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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 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 USC 1681. 


I told XXXX, XXXX and Transunion to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, or personal loan

I had filled out an application for an installment loan with this company on XX/XX/18, and after speaking to a representative, no further contact them was made on their behalf indicating if the loan was approved or denied. On XX/XX/18, I received a deposit from Oxford Funding in the amount of {$320.00} dollars. Had this lender contacted me prior to deposit, I would have denied this installment loan, as I had no need for it. Upon reading the agreement on their website, I then found an absolutely absurd interest rate that would result in a total repayment of {$1900.00}. I then contacted them to speak with someone about settling this debt, and was told that I would be charged per the agreement and other than paying off the total repayment amount, there was no other way to settle this debt. After doing research, I have found that this company is not even licensed to do business in the Commonwealth of XXXX, and after repaying above and beyond the principal as seen in the evidence provided, I feel that this debt is paid in full, and that repaying anything more beyond what I have already paid is essentially the same as throwing money away. Any help in this matter would be greatly appreciated. I have attached screenshots of the website showing the amounts paid, as well as my bank statement from XXXX showing the deposit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. I also sent a certified letter dated XXXX XXXX, XXXX to Transunion requesting the same information and nothing has been done by either XXXX XXXX XXXX or Transunion.
Product: Checking or savings account

In XX/XX/XXXX my stolen identity information was used to open a checking account at Bank of America. I spent countless hours on the phone with them attempting to resolve it to no avail. I went in person to a branch on XX/XX/XXXX to get it sorted out and was assured it would be taken care of. Its XXXX now and I am still getting account balance statements from BoFA who have clearly not closed this fraudulent account. Going into a branch again I get stonewalled by tellers and managers who cant be bothered to help me get this done. Bank of America does not take identity theft seriously and should not be allowed to do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 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 1681XXXX 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 : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$750.00}
Product: Credit reporting or other personal consumer reports

I have never been late on a credit card and am having a tough time getting the late pay reporting removed from my report from the reporting company. It is effecting my score and my ability to get into the best rates. Please help me in resolving the matter.
Product: Debt collection

I called Credit Collection Services after I spoke to XXXX. This account is not my account. I have a great relationship with XXXX and they told me to talk to CCS directly. When I called CCS they told me to pay the account to have it removed from my credit. Why would I pay an account that is not mine? THIS ACCOUNT IS NOT MY ACCOUNT PLEASE HELP ME!
Product: Debt collection

This collection agency obtained the name and phone number of my emergency contact person from my MEDICAL RECORDS and repeatedly contacted that person!!! Is this legal??? They left messages and contacted this person even after she called them back and asked them not to contact her again.
Product: Credit reporting

During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that EQUIFAX CREDIT INFORMATION SERVICEhas an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
EQUIFAX CREDIT INFORMATION SERVICE IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
EQUIFAX CREDIT INFORMATION SERVICE IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND EQUIFAX CREDIT INFORMATION SERVICE SHOULD STOP VIOLATING ALL CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! AS WELL AS STOP DAMAGING MY CREDIT WORTHINESS!
Product: Checking or savings account

I am a senior citizen and a 30+yr customer of Bank of America . My two checking accounts at Bank of America were hacked on XX/XX/XXXX, when I received emails from the bank. The total authorized amount of {$74000.00} was withdrawn. Bank of America fraud department was extremely difficult to reach and not helpful. A new ATM card was sent but not cancelled another card was sent to the wrong address. Ultimately the bank denied my claimed saying the charges were authorized on my ATM card, which I never use nor authorized anyone else to use. Bank of America has not made documents available to me and when I call during business hours their offices are closed. My original 2 checking accounts were supposed to be locked and closed but continue to receive auto-deposits. 

On XX/XX/2022 - executives at the bank were contacted about the fraud and how their associates refused to establish a claim or freeze my accounts. The executive has stopped replying to my e-mail : XXXX and XXXX. On XX/XX/XXXX at XXXX, I finally reached XXXX at the Fraud Department in Texas who filed a claim and supposedly froze my accounts. CASE # XXXX. Fraud continued on the accounts for several days after reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I submitted validation letters to the credit bureaus for a XXXX XXXX account that was reporting on my credit report and does not belong to me. In XX/XX/XXXX, I received a letter from XXXX, TransUnion, or XXXX stating that the account was " verified '', but did not forward any documents proving the validity of the account belonging to me. I then forwarded a second notice validation dispute letter in XX/XX/XXXX, in which I did not receive a response back from either bureau. In XX/XX/XXXX, I submitted another validation dispute letter and received a message through the XXXX app, which I did not authorize for electronic results, stating that the XXXX account has been " updated ''. I have not received any validation of the account. This action performed by the credit bureaus has caused me great financial harm due to unverified and invalidated accounts.
Product: Debt collection

Complaint XXXX was closed erroneously. I spoke to XXXX  and they alleged that the reason they responded to you that they were not the correct company, was because they allegedly never received my certified letter of debt validation and thus, must of course be the incorrect company. 
This is not a durable excuse, but it does further validate their deceptive and abusive handling of the matter. 
I've included documentation that removes any doubt they are indeed the company that slandered my credit for years, and this copy of my credit report should be able to survive any suggestion they're not the culprit. 
I expect them to explain why there was no due diligence applied to the matter before slandering my credit. The original creditor, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX has also failed to produce any detailed accounting of where this debt came from and I was working with the CEO directly, XXXX XXXX. It is my suspicion that there's active collaboration between these two entities as a means to launder fraudulent medical bills. In fact, their actions check most required boxes for interstate racketeering. This is supported by the rapid pace XXXX abandoned me as a patient after fraudulently billing my self-funded insurance plan ( not subject to federal oversight ) and the immediate derogatory remarks XXXX added to my credit report. This is further validated by their failure to verify the debt with the reporting agencies, and the failure of either company to produce any billing records, XXXX, medical records supporting any services billed for, etc.
Product: Checking or savings account

In XXXX of XXXX  I was charged large amounts of over draft fees because Navy Federal allowed several unauthorized transaction to go through in my account after I reported my card being used by someone else and had a new debit card sent out
Product: Student loan

I worked hard to pay off all my student loans. But I applied for a mortage in the spring and is says on my credit report I'm 90 days late. I call Navient they say, oh no there is one more. I'm on an auto draft and there is no payment due because of covid. My account is in high standing. He promised to take off the 90 days late ( Since I am not late. ) and the draft would begin again when it was due. I just applied for a debt consolidation loan yesterday, 7 months later. Navient is still report 90 days late. No address for me to send to and no one clearing it up. Can you help?
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CAP ONE NA ran a hard inquiry on my credit report without my permission. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ran a hard inquiry on my credit report without my permission. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  ran a hard inquiry on my credit report without my permission.
Product: Credit card

FNBO, who issues credit cards for XXXX XXXX ( and other purchases ) markets a credit card that gives different levels of cash back for grocery purchases ( 3 % ), Restaurants ( 3 % ), Other than Gas purchases as XXXX and XXXX stations ( 5 % ), and all other purchases ( 1 % ). However, there is no where online or on my statement that tells me what level of reward I have earned for groceries ( and doesn't tell me if a particular store is considered to be a grocery store ). I spoke with XXXX in their customer service department today on XX/XX/2023, who told me that XXXX determines the type of store category with the store. OK, but it should not be a secret. It should be transparent to a customer which category a particular store is in. For example, the online list of transactions tells me that a restaurant name IS a restaurant and that a payment made IS listed as uncategorized because it gets no points. Every other transaction is categorized as EVERYDAY PURCHASE including spends on gasoline and grocery stores. If the company does not want to indicate which stores it considers to be a grocery store online in the listing of reward transactions, then it should have a web page showing an alphabetic list of grocery store names so that a consumer can make " informed '' decisions about how they wish to pay in a particular store. Also, there is no way for a customer to verify that the amount of rewards they received each month is correct -- this should be transparent.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my frustration and seek immediate resolution regarding the ongoing restrictions on my account. 

My account has been restricted, and despite my efforts to provide the necessary information, I am repeatedly asked for details that I am unable to supply. Specifically : Bank Statement : I do not have a bank statement for the account ending in XXXX showing transactions since my purchase on XX/XX/XXXX. 

Prepaid Card : The card ending in XXXX is a prepaid card from XXXX, and therefore, I do not have a traditional bank statement for it. 

Unknown Card : I do not recall adding the card ending in XXXX to my account. 

Each time the review period nears its end, I am asked for the same information, which is not feasible for me to provide. This repetitive request is causing undue stress and delay, which is impacting my ability to access and manage my funds effectively. 

I urgently need access to my funds and would appreciate a more efficient resolution to this issue. Please advise on alternative ways to verify my account or provide a clear path to resolve these restrictions without further delay. 

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

I am a victim of identity theft. I have requested a block & investigation in the following fraudulent information from my credit report. I have no idea how he theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 

I am writing this due to non-compliance of the companies below and the non-compliance with the CRA XXXX and XXXX. 

They have failed to remove information that was affiliated with personal details and accounts that was due to identity theft and removed in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
Please remove this information for failing to validate the information, defamation of my name and for improper buying and selling of consumer personal information. 

XXXX XXXX Account # : XXXX COMENITYBANK/XXXX  Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Please let me know if you need any other information from me to block this information from my credit report. 
Thank you.
Product: Debt collection

Dates were XX/XX/2016 the amount was for {$180.00}. That exact date I provided them with a receipt where I paid {$88.00} at time of service so the amount that they are reporting in in correct and false. Ive contacted them on several occasions in reference to affairs but they have yet to respond to the matter correctly.
Product: Credit reporting or other personal consumer reports

Misleading Customer Support During Hardship Led to Unjust Delinquency Report I reached out to Affirms customer care team in good faith, explaining my financial hardship and seeking guidance on how best to manage my payments under the circumstances. During the conversation, the customer care agent assured me that I would not be penalized and advised me to simply make payments as I could, with no further repercussions. 

Despite this reassurance, and after being under XXXX  days late on a single payment, Affirm reported my account as delinquent to XXXX. I was surprised and disheartened by this, especially after trusting the support teams guidance. 

I have since opened a dispute with XXXX, which Affirm has unfortunately declined to resolve. 

I genuinely hope this feedback encourages Affirm to reconsider its approach when working with customers facing hardship. Clear communication and empathetic support are essential, especially when people are already navigating difficult financial situations.
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : 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.

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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The unvalidated late payments remain on my credit record despite my written dispute submitted over XXXX  days ago. Your failure to respond or provide validation within the required timeframe violates federal consumer protection laws.
Product: Money transfer, virtual currency, or money service

I am writing to complain PNC 's poor check deposit and fraud defense system! 

I am an international student. In XX/XX/2020, I, unfortunately, ran into a scam based on an employment opportunity at the XXXX XXXX University XXXX XXXX XXXX posted on XXXX. 

The fraud mailed me a check ( {$7800.00} ) to deposit for purchasing equipment for the " remote job ''. I deposited in the local PNC branch, and I told the fraud that I need to wait until the pending ends, which means the check is approved by PNC and posted on my bank account. 

However, PNC just used 1 day to approve the fake check and posted the money ( {$7800.00} ) to my bank account. I trusted PNC and sent money to the fraud. I was thinking I was using the money in the check only! Then, after 1 day, I realized the " employer '' was a fraud. So, I called XXXX immediately, and I also called PNC and PA Attorney General to report this scam. Right after 2-3 hours, in the afternoon, PNC told me the check was returned unpaid! And they wanted to blame on me for sending money to the fraud! I highly doubt PNC 's security system on checks. It was even me who told them there was a problem! As a XXXX XXXX, I have no ability to tell whether the check is true or fake. And I even don't know that when money is posted on your account, it can still be bounced back. To me, PNC failed me by posting the fake check in 1 day. There was no single alert for fraud or scam at all! It's a scam supported by the bank! 

If PNC, in the end, refuses to take their responsibility for this case and wants to blame everything ( {$7800.00} ) on me, I can't even afford to pay all the lost money which is more than I have! 

I am a hardworking person who has a XXXX of XXXX XXXX from the XXXX XXXX University. I pay taxes and try so hard to be a valuable element for this society. Please help me by standing against this bank system full of flaws!