23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is an addition to complaint # XXXX. The complaint has not been resolved and another demand for payment has been sent with additional charges. 

The original complaint : FTC complaint against Bank of America - submitted on XX/XX/XXXX In XXXX of XXXX XXXX  cut my sales position with the company and asked I return the company charge card to XXXX XXXX. The card was sent to XXXX XXXX per her request. 
In XX/XX/XXXX I received notice from Bank of America for an amount due of {$80.00}. I contacted Bank of America explaining the card was sent to XXXX XXXX at XXXX in XXXX of XXXX and I could not have used the card. Since then Bank of America has contacted me to pay this amount and late charges. I replied back to them explaining what was said after the first notice. 
Yesterday I received a notice dated XX/XX/XXXX from Bank of America attempting to collect a debt.. 
Bank of America continues to pursue me for a charge on a company charge card that was surrendered over a year ago, rather than pursue the company that has the card. 
I request that the bank provide me with a zero balance due and remove me from any negative credit reporting.
Product: Credit reporting or other personal consumer reports

RE : NOTICE OF VIOLATION UNDER 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FOR UNAUTHORIZED REPORTING To Whom It May Concern, Upon reviewing my recent credit report, I have discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) by your agency. Specifically, these violations pertain to the unauthorized furnishing of reports in connection with credit or insurance transactions that were not initiated by me, as outlined under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). This section of the FCRA mandates that a consumer reporting agency may only furnish a report in connection with credit or insurance transactions that were not initiated by the consumer if the consumer has authorized the agency to do so or if the transaction involves a firm offer of credit or insurance. Moreover, the FCRA stipulates that inquiries regarding credit or insurance transactions that are not initiated by the consumer must not be disclosed to any party, except under specific conditions outlined in Section 1681g ( a ) ( 5 ). I am demanding the immediate removal of the disputed items from my credit report as required under 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). The items in question are listed below : XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

CROWN ASSET MAN AGEMENT LLC Not on all 3credit report and never received anything prior to them filling judgement against me XXXX - CROWN ASSET MAN AGEMENT LLC V XXXX XXXX ( E-CASE ) Displaying case headerNavigate to party detailsNavigate to docket entry detailsNavigate to charge detailsNavigate to service information detailsNavigate to filings due detailsNavigate to event detailsNavigate to judgement detailsNavigate to garnishment details Page seperating line This information is provided as a service and is not considered an official court record. 
Judge/Commissioner Assigned : XXXX, XXXX XXXX Date Filed : XX/XX/2020 Location : XXXX XXXX Case Type : AC Breach of Contract Disposition : Not Disposed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and CAPITAL ONE with no successful resolution. There was definitely an error on their part.
Product: Money transfer, virtual currency, or money service

I case a with XXXX XXXX case # XXXX and one with XXXX  XXXX  XXXX XXXX, Im making a complaint about cash app. This is were all mr deposit when to. From XXXX  the amount with cash app is XXXX. This is what cash app owes me, because they wont deal with the banks. XXXX  has reversed money out of cash app then put it bank into cash app and that violated my account. So cash app wont deal with me anymore. But they have my money. No one has taken it out except for the fraud. The banks told me they owe me my money. XXXX XXXX never did anything to help me. As for as XXXX XXXX  cash app owes me XXXX and thats not in including bitcoin that fruaders have sent so if my money. I dont have a bitcoin account as for as I know. I dont know how to use it. So the claim would be on cash app. They want help so they stealing my money. I tried many of time tell them I didnt put my money in cash app or take it out. That the fraud people had all my information. They messed up my life. Im on XXXX and they took everything. I need to get my money back from them. Please help
Product: Mortgage

On XX/XX/XXXX I applied for help with XXXX doing business as Cross Country Mortgage. I filled out the Loss Mitigation Forms and Mortgage Assistance forms and I uploaded all the information that was required on their website. We called to speak to our customer representative named XXXX XXXX and left a message on XXXX and never received a call back. We started receiving loss mitigation packages in the mail from the company at least 2 packs a week and we would fill them out and send them the required information. We never gotten a response from anyone other than the loss mitigation package in the mail with no other correspondence. We called the company again and got no return phone call. All I wanted was to get help because of the financial crisis I was in but I got no response from any one. I got the runaround and no help, so I gave up. I reapplied again on XX/XX/XXXX and filled out the same forms and sent them all the information they requested and on XX/XX/XXXX we received another loss mitigation package but no response about the previous applications and information that was sent to them. I am begging for help but I am not getting no response, I dont want to lose my home, but I dont know what else to do.
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 Bank : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  Bank XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 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 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

These two items Barclays and XXXX XXXX is on my credit report but I have never opened up an account with Them I tried explaining that to them on several occasions but yet and still they have not produced any evidence that this is my account. Beside yelling at me over the phone by their associates. I would like this removed off my credit reports as this is not my accounts. 

Thanks. 

Ms. XXXX XXXX
Product: Credit card

Subject : Formal Demand for Removal of Inaccurate Credit Reporting and Compensation for Violations of Consumer Protection Laws Dear Sir/Madam, I am writing to formally demand the immediate removal of a derogatory trade account reported by American Express on my credit report. This demand is based on American Express 's failure to provide adequate debt validation in accordance with consumer protection laws and the application of the merger doctrine, which extinguishes the debt obligation under specific circumstances. 

Failure to Provide Adequate Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request and receive validation of any alleged debt. Despite my formal request for validation, American Express has failed to provide sufficient evidence to substantiate the debt in question. This failure constitutes a violation of federal law and has resulted in the continued reporting of inaccurate and derogatory information on my credit report. 

Application of the Merger Doctrine The merger doctrine, as recognized in property and contract law, holds that when a greater and lesser estate coincide and meet in one person, the lesser is immediately annihilated, or, in legal terms, merged. In the context of debt obligations, when the rights of creditor and debtor merge, the debt is extinguished. Given that American Express has not provided adequate validation and considering the potential application of the merger doctrine, the continued reporting of this debt is improper. 

CFPB Enforcement Actions Against American Express It is noteworthy that the Consumer Financial Protection Bureau ( CFPB ) has previously taken enforcement actions against American Express for violations of consumer protection laws. In XXXX, the CFPB, along with other federal agencies, found that American Express had violated various consumer protection laws at every stage of the consumer experience, from marketing to enrollment to payment to debt collection. As a result, American Express was ordered to refund approximately {$85.00} XXXX to consumers. 

Pattern of Similar Violations by American Express It is noteworthy that American Express has a documented history of engaging in practices that violate consumer protection laws. For instance : XXXX Enforcement Action : The Consumer Financial Protection Bureau ( CFPB ) ordered American Express to refund {$85.00} XXXX to approximately XXXX consumers for illegal credit card practices, including deceptive marketing and unfair billing tactics. Source : CFPB Orders American Express to Pay {$85.00} XXXX Refund to Consumers Harmed by Illegal Credit Card Practices XXXX Enforcement Action : The CFPB mandated that American Express pay an additional {$59.00} XXXX to over XXXX consumers for similar illegal practices. Source : CFPB Orders American Express to Pay {$59.00} XXXX for Illegal Credit Card Practices These actions demonstrate a troubling pattern of non-compliance with consumer protection laws by American Express.
Product: Credit reporting or other personal consumer reports

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

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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 when the report relates.

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. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Equifax Credit Report immediately. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEBT RECOVE In addition, DELETEall non-account holding inquiries over 30 days old.

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. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXXXXXX XXXX LA XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX commerce bank I received a {$24000.00} check for hail damage to my roof and as soon as I presented check to them they said I was late on flood insurance {$3700.00} this is not right I've probably visited bank 7 times asking for details and nothing is happening my number is XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a call from chase customer support with someone pretending to be a chase employee. They tricked me into sending at total of {$15000.00} via wire transfer to three different people. I told the bank what exactly happened and I called everyday to check the status of my claim. I also filed a police report and told my bank to wait until have the police report to help them with my claim. I will be pressing charges on the three individuals who scammed me. Chase told me on XX/XX/XXXX when I called the claims department that they denied my claim and I cant get my money back, however I did not receive a paper or any supporting documentation as to why my claim was denied or that I was formally denied and made an appointment for XX/XX/XXXX to visit a branch so they can give me documentation as to why my claim was denied. I am still currently waiting for the police report to be reviewed. All the attachments I uploaded are the people who scammed me.
Product: Mortgage

USAA has raised my fix VA loan payment approx $ 176  monthly in retaliation for exposing their taking of a double hazard payment from my escrow account. USAA refused to return the mandatory over payments they charged me to makeup the shortage caused by the double hazard payment of approx {$250.00} and then charged me an additional approx {$150.00}. in fees. 

The increase in the monthly payment corresponds with the amount referenced above originally misappropriated to cover the escrow shortage created by their taking a double hazard payment and additional fees. 

USAA then continually changes the point of contact requiring that the new POC have a " few days '' to review the matter. This wastes time, causes significant delays and unearned fees to be collected even when USAA knows the fees are not valid. I have been unsuccessful in getting the assigned rep to return calls and the servicing company XXXX to answer or return calls. Both companies avoid the matter and if they call provide half answers or no answers at all again requiring a " few days '' to " research '' the matter.
Product: Debt collection

This is on my credit report and is not me in the amount of {$240.00}.
Product: Checking or savings account

Closed 2012 - still reporting ... ... Delete acct. Acct in good standing
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$6.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} ; XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I had come to find out that i have a collection on my credit report that has been fully paid. The collection was by XXXX XXXX and should have never existed in the first place. The doctor who submitted the collection did so in error do to a malfunction in his accounting process. I have a signed statement from him attesting to this fact. I have disputed this with XXXX and they promised to remove the collection but did not. I then have disputed this with Equifax several times and and they will not remove the collection. This collection has been reduced to zero but i have never paid the collection agency a dime!! 
Furthermore, every time i open up this dispute, Equifax updates the balance to zero and the collection to the latest month decreasing my credit score even more. Finally, XXXX have already agreed this was erroneous and have totally deleted the collection from my record. At this point i feel harassed by Equifax since they will not investigate properly or provide any transparency as to how they arrive at their decision or who they have called to verify information. I have also called them several times to discuss with to no avail. This agency is by far XXXX of the worst organizations I have had the displeasure to work with. My credit score went from a XXXX to a XXXX, this is ridiculous and should not be tolerated. I will attach the signed letter from the Doctor as evidence. I have also uploaded proof of deletion by XXXX. 

Also i have opened up yet another dispute and included the number in the above dispute number field provided.
Product: Credit reporting or other personal consumer reports

I paid off the balance and have a receipt showing I have satisfied their needs
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX has violating my rights under the 15 U.S. Code $ 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX XXXX -15USC 1681 section 602A states I have a right to privacy -15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report my credit card balance incorrect. The card is paid to a XXXX balance each month prior to their reporting. XXXX continues to report the card with almost a {$3000.00} balance. This has been an ongoing issue for over three years now. There have also been consumer financial protection bro complaints filed on the same issue and have never been resolved. There is a serious pattern of non compliance. I have requested a letter in writing from XXXX XXXX for federal credit union stating the account was paid to a XXXX  balance and was reported as a XXXX balance on XXXX. XXXX refuses to respond to my written correspondence and refuses to speak to me on the phone regarding this issue. Trans Union and XXXX have both tried to contact XXXX at the number provided on their reporting, however, the phone number provided is disconnected.