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

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX whose collection agency is XXXX XXXX is reporting a collection amount of {$0.00} in which was paid in full. This collection agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed immediately from Transunion, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted TransUnion regarding 12 unauthorized inquires on my credit report. I had been car shopping and authorized a dealer to do a " soft pull '' on my three credit reports. Instead, not only did they do a " hard pull '' themselves, they sent my personal information ( without my verbal or written consent ) to a number of third party financing companies. The car dealer said I would have to contact the credit bureaus : they could not remove the inquires. While I had not problem contacting XXXX  and XXXX and having the unauthorized inquiries removed, TransUnion 's response was that they did not conduct inquiry disputes and that I would have to contact each third party creditor directly to have them remove the inquires. One by one I contacted the creditors : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. and each time I was told by the representatives of the respective creditor I contacted that they could not remove the inquiry and that I needed to dispute it with the credit bureau ( TransUnion ) to resolve the issue/have the inquiry removed. Again, I contacted TransUnion on XX/XX/2020 and explained to the new representative to whom I was speaking that the creditors are telling me that I have to file a dispute with them. Again I was told they do not dispute inquires, but then was told to write them a letter in regards to what I was disputing. I asked if I could fax the letter to them, for expedience sake, and was told they no longer allow disputes by fax. My concern is, that after sending and them receiving the inquiry disputes, is that they will not act on them as they are legally required to given the fact that they are now telling consumers ( I have read other reviews on complaint boards ) that they do not dispute inquires. Considering each inquiry can lower your creditor score by 2 points or more, and a high number of inquires can cause a denial for credit on its own ( even with a good credit score ), TransUnion 's position is causing serious potential financial hardship to people who are trying to improve or maintain their financial status.
Product: Debt collection

There is no selection for this, so I selected a random item from the list. 

I will not allow this company to collect additional information from me, but am willing to pay the amount owed. I have never received any letter communication from them so I do not have the account number. They are refusing to provide me the account number without agreeing to comply with their collection policies, which I do not have to do. I have repeatedly stated I will confirm my identity ( and have ) by providing my name and address, but will not agree to their collection terms because I am tired of collection agencies using that as an excuse to send me marketing information, or collect information they do not need to allow me to make payment. 

I have recordings of their employees refusing to provide me my account information to make that payment.
Product: Vehicle loan or lease

I have contracted Volvo Car Financial Services XXXX times and requested quotes for ending my lease early. After I turned my car in, they requested payments after quoting me {$0.00}. 

I first contacted them in XXXX of 2022 after receiving mail about ending my lease early and having remaining payments waived. Subsequent contacts were made in XXXX and XXXX to obtain " quotes '' for early lease termination. Each time I contacted them, they told me " management '' would approve early termination of the lease and a decision takes XXXX business days. I was moving from XXXX state to another and my lease was set to terminate in XXXX of XXXX. I asked them how much would be due to turn-in the car versus taking it with me and shipping it across the country. Each time I inquired they forward the request to management and a turn in quote is issued and good for 14 days. 

I made the third ( and last ) request in XX/XX/2022 ( due to previous requests expiring and reinitiating a new request ). The rep told me the balance due would still be {$0.00}. 

I asked if I needed to sign anything and they told me I did not, that I only needed to turn the leased XXXX XXXX in to a Volvo dealer no later than XX/XX/XXXX of 2022 and then call XXXX back and advise the car has been turned-in, time, and mileage. 

On XX/XX/XXXX of 2022, I turned my XXXX car into my local dealer in XXXX Indiana around XXXX to a sales person representing XXXX XXXX ( who was on a call and couldn't meet me ). I then called Volvo Financial and let them know the mileage. I inquired with the dealer about turning the car in and if I needed to sign something and they said no. 

I have now received requests for payments for ; " Remaining payments : '' {$1400.00}, " Excess Wear And Use Charge '' {$130.00} and " Vehicle turn in fee '' {$350.00}. 

I called XXXX on XX/XX/XXXX and spoke to a representative, XXXX, and explained the above. She informed me she reviewed my account notes and I was quoted the {$0.00} turn in for the remaining payment and would need to forward for " account review '' and I would need to call back on XX/XX/XXXX if I would like a " status update. '' XXXX went on to explain to me the {$350.00} and {$130.00} charges are valid charges and asked me If I wanted to pay them for a combined total with tax of {$520.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bayview completely ignored laws and is reporting a disputed amount to the credit bureau. Bayview took over my loan and even when I disputed according to the laws that are supposed to protect me, Bayview ignored and reports my account late 60 days which included the disputed payment. Bayview asked me to provide information I did, they reported to credit bureau and had caused me financial damage they are going this, as noted on your site too many many people, when will this company be stopped?
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXXXXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, XXXX, XXXX refused to remove fraudulent accounts from my credit report. These fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to account XXXXXXXX XXXX  XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

Contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I
Product: Debt collection

Hello. I am looking for a fair solution on this case. I am victim of violations to my rights as a consumer. American Express is committing multiple violations to the California Credit Reporting Act. 

I am writing to you today regarding the following account with : Account # XXXX, opened date XX/XX/2016, limit {$2000.00}, balance {$0.00}, status : closed. I tried to solve this issue with them, but no answer was received on my side. 

Some of the violations that Amex is committing are : - Unfair business practices - Negligence - Breach of contract - Reporting incomplete information I am demanding the item removed frmo my report. This is causing me a lot of troubles, XXXX XXXX, and with all this covid19 situation, is even worst. 

Please send the attached documentation to American Express. 

Thank you very much.
Product: Checking or savings account

I made a US Treasury check deposit in the amount of {$28.00}, XXXX at the XXXX XXXX Citibank branch on XX/XX/scrub>XX/XX/2024. Shortly after I made the deposit I noticed that my debit card was not working. I then visited the branch and was informed that my account was blocked because they were reviewing the check and the review would take 48 hours. I waited for two days and then contacted Citibank about the situation and they informed me that my account was still blocked and that I needed to visit a branch and verify my identity and address. I visited the Citibank branch and provided my passport, mail, as well as source of income which included my tax return. They then told me that they would not accept any of my documents and that I needed a drivers license. I went to the DMV and purchased a drivers license and then went back to the branch and provided them with it. I was then told that it would take 48 hours to review. As of XX/XX/2024 my account is still blocked and I still do not have access to any of my funds. I have provided more than enough information to verify my identity as well as proof of address. I have provided this information to more than one branch. At this point I will be taking legal action because there is no reason why I shouldn't have access to my money or my account. I believe I am being discriminated against. This bank is in violation of regulation cc.
Product: Debt collection

Multiple calls asking for XXXX. Im not her, don't know her. Asked to be removed from Midland Credit services database and I get the run around.
Product: Checking or savings account

In XXXX of XXXX I opened a business checking account with Bank of America at my local branch, which has since permanently closed. I was informed about an offer where if I maintained an account balance for the first 90 days of {$30000.00} I would receive a credit of {$1000.00}. I never received this offer, despite moving money out of a high yield savings account at an outside bank and maintaining the balance for over 90 days. When I called to inquire about this I was told that the banker never enrolled me in the incentive. I felt this was unfair to me since I lost out on interest earned by moving the money, and I complied with the terms on my end. They " opened a case '' and I was told that I would have to call the customer service back after XXXX days to find out the resolution. When I called back, I was told it was rejected due to the requirement of " new money ''. Since I moved money from an outside bank, this didn't make any sense to me. This appears to be a violation of Regulation DD and when I stated that to the supervisor, she disagreed. They know what offers they were running at the time of the account opening, and they can look at my account history. This feels like a bait and switch.
Product: Money transfer, virtual currency, or money service

I received a check from my insurance company in XXXX for funds in reference to hurricane Irma. I contacted Flagstar bank and they sent me a packet to fill out and send back with copies of the companies XXXX, Ins adjusters work sheet, conditional waiver of lien, contractor affidavit, repairs affidavit and property owner contract. All were sent along with the endorsed check in XXXX. 
I have been in contact with Flagstar starting in XX/XX/XXXX however i did not start documenting until XX/XX/XXXX. On each occasion I spoke to a customer service person in the Loss Draft Department. Each time there were frivolous excuses given for why they had not sent my check to me so that we could get a start date for replacement of our roof. 
On Each time I called : XX/XX/XXXX / 21 minutes on hold XX/XX/XXXX / 1 hour and 40 minutes trying to resolve issues that did not exist because they had all the paperwork necessary to release the check. 
On XX/XX/XXXX I was told the check would release. 
XX/XX/XXXX I called again and was told the check released on XX/XX/XXXX and it would take 10 days to get to me. 
XX/XX/XXXX I have still not recd the check. Flagstar is holding my money and causing damage to an already damaged roof for no reason. It was my understanding the reason the insurance companies put the insurance check in both our name and banks name is to insure that the work is done to protect the banks investment in the home. So why are they giving me such a hard time about releasing the check? I believe that the bank is stalling and holding my money hostage for a reason I can not fathom. 
reference loss draft ID # XXXX telephone number XXXX
Product: Student loan

I was XXXX XXXX XXXX college XXXX in XXXX XXXX and I had a student loan previously with Sallie Mae and after become Navient.I am struggling with payment option because my income is low and they ruin my credit.
Product: Checking or savings account

An account was opened on my name fraudulently for the third time emails were sent to my wifes email for some reason I have reported this to the XXXX XXXX XXXX and I have spoken to Bank of America about the situation. Several times they assured me it wont happen again but it happened again. I have no other options and Im reporting its everywhere can I to protect myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX  are reporting FRAUDULENT DEBT on my credit report from the COUNTY OF XXXX XXXX XXXX XXXX COUNTY OF XXXX XXXX DISTRICT CHILD SUPPORT SERVICES ( DCSS ) D-U-N-S # : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, CA [ XXXX ], XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, in which I, Secured Party - Creditor - Holder-In-Due-Course, have Perfected Security Interest, LIEN recorded with the CA Secretary of State. The absconding DEBTORS agree to pay Secured Party {>= $1,000,000}. ( XXXX XXXX, XXXX XXXX & XXXX XXXX Dollars ) in Functional United States Currency, gold and/or silver equivalent by the ounce at current market value with daily interest of 9 % for Commercial Dishonor. 
See. https : XXXX.
Product: Student loan

I made an overpayment on my student loan nearly a year ago. At that time, the customer service representative indicated that it would reconcile at some point ( there was no clarity as to when this would be ). Nearly a year later, I am still stuck in the paid ahead status and the {$400.00} continues to revolve through each billing cycle. When I asked the customer service representative which federal agency I could file a complaint with about the loan servicing company, I was told, " I do n't know. '' When I asked to speak with the customer service representative 's supervisor, I was put on an extended hold. During that time, I searched on XXXX and found the CFPB 's website/complaint form. Student loan recipients should not have to argue with a servicing company to figure out how they can properly file a complaint with the federal government. 

Lastly, I have emailed XXXX numerous times through their online email application on the lending portal ( while logged into my account ). I have NEVER received a response to ANY of my emailed complaints or requests to XXXX. That 's beyond unacceptable.
Product: Money transfer, virtual currency, or money service

Cash app closed my account for no reason they told I violated terms which they haven't explained til this day I was scammed out XXXX on XX/XX/year>. This isn't first time either another time it was XXXX and then XXXX they refused to help retrieve my funds said it's my bank responsibility I paid for a service the merchant never so I asked for a refund they uphold the scam and fraud but punish consumers who filed complaints each time I reach out they give me the run around I know for a fact I didn't violate anything my account has been closed for 4 months they telling me it takes 30 days for appeal which is not true I want my account back and my funds I'm aware of the lawsuit too I'm definitely a victim
Product: Credit reporting or other personal consumer reports

Dear Bureau. 
Hello, I am XXXX XXXX writing to request that you correct the inappropriate information on my credit report. This inquiry does not belong to me. I am attaching to you the documents and my appeal to the CFPB In accordance with the law, I have the opportunity to demand that you respect my rights. 
Please remove this inquiry : CAPITALONE - XX/XX/2023 CAPITALONE - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Terminate issuing incorrect information to my Credit Report and delete these accounts.