23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, 2015 I entered a written dispute with ARC MANAGEMENT GROUP reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ARC MANAGEMENT GROUP was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARC MANAGEMENT GROUP failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARC MANAGEMENT GROUP an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARC MANAGEMENT GROUP failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ARC MANAGEMENT GROUP is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARC MANAGEMENT GROUP have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud. 


A full and complete deletion of offending ARC MANAGEMENT GROUP collection account from my credit report at the XXXX, XXXX and XXXX XXXX consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax, and XXXX have not removed a fraudulent account from my credit report. I've disputed it multiple times. I even have proof from the collection agency that the account was open in a different state. here is the proof below. this account needs to be removed as I did not open it. and they have yet to provide evidence this belongs to me. 

the account number is XXXX account name is XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought the car and payed way to much for a XXXX  XXXX XXXX I payed XXXX something and my interest rate is 20 %. That is ridiculous for this car.
Product: Money transfer, virtual currency, or money service

Attempted to link PNCs account information to a mobile investment app named XXXX. Was told by XXXX that due to recent changes with PNC the accounts are unable to be linked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX. XXXX XXXX XX/XX/XXXX {$1600.00} XXXX. XXXX  XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

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

On XXXX XXXX, 2017 and XXXX XXXX, 2017. I had put in a dispute that there is this address that does not belong to me. I have never lived at XXXX XXXX XXXX, XXXX, Louisianna XXXX. It is still on my equifax report. Why has it not been cleared away after 2 tries? The only email that I have received was that you have received my dispute with a number. I hope we can get this resolved, finally. Thank you
Product: Debt collection

I received an alert from the Credit Bureau for a collection account from from XXXX XXXX XXXX ( XXXX ) that there was an alleged debt with XXXX XXXX  XXXX as of XX/XX/XXXX. I pulled the address from the Credit Report and responded requesting validation of the debt. My initial attempt to contact the was returned as undeliverable in XX/XX/XXXX with the address that they were reporting to the credit bureaus ( XXXX XXXX XXXX XXXX, VA XXXX ). I conducted additional research and found another potential address. I contacted the collection agency to dispute the debt and advise them that I did not owe this location money. 

During this time, XXXX XXXX XXXX continued to report this information to the credit bureau ; even during the dispute time. I received a letter back using the alternate address ( not the one on my credit ) that the account had been " validated '' which was mailed days after XXXX reported that they had mailed the information to me. 

I sent another letter to XXXX advising them that they have violated the FDCPA and had continue to report a debt to the credit bureaus after receiving notification that the debt was disputed. I further advised that if they did not correct this issue and refrain from reporting this inaccurate information, I would have no choice but to take further action. To date, XXXX has chosen not to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received phone calls last week on persons trying to open accounts under my name with XXXXt and XXXX.realized only today an account was opened with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I am writing to formally dispute the inaccurate reporting of my account Sunset Fin Account XXXX on my credit report. 



The account was closed and charged off ; however, it is being inaccurately reported as a charge-off on a monthly basis. This is incorrect and misleading. A charge-off is a One-Time Event and should Not be repeatedly updated Each Month as if it is a new occurrence.

Details of the Dispute : Account Name : Sunset Fin Reported Balance : {$750.00} ( as of XXXX XXXX XXXX ) Issue : Incorrect repeated charge-off reporting on a monthly basis. 



This misreporting is harming my credit score and does not accurately reflect the status of this account.

Requested Action : I request that you : 1. Investigate this matter promptly.

2. Cease the repeated monthly charge-off reporting.

3. Update the account information accurately to reflect the correct charge-off status as a One-Time event.

4. Notify me of the results of your investigation and provide a written confirmation of any changes made to my credit report.

I have attached the following documents to support my dispute : Screenshot of the incorrect reporting. 

Relevant account details from my records. 



I expect your investigation and response within the 30-day timeframe as required under the Fair Credit Reporting Act ( FCRA ). 



Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX Let me know if you need help customizing this further!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account that is reporting on my credit report from XXXX XXXX I have paid this collection and in turn received a letter from XXXX confirming that they will indeed request the credit bureaus to delete this account. This occurred on XX/XX/XXXX, however, as of XX/XX/2021, the derogatory account still remains on my credit report despite written confirmation from XXXX that it would indeed be deleted and that a request has been sent for deletion as well. I have attached the letter from XXXX below.
Product: Checking or savings account

As a client of XXXX by XXXX XXXX, I participated in the referral program whereby inviting a friend to open an account earned me an additional percentage point in APY rate in my saving account. 

Want to earn an additional 1.00 % APY on your XXXX XXXX account? Here 's how! 
With XXXX Referred our rate-boosting referral program current and new customers can get a rate bonus on our Online Saving Account for 3 months My friend opened a new CD account, using the link that I sent him on XX/XX/23, therefore he doesn't earn the bonus, but I did, because I referred him. 

The bank has refused to apply the bonus to my account, I have tried several times to have the bonus applied to me through XXXX support, and the request has been ignored. 

At some moment they told me through the support chat that the person named I referred ( AR ) had to contact them and request the manual application of the code because the link with which the account was opened had not been applied correctly or automatically. 

My friend spoke via support chat receiving multiple refusals to apply the bonus to the person who had referred him, because he opened a CD and not a saving account. 
My friend called support and his request was repeatedly denied. 

I request that this action be investigated in accordance with the regulations set forth by XXXX in his application which I share below : XXXX by XXXX XXXX Referral Program Terms Existing Customers As an existing XXXX deposits customer, you can receive a promotional XXXX Referred Rate ( defined below ) on all of your XXXX XXXX Savings Account ( s ) ( each an OSA ) after a New Customer ( defined below ) opens a new OSA or Certificate of Deposit ( CD ) using your unique referral link ( a Successful Referral ). Adding a joint owner to an existing OSA will not count as a Successful Referral. Your unique referral link will be accessible in the XXXX Referred Center. You can access the XXXX Referred Center by logging in and selecting XXXX Referred in the menu at the upper right corner of any page.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I applied for a personal loan to consolidate debt at XXXX XXXX Branch on XXXX XXXX ( XXXX XXXX, SD ). During the application process, the banker repeatedly asked me to sign, electronically, several documents ; none of which I could review until after she printed them. I have no idea if she added other documents and gave me an accurate description, then printed and held on to them for future use. This in itself is a poor business practice in a banking institution that is trying to recovery from massive fraud. On XX/XX/2020 XXXX XXXX sent an e-mail stating ; " Thank you for your XXXX XXXX Unsecured Personal Loan application. Unfortunately, we're not able to approve your request at this time. '' The e-mail stated I would receive a letter within 7-10 business days stating why I had not been approved. I did not receive the letter and have made multiple calls to XXXX XXXX getting the run around each time. I called Equifax and requested a copy of my credit report and as of this writing I have not received a requested credit from Equifax. I have seen several gang members who seem to be cozy with XXXX XXXX employees at this branch. Given the outcome what is to prevent them from approving the loan, then transferring the funds ( FICO score went down prior to loan application due to new accounting methods, but increased after loan was turned down )
Product: Credit reporting or other personal consumer reports

Subject : Notice of Adverse Action Due to Furnished Records Without Consent I am writing to formally address a serious concern regarding the recent furnishing of my records by Checkr without my explicit consent. This action has had a direct and significant impact on my professional life, resulting in the loss of a valuable employment opportunity due to unsubstantiated allegations contained within those records. 

On XX/XX/year>, I was informed by XXXX that they received records from Checkr, which they relied upon to make an adverse employment decision against me. I was neither informed of the existence of such records nor did I provide any authorization for their release to any third party, including XXXX. The allegations contained within these records were both unexpected and unverified, and as a result, I was denied the position. 

This action by Checkr not only violated my rights but also caused significant harm to my reputation and career prospects. The lack of consent and notification deprived me of the opportunity to address or refute the allegations, resulting in undue prejudice against me. 

In light of this situation, I request the following actions from Checkr : Immediate Rectification : Provide a detailed explanation of the records furnished, including the source of the allegations and the rationale behind the unauthorized release of my information. 

Formal Apology : Issue a written apology acknowledging the error and the impact it has had on my employment prospects. 

Cease and Desist : Immediately cease the release of any further information about me without my explicit written consent. 

Reparations : Offer appropriate compensation for the financial and professional damage caused by this action. 

Preventive Measures : Implement measures to ensure such unauthorized disclosure does not occur in the future, and provide a summary of these measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : I have a public record & XXXX  XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Debt collection

spoke to state collections to resolve issue but they were only interested in collecting information from me. on XXXX XXXX told them to send me information about this debt as required by law, still have not received information. they have reported to credit agencies affecting my credit.
Product: Vehicle loan or lease

I have been calling Bridgecrest multiple times in order to make a payment. A few weeks ago, my online account access is disabled and my account is in collections. I have been attempting to make a payment but when I call, I am told that I can't make a payment until someone in the Agency/XXXX  department calls me back. I have never received that call back and I need to make a payment or my account will be further in debt. It seems like this is being done purposefully so that my account will remain past due. All I want to do is make a payment on my car without risk of it being repossessed and going through a 6 month long process again. I finally got resolution to a prior issue and now I am encountering this. I need help immediately. No one is helping me out. I was told that a credit was applied to my account for my last issue and I do not believe that was done. If so, I need to see proof of it in writing.
Product: Mortgage

My loan originated with Flagstar bank in XX/XX/XXXX. As of XX/XX/XXXX my wife and I are in the final steps of refi of a conventional fixed mortgage with payout. We contacted Flagstar for a payoff quote Monday XXXX XXXX - which was never received. As of XXXX XXXX, they told us they have sold and transferred the loan to XXXX. We were never informed of the sale. XXXX has told us that it might take up to two weeks for the loan to populate in their system. Our lock-in expires on XXXX XXXX. No one at Flagstar is willing to help us with loan transfer process, or help to get us a payoff quote. No one at XXXX seems to have access to the information. WE NEED HELP! QUICKLY!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit card or prepaid card

To Whom It May Concern : I am writing to file a complaint against Bank of America for withholding the promised bonuses on my two credit card accounts. I opened a Bank of America Customized Cash Rewards Credit Card in XXXX and a Bank of America Travel Rewards Credit Card in XXXX. Both of these cards offered sign-up bonuses of cash and points. However, after meeting the requirements for the bonuses, I was never awarded them. 
I have spent many times taking trips and speaking to a banking advisor in the Bank of America branch several times to inquire about the bonuses. I have been told that there was a " system error '' and that I would be awarded the bonuses in the next billing cycle. However, this has never happened. 
I have also reviewed Bank of America 's terms and conditions for these credit cards. These terms and conditions state that the bonuses will be awarded as long as the following requirements are met : * The account is opened and activated within 30 days of approval. 
* The accountholder spends a minimum amount of money on the card within the first 90 days of account opening. 
I have met both of these requirements. Therefore, I believe that Bank of America is in breach of contract by withholding the bonuses. 
This is not the first time that Bank of America has been accused of withholding promised bonuses. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Bank of America {$30.00} million for misleading customers about credit card rewards. The CFPB found that Bank of America had offered sign-up bonuses to customers but then failed to provide them the bonuses due to employee error. 
I believe that Bank of America 's actions in my case are also illegal. The Federal Trade Commission ( FTC ) Act prohibits unfair or deceptive trade practices. In my case, Bank of America made false promises about the bonuses that I would receive if I opened their credit cards. These false promises were designed to induce me to open the cards. 
I am also concerned that Bank of America 's actions have violated New Jersey state law. New Jersey law prohibits unfair or deceptive business practices. In my case, Bank of America 's actions were unfair because they misled me about the bonuses that I would receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of information on my credit report, in accordance with 15 U.S.C. 1681 and U.S.C. 1692G ( 5 ) ( B ). I believe that the following accounts and information are incorrect and should be removed : 1. Collection Account : [ Account XXXX XXXX ] [ Explain why this collection account is inaccurate, e.g., not owned by me, incorrect amount, etc. ] 2. Late Payment Account Name XXXX ] [ Explain why this late payment account is inaccurate, e.g., payment was made on time, so please update as paid as agreed ] 3. Incorrect Address : [ Address XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ] [ Explain why this address does not belong to me and should be removed from my credit report. ] I request that you conduct a thorough investigation into these matters as outlined in 15 U.S.C. 1681i. Please provide me with a written explanation of your findings and any actions taken to rectify the inaccuracies.

I am relying on the protections provided by 15 U.S.C. 1681s2 to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and your commitment to upholding the integrity of credit reporting.

Sincerely,