debt collection

XXXX XXXX XXXX should be violated in New York just like XXXX XXXX was there high interest rate and demanding money I didn't understand they don't have the right social security number on file I want that off
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an unauthorized inquiry from Huntington Mortgage on XXXX/2018 that has been posted on my credit report. I have contacted all three credit bureaus to have the inquiries removed, but all have failed to assist with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out a car loan app at XXXX XXXX, they keep saying they have not received a response from GM Financial but I keep getting multiple inquiries on my credit profile. This is not fair inquiries account for 10 % of credit and having a lot of them is a reason for denial while trying to get a loan. They are hurting me financially and Im a mother of XXXX children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately onmy credit report and it is in violation of The Federal Law. This is in Violation under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Here are the following accounts : -XXXX XXXX XXXX # XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Consumer Loan

Tuesday XX/XX/XXXX, my car a XXXX XXXX XX/XX/XXXX was repossessed by Fifth Third Bank. I purchased the car from XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fifth Third Bank claimed there was a lien on the car from the previous owner. I have a lien release from Fifth Third Bank stating that the loan obligation was paid. My loan is with XXXX XXXX XXXX XXXX and XXXX has a lien on the car. I have a copy of the title in my name with XXXX as the lien holder. I 've made several attempts to contact Fifth Third Bank trying to resolve the situation. They refuse to speak with me due to the fact that I am not a customer of them. I 've spoken to the DMV regarding this matter, but they can not help with this issue. The bank also refused to speak to a legal attorney XXXX XXXX, who has sent several notices to them regarding this matter. I am currently paying a car note and insurance for a car that is not in my possession. I tried to cancel the insurance and registration but it can not be done without the license plates which Fifth Third Bank has refused to hand over, along with personal belongings which was left in the car.
Product: Credit reporting or other personal consumer reports

I opened a credit card with Suntrust bank probably XXXX or 11 years ago. I never had XXXX late payment with Suntrust in all of those years. I paid the card off and quit using and actually asked Suntrust to close the account. In XXXX of 2020 I lost my job with my employer of XXXX years and moved to Florida XXXX Sometime during that transition Truist acquired Suntrust and sent me a Truist credit card. The card never made it to me as they put the incorrect address on the card. When they opened that account apparently they charge a yearly fee for the card, and sent me a bill to the wrong address again. They did not have a working phone number or email address for me. I confirmed that with Truist. The email and phone number on file with Suntrust was my old company phone and email of which I no longer had. 

In XXXX of this year I got hit with a 30 days past notificiation and my XXXX XXXX took a nose dive from nearly XXXX to XXXX. The total owed to them was {$110.00}. I had no idea that this account had been opened, and considering I had never been late for a Suntrust payment - had I known I would have cancelled the card after paying that balance. I pride myself in on time payments and was en route to getting my XXXX XXXX to an XXXX. 

When I spoke to Truist and explaned that I had never been notified via email, telephone, or snail mail they did let me know that they did have my wrong email, phone number and incorrect address of which they said several pieces of mail had been returned to them undeliverable. They said there was nothing they could do to correct this. i went ahead and immediately paid off the bill and am looking to you guys for assistance. 

It is my understanding that this happends often when banks are acquired. Please give me a call if you have additional questions. My cell number is XXXX Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan online, which was approved for {$1500.00} that was to be deposited into my account, i gave all the info they requested for the transfer, they stated it could take up to 3 business days, in which the 3rd day being Monday, XX/XX/XXXX XXXX There wasn't any funds of that amount in my account, i reached out through their customer service and was told the funds had been sent and my obligations are in affect but i didn't receive any money, but now i owe for that loan+interest, i didn't get my personal issues situated and am in very serious anxious for this has primarily threatened my home/living status,, meaning I'm on the verge of being homeless with severe medical issues that will be very dangerous and life threatening.. I need that loan to keep a roof, for safety and for medical necessities..
Product: Money transfer, virtual currency, or money service

( 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 and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procr 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

certified mail on XX/XX/year> Lvnv funding Subject : Formal Dispute and Debt Validation Request To Whom It May Concern, I formally dispute this alleged debt in its entirety and demand full validation under my rights provided by the Fair Debt Collection Practices Act ( 15 USC 1692g ). Until you provide complete verification, you must cease all collection activity, including reporting to credit agencies.

Required Information ( To Be Completed by Your Office ) : 1. Date this alleged debt became payable : 2. Date of original charge-off or delinquency : 3. Was this debt assigned to a debt collector or purchased?

4. If purchased, amount paid for the debt : 5. Commission earned if collection efforts are successful : Requested Documentation ( Attach Copies of the Following ) : The agreement between your office and your client that grants you authority to collect this alleged debt.

A signed agreement between myself and your agency or any verifiable proof that I have a contractual obligation to pay you.

Any contract or agreement bearing my signature that establishes I agreed to pay the original creditor.

All account statements from the time this account was open. 
Documentation of any insurance claims made by any creditor regarding this account ( Yes/No ).

Judgment records, if any, obtained by any creditor regarding this account ( Yes/No ).

The name and address of the bonding agent for XXXX XXXX XXXX, in case legal action becomes necessary.

Response Deadline and Legal Notice You must return this completed form along with all requested documentation within 30 calendar days of receiving this letter. If you fail to comply, you must immediately delete and remove all references to this account from my consumer credit report and provide written confirmation of the deletion. 

This letter is CCd to the Bureau of Consumer Financial Protection, and I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and my legal counsel if my requests are not met. If you fail to comply, I may pursue legal action under 15 USC 1692k for all violations and damages caused by your failure to adhere to the law. 

Upon receiving my documentation, I will require at least 30 days to review the information, during which time all collection activity must cease. Any reporting of unverified or inaccurate information to credit bureaus during this validation period will be considered a willful violation of the Fair Debt Collection Practices Act ( FDCPA ) and may result in further legal action.

I expect a timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I did not get a response within 30 days and you all are required by Law to do so. Please investigate my disputes. Please. Thank you
Product: Checking or savings account

Recently I use a refer link from my friend to open a XXXX saving account. I opened the account smoothly and deposit XXXX dollar in the first week. Everything looked fine until I deposit another amount of XXXX $ from my original payment account into this one.Both deposit are made by the same account but now they have locked my saving account. 

I phone them fist a week ago but they are unable to send me a verification code for a reason they can not say. They keep asking me if I have any other phone numbers but I only have one us phone number. 

I asked for any other alternative verifying but XXXX has transferred 6 different agents and told me the only other way I can get my money back is to close my account. After waiting for another half an hour when they proceed to help me close my account they still say they need to verify my identity for closing the account. 

They told me that they now started a case to investigate the process but XXXX agents are unable to answer me any questions regarding how long the investigation will take and when will I close my account and how I can track the process. 

I really hope someone could help me out because I am still a university student and these are the amount of money I need to depend on for the summer.
Product: Debt collection

The debt was charged off and no 1099-C was not mailed to me. The debt has already been charged off.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, Equifax and XXXX regarding a Public Record ( Bankruptcy / Ref XXXX ) that is being reported on my credit files. They have all responded that the information was verified and accurate, however I have contacted the court and their response is enclosed. It is clear they do not report or verify information to any credit bureau. Therefore the information that is being reported is false, and has not been verified, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED immediately.
Product: Credit reporting or other personal consumer reports

I have a report on my credit about a loan I never sign for or had any knowledge about. My ID was stolen, and information hack with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX  and Experian and asked them all to correct the inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I submitted a dispute detailing which items I felt were incorrect on my credit report. I then get a letter from Experian stating that my dispute seemed suspicious and that I should call them. I called them and the recording stated they were not taking calls from my area code. I sent them my dispute XXXX days ago and they send me what seems to be a letter disputing the validity of my dispute assertion. They failed to even investigate and give me a reference number for their communique on XXXX XXXX which did n't arrive until XXXX XXXX. I see they have only XXXX days left to investigate my dispute.
Product: Checking or savings account

Someone transferred {$1000.00} out of my account and the banks keep telling its no error and I have a police report for it.
Product: Debt collection

Car was repossessed in the process of me dealing with an out of state child custody battle. I wasn't informed the car was repossessed until my cousin called and notified me. I was out of state when it happened and couldn't return due to court orders. I was unable to leave the state per the judge until the custody battle was over which was a year later. When I moved to XXXX
Product: Debt collection

I called XX/XX/XXXX to make payment arrangements per the company website. I was told to call back when I could make a payment. I was also told that depending on the payment amount I could make I would then be able to enter into an informal or formal repayment arrangement. I was told I would receive the certified letters and phone calls even though I had called in and made informal payment arrangements. When I called today, XXXX XX/XX/2019, I was not able to use the automated system or the online system. I was also not allowed to make a payment by calling the number the automated system referred me to : XXXX. I was on hold for over 30 minutes and then when I did get a representative she had no idea of my earlier call or the arrangements. I as told by this representative that I would be told what they could accept. I told her I literally had only {$3.00} available today but I wanted to get started on getting my account back to current. She refused to accept my payment and said $ XXXX, was not enough for them to accept any payment from me. I asked for a supervisor. She tried to continue to talk to me about paying more. I told her I literally did not have anymore today but would call back again. She laughed at me and then after I asked twice more she sent me to a supervisors voicemail. I left a detailed message with my name, account number, phone and the issue I was having. I requested my account be paused as the supervisors voicemail says it will take 24-48 hours for her to even return my call. They ahve people coming to the property and leaving door hangers that say it is urgent i call with just a handwritten phone number, no name, mostly in XXXX. When i call it is the debt collection line for delinquent accounts at guild mortgage.
Product: Checking or savings account

Navy Federal charging additional overdraft fees having me have to call several times. In violation under 1053 and 1055 of the consumer Financial protection Act of 2010, 12 U.S.C 5563,5565 section 1063 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C 5536 ( a ) ( 1 ) ( B ) which they have admitted these violations via the Consent Order.
Product: Debt collection

I was contacted by Phoenix Financial Services LLC stating that I owed a debt that was closed over a year ago. I informed them that the debt was paid in full and requested information to forward them proof of debt paid. While I was waiting for the XXXX balance letter and copy of account paid from the original creditor, I submitted a photo of my bank statement showing proof of payment. They did not contact me again until the 30 days was up, or request any other kind of proof. They then attempted to contact us again saying that it was a valid debt. We were advised by the original creditors that Phoenix Financial Services LLC is not a collection agency that they use for collections and that more than likely they were attempting to fraudulently collect information. When I informed them of this information they became combative and told me that the debt was valid and refused to give me information from the company that was requesting the debt paid. I forwarded them the additional documents proving that the debt was paid in full, and they responded by reporting to the Credit Bureaus as a valid debt.