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

I am writing to address a matter of utmost concern to COMENITYBANK/KAY regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that COMENITYBANK/KAY conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds wirhin 24 hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX 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. These are the accounts I marked as inaccurate XXXX XXXX XXXX, and XXXX XXXX credit card. And Hard inquiries. 

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Product: Mortgage

Needed to get an approval for a mortgage before making a offer to purchase a new home. After submitting irs 1040 's, bank stmts 1099 's and ssi they said we were approved for the loan. The DTI was 48 %. went from XXXX  to XXXX to purchase a new home. The appraisal was in line and accepted. An offer was made on a property and accepted. 
Paid for an inspection report, Lawyer & appraisal. The major complaint is why did they issue an approval and then denied the loan at the end. Spent thousands because of their incompetence.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX, my sister received a refund from her school which she transferred to my bank account. The amount sent to me was in 2 transfers. One for {$1500.00} and the other for {$500.00}. I then transferred the money back to her via Venmo in 4 payments, 3 of {$500.00} and one payment of {$480.00}. We then went to XXXX and her Venmo debit card kept declining but she had more than enough money to make the purchases, so she sent the money back to me in the amount of {$430.00} and when I tried to make the purchase using my Venmo debit card the card declined for me also, so I tried to transfer the money back to my bank account and Venmo declined my transfer. So we went online to try and make the purchases and they kept declining. We think, at the time, that maybe its just XXXX processors because thats what the customer service agent told me could be a possibility because on their end there was nothing wrong with my account. So my sister went to XXXX  XXXX  website and bought a tv with her Venmo card and the purchase was successful so she tried to make another tv purchase for our new home and it then declined. She she sent me the money back for the tv in the amount of {$360.00} and we used my card to make the tv purchase with XXXX XXXX for {$180.00}. And it was successful. My sister then sent me 2 more transfers, one for {$120.00} and another for {$600.00}. Venmo has since then frozen my account for apparent violations of user agreement but when I spoke to a representative, the rep could not tell me which of these user agreement terms I violated and had no information about what was going on with my account. When I asked to speak to a higher up, she then told me that she could not transfer me to a higher up and when I asked to speak to their fraud department, she claims that the fraud department does not have any phones and is unreachable at all and that I had to wait for the email from the department which I received this morning claiming that because of these violations they have closed my Venmo permanently and that they will be holding my funds for up 180 days while they investigate the claims against me, although on Friday when I receive an email about my funds being frozen, I sent my state ID as proof of who I am. Venmo claims that they are also no longer able to assist me with this situation.
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done honestly, correctly ( on time ), completely, and accurately as well, otherwise I will have to escalate these issues to the CFPB, FTC, and my Attorney General. It is not complete and does not meet my standards as required by law.
Product: Payday loan, title loan, or personal loan

I applied for, and was approved for a PPP loan. I have signed the promissory note. I have not received the disbursed funds, which as far as I understand, constitutes bank fraud. 

The bank in question ( Customers Bank ) offers no way to contact them, other than a webform, which I submitted a week ago and I have not gotten a response. Their phone systems only allow a voicemail to be completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, MD XXXX XX/XX/XXXX  XXXX XXXXXXXX Balance : $ XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX  XX/XX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this letter serves as my formal response to your correspondence dated XX/XX/year>, regarding my complaint under Case # XXXX. I am writing to reiterate my concerns and demand immediate enforcement of my rights under federal laws, including the Gramm-Leach-Bliley Act ( GLBA ) and the Right to Financial Privacy Act ( RFPA ). 

Violations of Privacy and Reporting Obligations Under 15 U.S.C. 68016809 ( GLBA ) and 12 U.S.C. 34013422 ( RFPA ), financial institutions are mandated to ensure the security, confidentiality, and proper handling of nonpublic personal information. Based on your correspondence and my ongoing concerns, I have identified the following critical violations : Unauthorized Sharing of Information : Nonpublic personal information was shared with non-affiliated third parties without my explicit consent, in violation of 15 U.S.C. 6802. 
Inaccurate Credit Reporting : Accounts reflect charge-offs and other derogatory information that are both incorrect and damaging. 
Failure to Honor Opt-Out Request : My formal opt-out request regarding the sharing of nonpublic information has been disregarded, violating 16 CFR 313.1 and 16 CFR 313.7. 
Demand for Immediate Resolution To rectify these violations, I demand the following actions :
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment complex, XXXX XXXX, who uses FABCO for their third party screening. I applied and was approved at the end of XXXX. The FABCO  inquiry shows on my XXXX   credit report. Less than a month later, XX/XX/2018, I notice a second inquiry from FABCO  on my report. I quickly called FABCO  to inquire about the second inquiry. They stated they would only request a copy of my credit, under the direction of the asked company, which happens to be XXXX XXXX. I called the leasing office. Everyone in the office denied the claim. I later emailed the emailed the leasing specialist. She admitted to sending a second inquiry about my credit score via email. She stated it was an accident. I emailed the property manager. She stated that she would reach out to FABCO  and let them know this was an inquiry in error. I also sent a dispute letter to XXXX which was delivered XX/XX/2018. Since then, the inquiry has remained on my credit. XXXX  has not informed me the dispute is open. It's been past 30 days since the dispute was received and still remains on my credit.
Product: Credit reporting or other personal consumer reports

I am a victim of ID theft and Transunion will not remove this inaccurate information
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. Also waited the 180 got the email saying my funds are available but still i hace call and they just keep giving me the run around My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are all reporting as closed and profit and loss write off with a balance. They filed profit and loss wrote off with the IRS which means I should be given a 1099 to file with my taxes. They should not be reporting the amount on my credit report thats tax fraud.
Product: Debt collection

I hope this letter finds you well. I am writing to address a discrepancy on my credit report concerning a late payment that has been inaccurately reported. Upon reviewing my credit report, I noticed that there is a record of a late payment that does not accurately reflect my payment history. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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 XXXX XXXX
Product: Debt collection

Checking my XXXX and XXXX credit reports today, I saw a collection from " Vance and Huffman LLC '' that was placed on my credit report on XX/XX/year> according to their own listed information. I have saved screenshots to prove this. Not only do I not have any knowledge of this alleged debt, but I have never received the initial notice REQUIRED under the FDCPA under 15 U.S. Code 1692g. Companies are REQUIRED to send notice within XXXX  days of initial contact and this has been on my credit report according the collector since XX/XX/XXXX. I have checked all my email categories and I've lived at the same address for almost XXXX  years so there's no issues with postal mail. This has caused XXXX XXXX and difficulties with employment. I had no way to seek validation of the debt nor even any notice of this alleged debt. I went through all XXXX complaints on the database against this company and see that this is their standard mode of business. I am shocked and feel deceived by this company. I am aware I can file a lawsuit and seek not only attorney fees, but also non-economic damages according to many courts and even punitive damages. This needs to be removed from my credit immediately. Such activity is contrary to federal law and abuses consumers who are trying to rebuild their lives. Please sanction this company who continues to do this to unknowing consumers as is evidenced by the countless complaints against this company on the CFPB database.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report. After reviewing my report, I noticed an account listed under [ XXXX XXXX ], account number [ XXXX ], which was sold to a debt collector. However, I want to emphasize that this debt is not mine. 

I request that this account be investigated promptly and removed from my credit report as it does not belong to me. Please provide me with information regarding the steps taken to resolve this dispute. 

Enclosed are copies of relevant documents supporting my claim. If further information is needed, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit card

On XX/XX/ we purchased windows from the Home Depot install service in the amount of {$16000.00}. The purchase was paid for with the Home Depot credit card serviced by Citi Bank. The payment terms were 24 months zero % interest, we made the payments on time. The Home Depot install service installed defective windows that did not pass the XXXX XXXX building inspection on XXXX XXXX XXXX  The Home Depot installation service refused to do the required warranty work and we received a certified letter dated XXXX XXXX XXXX  denying our request for warranty work to repair the windows that did not pass inspection. I filed a dispute with the Home Depot Credit Card company. When the dispute was filed there was remaining balance of {$13000.00} on the credit card and we had a credit balance of {$3600.00} due to us. The Home Depot install service sent a certified letter to me and to Home Depot credit card company dated XXXX XXXX XXXX The letter was addressed to XXXX XXXX that has never been a name associated with me. The letter was filled with many untrue facts about me and my husband so they could prevail in the dispute. When the dispute ended the Home Depot Citi card charged our card an additional {$16000.00} which resulted in a balance of {$29000.00}, the charges are fraudulent. The Home Depot Citi Credit card refuses to remove or allow us to dispute the charges and they told us to talk to Home Depot to get them remove the charges. We also were told by the Home Depot Citi credit card employee to file a complaint with The Federal Trade Commission and file a dispute with the credit bureau. How can the credit card get away with charging us an additional {$16000.00} when we did not purchase any additional items using the card. We are XXXX on a fixed income, this is a total scam that has resulted in financial hardship for our family.
Product: Debt collection

The amount on collection is not the right amount, according with my personal health insurance information
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 3 companies that I reached out and made a settlement with : ( A ) XXXX XXXX ( B ) XXXX ( C ) XXXX But I see it on my records as derogatory status. All 3 agencies have it and they need to update their system
Product: Debt collection

I received a phone call from this debt collector attempting to collect a debt from me. I am for certain that I do not owe your company any money. I have never done business with you. In fact, I had never heard of your company until having received a call. What I find strange is your attempt to collect the debt with me when I don't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I've done some type of business with you, hence owing you money. I do not have a signed contract nor any contract with CREDIT COLLECTIONS USA. I have never done business with this company. I am not liable for collection from this debt from CREDIT COLLECTIONS USA. I am not responsible for this debt with CREDIT COLLECTIONS USA. Also upon further review of my own this company is to furnish me with verification/valdiation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are reporting inaccurate information on my credit report. They are reporting recent lates on my credit file for XXXX and XXXX on student loans on Department of Education. I was never late. I have talked to department of education and fixed it with them. They should not be reporting this on my credit and this needs to be fixed.
Product: Checking or savings account

I did not receive my direct deposit yesterday, and received a notice last night stating My deposit would be available today. It did not come into my account today nor does capital one have a direct answer when I will receive my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXX XXXX XXXX XXXX XXXXXXXX mentioned accounts.
Product: Debt collection

Received Collection notice from Penn Credit Corporation Ref # XXXX on XX/XX/2022. Letter is dated XX/XX/2022. trying to collect a debt for XXXX XXXX Acct # XXXX that was opened in my name in Texas. I live in Pennsylvania and have never been to Texas. I believe my identity was stolen and have made a police report. I am sending Penn Credit the required information on XX/XX/2022 that they requested for correct this error.
Product: Checking or savings account

Bank of America honored a levy being placed on my account that was not a court issued document. I have a copy of the fictitious charge that only displays my SSN and name. The Indiana Department of Revenue requested my address to prove that the charge did in fact come from them. The company that placed the charged on behalf of the Indiana Department of Revenue was XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America never had an Indiana Address on file for me to honor the charge nor was the address provided on the document. The charge was for a bank freeze on two of my checking accounts for the same amount. The bank was contacted by myself and the only document they could provide had no legal authorization signed by a Judge or any court in the State of Indiana. Charging me the following amounts and fees : Account # XXXX Account # XXXX XX/XX/XXXXXXXX ( Hold ) XX/XX/XXXX XXXX ( Hold ) XX/XX/XXXX XXXX legal order fee XX/XX/XXXX XXXX Legal order fee LTS Can provide the document upon request. Total amount charged to me was for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Could not purchase vehicle due to erroneous credit file freeze by one Third Party reporting XXXX via XXXX XXXX and XXXX- XX/XX/2019. We, I, US have never had any personal contact with this service or organization and we purchased a vehicle just two weeks ago and this did NOT come up! XXXX credit report significantly lower causing major financial impact!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email yesterday XXXX  Saying that i have a new hard inquiry on my credit report from comenity capital bank a loan i never requested It. And i need that removed from my credit report please asap cause its affecting me with my home purchasing loan.