23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX, A supervisor in the Loan Administration section reviewed the court filings on the Iowa Clerk of Courts Website regarding the foreclosure action filed by Wells Fargo Home Mortgage. While I understand your concerns, many civil actions and court proceedings that are filed within the court systems are documented on the county websites by law, and also a matter of public record. Also, I believe the information can only be removed by the order of the court. 

You may also be eligible to purchase a home using another VA home loan, but lenders will most likely want to see you reestablished credit and made satisfactory payments for at least 12 months after the foreclosure. Our records show VA paid a foreclosure claim of {$3500.00} to Wells Fargo. You would need to pay VA back this amount for full restoration of your home loan benefit. However, you have VA home loan bonus entitlement available too. When you are ready to move forward with purchasing another home and would like more information regarding your VA entitlement, please contact our XXXX XXXX Department at XXXX, extension XXXX. 

I hope this information helps. 


XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fax
Product: Checking or savings account

I have deposited two different checks using the mobile deposit app with Truist. On both occasions they have held the funds for 10 calendar days, despite my getting an email stating the funds would be released the next day. Tried escalating via customer service number, who directed me to the branch. Was told at the branch, they do not have any power to release funds earlier, despite being told otherwise when my call was escalated to a supervisor. These were both part of my monthly payroll.
Product: Debt collection

I entered into a debt reduction program. Cease communication papers were filled out and sent on. I have also sent them messages with the phone number of the credit counseling firm. I asked that they call them instead of me. I am still getting at least 5 calls a day. Sometimes 8 to 10 calls.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit card

I requested a credit limit increase from my bank ( BB & T ) for my credit card over the phone but the agent did not know whether a hard or soft pull was need so I explicitly stated the stipulation to note on the request that if they need a hard inquiry on my credit report do not proceed with the credit limit increase. A week later, I noticed an increased credit limit and once I checked my credit report noticed XXXX hard inquiries on my credit report. 
I contacted BB & T and explained the situation. The agent ( XXXX ) I was speaking to had her Supervisor ( XXXX ) listen to my original phone call and she confirmed that I made the request NOT to perform a hard inquiry on my credit report. XXXX send a dispute request to the XXXX to remove these inquiries from my credit report. She told me it could take up to 10 days to file with the credit bureaus and 30 days to see the update to my credit report. I asked for an email confirmation of the discussion we had and I figured everything was solved at this point. I never received the email confirmation. 
A few days later, I received a letter in the mail from the BB & T Bankcard Services stating they concluded that the information was reported to the credit bureaus accurately and closed the dispute. Keep in mind a few days earlier the supervisor ( XXXX ) listened to my phone call in which I specifically said not to perform a hard inquiry and admitted fault. I was confused in their finding so I called BB & T again and they informed me I could not directly contact the BB & T XXXX department and they could not tell me what information they provided that department for their investigation. The agent said the only thing I could do at this point is contact the XXXX credit reporting agencies. 
I first contacted XXXX and they said that they could not do anything about removing the inquiries on my account made by the bank. All I could do is file a police report and file a complaint with the CFPB. 
That is where I am at right now. BB & T has a recording of the original phone conversion in which I specifically asked for them NOT to perform a hard inquiry on my account but their internal XXXX department found they were not at fault for the XXXX unauthorized hard inquiries on my credit report.
Product: Credit card or prepaid card

XX/XX/2021 Opened credit card account and made a purchase of {$120.00} in store XX/XX/2021 Made payment of {$60.00} toward the total balance in store XX/XX/2021 interest charge of {$2.00} bringing total remaining balance to {$66.00} XX/XX/2021 was charged a late fee of {$29.00}, called the company 's customer service to have it waived, customer service representative agreed over the phone ( recorded ), and paid the remaining balance of {$66.00} over the phone that was posted on XX/XX/XXXX Continued being charged interest fees and late fees for 3 months upon already paying off the total balance of the credit card. 
XX/XX/2021 interest charge of {$2.00} XX/XX/2021 late fee of {$31.00} XX/XX/2021 interest charge of {$2.00} XX/XX/2021 Late fee of {$36.00} XX/XX/2021 interest charge of {$2.00} XX/XX/2021 Late fee of {$40.00} XX/XX/2021 Finance charge of {$2.00} Total balance as of XX/XX/2021 is {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/22 To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 

Best Regards, I have attached my ID to this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I pulled my credit reports from all three credit bureaus and found several inaccuracies being reported. My first, second, and third attempts at disputing the inaccuracy has failed. Each time, all three bureaus state the debt has come back verified. I have requested on numerous occasions the documentations used to verify the account in question. XXXX XXXX XXXX XXXX is reporting a debt inaccurately and the three credit bureaus are allowing them to violate my rights per the FDCRA and the Louisiana Uniform Commercial Code. The credit bureaus are refusing the documentation and consistently reports falsely. By law, I have the right to legally pursue legal action against these offices and at this point to consult with the State attorney & Attorney Generals office because this seems to be slander. My reports are falsely reporting and at this time I strongly feel has prevented me from obtaining adequate employment hindering me from being gainfully employed in my career.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
Product: Credit reporting or other personal consumer reports

Capital one updated their system and my minimum payment changed, but my auto payment was never adjusted on their end. I had set up my payment to take the minimum due, so that it was never late. They never contacted me and continued to report me late and charge me late fees and interest. I pay my accounts and have them all set up on auto and I am never late. My wife tried repeated times to discuss and get this fixed and they are reporting on me and my wife as being late 30 days XXXX through XXXX. I am going to seek Attorney counsel and legal action if this does not get resolved on both our credit reporting. My wifed has called several times because I work late and I have given them permission to speak to her on my behalf and they refuse to resolve.
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 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: Debt collection

National Credit systems are not compliant with my state laws which is the state of Florida. And because of this they can not collect in my state
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX, 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. These accounts are not mine, and I have no connection to them. Since they are negatively affecting my credit score and my ability to rebuild it, I kindly request that you remove these fraudulent accounts from my credit report. 

This request is made under the Fair Credit Reporting Act, which protects me from inaccurate or misleading information in my credit report. I would appreciate your prompt attention to this matter and confirmation of the removal of these fraudulent accounts from my credit history. 

I am attaching copies of the necessary documents to verify my identity and support my request. Please let me know the status of this claim as soon as possible
Product: Debt collection

I have been trying to get this stuff validated since XX/XX/XXXX and i keep getting the run around or stall tactics. It is really frustrating and i can even sleep properly at night because of this stress. They are reporting this information on my credit report and they have not even validated it properly. They ignored me so much that I had to make a XXXX  complaint against this collection company after no response for 90 days. After that they finally replied back to me on XX/XX/XXXX with a response saying they notified me of the alleged debt. But it still didn't validate any of the accounts. I had to ask again for validation, at this point it was 120 days. I asked for proper validation on XX/XX/XXXX and then on XX/XX/XXXX but they still didn't send me my validation requests at all only a bill. How is that proper validation? Finally I received some information which i will attach here on XX/XX/XXXX that contained personal, sensitive information about specific medical care. It is really crazy that 21 pages of sensitive information got into the hands of a 3rd party debt collector who i never signed any release of private information to. That has to be some sort of HIPPA violation right?
Product: Debt collection

I receive repeated calls from Portfolio Recovery Associates. They call from a different phone number every couple days. I almost always answer the phone and I am greeted by someone telling me their name and asking me to verify sensitive information like address, date of birth and social security number. I then ask who they are and what company they are calling from to make sure I am not giving my information to scammers. The majority of them refuse to tell me what company they are calling from. I then ask why they are calling but they say it is about a personal matter and refuse to give more details until I give them my sensitive information. Several others tell me the name of the company, to which I verify the information and we continue to have a conversation about the debt. I then explain to these folks that I was laid off from work and have had difficulty finding another job due to my specialized industry. I even cried to one of the operators about the trouble I have had over the last 2 years. The other operators have also said they understand the circumstances why I can't pay or make payment arrangements but some have gone as far to ask me if I have family members that can help me out. They also say they will make notes on my account so I do not receive repeated calls but I receive more phone calls just a few days later and have to go back through this same process again with someone else refusing to tell me who they are or why they are asking for my personal info. This has been going on for at least 6 months now and the phone calls average twice a week and always from a different phone number. I have repeatedly asked them to stop the calls and I will be in contact as soon as I can make some kind of arrangements. The only relief I have had was from the operator I cried to. After talking to him, the phone calls stopped for a couple weeks. The phone calls resumed about 3 weeks ago and its now back to the same issues at least twice a week with someone asking for my info while refusing to identify why they are calling or the company they are calling from.
Product: Vehicle loan or lease

XXXX issues with Navy Federal Credit Union : 1. I applied for a used vehicle loan for a motorcycle. I was told that within 30 days, the same credit report could be used for a used vehicle loan for a car instead. I am not being told that they can pull a new credit report although unlikely, and I have to agree to let them pull a new one. I can not see if they will use the old one first. They are forcing me to authorize another hard credit check when it will not be needed. 

2. I asked for a copy of the report used to determine my credit score with Navy Federal CU. They are refusing to provide me the report and instead are telling me to contact XXXX  for a report. I am asking for their report to determine if there are items on that report that are in conflict with XXXX, as XXXX XXXX score is significantly higher than NFCU 's score. 

These conversations are recording and verified recording by the manager I spoke with at XXXX on XXXX XX/XX/2021 I have been a member of this bank for XXXX  years and I have never been treated so poorly and coldly in my life. I am seriously debating terminating my business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, Equifax released a press release that there was a breach in there system from mid XX/XX/XXXXuntil XX/XX/XXXX. Around 143 million US had their information stolen due to unsatisfactory security techniques utilized by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had scholarship with  XXXX  university, earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting

I have XXXX hard inquries on my credit report from Clarity Consumer Services that state they pulled a hard inquiry from XXXX Credit Agency on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX stating XXXX and XXXX.I never had applied for any credit from these XXXX places or gave consent to pull my credit. I had disputed this with Clarity, faxed over a document, identification, and gave them authorization to investigate and was told they would not delete off my credit report.
Product: Vehicle loan or lease

On XX/XX/2021 I, consumer XXXX XXXX certified mailed Credit Acceptance CEO- XXXX XXXX an Affidavit of Truth along with a Cease and Desist letter informing them of the many violations against me. Credit Acceptance received each letter on XX/XX/2021. In the Affidavit of Truth letter I informed Credit Acceptance of the violations against me the consumer. Inside of my Cease and Desist letter, I informed Credit Acceptance that I'm now exercising my right of rescission, and I will retain possession of the property.

Pursuant to 15 USC 1635 : When and obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charges, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of recession, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

Within 20 days after receipt of this notice of rescission by federal law, you are required to return all money to me ( amount included in the Bill of Particulars ), and you shall take any action necessary to reflect the termination of any security interest created under our credit transaction.

Credit Acceptance did not disclose my right of rescission which is a violation of 15 USC 1635. Pursuant to 15 USC 1640, any creditor who fails to comply with any requirement imposed under section 1635 of this title, with respect to any person is liable to such person, ( 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) ) in the case of an action twice the amount of any finance charge in connection with the transaction Pursuant to 12 CFR 226.15 ( a ) and 12 CFR 226.15 ( d ) I've informed Credit Acceptance of their violations by certified mail delivered on XX/XX/2021.
Product: Money transfer, virtual currency, or money service

My TD bank account was flagged for suspicious activity, however the account still completed a XXXX  transaction of {$500.00} after being alerted for suspicious activity. I did not receive any notification alerting me to verify the transaction.
Product: Debt collection

The company all state credit bureau is not licensed and bonded in Michigan to act as a collection agency currently. They are illegally attempting to collect debt although not properly licensed. the calls are very aggressive and harassing as well