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

I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX-XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX
Product: Debt collection

Debt is still on reports. This was opened in 2015. It is also a family members debt, not mine. Any and all services from this guy were paid in FULL. I have several family members with the same last name that use this dentist. Also, any and all balances were covered by my insurance at that time. I was in college and I paid yearly to have it. My portion was paid. It is NOT my problem if he didnt get paid xyz from insurance. If in fact that is even the case. That office has been known to double bill and claim insurance isnt covering etc. when in fact, they are covering services. I do not owe this bill!! Ive tried repeatedly to resolve with no success. On top of that, it shouldnt even be on my reports at this point its over 7 years old!!
Product: Credit reporting or other personal consumer reports

The listed creditors are not affiliated with me, and I did not make these inquiries.
Product: Debt collection

Discover violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and California 's Rosenthal Fair Debt Collection Practices Act, Cal. Civ. Code 1788 et seq., by reporting a {$6.00} past due balance to credit bureaus without providing the legally mandated validation notice. As a California resident, I am entitled to receive a written validation notice within 5 days of initial contact regarding a debt. 

The required validation notice must include : 1. Debt amount 2. Creditor 's name 3. Statement of assumed validity unless disputed within 30 days 4. Statement of right to debt verification if disputed within 30 days 5. Statement of right to original creditor 's information upon written request Discover failed to provide this notice, violating 15 U.S.C. 1692g ( a ). Their claim that I opted for paperless statements is irrelevant and does not exempt them from FDCPA compliance. The E-Sign Act ( 15 U.S.C. 7001 et seq. ), governing electronic communications, does not supersede FDCPA requirements for debt validation notices. Courts have consistently upheld the importance of written validation notices ( e.g., Hernandez v. Williams, Zinman & Parham PC, 829 F.3d 1068 ( 9th Cir. 2016 ) ).

It's important to note that while the FDCPA primarily applies to third-party debt collectors, California 's Rosenthal Act specifically extends these protections to original creditors like Discover. This means that in California, Discover is subject to the same requirements as third-party debt collectors under federal law.

The law requires the validation notice to be sent within 5 days of initial contact about the debt, not necessarily before reporting to credit bureaus. However, Discover 's failure to provide this notice at all is still a violation of both federal and state law.

This violation resulted in an erroneous late payment status on my credit report, adversely affecting my credit score and financial standing. My attempts to resolve this with Discover and Equifax have been unsuccessful.

I urge the CFPB to investigate this clear violation of federal and state law, and mandate that Discover remove the late payment status from my credit report due to their failure to provide the legally required validation notice, as supported by case law ( e.g., Russell v. Absolute Collection Servs., Inc. , 763 F.3d 385 ( 4th Cir. 2014 ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$19000.00}, XXXX XXXX Balance : {$410.00}
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX Re : IMMEDIATE BLOCK REQUIRED - Fraudulent Hard Inquiries - Identity Theft Victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX Social Security Number : XXXX Hello : I am writing regarding fraudulent hard inquiries appearing on my TransUnion credit report. Pursuant to 15 U.S.C. 1681c-2, you are required to block all information identified as resulting from identity theft within 4 business days after receiving an identity theft report, and a statement that the information is not from transactions I conducted. 

The following fraudulent hard inquiries XXXX  XXXX  services XXXX XXXX, XXXX XXXX services XXXX XXXX must be blocked from my credit report within 4 business days : I hereby state that these inquiries are fraudulent and did not result from any transactions I conducted. They violate 15 U.S.C. 1681b, which requires permissible purpose for accessing consumer credit information.

Under 15 U.S.C. 1681c-2, you must : Block the reporting of this information within 4 business days Notify the furnishers of the information that it may be the result of identity theft Failure to comply with the 4-business-day blocking requirement will result in legal action for actual and statutory damages under 15 U.S.C. 1681n and 1681o, including potential punitive damages and attorney fees.

Please send written confirmation of the blocking of these fraudulent inquiries within 4 business days. 
Sincerely, XXXX XXXX Enclosures : FTC report
Product: Debt collection

i had a claim on my collections report which I never received a bill from XX/XX/XXXX. They had billed the incorrect insurance. I was not aware it was on my collections until XX/XX/XXXX. I have sent several emails to the billing department including the eob with the payment information and the claims adjustor has sent the payment information including date of service, payment date and date payment was deposited.
Product: Mortgage

PNC Mortgage has refused to remove escrow from my loan. I have owned and occupied my property since XXXX and have been making my property tax payments on my own ever since. I have receipts of these property tax payments that I have made. I currently have a credit on my property taxes according to Office of Tax and Revenue for {$300.00} and I noticed my monthly mortgage payments increased about {$250.00}. When I called PNC about 4-5 months ago to inquire about escrow account and have it removed, I was reassured by several representatives that the escrow account would be removed and I would be able to continue making property tax payments on my own. The last call I made to PNC was XX/XX/XXXX and the rep. stated the removal of my escrow account was denied. The rep. stated letters were sent out XX/XX/XXXX to request proof of property tax payments. I asked the rep. if these letters were certified and she stated the letters came through regular mail, I did not recieve these letters. I have proof of payments and I would have provided these receipts had I known they were being requested. What I am trying to achieve now, is for my escrow to be removed so I can continue making property tax payments on my own and have my monthly payment go back down to its original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked from XX/XX/XXXX through XX/XX/XXXX, apparently. It 's XXXX and they 're just now notifying us of the hack. That 's too long, it 's over a month. I still have n't received a personal email/letter/anything. I had to hear about it on the radio while driving to work. Equifax did set up a separate website, but if you do n't click on exactly the right things in the right order they try to enroll you in something that waives your right to be part of a class action lawsuit, which is nonsense.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX, XXXX, GA XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX Dear Sir or Ma'am, I am taking this time to write you in reference to updating my personal information with your company. Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXXXXXX, NC XXXX Please update to my full legal name : XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth Is : XXXX My only employer is : XXXX Please remove all phone numbers on my credit report. Please remove all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Debt collection

I mailed a settlement letter on XX/XX/2021 with tracking number : XXXX. XXXX was returned to the sender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a son who is currently XXXX  years of age. I was divorced in AZ and finished paying child support 16 years ago. It was actually never in collections. My ex-wife opened a case in NY because NY law states that a father can pay child support until a child is XXXX, so the court put a temporary judgment against me until a hearing. My divorce decree was upheld and the case was dismissed. 

I have given backup documentation to all 3 credit bureaus and it remains on my credit reports. They have not taken it off my reports. It is hurting my credit and thus my family.
Product: Credit card

XX/XX/XXXX, there was a deferred interest promotion for 2 years with SYNCHRONY BANK. At the end the interest would accrue at 26-28 %. Had to pay by XX/XX/XXXX to Avoid the accrued interest. Loan was XXXX. Up to this point, I was paying monthly to Synchrony bank and then made extra payments on time. I WAS PLANNING ON PAYING IT OFF AT THE END OF THE PROMOTION.

Unfortunately, I missed the promotional date by 4 days. I was getting regular statements in the mail from SYNCHRONY BANK up until 7 month ago then it went e-statements which I DID NOT opt out for!! This caused me a considerable amount of confusion which thru me off with some e-statements that i didn't even get! When I noticed the higher amount of the monthly payment I called on XX/XX/XXXX ( ONLY 4 DAYS AFTER THE PROMOTION ENDED. asking why? She said it was the interest .She did not mention that it ended or that I can pay it off.. Or tell me there was a 30 DAY GRACE PERIOD!!! NEVER GOT ANY EMAIL TELLING ME PROMOTION WILL BE EXPIRING SOON I WOULD Have PAID IT. They added on over XXXX of interest which l 'm asking to be WAIVED ASAP. I called 3 days after the promotion ended on XXXX XXXXwithin the 30 day grace period!! One Manager tells me they '' COULD Have DONE IT THEN BUT NOT NOW " it's past the date but I CALLED 4 DAYS AFTER!! Still had time to pay it off. Then say they will put it into escalation and a supervisor will call to look into it more IN 3-5 DAYS.NO ONE CALLED. Then ANOTHER manager says " WE DONT HAVE TO INFORM YOU ABOUT THE 30 DAY GRACE PERIOD!! there all on different pages I AM BEING TREATED SO UNFAIRLY. I HAD A CHANCE TO PAY THIS OFF 4 DAYS AFTER THE PROMOTION ENDED WHEN I CALLED. Within 30 days!!!

I ENDED UP PAYING THE PROMOTIONAL BALANCE OFF XXXX.a couple of weeks ago. I am very concerned and upset about this predicament with this loan and bank! I made consistent payments over the 2 years. it was my intention to pay it off. I SHOULD NOT BE PENALIZED.I hope this can be resolved WITH the INTEREST WAIVED AND SOME REIMBURSED XXXX XXXX they took. I WAS WITHIN THE 30 DAY GRACE PERIOD ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX
Product: Checking or savings account

created US Bank Smartly Checking. 
I deposited {$10000.00} into DIRECT DEPOSIT. 
I opened a checking account with the conditions below and have not received it yet. 
I already met the conditions and requested confirmation over the phone. 
I was supposed to be notified of the results via EMAIL, but there was no communication. 
I should get paid {$600.00}. I hope that action is taken quickly. 

( 1 ) Open a Smartly Checking account at the branch or online by XX/XX/XXXX. 

( 2 ) You must deposit at least {$25.00} to open an account.

( 3 ) DD total at least twice within 90 days after opening the account- {$200.00} bonus for purchases over {$3000.00} and under {$5900.00} - {$400.00} bonus for purchases over {$6000.00} and under {$9900.00} - If you spend over {$10000.00}, you can receive a {$600.00} bonus.
Product: Debt collection

The company called me on Monday XX/XX/XXXX, may have been Tuesday. He did not tell me of any recording before asking my name. I did confirm my name. He asked me to confirm my address or social security number, which i refused to do. I asked who he was and he gave me a name for himself and the company as Valor Intelligent Processing. At that point he gave out my information in the form of my address and he also told me the last four of my social security number. He had not confirmed my identity at this point so could not be sure he was talking to the correct person. I hope that it is illegal to broadcast my sensitive information in this manner. I also get numerous robocalls from this company, even after asking not to be called. I think the robocalls are legal unfortunately.
Product: Checking or savings account

On XX/XX/2022 I deposited a payroll check from my employer. My employer has more than XXXX employees and has a multi XXXX dollar XXXX XXXX XXXX The check was an official check drawn on a XXXX XXXX account. I used the mobile deposit and once I put in all the information and took pictures that were excepted of the front and the back, the app stated the funds would be available at XXXX XXXX  on XX/XX/2022. That was perfectly acceptable and I have deposited previous checks and the funds were available at the time stated. As soon as I hit the submit button to finalize the transaction the date changed to XX/XX/XXXX giving an explanation that the funds were unlikely to be collected. 

I have called multiple times about the situation over the last several days. l Have been told by multiple people that XXXX the Bank is required to place an extended hold on all checks. Even after I stated I knew that was not correct they continued to state this. I then spoke with a manager and ask her to call XXXX XXXX and verify that the check had already cleared as my human resource department had already done so earlier today. That is when a manager of the bank told me that banks dont call other banks. I knew this to be untrue as well. I called XXXX XXXX who also stated why dont they just call us and get the verification and release a hold. After telling XXXX XXXX what KeyBank had stated they said why dont you just give them this number thats exclusively for banks to verify phones. I have done so. My bank continues to say theyre not allowed to call other banks to do verifications. I believe I am a victim of some sort of scam and having my money stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  pull my credit without my consent and made a hard inquiry which lowered my credit score significantly. 

Date of unauthorized pull : XX/XX/23
Product: Student loan

The family educational rights and privacy act FERPA protects the confidentiality of student records this breach is a clear violation of FERPA and the companies responsibility to safeguard my information department of nel net
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  and # XXXX, XXXX XXXX, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after XX/XX/2019 from date I filed. Remove late payments and charge off comment, against federal law what your reporting on these payment historys and comments. XXXX XXXX credit card as paid in full and Experian reporting late payments this year. Remove the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX ; XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4100.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research account I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my equifax credit report that I did not authorized XX/XX/2019 XXXX XXXX, I did not authorize this inquiry. 

XX/XX/2019 XXXX XXXX XXXX  XXXX, I did not authorize this inquiry XX/XX/2019 XXXX, I did not authorize this inquiry
Product: Credit card or prepaid card

I was trying to make inquiries with the provided Chase Customer Service number after two weeks of card not being received on time. I tried to find out status and location of card. I put this call on speaker with my mother because I was unfamiliar with this bank and the steps need to replace my card that had never been recieved. After getting a representative on the phone he proceed to ask probing information that had never been give to Chase bank. He then said for security measure he needed to verify my phone number and attemt to text my phone. That text supposedly would not go threw nor any calls to my phone. He then state he was going to get a senior investigator to help with the security questions while he stayed on the line. The next person ( a Mr XXXX ) said he'd help with security questions ; then he asked me data sensitive questions that once again had nothing to do with the card or information I had give to chase to start the card. Questions on what other types of credit lines did I have. What was my mother 's maiden name and my employer also information I had not previously provided. When my mother began raising questions about the data hes was asking for he then got defensive and said he was fraud security and proceeded to act even more agitated. Im worried that he was collecting formation for fraud and my answers may be used to create a fraudulent account or hack my information. Or that this may be unsolicited data collecting.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 redressthe Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises
Product: Credit card or prepaid card

On XX/XX/2018 I took my cat to my old vet. My cat was misdiagnosed and put on wrong medicine. {$96.00}. On XX/XX/2018 I took my cat back to my old vet because my cat was very sick. {$48.00}. When I saw that my cat was not getting better, I took my cat to a new vet. My new vet correctly diagnose my cat and put him on correct medicine. It is my opinion that my old vet should not be paid. I initiated a dispute with Wells Fargo. Claim number one XXXX. On XX/XX/2018 at XXXX XXXX, Wells Fargo called me and told me that I lost my dispute because I signed the two sales receipts thus accepting the terms of both sales. I adamantly disagree with the Wells Fargo dispute representative because at the time I signed both sales receipts, I didn't know that my old vet misdiagnosed my cat and gave my cat wrong medicine. When I asked the Wells Fargo dispute representative if I have any appeal rights, the Wells Fargo dispute representative scoffed at me. After I was scoffed at I askd to speak to a supervisor. The supervisor told me to re send all of my dispute documents via email and Wells Fargo will take a second look at my dispute but that the two charges will remain on my account. It is my opinion that Wells Fargo did not do enough to protect my Visa rights. It is my opinion that Wells Fargo just wants to vacate my dispute doing as little work as possible. Nice right? While they charge double digit interest! I am forwarding this complaint to the cfpb for further investigation.