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

On XX/XX/2021, I sent a letter regarding inaccurate reporting on my credit report. To this day, 38 days later, I have not received a response as yet. I feel like I'm being ignored. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 dats gives a reason to immediately correct those inaccuracies on my credit report. I demand these accounts be reported correctly as Never Late with no late payments. If this isn't corrected, I will pursue litigation.
Product: Credit reporting or other personal consumer reports

Earlier today, I came across incorrect accounts on my credit report, and I have no idea how they got there. I check my report frequently, but this time I noticed discrepancies that werent there before. I tried refreshing the page, hoping it was just a technical glitch, but the errors did not disappear. Therefore, I am requesting a careful review of the documents I have sent to resolve this issue once and for all.
Product: Credit card

I have a truist business credit card which I applied for back in XX/XX/year> and was granted with a XXXX credit limit to my knowledge it shows on the XXXX website an offer of 0 % apr for 12 months so I thought perfect 12 months no interest after 12 months the card will start to accumulate interest. 

Not even 8 months after having the card the card started charging me interest back to back I called customer service representatives I sent emails and unresponsive back to back. I want the offer that I was given to be granted, that is all I'm seeking in writing this.
Product: Prepaid card

XXXX gift card has always been in my possession. I tried to use it and found it had been hacked. Someone had registered the card and used it for XXXX online purchases. 

I have the receipt and card. Called the number for US Bank National Association and have been given different stories each time. 

The first representative could see the card number was tried for a {$1.00} charge before even being activated. She took all of my info and gave me instructions on filing a fraud dispute. She gave me this fax number XXXX - which repeated attempts over many hours failed to deliver. 

I called back and this time was told that instead I needed to file a lost/replacement card request due to the card being registered in the hacker 's name. This does n't make any sense to me. I have the card! I was given different instructions on what to fax and to send it to XXXX. Still wo n't go through. 

I was also told I would be given a replacement card at a charge of {$5.00} - the new card would have a value of the remaining {$7.00} instead of the original {$200.00} is all that would be put on the replacement card. Then I would need to file a dispute to get the remaining original value put on this replacement card. This makes absolutely no sense. 

I have attached a scan of the information requested from me by US Bank.
Product: Checking or savings account

Chase Bank failed to provide a credit that is just and due mu acccount. 

I filed a claim for XXXX XXXX Leather as they charged my account in three amounts : XX/XX/XXXX {$59.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$380.00} I canceled the order immediately as merchandise was unavailable. There is no phone number to contact this merchant. They give a phone number XXXX but it is unreachable as reported by hundreds of complaints online. 

A box shipped and was refused through the shipper with Fed XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I located extensive information online about the horrors of this company and how they steal person 's funds by failing to credit accounts. 

I took a complete file into a Chase branch and they emailed it to the Chase Claims Department to credit my account. Chase Claims refused to credit my account with extensive evidence to do so.
Product: Credit card or prepaid card

This is my second entry because the response to my first one does not address the issue at all. XXXX is the first claim its all the details. 


TD Bank is making false claims. They sent me an adverse action letter that says I have a credit score XXXX and have sufficient credit with their bank which is not an indication of anything adverse that would deny an additional credit line increase. In their response they told me I provided that score and it is significantly different than what they have. I did not provide my credit score in the letter THEY sent me. This bank has issues with the adverse action program and the CFPB should investigate this bank and their responses.
Product: Mortgage

I am writing to formally lodge a complaint against U.S. Bank Mortgage for repeated and systemic mismanagement of my mortgage account, resulting in significant personal and financial harm. 

Key Issues : Recurring False Delinquency Reporting For XXXX consecutive years, U.S. Bank has erroneously reported my mortgage account as delinquent in XXXX for an XXXX payment. Despite my proactive effortsincluding monthly calls to verify my account statusthese errors persist. U.S. Bank representatives have repeatedly assured me that my account is current, yet false delinquency reports continue to damage my credit and cause undue stress. 

Poor Communication and Limited Access My mortgage is XXXX XXXX XXXX XXXX XXXX XXXX, serviced exclusively by an office in Wisconsin with limited hours and no direct contact number. This severely restricts my ability to resolve issues in a timely manner. 

Failure to XXXX XXXX XXXX U.S. Bank failed to complete required forms for the XXXX XXXX XXXX, delaying the reissuance of a lost check. This caused unnecessary financial strain and disrupted my payment schedule, despite my diligent follow-up. 

Mismanagement of Payments U.S. Bank is currently refusing to apply my payments to my account, instead placing them in a suspense account. This action further exacerbates the situation, creating a false delinquency that harms my credit and my ability to maintain stable housing. 

Acknowledgment of Error Without Corrective Action Last year, U.S. Bank admitted their reporting error, yet the same issue has recurred. This demonstrates a pattern of negligence and an inability to adequately service my mortgage. 

Impact : These ongoing errors and false credit reports have caused severe damage to my XXXX XXXX, disrupted my financial stability, and negatively impacted my quality of life. Every holiday season, I am subjected to harassment through false delinquency reporting, ruining XXXX and XXXX with unnecessary stress and anxiety. 

Desired Resolution : I am requesting the following actions : XXXX correction of my credit reports for the erroneous delinquency entries. 
A full investigation into U.S. Banks servicing practices for specialized mortgages.

Implementation of safeguards to prevent future errors.

Compensation for the financial and emotional harm caused by these repeated errors. 
Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.
Product: Consumer Loan

US Bank ignored my XXXX XXXX letter. 
I have a {$1300.00} charge off from US Bank, and they wo n't explain why. I have disputed with the Credit reporting agency 's, and it comes back as verified. I then sent US Bank a Direct Dispute request under the FCRA 623 and they completely ignored it. US Bank received my Direct Dispute letter XXXX XXXX, 2015 at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed over XXXX reports to the CFPB against transunion & XXXX 's inaccurate reporting already. They are not removing fraud on my credit report and need to be ordered to remove it without an investigation. 

They are wrongfully verifying the fraud as accurate and not providing details on how it could be.
Product: Debt collection

Upstart loan place XXXX XXXX  charge off on my credit XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX Subject : Dispute of Inaccurate Information Under 15 USC 16Bib and Request XXXX lam writing to formally dispute inaccurate information containe in my credit report, as permitted by the Fair Credit Reporting Act ( XXXX, specifically under both 15 USC 1681b and 15 USC 1681c-2. This dispute pertains to the information reported by your agency under the permissible purposes outlined in 15 USC 1681b, as well as my request for blockng information related to identity theft under 15 USC 1681c-2.

I recently obtained a copy of my credit report from your agency and have identified the folowing inaccuracies : Account Name : [ Upstart Account Number : [ XXXX Date of Reporting : ( XXXX ) Description of inaccuracy : [ This account is being reported as a charge off on my account this account is not mine company has not surrendered any supporting documents to me showing proof that this account is mine to be accurate or true it has been pass 30 days if the allowed time Please removed account immediately from my credit profile for Under 15 USC 16816 , consumer reporting agencies must ensure that the infrastructure they report is used for permissible purposes only. I am disputing the accuracy of this information, as it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 16815.

Additionally, I suspect that this inaccurate information may be a result of identity theft, which falls under the provisices of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information it a is found to be a result of such unauthorized activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting a Bankruptcy on my public record that does NOT belong to me. Please verify both Bankruptcy listed on my public records Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Product: Debt collection

Subject : Complaint Against Harris & Harris Collection Agency Dear CFPB, I hope this message finds you well. I am writing to seek protection from the collection practices of Harris & Harris, which claims to be acting on behalf of the XXXX of XXXX XXXX. 

I have recently experienced violations by Harris & Harris, including receiving multiple text messages after XXXX XXXX, which I understand is prohibited. I have provided supporting documentation regarding these text messages. 

Additionally, Harris & Harris has addressed someone named " XXXX '' in their text messages, a person whom I do not know, nor have I provided this contact number to any collection agency. 

I kindly request your intervention and investigation into these matters to ensure that my rights under the Fair Debt Collection Practices Act ( FDCPA ) are upheld. 

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

These people are XXXX of my character lying on my credit report, untrue and damaging to my way of life by presenting as a fact to others. I can not get a house for my family because of the lies on my credit report. I will be XXXX  if this isn't fixed asap Delete these lies on my credit report Delete these lies on my credit report
Product: Debt collection

Upon receipt of the enclosed notice, I am sending this letter to regarding my response to ( See Enclosed file Attached ) notice I received from Enhanced Recovery Company , LLC on XX/XX/XXXX. First and far most, this appears to be a fraudulent statement. Any one or any agency can submit an invoice of this nature to a consumer demanding a payment from a company. For example, according to this questionable billing statement, implies this service could have possible been provided to a XXXX - Here is my advice, Please provide consumers with specific details for the address as to where this service was provide. Next, I never received any Billing Statement from XXXX saying that I still owe this amount after closing the account XX/XX/XXXX. XXXX XXXX years ago ) Furthermore, I am in dispute of any XXXX XXXX provide during this time, since there have been reports released alleging " A class action lawsuit filed in Superior Court accuses XXXX of unfair and deceptive business practices, claiming the company charges customers for services they did not receive during time periods in which their XXXX services were suspended and/or disconnected. '' XXXX of consumers have been harmed financially and emotionally by their illegal and unethical practices. What many consumers may not realize is that they have legal rights. 



Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair CREDIT BILLING ACT, and validation is requested. Also, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Product: Payday loan, title loan, or personal loan

In XXXX I received {$500.00}. In XX/XX/XXXX the a count was closed. In XX/XX/XXXX the monies I accumulated through Moneylion was used to pay on the account. I was told this left a balance of {$100.00}. In XX/XX/XXXX I spoke with someone at Moneylion via phone and a rep via email. I was told the account went into collections as of XX/XX/XXXX. I was told this information would be reflected on all three Bureaus. Instead, Moneylion is reporting inaccurate information such as, dates the account was closed now states as of XX/XX/XXXX and I was told its only charged off and the {$100.00} is in a " collective state ''. I asked for clarification and received none. They again reported on my credit as of yesterday and today and once again the information was inaccurate and the balance is totally different again. I have all the emails and transcripts that states the current status of this account.
Product: Debt collection

Over the past few months, XXXX XXXX has sent me letters telling me to pay them {$220.00}  because they 're claiming PayPal can not sue me for debt. I have asked PayPal for proof that I have any outstanding debt with them and they have stated no. I called XXXX and the moment I said I had called PayPal for proof they hung up.
Product: Mortgage

The borrower, XXXX XXXX, has been working with Bank of America since XX/XX/XXXX to get his mortgage loan modified. He is current and the loan was modified. The most recent mortgage statement, however, shows that his payment has increased by $ XXXX/month and he does n't know why. XXXX charges are listed on the statement in addition to his PITI payment of {$700.00}. They are : 1 ) {$85.00} for overdue payments, fees, and charges and 2 ) {$46.00} for a payment advance. 
A Notice of Error was sent certified mail return receipt requested XX/XX/XXXX and is signed by BofA XX/XX/XXXX by a housing counselor, myself, XXXX XXXX. On XX/XX/XXXX, I received a letter from BofA stating that they needed authorization to send me this information. An authorization form was sent with the Notice of Error and was resent on XX/XX/XXXX. 
To date, we do n't have confidence that Bank of America is going to identify the charges and inform the borrower how long he will be charged for same. 
Borrower is on limited income and his budget is short $ XXXX/month. Not paying these fees is very important to him. At the least, he needs to know what they are for and how long they will be charged.
Product: Credit card

Found out that someone opened a fraudulent account with CB Indigo bank maxed out the balance.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX per violation and clearly they violated my rights.
Product: Debt collection

Over the course of the last XXXX  years I have repeatedly requested information from the debt collection agency Vinci Law Firm, LLC.

Initial they said they would send it in the mail. I never received any such documentation that I in fact owe this debt. 
Furthermore after contacting them again, I requested information about the same alleged debt and they again assured me they would send all information regarding the XXXX XXXX XXXX XXXX Account, this time through email. 
I requested for the document to be sent both to mail and email however the company claimed i could only chose XXXX method. Since they were " lost at the Post Office '' somehow I decided to go through email this time. 
Currently I still haven't received anything yet and these request were made over XXXX  months ago. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
Please remove any notices or references to any " XXXX XXXX XXXX XXXX XXXX XXXX loan accounts from all credit reporting agencies and their subsidiaries and denote them as under dispute until this matter is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed several accounts that do not belong to XXXX Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 


n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/year> Midland Credit Management Attn : Consumer Support Services XXXX XXXX Big XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX Re : Debt Validation Request Account # : XXXX To Whom it May Concern : I am writing to formally request a debt validation for the above-referenced account under the Fair Credit Reporting Act ( FCRA ), specifically per 15 U.S.C. 1681g and 15 U.S.C. 1681s-2. This is my second request for validation, as I have not yet received sufficient proof that this debt is valid and accurately reported. 

According to the FCRA, you are required to provide complete and accurate information, including : A copy of any contract or agreement bearing my signature that verifies the validity of this debt. 

A full accounting of the debt, including the original amount, all payments made, and how the balance was calculated. 

The name and address of the original creditor, as well as any documentation showing the transfer of this debt, if applicable. 

Proof that you are legally authorized to collect this debt in my state. 

Additionally, under 15 U.S.C. 1681s-2 ( b ), if this debt is being reported to any credit reporting agencies, you are required to investigate and rectify any inaccuracies. Please provide written verification that this has been completed or that this debt has been removed from my credit report if validation can not be provided. 

If you are unable to provide this information, I respectfully request that you cease all collection activities and remove any negative reporting associated with this debt from my credit reports. 

Please respond within 30 days of receipt of this letter. I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX