23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I tried to verify the debt with this company all letters were returned unopened and they only verified with credit agency with false information. I took the landlord to court received a judgement and won my security deposit back. I notified the collection agency and faxed court documents they refused to remove the item. It has cost me not to get credit or places to live. The old landlord said they have no control over the collection agency. The information is incorrect and they are reporting me over 30days behind.
Product: Credit reporting or other personal consumer reports

Affirm is a buy now, pay later like all the others. I used them, and they started reporting on my experience report. I never agreed to this, nor have they supplied me with information stating this. I would have never done business with them if they had let me know this. This is a violation. I want them to stop immediately reporting to the Experience credit bureau.
Product: Debt collection

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation o f 15 U.S.C. 1681 . You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.      XXXX   XXXX   XXXX ,  XXXX  Edition,   XXXX  , defines  Verify as, 1 ) " To  prove to be true ; to confirm or establish the truth or truthfulness of ; to authentica te. '' 2 ) To co nfirm or substantiate by oath or affidavit ; to swear to the truth of.  '' and Verification as, Con firmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your  files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section  XXXX  (  XXXX  ) ( 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 for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law.  I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be deleted immediately.      XXXX   XXXX    XXXX   XXXX   of  XXXX   XXXX  # :  XXXX  Account # :  XXXX  Balance :  XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain hard inquires on my credit report that I did not authorize. Upon reviewing my report, I have noticed that there have been inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX ) XXXX XXXXXXXX XXXX on XX/XX/2023, XXXX ) Ally Financial on XX/XX/2023 and XXXX XXXX XXXX on XX/XX/2023. NOTE : There was no space for me to include the address and last four digits of my social security number that this may be sent to XXXX XXXX XXXXXXXX. The address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX. Last four digits of social security # XXXX. 

I want to clarify that I did not give permission for my credit to be run by these entities, and I am concerned that these inquiries have negatively impacted my credit score. I request your assisatnce in investigating this matter and ensuring that these unauthorized inquiries are removed from my credit report. 

Please let me know what steps I should take next to resolve this issue, and if there are any forms or additional documentation I should provide. 

Thank you for your time and assitance in this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. 
There is a serious issue of possible fraud, I am not associated with these following addresses please delete. XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Payday loan

First I just looked into getting a payday loan I never intended to receive any money at the time I wanted the funds just for reserve. I called Cash Net USA to pay off the balance I was told it was XXXX $ that was after paying XXXX that same day. I called to make the final payment of XXXX to it all of a sudden changed to XXXX. I was on the phone with the company for over an hour to get the loan resolved I was put on hold just for the lady to return saying that the payment could n't be processed that it needed a managers approval. Five minutes later she said everything was ok to paid then the total went up to XXXX in a matter of five minutes. I was told that it went through.. I logged onto my bank account to see that both charges processed through my back XXXX in the amount of XXXX and another XXXX in the amount of XXXX. I immediately called them back and they had no record of big transactions now I am fighting to get my money back he statement that I submitted via email which I was told to do was n't good enough.. these people steal people 's money!!
Product: Credit card or prepaid card

I had applied for a Total Rewards Visa Credit Card through Comenity Bank located in Ohio. I called and spoke to a representative over the weekend either Saturday, XX/XX/XXXXor Sunday, XX/XX/XXXX to find out more information about a balance transfer to another credit card. XXXX, the representative who I spoke with was not too knowledgeable about providing me the accurate information and, although I started with applying for the balance transfer I requested that he wouldnt put it through until I confirmed the mailing address for my credit card company. I thought he understood what I said and that he was not going to process the transfer. However, when I checked my Total Rewards Credit Card account over the weekend I found that my account was charged. I called and spoke to another representative, XXXX, who spoke very quickly and she said that she was going to send an e-mail that if the balance transfer did go through to ensure it was sent to the mailing address I provided for my credit card company. Apparently, if she would have read the notes she would have found that XXXX sent it over to the Balance Transfer Department to cancel the request.
This morning ( XX/XX/XXXX) I called and requested to speak to a supervisor and I got connected to a very rude woman, named XXXX, who was allegedly a resolution specialist. She said that they would not be able to provide any further information for at least ten ( 10 ) days as to what the status is of the balance transfer. This is ludicrous because it is my responsibility to pay my other credit card and right now I am in limbo as to what I should pay since I do not know if and when the balance transfer is going to be applied to my credit card.
I want to escalate this complaint to someone at Comenity that is knowledgeable and cares about their customers.
I would like to know what kind of people Comenity employs that are dealing with other peoples monies? I am the innocent customer who now has to deal with the mistakes they have made at Comenity, which is certainly unfair and unacceptable to say the least.
I also have filed a complaint with the BBB of Ohio and am still in limbo as to the status of the balance transfer which should have been cancelled but, to my knowledge, is still showing as a pending charge on my account.
Product: Debt collection

First off, I want to start with I know that I was behind on my payments and had all intentions of catching them up. On XX/XX/2023 at around XXXX XXXX  while at work I was on lunch, Mariner Finance tried to contact me. An associate answered the phone and XXXX XXXX ( manager at Mariner Finance of XXXX Nc ) proceeded to tell the associate that he had been trying to get ahold of me and was unsuccessful. He ( XXXX XXXX then asked for the associate to give me a message that I needed to contact him and if I didnt they were going to seek legal action. When I returned from lunch the associate gave me the message at which point I contacted XXXX and let him know that I did not appreciate him giving my personal information to a coworker. And of course, XXXX denied it. I feel as if this was completely uncalled for. I know I was running behind on my payments as I have done in the past and I never have refused to pay my debt. XXXX also mentioned that he had spoke to my spouse yesterday but our work shifts were completely opposite each other and I have still yet to see him to get the message. This was completely uncalled for and unprofessional of XXXX to put my business out to a coworker.
Product: Bank account or service

My bank, Citizens Bank, is trying to charge me an overdraft fee when I was not overdrawn at any time. When I contacted them, they said it was for a transaction from 5 days earlier, although my account shows that I was never in the negative. They tried to say that " maybe it was from a pending transaction '' although they could n't find it. They said they would research it and get back to me at a later time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX  XXXX XX/XX/XXXX $ {$4000.00} XXXX/XXXX  XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX  XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I believe Capital One Bank ( USA ) N.A. wrongfully denied my credit card increase request submitted on XX/XX/2021 due to me filing a credit report dispute on XX/XX/2021 against information reported by Capital One Bank ( USA ) N.A. with the major credit reporting bureaus including XXXX. 

XXXX. On XX/XX/2021, Capital One Bank ( USA ) N.A. provided a denial letter that stated they used a credit report from XXXX dated XX/XX/2021. 

XXXX. I believe Capital One Bank ( USA ) N.A. used an older and disputed credit report, which has since had information corrected, to wrongfully denial my credit card increase. 

XXXX. The factors stated within Capital One Bank ( USA ) N.A. denial letter are no longer accurate due to the XXXX investigation involving XX/XX/2021 credit report dispute as they should have known. Thus, my credit scores have significantly improved. 

XXXX I believe Capital One Bank ( USA ) N.A. did not obtain a current credit report to wrongfully deny my request for a credit card increase. 

XXXX. As a current customer, I also have a good payment history with Capital One Bank ( USA ) N.A. and other creditors. 

XXXX. My credit card increase was a moderate one due to my on-time payment history with Capital One Bank ( USA ) N.A .
Product: Credit reporting or other personal consumer reports

Transunion LLC Consumer Dispute Center XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request Removal of Forgiven Student Loan Accounts Under XXXX Discharge : XXXX XXXX SS # XXXX To whom it may concern, I am writing to formally dispute the continued reporting of my XXXX loan accounts that were fully discharged under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discharge program administered by the U.S. Department of Education. The presence of these accounts on my credit report is inaccurate and must be removed in compliance with federal laws and regulations. 
The loans in question were discharged as of XX/XX/XXXX and are no longer legally enforceable debts. Under federal regulations, specifically : 34 C.F.R. 682.402 ( c ) ( 4 ) ( i ) & 34 C.F.R. 685.213 Once a borrowers student loans are discharged due to XXXX XXXX XXXX XXXXXXXX, they are considered paid in full and should not be reported as outstanding or delinquent.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Data furnishers ( i.e., loan servicers ) are prohibited from reporting inaccurate or misleading information to credit reporting agencies. Reporting a discharged debt as active or derogatory violates this statute. 
FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Credit reporting agencies must promptly delete or correct any information found to be inaccurate, incomplete, or unverifiable following a dispute.

In accordance with these laws, I formally request that you immediately remove these student loan accounts from my credit file. I have attached the following supporting documents for verification : 1. Official Discharge Letter from the U.S. Department of Education or my loan servicer confirming the XXXX XXXX XXXX XXXX XXXX XXXX ) discharge. 
2. Credit Report Copy with the disputed accounts highlighted.

Please conduct an investigation and update my credit file accordingly. Upon resolution, I request written confirmation of the deletion. If you fail to remove these accounts, it will be considered a violation of federal law, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for enforcement action. 
I expect a written response within the 30-day period mandated by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

A full payment was made but I only wanted the regular monthly payment! I called and said I could not afford that! They refused to reverse the debit payment! So I called my bank and opened a dispute then they credited the money and only took the monthly payment out to them! Then I just received a letter I lost the dispute and it will be pulled back out on XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to let me file disputes online or access my credit report online. 
I have been paying for Experian credit report monthly for 2 years and still since XXXX of 2018 they have REFUSED to let me have access to my updated credit report online and they REFUSE to let me file disputes online.
Product: Credit reporting or other personal consumer reports

I demand these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to immediately be removed from my consumer report unless there is proof that I signed giving authorizations for these transactions/inquiries, if there is no such proof then this is IDENTITY THEFT and needs to be removed no later than 4 days according to 15 USC 1681c-2- Block of Information Resulting From Identity Theft, and I will be coming after TransUnion for continuously allowing this after several disputes on this same issue, because you are not protecting my consumer rights as everything allowed on the consumer report should be 100 % accurate according to the law! And I will be suing for {$1000.00} per violation per 15 USC 1681n-Civil Liability for Willful Noncompliance
Product: Debt collection

I received a letter XX/XX/XXXX about the owed debt in which prior had communicated during a phone call not to contact me about debt. I had repeated calls in which after the letter was received made contact with them to provide in an email the reason this debt is not owed under Kentucky state laws of unlivable infestation of bugs. I emailed this information on XX/XX/XXXX to the law office of Brett Borland as they requested. The office then advised on XX/XX/XXXX that I should had disputed this with the credit collections company before the debt was sent to their law firm. I had advised the credit collections company that I dispute this debt. On XX/XX/XXXX I set payment arrangements to pay this debt off in which they said they do not report to credit bureau until paid off in full.
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 process 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX bankruptcy in the United States District Court of Minnesota Bankruptcy Court and has notified XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX AZ XXXX XXXX and XXXX XXXX  XXXX/XXXX  XXXX, countless times in regards to a debt the above creditors is trying to collect from me. The debt was discharged in Chapter XXXX bankruptcy court. The above creditors are in violation of the bankruptcy court Automatic Stay which prohibits all collection activity, including legal action, garnishment and contact via phone and mail. All my debt was discharged in Chapter XXXX bankruptcy court in the United States District Court of Minnesota. I want Equifax and XXXX  to notify the above creditors and immediately delete the accounts from my credit report, as the accounts was discharged in Chapter XXXX bankruptcy court.
Product: Credit reporting or other personal consumer reports

Despite of the several failure to remove fraudulent items from my credit report, I am writing to express my ongoing frustration and concern regarding the. In regards of my previous XXXX attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ). However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX.