23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is based on violations of the FDCPA and the FCRA by Eastern Account System ( Eastern ). 

___ On XX/XX/XXXX, I reviewed my XXXX  credit report and saw a collection account reported by Eastern for a {$65.00} medical debt. I only just discovered the account from my credit report. Eastern never sent me a letter with a notice that I had a right to dispute the debt. 

___ On XX/XX/XXXX, I disputed the debt with Eastern by certified mail. 

___ Eastern did not respond to my letter and did not validate the debt. 

___ In my letter, I gave Eastern notice that I will also dispute the account with the credit bureaus. According to federal court decisions, if a debt collector verifies an account to a credit bureau before validating the debt, that is a violation of the FDCPA for failing to cease collection of the debt. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ) [ emphasis added ]. 

___ On XX/XX/XXXX, I disputed the unverified Eastern account with XXXX. 

___ On XX/XX/XXXX, XXXX  sent me the results of the re-investigation. Eastern failed to cease collection of the debt because they falsely verified the unverified debt to a credit bureau. 

___ Also according to federal court decisions, the failure of Eastern to provide account-level documentation to validate the debt means that they had no such materials to rely on when they verified the account to XXXX. Here is case law on this as well A jury could also find that because [ the debt collector ] retained the right to seek account-level documentation through its agreements with [ the creditors ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. Hinkle v. Midland Credit Management , Inc., et al No. 3:2013cv00033 ( S.D. Ga. 2015 ). 

___ Based on the aforementioned facts, Eastern violated the FDCPA and FCRA. 

___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the disputed and unverified debt. 

___ ( b ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt. 

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) in that they failed to conduct a reasonable investigation of my dispute thru a credit reporting agency. 

___ DAMAGES : I was denied credit due to the unverified collection account that Eastern wrongfully verified to a credit bureau. 

___ RECOURSE : I spoke with a consumer lawyer about filing a complaint with the CFPB. He explained how to structure my complaint, and to contact him if my CFPB complaint does not resolve this matter.
Product: Mortgage

Wells Fargo XXXX XXXX : XXXX FHA Case Number : XXXX Name on Account : XXXX XXXX Mortgage Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX The following two partial claims recorded on my mortgage has never been subtracted from the mortgage balance to reflect the funds Wells Fargo Home Mortgage received from Hud : Partial Claim - {$7000.00} - XX/XX/XXXX - Hurricane Rita Partial Claim - {$7000.00} XX/XX/XXXX - Hamp Program I am requesting your help to have my mortgage balance updated by Wells Fargo Home Mortgage to reflect the funds they received from Hud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did a hard inquiry on my credit on XX/XX/2017 and I never applied for anything for anyone to use my credit for them to do an inquiry. I need to dispute this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below accounts as I have outlined strategically, violated my consumer rights as protected by federal regulations, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 First of all, 15 USC 1681, section 602 A states : As consumer, I have the right to Privacy.

Secondly, 15 USC 1681, section 604 A, sub-section 2 states : A consumer reporting agency can not furnish an account of mine without my WRITTEN instructions.

Thirdly, 15 USC 1681c ( a ) ( 5 ) 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 Conviction of Crimes which antedates the report by more than 7 years More importantly, 15 USC 1681s-2 ( A ) ( 1 ) states : 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 card or prepaid card

Citibank abruptly ( and without notice ) closed all my credit card accounts and confiscated more than 700k rewards points that I have accumulated from legitimate spends on the accounts for many years. I had been a customer for many years with no negative/late payment history and I have not done anything that is not legal nor abusing the system.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a rental decision email from XXXX XXXX, an XXXX XXXX company in XXXX XXXX XXXX. This email stated that their third-party credit screening company, Resident Verify, conducted a credit check for my apartment application, which returned an adverse action that neither Resident Verify nor XXXX can explain why this adverse action was taken. I can not explain why this adverse action was taken either and am contacting the CFPB to request an investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/XXXX and XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing significant financial harm and emotional distress.

I would like to provide a summary of my efforts to address this matter : I first discovered the presence of fraudulent items on my credit report. Immediately, I initiated disputes with your credit reporting agency, providing all the necessary documentation and evidence to demonstrate that these items are indeed fraudulent.

Subsequently, I have made numerous attempts to dispute and remove these fraudulent items. I have followed all required dispute procedures, provided additional supporting documentation, and communicated with the creditors associated with these fraudulent items to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the fraudulent items continue to appear on my credit report, adversely affecting my credit history and causing me significant financial distress. They have not been removed, updated, or adequately investigated by your agency or the creditors involved. 

This ongoing situation has caused me significant financial hardship and emotional distress. I have diligently followed all dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. I urge you to rectify this matter promptly, as it is imperative for my financial well-being and peace of mind. 

I am well aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I am prepared to take further legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the fraud items in my credit report : 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 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 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
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and dispute regarding the inaccurate information on my Equifax credit report. On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$20000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1200.00} Original Creditor : XXXX XXXX XXXX Please remove it from my credit report.
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 U.S.C 1681. XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.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 1681. ( 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

I have been disputed this debt since 2015. I have contact XXXX and ask for proof. Now I have contacted this current collection company, request for a contract and license information. I got a balance print out from XXXX  website and list of license for a lot of state but New Jersey.
Product: Mortgage

We paid off our Mr. Cooper mortgage when we sold a second home on XX/XX/2020. We are due at escrow refund. We had not received the refund by XX/XX/XXXX so I telephoned Mr. Cooper and was told 2 checks had been issued to us. One for most of the escrow balance and one for additional escrow funds from closing. XXXX told me that our mailing address was the property address and that is where they sent our refunds.This was impossible since Mr. Cooper has mailed 1099 and other mortgage documents to our current address for 2 years. XXXX changed the mailing address, cancelled the first checks and told me that we would receive the refunds within 7-10 business days. As of today, XX/XX/XXXX, we have still not received the refunds. We telephoned today and were told the payments were still pending. We spoke with an escalation team member who told me she would send me an email with her contact information. I have not received any email from her. They also said they would XXXX the checks, but I have no way to verify if the checks have been issued. They are holding our funds without interest payments for well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX FIN XXXX Balance : $ XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/Charge Off : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$4300.00} LatePayment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELFREPORTED XXXX XXXX XXXX SELFREPORTED XXXX Inquiries : XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Checking or savings account

In the past, I have used XXXX to send and receive money from my PNC Virtual Wallet checking account.XXXX now says that PNC has made internal changes that do not allow for the account to be linked with XXXX, and suggested I contact CFPB
Product: Credit card or prepaid card

My unemployment was deposited on XX/XX/2020 and about 5 minutes after I received the email stating it was deposited into my account I tried going online to check my total balance. I was blocked from logging in and resetting my password. I called immediately and was placed on hold for two hours! I get transferred to a fraud/services department all they can tell me is that my direct deposit was returned and it was a violation of their rules and I should receive an email. I email was sent. They wont confirm that my money is safe and if everything is still in my account. I cant check my balance and every last dime I had is in that account and I have no access to it. I was told to just write their P.O. Box and wait until they respond! My son is dependent on medicine and I buy it weekly! Not having access to my account and money is detrimental for us! If something happens to my son since I cant access any of my money the. Ill be forced to sue.
Product: Student loan

My name is XXXX XXXX. I took out federal and non-federal student loans during XXXX while attending the University XXXX XXXX XXXX. The loan was through Citibank with a total of approximately {$40000.00}. I have made all payments on time and typically paid more than the minimum payment because I was trying to repay back my loans faster. I was able to pay off all my loans by XX/XX/XXXX. It is now XX/XX/XXXX and I 'm trying to get a mortgage. My mortgage lender informs me that Citibank had filed a dispute on my student loan. I had never heard of this before and it was shocking since it 's been a couple of years since I had paid off my loans. I called Citibank and they said that the dispute was filed with the credit agencies because of how my last payment was redistributed. This did n't make any sense. You would think that paying off a student loan would have been a good thing ; not something to file a dispute over. They will be sending me a letter via snail mail which will take 5-7 days for me to receive stating that the dispute is closed and that my loans are all paid off. They can not send me an e-mail or fax to confirm this. They can not overnight me this letter. I 'm most likely not going to be able to meet my mortgage commitment due date because of this, since it is holding up my mortgage application process. I 'm filing a complaint because I was treated unfairly by Citibank and they are not willing to do all they can to help me address the repercussions of their mistake. I would like this to be published so that other consumers are warned and if they did have a student loan with Citibank, it does n't hurt to check if there is an open dispute against them. Especially for those who paid off their loans early and are asking Citibank to redistribute the additional payment towards principal instead of interest, since that is apparently why the dispute was opened in the first place.
Product: Credit card

Referred my husband and business owner to sign up for business card for XXXX card referral bonus. I called chase twice to verify when the points would appear. They could not verify and stated it looked as if I would not get the referral. The only reason we opened the card was because the bonus points would make us eligible for the companion pass. We are getting the run around and being told to cancel the card and reapply with an additional hard credit hit. The lending department told us that they would decline the 2nd card application and that information didn't sound right. We have literally spent over 2 hrs trying to obtain the referral points and have been transferred to one unhelpful person after another. We are highly frustrated with Chase XXXX card and would like someone to call us back and give us the correct information and path to take. We have zero faith in the information we have been given over the phone and no longer have the hours to waste on the phone trying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dealt with XXXX after paying without any late payments for years negotiating a payoff amount of {$9100.00}. There was a discrepancy amount not negotiated for repayment and XXXX reported my account as a charge off dropping my credit rating over XXXX points ( XXXX ). After reviewing my account XXXX sent apology letter for mistake and reported car paid in full rendering only a partial replacement ( less than half ) of the credit rating points taken away for their mistake. Fast forward to XXXX XXXX XXXX I get a notice from credit karma indicating a credit score drop of XXXX points with XXXX and XXXX XXXX due to remarks made by XXXX before removing the account completely from my file. This is double jeopardy! I am losing more points in addition to the ones originally lost because of their mistake. I did call XXXX and spoke with XXXX who filed a complaint for me. I need to recoup all of my stolen points because I pay all of my bills on time and I am trying to buy a home. XXXX fell to XXXX from XXXX and XXXX XXXX from XXXX! Can you also help me to get all of my points back that I have worked years to build? Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1400XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 employers listed that are wrong. Also 2 unauthorized inquiries that need to be deleted. Also there is a medical collection that is on my account that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  - Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information stolen from Equifax database by security breach.
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 p 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 finical loss, and i seek appropriate redress for these violations