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

you reported false information about me to a credit bureau, then you sent me an email to harass me about the " major derogatory '' mark that you fraudulently reported. then I replied XXXX off, and you blocked the message in an attempt to restrict my ability to communicate based on my word choice. who the XXXX do you think you are?! you are in debt to me. XXXX you! you dont get to determine what language is appropriate for business. we dont have any business relationship. you are illegally harassing me, and you are involved in criminal fraud. you acknowledge that I commanded you to cease and desist a year ago, and in the next sentence you tell me that I need to do a bunch of stuff. NO! cease and desist means NO CONTACT! I am going to testify against you and you are intimidating and harassing the witness. STOP ALL COMMUNICATION WITH ME! WE HAVE NO BUSINESS RELATIONSHIP! YOU ARE BANKRUPT! YOU ARE GOING OUT OF BUSINESS. PERIOD! STOP CONTACTING ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result Identity theft. I never gave written consent for any company to share my non public information to a third party. 

15 USC 1681 ( b ) permissible purpose a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. 

I demand XXXX and Experian to provide a contract bearing my wet ink signature to furnish any information on my behalf. Failure of such contract shall result in these following accounts in the attached letter to be blocked and removed within 4 days.
Product: Debt collection

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. Also questionable account number and who this account got transferred to!!! :?!

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

As i look on my credit report i see XXXX XXXX XXXX XXXX  on XX/XX/XXXX and dont know what that bank is and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX where i have never received anything nor asked for anything from the same as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXXXX/XX/XXXX which i have never done business with none of these businesses never asked nor received anything from these establishments
Product: Credit reporting or other personal consumer reports

I first submitted my dispute on XX/XX/XXXX and, upon receiving notice that the original documents were of low quality, promptly provided additional supporting materials on XX/XX/XXXX. However, despite my timely actions, I have received no meaningful communication or resolution from your company. Instead, I was sent a letter falsely accusing me of employing a credit repair organization. As I clarified in my follow-up letter, I have personally handled all correspondence related to this matter, but despite this, I have yet to receive any response or resolution. 

This lack of action and oversight on your part has caused significant distress, and I am now left with serious concerns regarding your companys commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and provide a response within 30 days. Your failure to meet this obligation is a clear violation of the statute. 

Furthermore, I believe your actionsor lack thereofmay constitute a violation of the Massachusetts Consumer Protection Act, M.G.L. c. 93A, which prohibits unfair and deceptive practices. The ongoing delays, contradictory responses, and failure to communicate effectively in clear English have only compounded the issue. 

This lack of accountability has not only hindered my efforts to resolve the inaccuracies on my credit report but has also severely undermined my trust in your institutions integrity. I request that this matter be addressed immediately and that I receive a prompt, clear, and definitive response. 

I trust that you will take my concerns seriously and work towards a resolution in accordance with the law.
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. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit report act XXXX  account # XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15

usc 1681 section 604 states 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Student loan

For years after my loan was transferred to Navient from Sallie Mae and before that it was XXXX ; none of these providers ever helped or informed me about how my public service position could result in possible forgiveness. I inquired about public service student loan forgiveness through both Navient and Sallie Mae over the years and was told I did not qualify but they never told me why ; I realize now it was because these loans were refinanced and they did not want to let go of monies I paid them. They made no effort to provide any guidance or assistance over the years. I have worked as a XXXX XXXX  for 18 years now and continued to be told there was nothing I could do about it. I applied for forgiveness a few years back in XXXX and was told then that the payments I had made did not qualify because of the lender. During the required student loan exit During the pandemic when I had some trouble paying because I was being furloughed by my employer they also never worked with me so that I could take advantage of the assistance the government was providing to people in my situation. I want to understand why for so many years now they and the government have neglected to recognize that I have made over XXXX payments, I have worked over 10 years and continued to work as a public servant ; so why do these payments not qualify under the public student loan forgiveness program? I have paid well over the amount I've borrowed by now but continue to be told my loans do not qualify? I also want to understand why the information about public service related forgiveness wasn't part of my student loan exit interview. I feel like this information was valuable and would have resulted in my not consolidating my loans if I had known about this program and that my consolidating and the transfer of my loans later would lead to my not qualifying for public service student loan forgiveness. Again, I've been a XXXX XXXX for 18 years now. It is unfair to me that others with loans fresh out of college get to benefit yet I still continue to pay and pay despite my service and involvement in my community.
Product: Mortgage

Loan # : XXXX Date of Inquiry : XX/XX/XXXX My husband and I contacted Bank of America Home Loans to inquire about obtaining a mortgage on a newly purchased, single-family residence for the purpose of paying off credit card debt and making improvements to our new home. We purchased the home at XX/XX/XXXX with cash. After moving in and doing some improvements, we wanted to consolidate some debt and make additional modifications which is why we sought a " cash out '' loan through BOA. We made our initial contact with Bank of America on XX/XX/XXXX via their XXXX number and spoke with a lending officer named XXXX XXXX ( XXXX # XXXX ). We answered the typical questions regarding income and expenses. Knowing we already had an established relationship with BOA with a car loan and a prior mortgage, we were confident there would n't be any issues with approval. During that first conversation with XXXX, it was specifically discussed that we only owned the home for a short time ; less than a year. After answering all of his questions, we were required to commit to a locked in rate and allow a credit report to be pulled in order to continue the application process. After XXXX pulled our credit report during that initial conversation, he notified us that we would not qualify for a loan because we did n't own the home for at least six months. The urgent consumer concern about our complaint is that XXXX/BOA should n't have pulled our credit report once he was notified the short time we owned the home. We asked him why he did n't stop the application process once he had this information instead of dinging our credit and causing our score to drop. He blamed it on the computer system and software. After I spoke with his manager, XXXX XXXX, Sales Manager Vice President, she stated that the error was due to lack of training or knowledge and that she would discuss the situation with XXXX. Since that initial phone call in XX/XX/XXXX, my husband and I have not been able to seek a loan elsewhere due to our dropped credit score. We were trapped into continuing with the application process with BOA once we owned the home six months. Financial damages we incurred due to this illegal and unethical application process is calculated to be somewhere around {$30000.00} due to us accruing monthly interest on debt we planned to consolidate ; debt we would not have incurred if we were free to seek a loan elsewhere. Bank of America needs to be cited for this practice. We plan to seek damages for the financial hardship they 've created for us. If XXXX would have stopped the application process when he should have, our credit would not have suffered and we would have waited until we owned the home for at least six months before applying for a mortgage with either BOA or another company. Instead, XXXX put us in a position of entrapment where we had no choice but to continue with BOA.
Product: Credit card or prepaid card

When I applied for this RCI/Barclays Bank credit card on XX/XX/XXXX, it was with the understanding that I would receive a {$50.00} credit off my transaction of XX/XX/XXXX with RCI ( {$150.00} total transaction ). I have received and paid a bill from Barclays since that time and have not received the credit. I spent almost a half hour on the phone with Barclays on XX/XX/XXXX, who finally told me to contact RCI. RCI had told me to contact the credit-card company when I called them earlier. Credit card number is XXXX XXXX XXXX XXXX issued to XXXX XXXX. The description of the card is RCI Elite Rewards World Mastercard. I am authorized to deal with the issuer on this card.XXXX XXXX XXXX
Product: Debt collection

on XX/XX/XXXX I received a certified letter from Bridgecrest Acceptance Corporation from a previous complaint about this company. They continue to send partial information that was requested back on XX/XX/XXXX about this alleged debt, yet they continue to harass me using obscene and profane language claiming I owe an alleged debt to this company when I have no documentary evidence of neither mine, nor bridgecrest signature to prove this alleged claim. Pursuant to the fdcpa a contract is not sufficient proof for debt validation. I have requested that Bridgecrest validate this alleged debt and send me proper documentary evidence, but they are willfully neglecting to do so, violating the fdcpa and my cease and desist notice attempting to coerce me into paying on this fraudulent account. Per the fdcpa a debt collector has 30 days to provide all requested information from a consumer to validate any alleged debt, or they SHALL cease all attempts to collect the alleged debt. Its been over a year and I have proof that they continue to violate federal law. The paperwork that was sent to me via certified mail violates the fdcpa, as debt collectors are prohibited from sending post cards in the mail, its mail fraud and violators found guilty can spend time in prison and face civil penalties for their crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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

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

On around XXXX XXXX, XXXX  a secured credit card account was opened with XXXX XXXX XXXX XXXX  in the amount of {$1100.00}. The company is reporting the information on this account incorrectly stating a balance of {$190.00} is past due and the payment status is being reported as Collections/Charge off, Derogatory. The account has been paid in its entirety due to being reported as charged off as bad debt. Profit and loss write-off. The company has violated federal law listed below. Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Experian, or XXXX  ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX
Product: Debt collection

Bank of America, NA has filed a lawsuit against me for a debt that I do not have or owe for card XXXX. I have made several attempts to resolve this. Including filing disputes with the company and the credit bureaus, but the company continues to assert that the debt belongs to me. The debt belongs to a different XXXX XXXX, but they have attached the debt to my profile and my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX contacted me back in XX/XX/2020, that they had a glitch in their system. And incorrectly put a 30 days late on my Visa credit card account. XXXX and Transunion reported the 30 days late and dropped my scores XXXX points. They said that they would fix the issue and they did a month later. Since then, it keeps showing back up on the same two bureaus. I just got denied by XXXX because of this and a few months ago, it wasn't on my credit report. There's something wrong with XXXX  system because it goes away and keeps coming back. This has destroyed my financial life for a Year!!!!!
Product: Credit reporting

To whom it may concern, My name is XXXX XXXX I contacted Transunion, XXXX, and XXXX about a tax lien that paid off and after I paid it the Dept. Of Revenue still filed as a tax lien under Public Records to all XXXX credit bureaus. I disputed the Public Record as inaccurate to all XXXX credit reporting agencies. Documents verifying that my balance was deducted from my taxes in XXXX was provided with a written statement, and a a paid in full letter. The tax lien then was reported as paid. My issue is my balance was paid before the lien was even filed. I sent all credit reporting agencies my documents supporting my claim. Experian deleted the Public Record after reviewing my evidence of the error. Transunion, and XXXX still reflect the tax lien as a judgement. Today I called Transunion Tuesday XXXX/XXXX/XXXX @ XXXX and spoke with XXXX XXXX who stated she was a supervisor. I explained the situation to her. I informed to XXXX I 've been disputing this judgement for a year. She stated she does n't show any info where the balance was paid in XXXX. I asked how Transunion verified the judgement as being accurate she responded we verified it. I asked if it was verified what documents were you provided. I told her based on FCRA regulations I also have to receive evidence, especially if this public record is hindering my credit worthiness. XXXX stated she does n't have to verify anything and she was a supervisor. I asked because she seen the paperwork I sent verifying the balance was paid, did she see the other documents I sent with it. I informed XXXX I sent a letter hand written explaining my issue and a letter from Dept. Of Treasury stating the balance was deducted from my income tax refund in XXXX. XXXX said the information was in my file. I asked if she could read my written statement to verify it was received and she refused to answer my question without giving me a explanation of why. She was rude, and condescending. I was very upset and asked for her manager she hesitated to give me a name and said she had several managers. I said since you have so many please give me just one of their names she reluctantly gave me the name XXXX XXXX. I was very confused as a consumer I have the right to ask a credit bureau what is in my file to confirm it was received. I taken photo copies of the documents I mailed to Transunion. I hope this issue wo n't be the same with XXXX. Thank you for your time I 'm hoping I can get some results.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX for my Sofi bank case # XXXX I was told by XXXX XXXX XXXX XXXX XXXX in XXXX separate calls that my money would be returned in full. First call with XXXX around XXXX PST and the other around XXXX XXXX  XXXX with XXXX to confirm. XXXX said I was in the queue for the full refund and it was an unlawful act and abuse to my hard earned money. 
Then on Monday XX/XX/XXXX a different associate told me they would not be returning funds, regardless of the false hope I was given. 

Afterwards I called the police to come to my house and talk me down from XXXX  XXXX XXXX XXXX XXXX. The grief is unbearable. 

I need my money returned to be able to survive. I was completely victimized after the scammer first froze my account. 

Sofi accepted forged documents that could have been disproven by using public records in their XXXX. The account should never have been approved for creation for situations like this one and to abide by XXXX. 

According to police report XXXX, evidence has shown that a prior history check of the address XXXX XXXX XXXX XXXX XXXX CA XXXX could not locate the alias, XXXX XXXX, associated with that address.

If Sofi bank had used reliable identity verification, they would have discovered with due diligence that the account created is fraudulent.

The crime would not have had a platform to occur and criminals could not be sheltered within Sofi bank.

Finding a mutually beneficial outcome is the most productive way to settle this unfortunate circumstance. I would like to end this in an expeditious and cooperative manner.