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

THIS IS XXXX! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! I also let them know I am using this complaint, and everyone they reply back to with that stall tactic response, as response, as evidence in my lawsuit against them. 

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in reporting factual data on my report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure all information reported is completely accurate and correct. After reviewing my credit reports I have found that the accounts below are being inaccurately reported. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

List items here I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Also be advised that failing to comply within 30 days as spelled out by federal Fair Credit Reporting Act ( FCRA ) will result in me filing a complaint with Consumer Financial Protection Bureau ( CFPB ) and/or further legal action.
Product: Credit card or prepaid card

Re : XXXX I have obtained additional evidence supporting my complaint, and I'm told I can not re-open the original complaint but can file a new one. 
I have two Capital One credit cards, at issue is my CapOne Quicksilver card. I have used this card with XXXX to purchase goods and services, also make a charitable donation as follows : XX/XX/XXXX {$240.00} services XX/XX/XXXX {$160.00} services XX/XX/XXXX {$50.00} refund for a computer purchase sent to client XX/XX/XXXX {$100.00} charitable donation to XXXX XXXX of XXXX, an organization that supports families of fallen police officers. CapOne NEVER disclosed that XXXX transactions were considered cash advance, and in addition to the 29+ % interest they charge on my balance, CapOne XXXX charges more than 29 % interest on the cash advances. I contacted CapOne by phone on XX/XX/XXXX. This is when I first learned that XXXX was considered a cash advance ( even though it's not ) and was told that cash advances can not be paid off separately. Furthermore, I was told CapOne will continue to charge 29 % on the card balance plus anadditional +29 % on the cash advances until the ENTIRE CARD Balance is paid off. By virtue of their failure to disclose this predatory lending scam, their failure to disclose XXXX was considered a cash advance, their failure to disclose that the actual interest rate is MUCH HIGHER than the already crazy 29 % CapOne is knowingly taking advantage of their customers many of whom are not able to pay off these gigantic balances that mysteriously grow every month even though customers are religiously making payments to knock down the balance. 
CapOne 's response contained multiple false statements. I had been a customer for many years, and NEVER was it disclosed to me that XXXX transactions were considered cash advances prior to my phone call with Cap1 on XX/XX/XXXX. Additionally, the Cap1 XXXX app CLEARLY indicates XXXX was not a cash advance but a purchase. In no case did I ever receive cash from ANY of my XXXX transactions, therefore how could it be a cash advance? Not a cash advance. Had I known XXXX was deceptively labelled as something it wasn't, I would never have used it and avoided debtors prison. No matter how much I send to Cap1 in payments, my balance continues to grow well beyond usage. What other hidden fees are they assessing? I have attached statements that do not indicate XXXX is considered a cash advance, and one screenshot from the XXXX app showing XXXX is a purchase. The XXXX app doesn't allow access to statements or older transactions.
Product: Mortgage

Bank of America is violating the Fair Housing Act by not allowing me to use VA XXXX and social security XXXX income to qualify for a loan modification. A couple of months ago I cleared the previous denial reason of " unverifiable income '' by providing a copy of a tax return showing what income I have. I then was forced to reapply and was recently denied on XX/XX/19 for the same reason of " unverifiable income '' ( my only income is military XXXX and social security ) and how hard is that to verify? I submitted the award letter and 2 months bank statements showing the deposits and that is all there is to prove since it is non taxable there are no tax returns. But yet Bank of America is refusing to recognize this as income and are trying to foreclose on my home. I opened an official appeal on XX/XX/19 which they will need 30 days to review.
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 16811 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They must be blind because everything is inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the XXXX XXXX and Experian regarding this and they still haven't remove these accounts from my profile. Also, there are a handful of credit inquires on my credit that i did not authorized. This is affecting me from getting my house for me and my kids. I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license
Product: Credit reporting or other personal consumer reports

Hello, I had a loan with XXXX XXXX XXXX that was sold to a company called XXXX. I've been using autopay and have made at least XXXX installments to them as I did with XXXX XXXX. I noticed today that my old XXXX XXXX loan was still on my line of credit and this XXXX loan is not there. There's no reflection on my credit report that I've been making payments and now I'm wondering if this company is even allowed to demand money from me? I would like to pay everything off but I feel like are not reputable and do not want to send my money somewhere wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER THE FCRA UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME WITH A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. 

Requested proof months ago, still have not received verifiable proof. Please remove these accounts are negatively damaging my credit. 

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 

attaching identity theft report
Product: Checking or savings account

I received a Wells Fargo Everyday Checking balance sheet, dated XX/XX/2022 I immediately contacted the company via phone number and asked for the fraud department. I told the CSR that I never opened a checking or savings account with Wells Fargo. Apparently, someone wanted to send a bill payment of {$1400.00} to an address in XXXX 
They assured me they would close the accounts and mail me any funds in the account. 
I received another letter dated XX/XX/2022, that after reviewing my account they chose to close it. I asked what happened to the {$1400.00} in a savings account that ended in XXXX? I was transferred to the fraud investigation department and spoke to a CSR named XXXX, who told me that this checking and savings account was set up online using my info, but the {$1400.00} which came from the IRS, so I assumed it was a Federal stimulus check, He confirmed that it was. I asked him where funds were sent, and after further consultation with his superior, he told me, yes, it was a stimulus check, but it had a different name on the direct deposit and was mistakenly deposited in my account. He advised me that funds were sent back to the IRS. When I asked for more info since I had already received my stimulus to my correct bank and I didn't want to be fined by the government. He then advised me that he didn't have anymore info regarding this account. Checking # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to have Experian look into some credit reporting issues. It has been well over the time they said they needed to investigate, and I have still not heard from them. I have about 4 - 5 accounts that Experian has not been posting to my credit report, therefore I look like a ghost to companies trying to run my credit. I would like this issue resolved ASAP.
Product: Debt collection

Another payday loan scam threatening legal action. A company called  2  or 3 months ago stating I owed a supposed debt from 4 years ago. I knew I did not, scoured bank records to prove it, and proved the debt never existed. The company that called today said it was a debt from the same day, but a company with a completely different name. I stated my stance, that its already been researched and proven nonexistent. I asked for company information to pursue formal complaints, "  XXXX   XXXX  '' refused to give me any information, threatened me and hung up. I filed multiple complaints with the  XXXX  and state attorney generals and this company called again. I warned them that I had already filed complaints against this false debt and to remove my number from their system.
Product: Payday loan, title loan, or personal loan

I took a title pawn out with this company 5 years ago and I'm still paying. The loan payments became higher than my mortgage payments. I asked would it be possible to lower the payments or let me pay it off for 50 % of the balance and the store manager refused.
Product: Credit reporting or other personal consumer reports

The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all ACH transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX ) who has in turn allowed other entities to also access their report without my consent. 

XXXX XXXX XXXX  ( I have NEVER had an account with this institution ) : disclosed/reported XXXX ACH transactions on XXXX XXXX report. 

This is a violation of my privacy rights under The Privacy Act of 1974 which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681. 

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing. 

408.680 Financial institutions may not disclose, exception : 408.675 as outlined above. 

408.682 Customer authorization required. 

408.689 Transfer of records to additional agency allowed when 14-day notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any 3rd parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX ) whom I trusted. I also have an account with another Credit Union that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : My son, XXXX XXXX XXXX, invested {$150.00} in XXXX through a company called Coinbase. He had told me about this approximately two years ago. However, I never much thought about it. My son died XX/XX/XXXX, of XXXX and his fraternity brothers reminded of this investment. They found the app on his phone and since I had closed both his checking and savings accounts, they attached my checking account to the Coinbase account. When they tried to transfer the funds into my account, it didn't work. 

I contacted Coinbase by email and they responded on XX/XX/XXXX and told me the docs I'd need to upload and I uploaded everything successfully on XX/XX/XXXX. then I waited to hear from them and after four weeks I tried to contact them. Now, I thought it was strange that they didn't have a direct phone line, so on XX/XX/XXXX, I emailed them, only to discover that they had XXXX their direct email. I also emailed their customer support and got no response. I uploaded the docs again on XX/XX/XXXX, to https : XXXX. I told them I wanted my son 's money transferred by wire or they could issue a bank draft. No response. They have an address in XXXX XXXX, but I didn't write there as I thought it would be useless because they're not responding to me anymore. 

I contacted the XXXX. and XXXX XXXX XXXX suggested I contact your agency also. My son 's account appears to be open, eventhough it seems to fluctuate quite rapidly. I don't know what to think since I can get no response from Coinbase, but I'm very suspicious of this company. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 USC Code 1681eb. 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 ( MONTHS REPORTING LATE ) 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have   XXXX   inquires on my credit report that I have not given consent to.
1. On  XX/XX/XXXX    XXXX   XXXX   XXXX     XXXX   XXXX  , Fl.   XXXX   2. On  XX/XX/XXXX and  XX/XX/XXXX  Creditor contact details  XXXX    XXXX   XXXX  , Ca.   XXXX   3. On XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  4. On  XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  5. On  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , Ca  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit file that does not belong to me. I need your assist in getting these items removed. The following items is reporting on my credit report as a result of fraud : XXXX XXXX - reporting on my XXXX report XXXX - XXXX - reporting on my Transunion report Unauthorized Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX DE XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection agency XXXX XXXX XXXX reported a fraudulent debt to the credit bureaus saying I was 120 days past due on a debt I knew Nothing about until my bank told me my credit score had declined by XXXX points. I called XXXX  - spoke to XXXX XXXX today XX/XX/XXXX, at XXXX who wanted the account number that I never had and then said to investigate me I had to prove it wasn't mine. Then she said the original debt was from XXXX, and could I prove I didn't live in XXXX then. I have never lived in XXXX, I have been at my XXXX address since XXXX. I have had second houses in XXXX and XXXX, never XXXX. Then she said the investigation would take 60 days but they would never tell me what happened because I said reporting it to the credit bureaus without contacting me first lacked due process and was harassment. I have been the victim of identity theft, so all three credit reports are frozen
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, It is XX/XX/2022 and I am in possession of the investigation results from Transunion regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX At this time, I will like to inform you that, the letter which states that your agency has verified the account as accurate is unresponsive to my demand. 
Once again, I am demanding the following documents to VALIDATE this account. A signed lease agreement baring real my signature, and the tenant receipt of key ( s ) form also baring my signature and stating that, I XXXX XXXX acknowledge receipt of keys for this landlord 's premises located on XXXX XXXX XXXX XXXX XXXX, TX XXXX on the alleged move-in date. 
This is not a request for " verification '' but a request for VALIDATION. I am requesting your offices to provide me with competent evidence that I have any legal obligation to pay them. 

Please be advised, this is a notice sent pursuant to the Fair Debt Collection Practice Act, 15 USC 1692g. 

If your offices are able to provide the proper documentation as requested in the above description, I will require at last 30 days to reinvestigate this information, during which time all collection activity must cease and desist. Also during validation period, if any action is taken which could be detrimental to my credit report, I will consult my legal counsel for suit. This includes any listing of and information to a credit reporting repository that could be inaccurate or invalidated.
Product: Debt collection

I am a identity theft victim my name, social, email and phone has been somehow made available to fraudulent companies and some may be real I keep receiving repeated annoying calls at all hours even late night I explained to a few of them that I don't owe debt they are claiming and to please stop calling they call from multiple different numbers even send text messages impersonating other people may threats and leaving messages with fake names as a result my credit is ruined because someone keeps somehow getting loans I know nothing about and then the debt collector calls me I really need someone to help me
Product: Mortgage

I'm recently divorced and lost almost everything but this house. During Covid I took advantage of the deferred house payment that they offered me. In that time I was able to pay off the debt that I'd accumulated from the divorce and had moved my credit from XXXX up to over 700. In XXXX they sent me a modification that arrived at my house on XX/XX/XXXX, and it had to be back by the XXXX. I was traveling for work and was gone that entire week. My ex-wife 's name was on the Deed and not the loan so I couldn't turn it around in such a short time. Meanwhile I made the XXXX payments that they asked during the " trial '' process. They then offered me a second modification in which I had to get a Quit Claim Deed signed by my ex-wife. I did everything on time, but they said that the QCD, wasn't registered in the courthouse. I proved to them through emails that it was and sent them the appropriate documentation. Each time I called them, I was told something different, " we've got everything '' the next time it was " we are missing the QCD ''. So onto round 3 of the modification, and my interest rate went from 2.875 % up to 4.5 %. As I was working through this, they chose to report to the credit agency that I've missed my payments. Which I've never done. They NEED to Fix my credit, so I can take my business elsewhere. At this point, nobody will touch me because my credit is in the low 600 's or high 500 's. They literally are destroying me and any opportunity to work with other banks. I've got pages of documentation and they record each and every call that I've made, and nobody will listen. I try to call my " Relationship XXXX '' and unless I have a scheduled appointment she can't talk to me. I try to schedule an appointment and it's 2-3 weeks out and at that point, I will miss the deadline on the 3rd loan modification. Please HELP! I'm going to lose everything.