23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXXXXXX to close one of my credit cards with them. After an exceptionally long hold I was told the wrong card was closed and she had to escalate to reopen the card. She did not at ANY point tell me there was a credit inquiry to reopen the card SHE closed in ERROR. Approximately 5 minutes after the call ended I received an alert that there was a hard pull on all 3 credit bureaus. I checked and my score dropped an average of XXXX points across bureaus. I called back and was nonchalantly advised it would take 10-15 days to fix their mistake. This is unacceptable and I consider this an unauthorized credit pull that two representatives had the opportunity to tell me about and neither did. It is highly unethical and may impact my interest rates on buying a house or a car for the next 3-4 months. Something needs to be done about this unethical practice of pulling credit without notifying the costumer, because I would have told them to leave the card closed because I dont actually use either XXXX XXXX XXXX XXXX  on a regular basis and pay around XXXX annually. The rep was very well aware that I was contemplating closing that card too because I TOLD her. So, she had made a promo points offer to keep the card. Which makes it even more unethical not to provide me with a choice in the matter of pulling MY credit. Contacted XXXX XXXX XXXX case # XXXX and his supervisor XXXX. I dont know the XXXX female reps names who caused the issue.
Product: Credit card or prepaid card

XX/XX/19 I normally use a XXXX, XXXX or XXXX card and pay those each in full every month. At times I might make a large purchase then return all or a portion of that purchase after the statement date. When this happens, the amount due for that statement period is reduced. But not with the BOA card. Here 's what happened. 

My statement came out on XXXX. Shortly after the statement date, I returned a {$1500.00} purchase, resulting in a new outstanding balance that was {$1500.00} lower than my statement. My BOA card was set up to autopay the full amount due which I assumed was now {$2000.00}. However the payment was still set to {$3500.00}. I was going to manually edit the auto payment but to be safe, I called BOA the day before the payment was due to see if the {$3500.00} amount had to be paid in order to avoid interest. They said that interest would be charged if the {$3500.00} wasn't paid! Ridiculous. So now, after my payment is made, I have to call them and ask them to refund my credit balance. They get to use and earn interest on my {$1500.00} and I'm inconvenienced by having to call them yet again. This seems illegal to me, that they can use and earn interest on my money. No other card I have ever had does this.
Product: Mortgage

I have filed a number of complaints and documents with the Regional VA Home Loan Office in St Paul Minn regarding the unscrupulous manner which my prior lender made a claim on my Eligibility. 
I have sent documentation to this office regarding a XXXX XXXX in 2019 for a house that I had on the market and was making on time payments with the prior lender. 
This lender, XXXX, filed for bankruptcy and I was notified by Nation Star bank and its sub, Mr Cooper, that I should stop payments and they would purchase the house with a XXXX and issue a contract that all present and future claims will be satisfied. 
This they did and took title to the property in XXXX, XXXX however, they still filed a claim on my eligibility. 
I informed the Regional office and sent them copies of all the documents and they had their legal department review them. They came back and informed me that their legal department could not do anything even though they concurred that Mr Cooper misrepresented themselves and broke the contract. 

I am a XXXX XXXX XXXX XXXX, XXXX veteran entitled to the XXXX XXXX XXXX XXXX but I can not obtain a mortgage because I need a Down Payment with a non-VA loan. 

This is unfair and unjust. I can not find an accessible home and purchase it due to the VA not willing to re-instate my eligibility. 

I am certain that I am not the only veteran in this situation, and our Government must rectify this illogical policy. 

Thank you
Product: Vehicle loan or lease

1.Required by XXXX CFR XXXX ( B ) ( XXXX ) yet they have proceeded to place a collection account on my consumer report. The omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 
2. I have not been offered the opportunity to dispute the account in accordance with. 
XXXX CFR XXXX ( XXXX ) ( XXXX ) this denial of the dispute process to me of my rights to challenge and accuracy or discrepancy regarding the ledge debt. 
3.SPRINGOAKCAP has resorted to false, misleading and deceptive means in their collection efforts therefore violating my consumer rights, such unethical practices, undermine the integrity of debt collection process, and calls undo distress to consumers. 
4. For the more the agency lacks the authority to furnish my account to consumers reporting agencies without adhering to the necessary, disclosures, mandated by law by neglecting to their obligations under XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX ( XXXX ) ( A ). SPRINGOAKCAP is flagrantly disregarding consumer protection statues. I demand that the consumer financial protection bureau investigates these egregious violations that are placed on my consumer report no later than 30 days starting today XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights In accordance with the fair credit reporting act convergent account DEPT OF ED/ XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act this account, XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account within my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Product: Debt collection

On XX/XX/XXXX Received debt collection call and letter on XX/XX/XXXX about a bill I was unaware of from XX/XX/XXXX for caregiving services. I was told I would be sued and my credit effected if do not pay. I had no past knowledge of this debt or late notices from the business. The amount was for {$2100.00} and no chance to dispute this bill for over 4 years and I was forced to pay or be sued.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Debt collection

Solomon & Solomon XXXX XXXX XXXX XXXX NY XXXX Tel : XXXX Alleged balance owed : {$460.00} Original Creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not perform a fair and equitable investigation as required by the fair credit reporting act. 

As a customer, I have the right to privacy. Please provide copies of the disclosure documents that I signed with XXXX that permit them to furnish this information on my consumer report. 

In this absence of such documents, XXXX and Transunion are both violating my right to privacy. Delete these items from my consumer report.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy
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 violates the consumer finacial protecti9on act.specically, 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 and regulation e. these actions have caused inconvenience andfinancial lost and i seek appropriate redress for these violations.
Product: Vehicle loan or lease

State Farm Bank is reporting inaccurate information on my credit profile. They are reporting My XXXXXXXX XXXX XXXXXXXX as a repo. Which is totally incorrect. The car was never repoed. I received Car title in Hand. I am no longer in possession of the car as of XXXX, XXXX due to it be totalled in a Car accident. State farm did not have right on Car title because XXXX XXXX had the car title. So state Farm is report incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Flagship in XXXX of XXXX advising I had sent in a check for {$5000.00} to pay on my account as I was struggling due to cut hours due to Coronavirus. I had included detailed instructions on how to apply the check which was an insurance payment check for hail damage. Due to the restrictions imposed due to COVID i was not able to repair my car. A customer service representative said they received my check but would not be able to apply it to my account as the check was expired. I stated I would reach out to the insurance company for a replacement check. I reached out to the insurance company who stated that Flagship had cashed the check on XX/XX/XXXX. I reached back out to Flagship and they stated they did not see the check but would do more reseach and in the meantime requested a payment to make my account current. I made my full car payment of {$520.00} on XX/XX/XXXX. I continued to reach out to Flagship who then advised me that they had received the check but they did not know why it was not applied to my account. I explained the situation many times to different representatives and supervisors. They said they could not apply the check to my payment as they could only apply it to my principal. I told them that was not what i was told back in XXXX, but they still did not apply the check to my account. I XX/XX/XXXX on XX/XX/XXXX and was hospitalized for 15 days then bedridden for months after. I reached out to Flagship again in XXXX and stated that i had XX/XX/XXXXbut i would make my payment for XXXX and they would need to apply the insurance check to my payment in XXXX as i was out of work due to my injury. They still stated they did not know why my check was not applied to my account and would have a supervisor review. I made another payment on XX/XX/XXXX and advised that I could not make the XXXX payment as i was still not working and to apply the insurance check to the outstanding payment. THey finally applied the insurance check to my account on XX/XX/XXXX. This is FOUR MONTHS after they cashed it. They continued to charge me interest on that balance during that time. They continued to pretend they did not know why it had not been applied to my account. The previous response stated the money was in an escrow waiting to see if i would repair my car. That is an outrageous lie. They held my money while they charged me interest and late fees and continued to report my account as delinquent. I want the interest removed from my account for the 4 months that they held my check hostage. I want my account reported as current from XXXX to current. I paid another {$8000.00} on XX/XX/XXXX which they have also failed to report to the credit bureaus. I will be paying off this loan at the end of the month and reporting them to the XXXX  and the Attorney General for fraudulent business practices. They received a payment every month since XXXX and i expect them to correct the credit bureau delinquencies.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX, I sent money to my sister in XXXX ( {$500.00} ) dollars, for my Mom 's monthly expenses in XXXX, through the Remitly app. There is the option of an express delivery which is done so that you can withdraw the same day pay that rate. the money was deducted from my credit card, and has not been sent to my family in XXXX. On Monday, XX/XX/XXXX, I contacted Remitly and an agent named XXXX told me that the operations were delayed for the weekend and that at the end of the day it was done. 
That same day I communicated again with a service agent called XXXX who told me that the money was already in the bank in XXXX and that at the end of the day it was done. My sister contacted a person from the Bank in XXXX and told her that the money was there and that it would be made cash on Tuesday. 
On Tuesday it was not made effective, we contacted the Bank in XXXX again and this time they told us that the money was not there, it was for a system update, that it was a Remitly error, I contacted Remitly again, they apologized and that They offered to change the payment method to withdraw by window, it was supposedly done between 2 to 4 hours 24 hours have passed and the money has still not been sent to XXXX, today, Wednesday, I call again and they tell me an agent named XXXX, who sent an email and that the system must be updated, in conclusion, 6 days have passed, the money does not appear, it was deducted of my card, and my family in XXXX does not have it yet.
Product: Credit reporting

Equifax willingly and purposely falsifies credit scores of consumers. I look my XXXX Equiafax score that XXXX provides for free to consumers - on XX/XX/2017 my credit score was XXXX ( XXXX XXXX ). 
After I verified my credit score of XXXX for Equifax, I went to XXXX at XXXX NY, and trade-in my old car for a new XXXX. When the XXXX Salesman XXXX pulled my credit report directly from Equifax, the salesman showed me the Equifax credit score of XXXX. 
HOW THIS IS POSSIBLE? 
XXXX states they are getting the correct information/VERIFICATION directly from Equifax AND MY CREDIT SCORE ON XX/XX/2017 WERE XXXX FOR EQUIFAX. THEN A FEW HOURS LATER, WITHOUT COMMITING ANY CREDIT ACTIONS/PURCHESES/ETC. MY EQUIFAX CREDIT SCORE WAS XXXX, OR XXXX POINT LOWER!!!!! 
XXXX, the XXXX Salesman stated he 'sees that all the time and with many of his customers - they have two different credit scores reported by the same credit reporting agency, at the same day!!!! 
Why Equifax willingly and FRAUDLY reports old credit score to businesses such as car dealerships and banks? 
THE CONCLUSION IS there is an unwritten, hidden 'agreement ' between Equifax , car dealerships, and banks to report the lowest possible, but invalid credit scores from the consumers ' past reports, so customers/consumers will not be provided with the deserved APR or best appropriate INTEREST RATES to purchases cars and/or homes. Through illegal and unlawful practices Equifax is assuring higher interest rates for many businesses in the U.S. against consumers ' lawful rights. 
AS A RESULT, I was approved for 6.19 APR or 6.19 % which will cost me {$5700.00} interest to pay for my new XXXX on the top of the regular price of {$27000.00}. Equifax pairs with businesses and banks and negatively brutally affect the finances of the consumers. 

Just a few months ago, the CFPB had a lawsuit against XXXX for committing the same fraud practices. NOW IT IS URGENT EQUIFAX TO BE HELD ACCOUNTABLE FOR REPORTING THE WRONG CREDIT SCORES/LOWER OF WHAT IS THE CURENT, TO BUSSINESSES AND BANKS. I AM TREMENDOUSLY AND FIANCIALLY HURT BY EQUIFAX. 
Prove for my case can be taken from XXXX Credit Score Report form XX/XX/2017
Product: Debt collection

XX/XX/year> I C SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company XXXX XXXX XXXX XXXX  This letter is being sent to you in response to an entry made on my Credit Report dated open XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the Consumer Financial Protection Bureau ( CFPB ), and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. 

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

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.