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

Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}.
Product: Credit card

I was in XXXX on a humanitarian mission with a party of XXXX people from the XXXX On XX/XX/year> while we were at the airport in XXXX, I gave one of the guys in our party money so he could get food since he had run out of money. I gave him less than {$20.00}. Either in the XXXX  airport or XXXX airport, he sent me {$20.00} via Cashapp. On the subject line, he wrote, " thanks for having my back in XXXX ''. Cashapp froze both our accounts and sent emails asking why we were transacting business in XXXX. They sent him the email first. Wanted to know who he was sending money to and why. And why was he in XXXX. And he explained what the {$20.00} was about. Then I noticed my account was frozen and I contacted Cashapp and went through the same line of questioning. I told him that the money I received was my friend giving me money that I had loaned/given him to eat with. We went back and forth through Cashapp for a few days. Then I received the same email, my friend had received. I asked to speak to a live person and they would not do that. So, they have been holding my {$1400.00} for over 2 weeks and I think this is completely wrong. And they still won't tell me what he or I did wrong and they still will not release my money to me. I want to sue them!
Product: Credit reporting, credit repair services, or other personal consumer reports

A derogatory mark from XXXX ( original creditor XXXX ) was removed from my account, then months later on XX/XX/2019 I discovered said negative credit item from I.C. System Inc. with the account number XXXXXXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As well as the account has a open date listed as XX/XX/2019 on XXXX but an open date of XX/XX/2019 on XXXX which is re-aging of the original account.
Product: Debt or credit management

XXXX open a new account when I move to a new address without me knowing it was a new account. When I found out I call and talk to a rep and they stated if I paid it they would remove it from credit and it would take 30 days. This was XXXX  I talk to since it was there mistake. Then when I call back I was told there is nothing they can do even though its there mistake but when I talk to to the debt collector they said they needed to be contacted by XXXX  to get it removed. They falsely got my payment information after making promises they did not keep
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX/ ACCOUNT # XXXX XXXXXXXX XXXX XXXX/ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX/ ACCOUNT # XXXX THIS IS MY 2nd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Student loan

I have been paying my normal repayment for years. Out of the blue on XX/XX/XXXX I received an email stating they received my request for income driven repayment. I am mediately called to inform them that I did not submit anything and the request was not mine. The lady explained that there was another customer with a similar account or social number and that the request was incorrectly login to my account. I told her I did not want anything on my account changed. She assured me that it would be corrected. On XX/XX/XXXX I received another email stating that they received the additional documentation for the income driven request. Once again I called and explained how I called a week prior and that the issue is still not fixed and I did not want any changes made to my account. Today XXXX I received an email that the income driven request was approved and was provided my new payment information. After logging into my account I found that my repayment terms were in fact changed all without my permission. The lady apologized and says she would fix it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I attempted to make a payment on my auto lease to XXXX XXXX who is my lender directly on their website using my bank information. I submitted my payment and received a message on the website that the payment would be processed in business days. 
The payment was not processed so I then called XXXX XXXX  directly on XX/XX/XXXX to make a payment using my debit card. I was told a 30 day late remark would be added to my credit report, Mind you it was not my fault they did not process my payment submitted on XX/XX/XXXX. My payments are scheduled to be made every XXXX so on the XXXX I was still on 28 days past my due date and not yet 30 days late. I tried to fix the issue speaking to a representative but was told there is nothing they can do and they can not fix it. I tried speaking to a manager but they told me i don't need to. Id like to have the right thing done and have the late remark reversed due to it being unethical and a violation of my rights in accordance with the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the following debt collectors for failing to provide proper validation of the debts they are attempting to collect, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I sent debt validation requests to the companies listed below, requesting proof that these debts are valid and belong to me. To date, I have received no response, nor any validation of these debts, yet they remain on my credit reports. The debts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX i went to wells fargo in XXXX nc to deposit XXXX $ cash in my account. Everytbing went fine til later that evening which i got a call about a check being deposited in my account of XXXX $ i thought it was a fraud call so i hing up on them. The next day my account was - negative XXXX XXXX I called them and they explained that they was closing my accounts that i can no longer be a customer with them and can not bank with them ever again, not even giving me a chance to re open another account which i had been banking with them since XXXX!!!! They wasnt willing to help me do anything and now i cant get my taxes with my direct deposit due to them closing it before i get them so i have to wait a whole nother month to recieve a check. And i really dont appreciate it at all such a inconvenience to me with them not wanting to help me and stating i can no longer be a customer with them ever again. My account now states i have XXXX $ in it. But the check and my deposit was both done at the same place. And now i cant do anything with my account theres a block on it. And with all this that had happened making my account negative it took my last XXXX $
Product: Credit card or prepaid card

Dear CFPB, My name is XXXX XXXX. I am complaining about getting my usbankrelia prepaid card from usbank because they said I have to get the state to update my address and phone number. I am having trouble getting a card mailed to my new address. On XX/XX/2021 I had spoke with the Louisiana workforce commission office representative and the usbank and they both can not help me with this horrible situation. I have benefits from the unemployment office. I am devastated because I can not pay my bills and support my child due to not having my relia card from the usbank. The amount on the card is over {$1000.00}. No actions was taken place. You can email me at XXXX or call me at XXXX. I need my address and phone number updated on the my usbank relia prepaid card. My new address is XXXX XXXX XXXX XXXX. My number is XXXX. 

Sincerely, XXXX XXXX XX/XX/2021
Product: Mortgage

I believe Wells Fargo fraudulent created and implemented a false Forbearance agreement on my mortgage then sold the mortgage to a servicing company.
Product: Money transfer, virtual currency, or money service

This morning, XX/XX/2024, I was at the First Bank branch XXXX XXXX XXXX XXXX, XXXXl, CO XXXX I spoke with XXXX XXXX because I am having problems with the XXXX application. I registered my email with XXXX ( XXXX ), for testing purposes I received a deposit of XXXX {$5.00}, which arrived without problems, I was unable to receive MY WEEKLY PAYMENT of just over XXXX {$300.00}. I received a message from the payer confirming payment via XXXX, but the amount did not go into my account but went out of the account of the person who made the payment. XXXX XXXX couldn't explain, she just said that nothing appears, she also called the bank 's online service and also said that she couldn't do anything because the money would be IN LIMBO, that I should get proof that the money was sent, but I I received a message that the transfer was made in the registration email ( XXXX ). The bank is washing its hands of the matter, the payment no longer has the money in the account and neither do I. I ask for a solution to the case, I have on file the conversations with the payer that prove the above fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran without my permission I have text messages and proof that my information was illegally ran and they still wont fix the issue. XXXX should not me on my inquiry this is fraudulent I didnt give them permission to run my credit I want it removed
Product: Vehicle loan or lease

I received a signed " Out The Door '' offer on XX/XX/year> for a new vehicle from XXXX XXXX located in XXXX, NC. The selling price listed on the OTD offer matched the selling price as advertised online via the dealerships website. The selling price and total " Out The Door '' price quoted on the signed offer did not end up being the selling price and final " Out The Door '' price financed. The final " Out the Door '' price ( which was the amount that ended up being financed on XX/XX/year> ) was only slightly higher then the quoted OTD signed offer. This slightly higher final OTD price was explained by the finance manager as the result of a higher tax rate in my county of residence. The finance manager did not mention the change in the selling price as compared to the OTD signed offer. However, upon further review after purchase I discovered the selling price of the vehicle was recorded at a significantly higher value then the OTD offer and that the taxes and fees charged did not reflect a higher county charge, rather a lower charge then what was included on the signed OTD offer. I also discovered discrepancies in the amount of sales tax charged as it was beyond the state rate of XXXX XXXX All this has left a bad taste in my mouth. I have not reached out to the dealership at this point. I feel like without a formal complaint from a reputable organization like the CFPB the only response I will receive from the dealership will be along the lines of, " we cant do anything about that because you signed ... '' I hope this facilitates a remediation that includes a corrected selling price to match the selling price in the signed OTD offer with cash reimbursement for the difference as well as any cash reimbursement for any miscalculated tax rate charges or any other tax implications as a result of a higher selling price then quoted in the signed OTD offer. A formal apology with a promise to provide more honest and transparent customer service and to discontinue any misleading car selling or financing practices would be appreciated.
Product: Mortgage

When my renters caused damage to my unit I could not rent it for several months until it could be repaired. The resulting loss of income caused me to become delinquent on my mortgage. I was finally able to secure a modification in XX/XX/XXXX and have made payments as required since that time. I received in late XXXX that effective XX/XX/XXXX my mortgage payment would be increasing from {$920.00} to {$1500.00} due to an escrow shortage. In reviewing the letter I could see that my taxes and insurances had not increased significantly and the shortage was due to my modification. When the loan was modified the lender did not include my escrow shortage into the amounts due so that after the modification was completed I immediately started out with a deficit of {$7000.00} in my escrow account. When I questioned my servicer about the shortage their response was to simply apply for another modification ignoring the fact that I have an FHA mortgage which is not eligible to be modified again until XX/XX/XXXX.
Product: Credit card or prepaid card

I dont know where this account came from ... I can not contact the place of business either ... .Ive read multiple reviews about this company and they have turned out to be fraud ... I am looking for the best remedy for this problem ... thank you
Product: Prepaid card

On XXXX XXXX, 2015 I went your website to file a complaint about my Identy Theft and then your website directed me XXXX XXXX to compete the complaint and then request to paid {$5.00} month totaling {$71.00}. When I went to veiw my online transaction with American Express Services the total amount withdraw from my account was {$71.00} I did not authorized them steal my money. Then I can American Express Serve the customer services representative informed that I would have wait eight day to receive my money back when I explain that transaction amount was incorrect and that I want to dispute it American Express Serve was not helpful at all. Please investigate both of these company Product and Services to ensure they are following Untied States Federal Regulations.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

CITIBANK N A HAS A COLLECTIONS ON MY CREDIT REPORT THAT IS NOT MINE.
Product: Credit card

I opened an account with discover bank they did an hard inquiry, then for no reason they forcefully closed my account even though I made all payments on time it dropped my credit score so I want to remove the hard inquiry
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Payday loan, title loan, personal loan, or advance loan

I took out a title loan with TitleMax in XXXX, and Im still having to pay for that loan as of XX/XX/XXXX. My balance has continued to fluctuate and Ive paid more on the payments that were due while making each payment.
Product: Credit card or prepaid card

I have an account with Bank of America which I opened my account XX/XX/XXXX I have made all my payments on time Including XX/XX/XXXX. It seems to have been a mail room issue and it didn't post on time at no fault of my own. I have tried requesting paperwork from Bank of America to show me when the date this payment posted. First they report the wrong address on to the bureaus and when I did send to the correct address they failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} ; XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.