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

XXXX Auto Reseller XX/XX/XXXX Experian XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX Experian XXXX Miscellaneous Department and Variety Stores XX/XX/XXXX Experian XXXX Specialty Clothing XX/XX/XXXX Experian XXXX XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Debt collection

I received an alert from XXXX XXXX saying a collection was added. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and need it removed
Product: Student loan

To whom it may concern ; FedLoan Servicing dropped the ball on including XXXX loans in my original consolidation in 2014. I make my payments each month on time, in fact early. Now I will be garnished by the Michigan XXXX XXXX within 24 hours for a negligence that is not my fault. My credit has been compromised ; I was denied the ability to purchase a vehicle due to this issue. I 've never defaulted on any of my student loans. I did everything I was supposed to do. I can not believe this is happening to me and family. I am being penalized and garnished for this company 's mistake. I 've been calling FedLoan Servicing for 9 months trying to get this matter resolved and have received no help. I contacted the US Department of Education Ombudsman Group for help and I have not received a response from XXXX XXXX ( XXXX ) XXXX who is working my case in weeks. No one will help me. Please can someone contact me today ... .I desperately need your help. 

Thank you.
Product: Money transfer, virtual currency, or money service

Yesterday XX/XX/XXXX i had recieved a XXXX  deposit for a little under XXXX dollars to my cashapp account. This transaction had be done multiple other times for various amounts between me and the same organization no problems. Then cashapp decided to " review '' this transaction. They essentially took my bitcoin deposit and are almost holding it ransom while providing zero reason or anything to back their actions. I reached out through phone and their chat and can be told nothing other than wait for an email. Cashapp is essentially stealing my money with no justification or reason and im tired of companies thinking they can do whatever they want with zero repercussions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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. 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. 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. The following inquires has also been opened up under my social security number fraudulently. Resident Verify XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the list of inquiry that is still reporting on my Credit Reports : XXXX-Date of XXXX  XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I am making this complaint on behalf of myself, and not through a third party. 

I have been trying to resolve this issue with XXXX since XX/XX/XXXX. I sent them a letter for them to validate the debt they claim I owe on XX/XX/XXXX. They did not respond with what I requested and what is required by law. I've submitted several CFPB complaints along the way as this company continues to violate me. They closed my account, used all of my reward cash, have reported late payments and charged late payment fees on charges I have been disputing. I am a victim of identity theft and reported that to FTC in XX/XX/XXXX. I have since then sent an Affidavit of Truth to Discover requesting response in affidavit form attempting to rebut my claims made. They have not responded and no further action to resolve this issue has been taken. I included exhibits with the affidavit detailing laws they have broken and an invoice for each. This situation causes me immense amounts of stress every day and is causing my credit score to drop to poor levels further compounding the negative effect this company is having on my life. I have included everything I have done so far.
Product: Mortgage

We have had a very difficult time with Statebridge. At this point I believe they are a very dishonest and predatory servicer. In XXXX we were a victim of the mortgage crisis and applied for Making Homes Affordable Program to resolve the bad loan from XXXX XXXX. We were approved for the HAMP program. We were upside down on our mortgage and were told we no longer had a 2nd. The 2nd was removed from the fraudulent XX/XX/XXXX loan. 

Now 12 years later! AFTER a global pandemic! Statebridge contacted us stating we are now facing foreclosure. We were very affected financially during the COVID Pandemic and could not believe this was happing to us. On top of that Statebridge is stating the loan is now over {$100000.00}. 12 years later we can not believe this is happing to our family. We have always been current on our first mortgage with XXXX. 

We applied for a modification to try and resolve. We were declined. This is were we are starting to realize we are dealing with a dishonest company. 100 % predatory lender trying to drive our family into a foreclosure and loose our home. 

Our Complaints : First we were told our file was in review with the underwriting department. During this time Statebridge placed a foreclosure sale date on our house. 4 days after Statebridge placed a sale date on our property we were told we were declined by the investor. From our understanding that is illegal in California. Dual tracking under the California Homeowners Bill of Rights.

Secondly, the reason for the decline is a complete lie. It makes no sense and more proof that Statebridge is a predatory lender.

Modification Program Denied Does not meet the Investors Loan-to-Value requirements. 

This is clearly a lie. We owe {$280000.00} on our first mortgage. Our current value on our property is {$870000.00} - {$920000.00} minimum. Also our debt to income ratio meets all mortgage banking guidelines. Based on this denial it looks like Statebridge is not looking at the information provide for the notification review. They are lying and declining the file after they placed a sale date on the property. All of this seems very illegal. 
Third issue we have with Statebridge and the investor. We have been told this lien is a HELOC. A line of credit, not a mortgage. If it is not a mortgage, is there not a statute of limitations for a line of credit?? Like a credit card.
Product: Credit reporting or other personal consumer reports

I am following up on my recent complaint dated XX/XX/XXXX. As stipulated by FCRA Section 605B, Credit Reporting Agencies must remove items listed on an identity theft report. My reference number is XXXX. Enclosed with this complaint are the necessary documents to facilitate the removal of the erroneous personal information and inquiries that have appeared on my report. Below is a list of items that were opened without my consent : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under FCRA Section 605B ( a ), credit reporting agencies must remove items identified as resulting from identity theft within four business days of receiving the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am part of the Equifax breach. I feel like I should be given 7 years of free credit monitoring by the company. I also would like to be able to remove my information from their database since they clearly can not be trusted with it.
Product: Debt collection

XXXX XXXX XXXX kept contacting multiple people of my family and more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I run free credit reports periodically. Ran reports today for XXXX, XXXX and Experian. 

Report showed XXXX soft inquiries from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ). 

While I realize that soft inquiries don't impact my credit score, I have never been a customer nor had any interaction with XXXX XXXX. 

I called XXXX and they advised they had no record of my ( by email address ) and couldn't help me. They stated I would have to dispute with Experian. 

Tried to submit a dispute online with Experian but their website doesn't allow disputes of soft inquiries. I did notice that there was a new soft inquiry showing for today ( XX/XX/XXXX ). 

I called Experian where they advised the could put a fraud alert on my record but they couldn't remove the soft inquiry. 

I pointed out that ( possible coincidental ) the XX/XX/XXXX and XX/XX/XXXX also correspond to dates when I ran credit reports and also show soft inquiries by Experian. I CAN'T NECESSARILY PROVE IT, BUT IT WOULD APPEAR THAT RUNNING A FREE CREDIT REPORT WITH EXPERIAN IS RESULTING IN A SOFT INQUIRY AND SHARING OF MY DATA WITH XXXX XXXX. 

The representatives put a fraud alert on my record and reactivated promotional offer opt-out, but stated that Experian has no relationship with XXXX and the free credit reports are not causing the soft inquiries. A simple web search reveals that there is a relationship https : //fintechmagazine.com/articles/experian-marketplace-giving-financial-power-to-consumers I have attached credit reports from XX/XX/XXXX and today. Page 12 of the XX/XX/XXXX report shows the XX/XX/XXXX and XX/XX/XXXX soft inquiries to XXXX. Also attached is an online screen shot from the Experian dispute website that shows the new soft inquiry on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian credit bureau XX/XX/2019, asking them to remove a bankruptcy from my credit report because it's against the law to report this information they obtained from a third party known as XXXX XXXX they said they verified the information and refused to remove it. I'd like them to remove the bankruptcy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 
The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : Alleging Creditor and Account as is reported on my credit report : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account- XXXX Comment : inaccurate, DATE OPEN, on my TransUnion and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines
Product: Credit reporting

XXXX is single handedly working to ruin my credit. In short I had a XXXX XXXX cc back in about XX/XX/XXXX they allowed someone to charge close to {$3000.00}. For XXXX tix to XXXX of course I reported it took them months to correct after my many calls, long waits on the phone & wrong info from their reps. I was told the account was closed after they had a collection agency call me for XXXX I had excellent credit and always pay my bills on time. XXXX I wanted the acct to stay closed because of XXXX bad customer service. Lo & behold I get a bill from a supposed closed account in about XXXX 2015 for chgs made in XXXX XXXX for XXXX & XXXX totalling about XXXX. Here I go again dealing with their negligent, why you bothering me customer service. After much long waits online dealing with their lazy supposed supervisors & sending XXXX to a phony BLpres. Email address they gave me with no response of course I filled out yet another fraud report sent to them XX/XX/XXXX and have not heard anything yet. I discover today that my credit score has gone down XXXX points with XXXX & XXXX with Transunion. Putting my almost XXXX score to the low XXXX 's. I have, worked all of my adult life to build my credit and these criminals are destroying it. I believe this has to be an inside job. How can someone charge on an account that I was told was closed? I 'm done with this company and I want them out of my life and my good credit to be restored & my score corrected. What can I do? What recourse do I have against this company?
Product: Mortgage

I completed heloc modification with bank of america on XX/XX/2015.I noticed the following months that the loan did not reflect my new terms or payments.Bank of America miscalculated my interest and has overcharged me.Bank of america has yet to complete their process. Due to BOA actions and lack thereof it presently appears that I am delinquent for 9 going on 10 cycles and my credit scores has been drastically affected.I have been trying to resolve this since XX/XX/2015.
Product: Prepaid card

- I bought XXXX ( XXXX ) {$500.00} Vanilla gift cards back in the fall of XXXX. I tried multiple times to use the cards, without success. After reading the terms and conditions, I called to request that the cards be closed and a refund check mailed to me. I was told to email the requested information and reference case XXXX and case XXXX. I emailed that information XX/XX/XXXX, and received XXXX ( XXXX ) confirmation emails that my requests had been received. 

- I received a letter dated XX/XX/XXXX, from Incomm stating that they would not be issuing a refund check because I had previously requested refund checks on more than XXXX occasion. They did this despite no verbiage in their Terms and Conditions indicating there is a limit on the number of times a refund check can be requested. 

- I called Vanilla on XX/XX/XXXX, to request replacement of the original XXXX ( XXXX ) cards plus an additional one ( XXXX ) card I had purchased that was not working. I was told I needed to submit a verification of address to receive the XXXX ( XXXX ) replacement cards. No case number was provided to me. I submitted the requested information by email on XX/XX/XXXX, and received a confirmation email that my request had been received. 

The card serial numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I called Vanilla on XX/XX/XXXX, to check on my request for replacement. Confusingly, I was told that a refund check would be sent to me within XXXX weeks. 

- I called Vanilla on XX/XX/XXXX, to check on the status of the check/replacement cards. I was told by the customer service rep, XXXX, that no check was coming and that the cards could not be replaced. While speaking with me, he claimed to reactivate all XXXX ( XXXX ) cards and guaranteed they would work. 

- I tried to use all XXXX ( XXXX ) cards today, XX/XX/XXXX. None of them worked. 

- Vanilla is holding my ~ {$3500.00} XXXX, despite the fact that I have requested both replacement cards, which they refuse to provide, and a refund, which is fully supported by their written terms & conditions, which states : IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD. SAVE YOUR RECEIPT AND CALL XXXX TO CANCEL THE CARD AND TO REQUEST A REFUND.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received a certified letter concerning inquiries that I did not authorized. They have yet to respond to my request. They have the wrong person, and I expect Experian to investigate this claim and delete these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Payday loan, title loan, or personal loan

I have called, emailed and submitted a chat requesting a revoke to my ACH authorization. They are refusing to honor a mailed written request unless I also send them additional documentation including a selfie.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have in previous letters to Experian ( most recent attached ) asked to have XXXX XXXX XXXX ( Supposed Bankruptcy ) Re-Investigated pursuant to the Fair Credit Reporting Act, Their response has been that the item was verified as mine per a third party Data  Furnisher XXXX in XXXX 2019. I have informed them and provided proof that they could not have verified these items with XXXX as I have a letter from them stating that my file with them has had a Security Freeze on it Since XXXX of 2019. It is impossible for them to have verified any information with them and my Consumer Rights have been Violated by their inaction to correct the matter.

Also, I have challenged several Credit Inquiries as not having my authorization for the hard pull on my Experian credit file. They refuse to provide me with any proof that they are mine such as a hard signature etc. I have stated that these companies did not have permissible purpose to do a hard inquiry by me and that they should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$32000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$320.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$29000.00}.