23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I sent a letter with USPS tracking number XXXX that was signed for on XX/XX/year> requesting validation of evidence bearing my signature that I had a contractual obligation to this account. No evidence was produced bearing my signature within the 30 day time frame. On XX/XX/year> another letter was sent with USPS tracking number XXXX that was signed for on XX/XX/year> notifying that the information requested was not furnished. No evidence was produced bearing my signature within the 30 day time frame. Another letter was sent XXXX tracking number XXXX on XX/XX/year> and received on XX/XX/year>. Again requesting validation showing that I have a legal binding contract bearing my signature with said company for what they are reporting inaccurately.
Product: Credit reporting or other personal consumer reports

PLEASE PROVIDE A COPY OF 1099-C UNDER THE FCRA I CAN SEEK STATUTORY DAMAGES IF A CREDITOR FURNISHES INACCURATE INFORMATION ABOUT A DEBT SUCH AS REPORTING A CHARGE OFF WHILE STILL CLAIMING I OWE A DEBT ON MY CREDIT REPORT
Product: Credit card

I have been unable to view past communication or statements on Kohls.com website. They make it very difficult to view pertinent account info. 
I closed this account in XXXX. This week I received a credit card from Kohls paired with Capital One. I know I tried to close this account three years ago.I was told three years ago this issue had been addressed, but it was obviously dismissed. 
I spoke to XXXX at Kohls customer service today, XX/XX/XXXX to inquire as to why they sent me this card. I was told the account is still active. She did not send me a confirmation that this account is now closed, as requested. I doubt it actually is. XXXX said I also need to call Capital One now, in order to fully cancel this mess that I never signed up for. This is predatory. I want all of my info and accounts with Kohls & now, Capital One closed permanently & I want a confirmation verifying they in fact have done so. I am not & will never again be a Kohls customer.
Product: Debt collection

I do not owe the debt collectors client anything. This claim is in dispute. The debt collection company has not substantiated the claim.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 

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



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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: Mortgage

I attempted to call on Friday XX/XX/XXXX and was stuck in an infinite automated loop during business hours where I was never sent to an agent. 

Prior to that I have paid my mortgage on the phone with no issues using my account number and social, their new automated system ( as of XXXX I assume ) asks for an ATM pin to access my mortgage account. 

I do not have an ATM card, just a mortgage with them. 

The payment is due on the XXXX but as that was a Saturday I figured I would call again Monday. 

I call again Monday the XXXX and experience the same issues, I can not get to a person. I then use the bill pay on my checking account and submit a payment. 


Today XX/XX/XXXX I get refunded this payment I made, I can only assume why they rejected my payment considering I can not get into contact with them at all. 

They have no support for paying your mortgage online without getting you to sign up for a checking or savings account, feels super predatory.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Subject : Report of FCRA Violations by Equifax Dear Sir/Madam, I am writing to formally report violations of the Fair Credit Reporting Act ( FCRA ) by Equifax. Specifically, I believe that Equifax has failed to comply with the provisions outlined in 15 U.S.C. 1666b, which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ( Late Payments are Transactions or Experiences ) Furthermore, according to 15 U.S.C. 1681a ( 2 ) ( I ), it is essential to note that a " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the reporting party. This indicates that Equifax has violated my rights by furnishing inaccurate information on my credit report without my written consent.

I request that Equifax provide me with the original signed contract related to my account within five days of this letter 's date. If they are unable to provide this documentation, I demand the immediate removal of the account in question from my credit report.

Additionally, I am uploading copies of Equifax 's credit report obtained from their app, along with another report from XXXX, for your review. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, Here is a copy of the stall letter I received stating they can't locate a credit file.
Product: Debt collection

OnXX/XX/2013, this debt for {$68.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you  have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report.
Product: Student loan

I began the process of repaying my student loans inXX/XX/XXXX. I made an error and missed my first repayment date by three days, so when I payed the loan amount, {$370.00}, I was charged for both the month of XXXX and XXXX. Making the two payments allowed me to get caught up and have some time to save for the payment that would be due on XX/XX/XXXX. In order to make sure I did not miss the date again I enrolled in the Autopay feature so when there is a balance on my account, the {$370.00} would be taken on the due date, the XXXX of every month. I logged onto my account today, XX/XX/XXXX, to make sure that everything was going smoothly since my next due date is coming up in three days. To my surprise I saw that my account had been charged for the XXXX payment, which was two months worth, totaling {$750.00}, again for the XXXX payment, {$370.00}, and again for the XXXX payment. All of this time my total balance due on the XXXX of every month has been {$0.00}, and yet money is still being taken out. When I noticed this I called Navient to discuss what to do since I am still being charged and I am a month ahead. I wanted to have the balance even out so I would have that one month of recovery period to get money back into the bank. I was put on hold and then told I could be helped if I agree to the terms and conditions, I did not think about it until I heard that I would be put on a forbearance because I was not able to pay. This is crazy! I am able to pay, I already did pay, and now they want to charge me interest and say I am not able to pay to make up for their billing system errors.
Product: Mortgage

My current lender is PHH mortgage. I am trying to refinance into a lower interest rate and lower monthly payment through XXXX mortgage. I am recently discharged from Chapter 13 bankruptcy. I am attempting to get my statement from PHH but they are refusing, They are telling me that the discharge of bankruptcy from the court is not enough. They claim they need a " termination '' of bankruptcy from the court. When I spoke to the BK department of PHH, they refused to give me the employee numbers. When I attempted to call the New Jersey office, I was transferred to XXXX to speak with XXXX who again would not give me an employee number and then he transferred me back to NJ, twice, where they hung up on me each time. These events all transpired between XXXX and XXXX on XX/XX/2016. I am just trying to get me statement from my current lender in order to refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of thelast letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and stillnothing from them. That means Equifax has NOT complied with the FairCredit Reporting Actlaw and continued to report inaccurate information on my credit report. UPDATE OR REMOVETHIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 49 financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

How was First Republic Bank able to make ALL of those low interest loans to clients without actually VERIFYING whether those clients had the ability to pay. I have met at least two clients who said a ) they never checked my income [ one was a realtor ] and b ) IF I put $ XXXXXXXX XXXX into XXXX they'll give me a loan. 
How does this follow the CFPB 's requirement ( that I, as a mortgage originator MUST follow and have followed these past 15 years! ) to verify the person 's actual financial ability to pay the loan. They have based ALL of their loans on client relationships with 'only ' wealthy customers ( another violation of potential redlining or covert bias ) and on the idea that, at least at the inception of the loan, the borrowing clients put $ $ $ into XXXX. These same clients were allowed to pull the funds immediately after close. And you're surprised they're on the verge of receivership. WHY WEREN'T YOU WATCHING THIS??!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit companies are told to report the way or it automatic with me and others. I feel like as soon as I make a payment of {$500.00} or more my credit score does not go up at all but as soon as its a $ XXXX {$50.00} increase to anything on my credit it goes down 20/30 points. 

Then every thing that is in collections is being reported every month which I think is a inside job because the amount does not change but yet it keep being reported and making my credit go down and stay below XXXX. Since Janurary I have been paying my car note every 2 weeks {$500.00} each and once it gets reported it goes up 2 points but like I stated I get a {$20.00} increase in a bill it goes down drastically. I would like someone to open up an investigation on all 3 credit companies regarding my credit because I feel like I am being ripped off by these credit companies. I do not know if its the color of my skin or what but in the last couple of months I have bought my car note down almost {$5000.00} but yet no major increase. 

1 ) My collections are being reported every single month which is not right. 
2 ) I have paid {$5000.00} or more in car note in a couple of months but it has not budged. 
3 ) A account can get a {$20.00} increase and my credit goes down 30+ points 4 ) My school is on my credit and ruining my life even though the department of education has sued the school for fraudulent acts and the Dept of Edu won millions but the school loan is still on my credit. 

XX/XX/XXXX {$20000.00} in unnecessary loans
Product: Consumer Loan

Rise Credit : XXXX, TX XXXX Part acct : XXXX We got a loan from Rise Credit for {$5000.00} and payments have been made over {$2000.00} approx. and yet the company does not allow access to my account information online or billing by mail, Why? I have asked XXXX for help and yet My balance does not seem to match what we have paid ; in total. Can you please investigate Rise Credit and XXXX for Fraud? XXXX ; XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had existing loans through Affirm that were valid, but there were fraudulent loans showing on my account that I did not authorize or know where they came from. When I realized the loans were showing on my account and showing as past due, I contacted Affirm and disputed them. When Affirm would not do anything with my dispute, despite certification that they were fraudulent transactions, I attempted to dispute them with XXXX. To avoid further damage to my credit report and because the loan was a small amount ( less than {$1000.00} ), I paid the loan while I tried to resolve the dispute. 

Affirm claims to have verified the information on my report, but will not verify that the transaction was disputed and was fraudulent. XXXX continues to keep the late payment on my credit report even after I filed a dispute. 

The documentation available on my account indicates that the account was fraudulently opened in my name using a stolen credit card number and an old address that I have not lived at for over 2 years. I dont know who or how my information was obtained to commit this fraud, but I do know that it wasnt mine. I have verified, repeatedly, with XXXX and Affirm that these are fraudulent.
Product: Student loan

I was told about the company Premier Student Loan Center by my cousin who had spoken with a representative that told her he could get her student loans forgiven and that if she referred people to him she would get a {$25.00} gift card for each referral. I called the company and a representative told me he could get my loans reduced but he had to confirm that I qualified. I gave him all of my demographical information and verbal permission to access my loan information. He stated I owed {$81.00}, XXXX and if I stayed with XXXX I would end up paying {$160.00}, XXXX but if I went with his company he could get my loans reduced by {$69000.00} and only have to repay {$11000.00}. He stated I needed to authorize my automatic monthly debits and his company would get my loans forgiven. I was to make 5 payments of {$230.00} and the remaining payments of {$86.00} for 120 months and my loans would be paid in full. From XX/XX/XXXX to XX/XX/XXXX I made my required 5 payments and then I began to see monthly payments of {$40.00}. I thought nothing of it because I was making my payments. In XX/XX/XXXX I received an alert from XXXX XXXX that my loan balance was going up rather than down. I called XXXX and was told no payments had been made and that I had no payments due because this company had told the US Department of Education that I had no taxable income during XXXX. I was astonished and afraid all at the same time as this company had lied to the federal government and I could suffer the repercussions due to their negligence in providing false information. XXXX advised me to contact CFPB to file a complaint and seek financial resolution for the 12 months + payments I have made that never went anywhere towards my actual loans. To contact www.studentloans.gov to get my password reset. To contact my financial institution to stop the payments. So I contacted CFPB and was told to complete these preliminary steps to get the complaint filed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX As required by XXXXXXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer complaint narrative I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit and a police report asking that they remove the XXXX XXXX is the results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter. As to the damage done by having in my credit report this fraudulent item, I been rejected 10 times for new credit.
Product: Debt collection

Debt was paid in full. Company updated report and then added the amount back which caused my credit report to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

One night around XXXX XXXX  as I was working with my computer, suddenly the screen turned dark, and there was an 800-toll-free #  appeared on the screen saying my computer has been infected by viruses that I should contact them. I asked myself why and how did they know that? In the middle of the night all stores were closed. So I called the 1-800-toll-free #. The individual who answered the phone told me that the only way he could help me was to sign a 2-year contract with them. I replied why 2 years. The person kept insisting so I ended up signing a contract with this company named " XXXX   XXXX XXXX '' whose number was or is XXXX. 
Everything was going well until on XX/XX/2019 in the evening I received a phone call from XXXX XXXX assisted by XXXX XXXX and two other individuals whose last names I did not have a chance to get. But their first names are XXXX, and XXXX. 
XXXX XXXX told me as well as his assistant hackers that the company has changed name. It is now called " XXXX XXXX XXXX ''. They were currently working for XXXX XXXX and they needed to work on XXXX XXXX  on my computer. Plus they told me since the old company was no longer in existence they owed me some money since the contract has not expired yet. I told them to send me a check. They told me it was easier to do it online. So they made me filled out a form online where I inserted my bank name Suntrust while they said they were working on XXXX XXXX   on my computer. As they pretended working, they deposited within 4-5 consecutive days enormous faked amounts of money. In the next day they called me and asked me how much money I had in the bank before they had started working on my computer. I bluntly told them {$1600.00} both checking and savings combined. And that was what I had. With my {$1600.00} plus the large sum of money they put there I told them I don't understand what they were doing. I was scared of keeping people 's money in from which I had no authorization. The hackers told me to go to XXXX store buy {$1500.00} gift cards and {$1400.00} at XXXX Store. I told them that I didn't want any trouble I went and bought those gift cards and sent the numbers online to them. I was hoping they would at least leave me with my {$1600.00} the next thing I know they wiped out both accounts with their faked checks and run away. They even used a faked United States Treasury check to carry their criminal activities. Plus they overdrew {$1400.00} which the Suntrust bank asked me to pay back.