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

Subject : Request for Assistance Regarding Incorrect Reporting of Credit Delinquency I, XXXX XXXX, am writing to address a series of issues related to my account, previously held with XXXX XXXXXXXX under the XXXXXXXX XXXX XXXX, which subsequently transitioned to Goldman Sachs in XX/XX/2022. 

For a period of eight years prior to this transition, I was a responsible and compliant account holder with XXXX XXXX. However, during the course of the transition to Goldman Sachs, which lasted approximately 3-4 months, I encountered significant and unexpected difficulties. 

Access to XXXX XXXXXXXX Account : Throughout the transition period, I was unable to access my XXXX XXXXXXXX account. This prevented me from viewing my balance, paying my bills, or managing any other account-related matters. 

Failure to Receive New Card : Despite diligent communication with Goldman Sachs ' customer support, I did not receive my new card. The support staff repeatedly assured me that the card was on its way, only to later discover that it had been sent to an outdated address. 

Delays in Addressing the Issue : The eventual realization of the mistake by Goldman Sachs led to further delays. The process of receiving my new card and accessing the newly switched Marcus account was fraught with unnecessary challenges. 

Credit Report Impact : During this period, I received a credit report indicating serious delinquency on this credit card account. This was alarming, given my otherwise perfect payment record on this and all other credit cards under my name. Though I promptly paid the outstanding {$30.00} balance upon finally gaining access to my account, the delinquency had already been recorded on my report. 

Impact on Mortgage Application : This erroneous delinquency has had a direct and adverse impact on my attempt to purchase a house, as it reflects unfairly on my creditworthiness. 

Unsuccessful Attempts at Resolution : Despite my best efforts to reach out to the concerned parties and seek resolution, I have been met with resistance and inaction. 

In light of the foregoing, I respectfully request your intervention and assistance in resolving this matter. I believe that the facts clearly demonstrate that I am a responsible consumer who pays debts in a timely manner, and that this incident is an aberration resulting from circumstances beyond my control. 

Your prompt attention to this matter will not only correct an injustice but also facilitate my ongoing efforts to purchase a home. Please find enclosed relevant documents supporting my case. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Upon a detailed review of my credit report, I found several accounts that appear to be inaccurate and were added without my consent.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found unauthorized inquiries on my credit report. The inquiries took place XXXX. The Companies are XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX FCRA LAW 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of Credit Reporting Agencies
Product: Payday loan, title loan, or personal loan

XX/XX/2018 loan for {$550.00} paying a total of XXXX at end of term in interest I paid the first payment and the second payment ive defaulted and within a day they are harrasing at work calling and thats not acceptable and messaged me saying they will not go away that they will call work and ask for my supervisor to collect.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A )  your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract form of any accounts that you post on my credit report. 

I am requesting to see verifiable proof of the original consumer contract with my personal signature on record. I have listed below the accounts that are still on my credit report that are not my accounts, and need to be removed promptly. Under FCRA unverifiable accounts must be removed. I have NEVER had any accounts opened at XXXX XXXX. This has lowered my Credit 17 Points and this is NOT my debt. 

This was not my bill and there was no proof given that it is. I have send multiple certified letters and this still remains on my credit. Please delete this off my account if you can not verify physical records, this is affecting my credit, Account XXXX  XXXX  XXXX XXXX Ohio Not my Account/Remove
Product: Checking or savings account

After making 3 wire deposits from XXXX on XXXX XXXX, XXXX & XXXX and sending 3 wires on XXXX XXXX, XXXX & XXXX to resolve business legal problems Chase security restricted my account on XXXX XXXX. I had spoken with Chase security at length about this on the XX/XX/XXXX. I was told nothing would be allowed in or out of my account and it was being closed. Chase proceeded to accept my payroll check LATE on XXXX XXXX. Chase also has not accepted to pay my final check number XXXX to XXXX XXXX XXXX for {$61.00} even though there is enough money in the account to do so. I spoke with Chase customer service on XX/XX/XXXX asking when I will receive the balance of my funds and if they will pay my final check which I mailed on XX/XX/XXXX. They will not release my funds I am told until they compete an investigation even though by their words should have never accepted my payroll check.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX 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 reporting or other personal consumer reports

We received an alert from XXXX, TRANSUNION, XXXX regarding some accounts in the name of XXXX XXXX & belonging to XXXX XXXX. It appears that XXXX, TRANSUNION, XXXX is in possession of some accounts but has not submitted any proof of the right to claim the legal title. We did not authorize XXXX, TRANSUNION, XXXX to hold the accounts. I need further clarification of your possession and who authorized this without the consent of the XXXX XXXX. Additionally, if you don't have any proof of this, we would like to further connect with you as you have agreed to be our agent and we graciously accept your role and welcome you to do what is in our best interest. I will send over a updated agreement for possession of trust property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX and is reporting fraudulent account and misleading tradelines I have know knowledge of an obligation to them.

Pursuant to 15 USC 1692a ( 3 ) as a consumer I am not obligated nor responsible to pay you this NOTICE is to inform you that I refuse to pay the alleged debt that you are attempting to collect in the amount of {$1400.00}. You are now on notice to cease and desist all communication. attempting to collect on this account is racketeering activity according to 18 U.S.C 1961 ( 1 ), also your conduct is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. You are also in violation of 15 U.S. Code 1692f for putting your logo on the letter sent to me. I am aware of XXXX XXXX XXXX Employees using material misrepresentation for their financial gain which is in fact fraud. I am also aware that my SSN Number belongs to the social security Administration and anything purchased with that identifying number is an obligation of the UNITED STATES in accordance with 18 USC 8 and being that XXXX XXXX XXXX Employees/agents is attempting to collect an alleged debt from me the consumer makes you guilty and in violation of the False clam act 31 use 3729 - 3733. I am invoking my specify remedy as a consumer pursuant 15 USC 1692c ( C ) and I am demanding you do the following.. 

Cease communication from me and from all mediums Within 5 days Provide Validation of Debt pursuant to 15 U.S.C 1692g Notarized Ledger from accountant with firsthand knowledge. 
XXXX XXXX XXXX.
Product: Debt collection

I received a notification from the Credit Bureaus that the Company Deville Asset Management has flagged my accounts for collection. I never received any letters with any chance to verify this. I disputed this company earlier this year for failing to provide my signature proving that I owe them anything. They also removed this from my report. I received a notice on XXXX XXXX, 2017 which I will attach. They have violated the FCRA on reinsertion, and have also failed to provide me with any proof that I have business with their company.
Product: Vehicle loan or lease

XX/XX/XXXX - Bought a new XXXX XXXX XXXX for {$24000.00} ( out of the door ) but I put a down payment of {$6000.00} which left my vehicle loan to be {$18000.00} at the XXXX dealership located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX . I signed the contract and went home. When I came home, my family checked out the contract and saw a {$3400.00} service contract charge which I never agreed to and advised me to contact the dealership as soon as possible to correct this issue. 

XX/XX/XXXX - I went to the XXXX dealership to cancel the {$3400.00} service contract charge and the financial advisor agreed to cancel the charge and asked me to sign a cancellation form which I did, which the charge should've been cancelled effectively as of XX/XX/XXXX but he kept the cancellation form and never gave me a copy of it at that time. 

XX/XX/XXXX - Some time in XXXX, I received the XXXX statement and the {$3400.00} service contract charge is still on my vehicle loan account so I went to the XXXX dealership on XX/XX/XXXX to inquiry about the service contract charge not being removed/cancelled from my account. The dealership provided me a cancellation form on this date but it was the old one from XX/XX/XXXX which they've changed the the date from XX/XX/XXXX to XX/XX/XXXX which is misleading, deceptive and manipulation. 

XX/XX/XXXX - I called the bank, Santander Consumer USA, to inquiry why the {$3400.00} service contract charge is still on my account despite me asking the XXXX dealership to cancel it on XX/XX/XXXX but the bank told me to contact the dealership as they have nothing to do with it being removed. The Santander Consumer USA bank representative also gave me a complaint confirmation number which is XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my credit report today and i found out that Equifax is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. 
i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. 
i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.
Product: Credit reporting or other personal consumer reports

I moved out of a rental house in Washington DC in XXXX. Prior to moving I had signed up for XXXX XXXX and had paid the monthly bill. The roommates remaining at the residence wanted to continue the service. Prior to moving I called XXXX with one of the remaining roommates and requested they remove me from the account and add her to the account. XXXX confirmed this would be done. 

From XXXX through the beginning of XXXX I received no communications from XXXX regarding this account, which had been current when I left the residence. At the start of XX/XX/XXXX I began receiving collection notices from XXXX stating that I owed an unspecified amount on the XXXX account. 

I repeatedly requested any verification of the debt, and requested that XXXX communicate with me in writing. To date I have not received verification of the alleged debt, and XXXX has continued to call me in relation to the alleged debt, with the most recent phone call coming on XX/XX/XXXX. 

On or about XX/XX/XXXX, XXXX reported to the credit agencies that I owed an unpaid balance of {$4500.00} on the account. I disputed this report with all three credit agencies. All closed my complaints with no change to my credit report, and did not provide any information to me from XXXX, nor request any additional information from me.
Product: Mortgage

Citizens One XXXX  took over my loan from XXXX XXXX XXXX  on XX/XX/XXXX. I have had the same monthly payments every month since then, but on XX/XX/XXXX, Citizens One XXXX XXXX  automatically withdrew {$3700.00} from my bank account without my authorization. My monthly mortgage payment has been the same since we purchased the house in XXXX - {$1400.00}. I immediately called Citizens One and they said the extra payment was because of an insurance charge for flood insurance. Citizens claimed they did not know that I pay this separately every year. Once I showed proof of insurance, they processed a refund check and sent it back to me through the mail. I also canceled my automatic withdrawals and have been sending my monthly mortgage payments via checks through the mail. For some reason, Citizens One continues to send me monthly statements with extra escrow charges and continues to charge me for insurance and taxes that I pay separately every year and have never paid through my mortgage company.
Product: Debt collection

Dear CPBC Abuse of MIDLAND CREDIT MANAGEMENT. 

I called MIDLAND CREDIT MANAGEMENT ON XX/XX/2019 to inquire about the negative they placed on my consumer file. According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting service could mail in fraudulent accounts. I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) that have on file on the account listed below.

{$1100.00}.

During my call, the phone was transferred to a staff of MIDLAND CREDIT MANAGEMENT named XXXX, and in the course of our conversation while I was making inquiring she called me a an XXXX '' and told me to send her a copy of my social security, and for asking too many questions and hung the phone one me. The time of the conversation was CST at XXXX. I want the verbal abuse to be investigated. 
According to the Consumer Protection afforded by FDCPA section 806. Collection agency are liable to a fine of {$1000.00} if they use any kind of harassment or abuse. MIDLAND CREDIT MANAGEMENT have abused me.

MIDLAND CREDIT MANAGEMENT has not been able to show any foundation or establish authenticity or accuracy of a piece of evidence that I owe MIDLAND CREDIT MANAGEMENT. I therefore demand a thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau. or have any contractual obligation to pay them.

I therefore demand an thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau.
Product: Credit reporting or other personal consumer reports

My credit report has an account listed that appears inaccurate or does not belong to me, which is impacting my credit score.
Product: Checking or savings account

There were fraudulent claims placed on my account, with Bank Of America, for {$1500.00}, {$350.00}, {$350.00}. 
These claims were NOT done by me nor did I have access to the funds or my bank checking account. Someone was using my account and submitting fraud claims that required no information to receive the temporary claims. 

They sent temporary credits for the fraudulent claim in the amounts of [ {$1500.00} ], [ {$350.00} ], [ {$350.00} ] to the account which were immediately taken by the fraud person accessing my account. 

The fraudulent claims were reversed, in XX/XX/XXXX, which I then became a aware of the fraudulent charges, which brought my account to an outstanding balance of negative [ XXXX ] ( taking my personal [ {$1400.00} ] which was previously in my account ). 

As I am trying to have my account back to good standing and explaining these claims were fraudulent charges they will not reimburse me for their faults. I am not being treated fairly in this situation and would like to have the right as a customer to have my previous funds back and have my account in good condition.
Product: Mortgage

I have a mortgage loan that is serviced by XXXX XXXX XXXX. XX/XX/XXXX, I contacted XXXX to inform them that I was switching home insurance carrier and that I would be paying the annual premium of XXXX. I requested a new escrow analysis to determine my new payment amount. In addition, I send them a check for {$1900.00} to reimburse them back for the payment that was made to the previous XXXX carrier. As of today, I have not received a copy of the new analysis or what my new payment would be. I contacted XXXX again on XX/XX/XXXX. I spoke the CS manager and she manually calculated the new payment to be XXXX, however I informed her that the online statement was XXXX. I requested XXXX   reimburse me back the XXXX which was authorized and I would receive the funds in 5 business days. I have grown frustrated with the XXXX due them not being transparent about what my new payment will and the more importantly, the fact that they are still taking including the XXXX in the total monthly payment, even though I paid the full annual premium. The told me that if I pay the premium amount, a new escrow analysis would be conducted and my monthly payment would be reduced and not include XXXX. I felt like they have misinformed me and haven't not very helpful or transparent in addressing my concerns.
Product: Credit reporting or other personal consumer reports

I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.
Product: Payday loan, title loan, personal loan, or advance loan

After talking to multiple customer service Representatives and managers acina keeps taking my payments out late and on random days. I was told it was because by coming from my checking account it was delayed in coming out so I changed it to debit card for payments. Payments still where coming out th next week and not on the agreed on dates.After speak to a different Representative I was told my bank was the reason but after checking with my bank it is acima always taking money out the following week instead of Friday like agreed. It's to the point now that it seems they take money out late on purpose just to get xtra fees but this cycle has now thrown off my budget because I have just enough to pay bills on planned dates. Each time I call to discuss this there is no record of my past calls they say in which I have called and talked to them about 7 times for this same issue this past year!
Product: Debt or credit management

XX/XX/2024 Subject : CFPB to take off negative score. 
To : Credit Union Transunion XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15USC 6802.

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries appearing on my Equifax credit report. These inquiries were made without my authorization and are not connected to any legitimate account or service. As such, they should be removed from my report immediately. I request an investigation into these unauthorized actions and compensation for any potential harm caused. 

Unauthorized Inquiries The following inquiries were unauthorized and/or not connected to any legitimate account or service : 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 Violations and Impact The presence of these inquiries on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit score and overall creditworthiness, causing undue stress and potential financial harm. 

XXXX Laws and Regulations XXXX. XXXX XXXX XXXX - XXXX Purposes of XXXX XXXX : Requires that credit inquiries must have a permissible purpose, such as consumer consent or a legitimate business need. These inquiries were made without my authorization or any permissible purpose. 
XXXX. XXXX XXXX XXXX - XXXX of XXXX Resulting from Identity Theft : Allows consumers to request the blocking of information resulting from identity theft, including unauthorized inquiries. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including unauthorized inquiries.