23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX 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 XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. 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 XXXX XXXX. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the accounts in the letters attached to this complaint be deleted immediately, along with all hard inquiries, and adjustments to late payments be made in accordance with the instructions in the letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 resolutions process was unfair and deceptive, as the did not comply with error resolutions requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. 
These Actions have caused significant inconvenience and Financial loss, and i seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have been banking with Bank of America for five years and had three credit cards with them : -Spirit Airlines World Mastercard ( opened XX/XX/XXXX ) -XXXX XXXX Visa ( opened XX/XX/XXXX ) -BofA Travel Rewards ( opened XX/XX/XXXX ) I had my wife on my Travel Rewards card account as authorized user for months without problem, and I added two of my friends as authorized users to help them build credit, the rrquest went through in thr system. On XX/XX/XXXX, and Bank of America closed all my accounts on XX/XX/XXXX without prior notice. 

I called in and the representative transferred me to fraud department, offered to request to reopen all three accounts after a hard pull on my credit report. I agreed and they proceed, and they came back with a denial, citing " we are not comfortable with the authorized user activities at this point ''. 

A few weeks later I received 3 seperate letters from BofA notifying the closure of my accounts, citing " irregular authorized user activities ''. I called in, visited local BofA branches and spoke to various BofA employees including a branch manager, asking if BofA stil wants my business, they all told me that " You're welcome to apply for new credit cards in the future ''. 

Nowhere in BofA 's credit card user agreement says I am not allowed to add 2 authorized users on the same day. I met the minimum spends for both XXXX XXXX card and Spirit Airline card before the closures, but BofA never awarded me XXXX XXXX bonus points and XXXX Spirit bonus points because of this. 

I applied for new BofA credit cards on their website in XXXX, and the declined decision came back with " An account with us has been revoked '', contradicting to what numerous BofA employees told me before. I called in again and BofA underwriting department could not tell me why this was the problem and when I can apply for their cards again.
Product: Consumer Loan

Here 's my story, I went to chase to take out a Loan in 2008 to by my wife a car. I contacted the loan officer for about XXXX days, They continued to put me off. After several attempts to secure the Loan, I decided that since they did n't want to help me with the loan I went back into my local branch and told the loan officer that I no longer wanted the loan, and paid cash that I had in my saving account. I was told that because they went through the process that I would have to pay them XXXX dollars. I could n't believe what I was hearing. So I thought that the matter was over. I checked my credit report and found that they charged me XXXX dollars and this is still on my report, I 've written to each agency and they would not remove this from my report. That my story.
Product: Vehicle loan or lease

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX  ACCOUNT # XXXX 30 days late in XX/XX/2022.
Product: Debt collection

I pulled my credit report at the beginning of the new year XX/XX/XXXX. I was not aware of this new company, Merchants Credit Guide now collecting on a debt for XXXX XXXX XXXX XXXX. I never received any type of written or telecommunications from the company. I disputed the information shown on my credit report back in XX/XX/XXXX. The company Merchants Credit Guide failed to send any type of verification of the debt. I called the company today, XX/XX/XXXX, to figure out what I could do to get this false information off my credit. The manager, XXXX XXXX, raised his voice saying I needed to find my original contract because there are laws on contracts and then hung up on me. I felt very threatened and disrespected. I have no idea who this company is, but they are aware of my dispute, but they never felt the need to contact me.
Product: Student loan

Mohela have not updated my account based on what I payed and are refusing to contact me about that and say I still owe them for the passed due amount that I already payed them for
Product: Debt collection

I have received bills from three different financial services requesting debt from medical services dated XX/XX/18 with different amounts every time. 

I just received a bill of XXXX from Phoenix Financial Services XXXX I received multiple bills from third party collection agencies previous to this bill from other financial service companies. 

However, I did not receive any bill from any medical institution or bill collector with this amount within the 11 month window required by Texas Law. 

According to Texas Civil Practice Law : " Except as provided by Subsection ( b ) or ( c ), a health care service provider shall bill a patient or other responsible person for services provided to the patient not later than the first day of the XXXX month after the date the services are provided. '' Therefore, this collection practice from Phoenix and the previous debt collectors is illegal according to Texas Law from my eyes.

I have communicated this to two previous holders of this illegal debt and they communicated over the phone that I would not be followed up with and my debt was satisfied, however this case got passed on again to Phoenix Financial. 

I have reached out to attorney to advise me, but believe this is wrongful and illegal debt collection and should not effect my credit or my funds as it currently stands.
Product: Debt collection

I have disputed these accounts and I have not received any evidence of any transfers from the entity recorded as lender on the Notes of which Ditech has been trying to collect on, instead the have sent me as validation copies of unendorsed Notes as validation. I have received a copy of an affidavit stating that Ditech has purchased one of the Notes and yet this was not recorded into the county records. Ditech has reported false and misleading information to the XXXX CRA 's including but not limited to double reporting the debt under 2 account # 's for each Note one current and one late for the same amount. XXXX has denied them the right to report due to not being able to produce proper documentation on one of the accounts.The CRA 's have reported different information on my reports monthly and have refused to send me a copy of my files submitted to them to validate any debt. XXXX stopped reporting for six months due to lack of proof but now has determined to start reporting again although they show no information as to the payment history. I have retained an attorney to handle these problems and repeatedly stated that Ditech contact him in these matters but to date they have not attempted contact him but instead have continued collections.
Product: Vehicle loan or lease

XXXX XXXX repossessed vehicle while me a XXXX is on XXXX XXXX they are reporting this vehicle as closed They repossessed the vehicle and resold the vehicle without a court order due to me being on XXXX XXXX order This is against the law The are lying reporting this as closed when its repossessed they took and sold the vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX/XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

I returned a XXXX  to music and arts store in XXXX, LA in XX/XX/XXXX. In XX/XX/XXXX, a collection hit my report saying that I owed the full cost of the XXXX XXXX  even though I have the receipt saying I returned the merchandise and the worker told me I didnt have a balance. I have called the store, the collection agency, and tried to dispute online. No information could be given as to why this happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like ( CREDITREPOTING AGENCY NAME HERE ) to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX  they have caused me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I identified fraud on my credit reports with XXXX. XXXX & Equifax. I reported it to my local police department, filed a report & received documentation stating the accounts were fraudulent. I also reported identity theft at identitytheft.gov & within a month XXXX & XXXX removed the accounts from my credit report but Equifax did not. I proceeded to submit multiple re-investigations with Equifax explaining to them that they were breaking United States Federal Law under the Fair Credit Reporting Act & the Fair Debt Collections Practices act but even after filing a re-investigation for the 8th time they denied my dispute. I asked the employee 's acting on the behalf of Equifax to identify themselves with their first & last name as well as their employee number yet they continually refused. I believe this activity to be illegal & would appreciate a quick & fair response to their refusal to do what is necessary under Federal Law.
Product: Credit card or prepaid card

During travel to XXXX approximately XXXX in support of XXXX XXXX XXXX I noticed fraudulent charges on my card, which is a Visa through USAA. I contacted the fraud department ( very difficult in these circumstances, and XXXX XXXX XXXX XXXX ). They refused to connect me to the fraud dept because they could not verify me, due to wifi calling in lieu of cellular. I had to have my bosss wife call them, and then switch to me after they verified her. 

After reaching the fraud dept, I was transferred to the the credit card dept, where I was met by a person with XXXX  XXXX. I hung up, because I suspected a hack. The fraud representative never shut off my card, which continued to hemorrhage charges. I called the fraud dept again after realizing they hadnt even frozen my card, and was promptly forwarded to the wrong department. I then had to wait on hold, again ( have I mentioned that their calling tree makes it painful to reach a human? ), until I reached another rep. Who threatened to hang up on me because I was angry. I went through the charges with her and she said she filed a report. She insisted on sending me a new card and not freezing my account. Then the call dropped, because XXXX. Instead of contacting me back, they contacted MY EX WIFE. 

Tonight, I received an email saying that my credit score has dropped because my card is past its limit. They still havent removed the charges. So I was forced to compromise my identity again to call them over questionable WIFI. And this representative told me that her record shows that I didnt finish going through the charges with the previous rep. Despite the fact that I spent over an hour on the phone with the previous representative. We went through the charges again, and she assured me that it was complete. 

The charges are still present on my account. I have no confidence in USAAs fraud procedures anymore, and this has been a brewing problem for a couple of years, despite the fines they have received. I just got a new card a month or two ago because it was compromised. This card is my oldest credit account, so I cant simply close it, although it seems they wouldnt close it if I asked, since they refuse to freeze it. 

USAA needs regulatory discipline to step in to fix whatever is wrong with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been sending me numerous of email for a account that I had with my ex wife.. she had me apply for a loan and promise to pay it after the divorce this debt belongs to my ex wife and should not be on my credit report.. I tried explaining but they keep selling the balance to a debt collection
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with CREDITACPT XXXX Balance Owed : {$12000.00}. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Theres a XXXX XXXX  account on my credit report that has been open fraudulently. I am a victim of identity theft. And this negative account is preventing me from purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Dear customer service, I received an email from XXXX XXXX that my XXXX XXXX  sent a 30 days late payment to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX 's department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is XXXX XXXX. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to XXXX XXXX  and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to God I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that XXXX XXXX will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.
Product: Mortgage

i am a ocwen customer, but i never reeived any information about the lawsuit on the mortgage company place insurance, i believe but am not sure that i filed a claim in the XXXX suit, but have received no response. I am being threaten with forclosure, i filed a loan modification and it was denied, what can i do?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XXXX XXXX  and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXXT XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. Im requesting a XXXX ( cancellation of Debt ) from the following charged XXXX  account listed below. Comenity Bank account number XXXX After checking my most current report the updated information states the account was purchased by XXXX XXXX XXXX, XXXX this account can not be reported as a charge XXXX  on my credit report if the account was sold to another lender. Please send the XXXX form
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App XXXX 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 proces 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.