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

They have violated my rights and have violate the Fair Credit Reporting Act, Despite several written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly ; but have not provided a reasonable method of verification as required under Section 611 ( a ) ( 7 ). To date, they have NOT provided me a copy of ANY documentation. They are in violations of the following listed below : 15 U.S.C 1691 section 602a-states I have the right to privacy 15 U.S.C 1691 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my instructions. 
15 U.S.C 1692 c : States No Communications without the prior consent of the consumer 15 U.S.C 1692 b : States No Communication without the prior consent of the consumer given directly to the debt collector FCRA Act Section 611 States : gives me the right to request an explanation of the verification method you used. 
FACTA act, SEC 312 ( b ) and ( c ) : States to provide Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. )
Product: Credit card

I applied for a American Express Add on card. I was denied and was told due to non payment from the year XXXX. I filed a personal bankruptcy in XXXX and was discharged. After 16 years and good credit american express will not issue this add on card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2020, SANTANDER CONSUMER USA, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Negative Credit Report Entry for XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the accuracy of a negative entry on my credit report related to XXXX XXXX XXXXXXXX XXXX XXXX. As of XX/XX/year>, it was publicly announced that XXXX XXXX XXXX XXXX XXXX has ceased operations following its parent company, XXXXXXXX XXXX, filing for bankruptcy. In light of these developments, I am challenging the accuracy and completeness of this accounts reporting on my credit file. 

My Requests : Verification of the Account : Pursuant to FCRA 611 ( a ), please verify the accuracy of this account. I request that you provide : The date of first delinquency, The date of the last payment, and The current ownership of the debt.

Proof of Legal Ownership : Please provide documentation that demonstrates that this account is being reported accurately and that I am the legally obligated party. 

Validation of Business Records : Since the creditor is no longer operational, I question the accuracy of their record-keeping and reporting. If the creditor or any third-party furnisher can not verify this account, I request its deletion under FCRA 605.

Removal of Unverifiable Information : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate information. If this account can not be verified in full, I demand its removal from my credit file.

I request that this matter be investigated thoroughly and that I receive written confirmation of the outcome. If the information can not be verified, please delete this entry from my credit report immediately. 

Thank you for your attention to this matter.
Product: Debt collection

I noticed a collection on my credit reports in  XXXX    XXXX   for  XXXX . I had cancelled their service and returned the equipment so I was not aware of any debt owed to the company. I do not recall receiving any kind of correspondence from the company but learned in  XXXX  of this year that they had turned my account over to Receivables  Performance Management for collection o f {$400.00}. I contacted  XXXX  shortly after and requested verification which I never received. While speaking to the customer service rep, I asked if I paid the balance they said that I owed would they remove it from my credit reports and I was told that they would. Because I wanted it off of my credit report, I started making {$100.00} payments directly to  XXXX  since they explained that they would instruct the collection agency to remove the debt upon full payment. I paid over the course of 2 month in {$100.00} increments until the balance was paid in full in  XXXX . I was told o n 3 se parate occasions that upon payment in full that the collection would be removed from my credit reports upon the request of  XXXX . This information was given to me twice by customer service reps on  two  separate occasions and once via chat with a  XXXX  rep. I paid under the belief that they would do what they said they would. I even refused a settlement offer from the collection agency because I was told that the account had to be paid in full. Once I made the final payment, I contacted  XXXX  regarding the removal request and was told by a very rude customer rep that they would not instruct the collection agency to remove the collection off of my credit reports. I asked to speak to a supervisor but was denied repeatedly. No one ever returned my call, although I requested it. I then attempted to contact someone at the collection agency. I sent an email explaining the situation and provided a copy of the internet chat transcript between the  XXXX  rep and I but the issue was not acknowledged. I think it is unfair for  XXXX  to secure payment under false pretenses. I paid under the assumption that once it was paid, it would be removed. I was never provided with any information validating the debt although requested and my attempts to resolution to the problem was ignored by both the original creditor and the collection agency. Validation was finally offered after I had paid the amount they said I owed by buy this time it was useless since I had already paid the debt.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Equifax XXXX XXXX XXXX  Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX  Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Equifax ) Account Number : XXXX ( XXXX  ) XXXX XXXX XXXX Credit Card ( XXXX XXXX Account Numbers XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ) XXXX Account Numbers : XXXX ( XXXX XXXX XXXX, Equifax ) XXXX ( XXXX, XXXX, Equifax ) XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX Account Numbers : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account Number : XXXX ( XXXX, XXXX XXXX Equifax XXXX XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX XXXX Account Account Numbers : XXXX ( XXXX, XXXX, Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX Equifax ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.
Product: Checking or savings account

I received a text from sofi about a transaction that was suspicious and was told to reply whether I made the transaction or not. Well I didnt make the transaction and replied that I didnt. XXXX still allowed almost {$2000.00} of my fund to be stolen and just locked my card. I disputed the transaction and replaced my card but they havent even offered a provisional credit.
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 redress to these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2019 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Product: Mortgage

My wife and I have a Bank of America ( BoA ) Mortgage since XX/XX/2020. BoA upgraded their mortgage system in XX/XX/2020 and we have been having issues with our payments being recorded correctly ever since. 

My wife and I do split payments from our own checking accounts. It started with BoA not recording a payment sent from my BoA checking account to their mortgage account on XX/XX/XXXX. I called them to notify this and was told by their support staff that this because I paid earlier than the due date (??? ) ( Imagine being penalized for recording a payment earlier ). They eventually located the missing payment and said they would fix this in 15 days, but I never saw it being fixed. It has been downhill since then. 

Every month since then, even though we pay on time ( sometimes before ), we get an email saying our payments are past due. We have already asked them to reverse the emails and fix our payments, but there has been no resolution for 2 months. We have called them at least 7 times and have filed 3 service requests, and have been assured that this will be fixed in 10 days but it never does. Our monthly payment is {$3200.00}, but we do a combined payment of {$3800.00} so that we can cut down on our principal. None of the extra principal payments we make have been recorded correctly for the last 2 months. 

We have received 2 emails so far from BoA saying they will report us to credit agencies for missing our payments. Whenever we ask BoA to reverse these emails, they ask us to ignore them, but when asked for written communication from their end to indicate that we can disregard these emails, we have been asked to take their word for it. This seems particularly unfair, since we have no written proof that the issue is on their end and they are fixing it. 

Overall the communication has been poor and they have not shown any ability of solving our problems for 3 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint and request assistance regarding inaccurate information on my credit report, which I have brought to the attention of Experian on XX/XX/XXXX. However, I have not received a response from them to date. As a concerned consumer, I firmly believe that Experian has an obligation to adhere to federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information on my credit report involves the following accounts : XXXX. Account Type : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Original Creditor : [ Original Creditor 's Name ] This account does not belong to me, and I kindly request that it be promptly removed from my credit report. 


XXXX. Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Your reporting of this account contains inaccuracies. The reported balance of {$2000.00} is incorrect, as I believe it should be a lower amount. Furthermore, the Past Due amount should not be provided, as this account is closed and charged-off. I request that you mark this account as disputed while I resolve the matter with the creditor. Additionally, I kindly ask you to verify the accuracy of the Date Opened, Date of Status, and First Reported for this account. 


XXXX. Account Type : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} This account requires examination due to incorrect reporting. The reported balance of {$1100.00} appears to be higher than what I remember. As your agency presented this account as closed, the Past Due amount should not be provided. I believe it would be beneficial to address this misleading data directly with the creditor. I am determined to take immediate action in resolving this matter with the creditor, but I need your agency to report the account as disputed while I attempt to find a resolution.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( XXXX creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXL Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Debt collection

XXXX XXXX a thief opened up an account at Bank of the West. I recently checked my credit history and I was reportedly charged {$900.00} dollars and XXXX  cents. I called the collections agency XXXX XXXX XXXX. They provided me with some information. They told me that they have an address on file in the city of XXXX California that I never lived at. I also tried calling Bank of the west to dispute this. I called XXXX  to file a dispute charge on this. Please help me clear this.
Product: Student loan

Wondering if you can assist us in a work around for this. We made such a low salary when I first started XXXX and my husband was a XXXX XXXX that the only way out realtor thought we would qualify for a mortgage was to consolidate our student loans. XXXX plus years later and more that XXXX payments, our loan still can not be forgiven because there is no way to convert a XXXX XXXX XXXX XXXX into a direct loan. Please help. We have been working in qualifying public service roles and due to the facts below, we can not get XXXX. 

XXXX type of XXXX student loan is a Joint or Spousal consolidation loan a now-defunct program that allowed XXXX spouses to combine their individual federal student loan balances into a single loan, with both spouses jointly responsible for its repayment. The program was discontinued, but some borrowers including those who have since divorced are stuck with these types of loans. Joint Spousal FFEL Consolidation loans can not be re-consolidated into a federal XXXX consolidation loan under current federal policy, and therefore can not qualify for XXXX. It may take an act of XXXX to address this problem. 

Thank you for your help. We have written to our senators and representative to try to assist with a work around. 

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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these 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 US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 ( Original Creditor : XXXX ) XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

Applied for ( XXXX XXXXXXXX XXXX XXXX ) with CreditKarma which I received XX/XX/22 by mail. As of today XX/XX/22 I called to setup the credit card as well as make an auto payment for the " {$95.00} program fee '', they finished the setup but then informed me I was not eligible for the credit card and would be sent a letter in the mail. I have already filled a complaint with " FTC '' & received a Ref- # of ( XXXX )
Product: Debt collection

I have been trying for 2 years to have this debt verified or either removed from my credit reports. In the last 5 months alone I have sent XXXX certified letters requesting the debt be verified and for an accounting of why it says I owe the amount they have placed on my reports. To date I have not received so much as a correspondence from anyone.
Product: Checking or savings account

I opened a Capital One XXXX XXXX account in XX/XX/XXXX because there was an offer ( code XXXX ) saying if I transfer {$50000.00} from other financial services company by XX/XX/XXXX, I can get {$500.00} bonus. After opening, I transferred $ XXXX from other banks to this account by XX/XX/XXXX. The terms said I will get the bonus within 60 days, but till today, the bonus is still not posted. 

I contacted Capital One, and the agent told me I had a savings account with them and I did not transfer the money within 10 days of opening. I went back and looked at the terms more closely, and did not see the requirement of " within 10 days '' at all. All I see was open the account between XX/XX/XXXX and XX/XX/XXXX, and deposit by XX/XX/XXXX, which I did. The agent also said I had a savings account, but I don't remember that as well. Whenever I logged into my Capital One account, I only saw a credit card account I have with them. That was the only account I opened with Capital One before this XXXX XXXX account.
Product: Mortgage

I inherited the house upon my grandmother 's death in XXXX XXXX. At the time of my grandmother 's death I was only working a part time job with XXXX. Whereby, I did n't have the monthly income to keep the account current. Since I began handling the estate of my grandmother, I have had XXXX periods of unemployment which was from XXXX XXXX until XXXX XXXX and again from XXXX XXXX until XXXX XXXX. I now have sufficient employment. whereby, I can now afford the monthly mortgage payment. But, I do not have the money to pay {$9000.00} towards a total past due amount of {$12000.00} in order to start a repayment plan. The servicer is stating that the DTI ratio shows I have the ability to pay the mortgage. But, the servicer is n't taking into account how the mortgage got behind along with my ability to pay towards a large past due mortgage balance. The CFPB Rules state that a client inheriting a home should be able to have the loan modified into their name with reasonable terms which the present offer is n't reasonable.
Product: Credit reporting or other personal consumer reports

Subject : Complaint against XXXX XXXX XXXX for Failure to Properly Validate Debt and Potential FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX XXXX XXXX XXXX their handling of my debt validation request and potential violations of consumer protection laws. 

On XX/XX/year>, I sent a debt validation letter to XXXX XXXX XXXX XXXX XXXX XXXX alleged debt ( Account Number XXXX ) and requesting detailed validation as required by law. On XX/XX/year>, I received a response from XXXX XXXX XXXX that failed to adequately address my concerns and provide the requested information. 

My complaints are as follows : Failure to Provide Comprehensive Debt Validation : XXXX XXXX XXXX did not provide the detailed information I requested, including a copy of the original signed agreement, documentation showing the chain of ownership of the debt, and a detailed accounting of the alleged debt. 

Inadequate Response to Credit Reporting Discrepancies : In my initial letter, I raised concerns about discrepancies in reporting across credit bureaus. The company 's response did not address this issue, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Misleading Information About Legal Obligations : While XXXX XXXX XXXX claims that the Fair Debt Collection Practices Act ( FDCPA ) does not apply to them as the original creditor, they still have obligations under other consumer protection laws, including the FCRA. Their response may be misleading consumers about their rights and the company 's responsibilities. 

Potential Inaccurate Reporting : The company 's response indicates a {$0.00} outstanding balance as of XX/XX/year>. However, this conflicts with the ongoing dispute and the reporting to credit bureaus that prompted my initial inquiry. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX XXXX complies with all applicable consumer protection laws. I seek a full and proper validation of the alleged debt, correction of any inaccurate information reported to credit bureaus, and any other appropriate remedies for the company 's failure to adequately respond to my validation request. 

Thank you for your attention to this matter.