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

To Whom It May Concern : EXPERIAN, XXXX, and XXXX Im writing because I see that my request as a federally protected consumer havent been acknowledge or respected and the several unlawful acts and violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 
I made a request for verification and documentary evidence of these accounts and it been well over 30 days ago, to date as required by law per 15 USC 1681 To, I have not received any valid proof or heard any response from these organizations Experian, XXXX and XXXX regarding this matter. 

I am requesting that these negative accounts be removed from my credit report IMMEDIATELY, as they are causing significant harm to my credit score and overall financial well-being. 

XXXX : ACCOUNT # XXXX EXPERIAN XXXX XXXX XXXX XXXX Date opened : *different dates Number of months ( terms ) *different numbers High credit : *different numbers Last reported : * different dates XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are XXXX accounts XXXX XXXX all with the same account numbers *All different information and inaccurate reporting as well XXXX : ACCOUNT # XXXX XXXX Billing error on this XXXX XXXX XXXX  account., never late! 
Also, violation per the Electronic Transfer Act & 15 USC 6802-OBLIGATIONS TO RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. Fix this account to paid as agreed and never late or delete it as well. 


Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX Delete based on 15 USC 1681 b- PERMISSIBLE PURPOSE & The Privacy Act of 1974 Furthermore, I would like to remind you that under FCRA Section 611 ( a ), credit bureaus are required to conduct a reasonable investigation of any disputed information and correct or delete any inaccurate or unverified information. I am confident that upon investigation, it will be found that the accounts in question were reported in violation of my rights and once again its been well over 30 days and theres been plenty of time for your investigation and for the documentary evidence I requested. Therefore, I want the accounts and inquiries I stated above deleted the very min you get this. 

I urge you to take immediate action to rectify this situation, and I look forward to hearing from you soon, By the way as stated before my address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX and any other address on my report is non-mailable and needs to be deleted as well. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize these inquiries XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no acton  Amex XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Towards the end of XXXX, I received a notification through my credit report that Fortiva had opened a new credit card account in my name. I had absolutely no knowledge of this or why this happened. 

In 2021, I had signed up for an account with Fortiva through XXXX. But it could only be used through them. That account had not had any activity for over a year. 

I reached out to Fortiva on XX/XX/XXXX asking them what happened. They said that they were upgrading me because they believed I would like that since the card could now be used everywhere rather than just at XXXX. They also said that they sent me an email in XXXX that I never responded to, probably because it went to spam. 

It is my understanding that companies are not authorized to simply close and open accounts for people without their actual consent, not just a lack of saying no. Otherwise why wouldn't credit card companies just send out tons of emails to people saying they are going to sign them up for a card unless they respond back. 

By doing this, they caused detrimental impact to my credit score. Not only did they remove an account that I had for over 2 years, which impacts my age of credit history but it also adds a new credit card that simultaneously shortens my average credit age and makes us less appealing for other offers since it shows we recently took out another credit card. I took a drop in my credit score immediately when this happened. 

Regardless of what Fortiva is saying about this being an " upgrade '', it is not an upgrade. I have had this happen with other cards where I was upgraded and the account number stayed the same, not impacting anything else. However this is not the case as it actually closed the old account and reopened a new one.
Product: Mortgage

This all began in XX/XX/2020. My mortgage company Homebrigde took two payments ( XXXX ) from my account and when i informed that they took t wo payments from my account they agreed to send one of the payments back. I spoke with them on many occations and no funds returned until XX/XX/XXXX. Prior to them taken the two payments they sent me a letter that my payments will be going up by XXXX as of XX/XX/XXXX which brought my payments to XXXX. I attempted to contact homebriged XXXX, XXXX XXXX, XXXX when i paid my payment in XXXX the person on the phone states the I attampere paid XXXX in XXXX and when I went to pay in XXXX the customer services person stated that I only needed to pay XXXX I explained that I paid XXXX last month he insisted that I paid XXXX he stated that I only needed XXXX i gave him that amount and it was reported that I made partial payment. They still had not returned the XXXX they took in XX/XX/2020. XXXX i got my bank involved and homebridge sent me a check for XXXX. I still had not gotten a explanation for the raise in house payments in XXXX, Now in XXXX I spoke with a customer services and the issues seem to have been resolved he states that a supervisor will call me and financialize mistake and would correct my credit report regarding my house payments. NOTE : I have never missed a house payment since i have been with Homebridge XXXX my amount on my invoice was going up to like XXXX dollars and no one would give me a reason why I put in at least 20 request to speak to a supervisor and was never contact by a supervisor so I paid XXXX for the months of XXXX, XXXX, XXXX, XXXX Now come XXXX and my invoice states that i owe XXXX dollars and im behind in payments XXXX the XXXX I agreed to pay them XXXX to resolved the issues. I paid XXXX on XXXX the XXXX and they sold my mortgage to XXXX and I and scheduled to pay them starting XXXX now my payments XXXXmonthly my credit is bad due to there mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX  XXXX  XXXX on XX/XX/XXXX to get a credit card and they denied me, didn't know why if I pay all my bills on time and make good money. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this 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 )
Product: Credit card

I have had a citi credit card for years. In XX/XX/XXXX I discovered fraudulent charges. I immediate notified citi and had my card closed anda new card issued. One place it was used fraudulently was XXXX. After I recieved my new card I saw XXXX bill me again and again the next month. I contacted citi and disputed the charges and was credited back. I was told closing my new card and getting a new one will not help. I ca n't get them to stop XXXX from billing me. I need help!
Product: Credit card or prepaid card

Account closed by company stating due to annual review and lo w credit score no   balance on card
Product: Checking or savings account

On XXXX of XXXX citi bank closed my account, and I have {$20000.00} on my checking Account that they were refuse give back to me, they said I need provide the document to explain where is this ACH transaction from, so I went to the bank on XX/XX/XXXX, I summit all the document that the citi need to the banker, and the banker help me call and email the document to the citi bank fraud department, and they told me they will send a check with the amount {$20000.00} within two months, so I call citi bank today, they said they did not receive any document and refuse to give back my remaining amount. it been about 6 months from them closed my account, and I still not get back my money!
Product: Student loan

I made my regular payment to the address specified by SoFi ( XXXX ). XXXX cashed my check and SoFi did not apply the payment to my account. The amount was {$660.00}. Now, I am out the money and SoFi is harassing me and telling me my account is delinquent. I have tried numerous times to get this resolved, but they are incompetent and can not tell me how they plan to fix this.
Product: Debt collection

I received an alert that a collections account had been added to my credit report by " IQ Data International " for " The XXXX. '' This debt is NOT VALID. There is no debt owed and they have violated both the FDCPA and Texas Property Code. 
FDCPA Violation 808. Unfair Practices Notice of Debt ; Contents 'IQ Data International Never sent a dunning letter. They are required to notify me of any alleged debt along with the contents of the alleged debt. This fraudulent debt being added to my credit report has also caused a FDCA violation for reporting of inaccurate information. 
Texas Property Code Violations Sec. 92.201. DISCLOSURE OF OWNERSHIP AND MANAGEMENT Failed to disclose information - Disclosure to a tenant under Subsection ( a ) must be made by giving the information in writing to the tenant on or before the seventh day after the day the landlord receives the tenant 's request for the information Sec. 92.202. LANDLORD FAILURE TO DISCLOSE INFORAMTION o A landlord is liable to a tenant according to this subchapter if : o ( 1 ) after the tenant or government official or employee makes a request for information under Section 92.201, the landlord does not provide the information ; and o ( 2 ) the landlord does not give the information to the tenant before the eighth day after the date the tenant, gives the landlord written notice that the tenant may exercise remedies under this subchapter if the landlord does not comply with the request by the tenant for the information within seven days. 
Sec. 91.001. NOTICE FOR TERMINATING CERTAIN TENANCIES o Law not followed after notice given Sec. 92.101 through 92.110 o Landlord Never mailed my security deposit or an itemized list of deductions. They had 30 days to mail this information from the date of me vacating the premises per Texas Property Code.

As per Sec. 91.001. NOTICE FOR TERMINATING CERTAIN TENANCIES. My notice included my move out date ( XX/XX/2021 ) and my forwarding address for my deposit and any final invoices. The XXXX never mailed a final invoice nor refund my deposit which is required under Sec. 92.103
Product: Debt collection

I used to use XXXX XXXX XXXX card. I stopped the card and asked, " Do I have any remaining balance that I can clear right now ''. I was replied " No sir ''. I want to close the account and plz make sure that is closed with " XXXX  balance '' I was replied, " Your account closed with XXXX balance ''. After quite some some, may be more than 6 months, XXXX XXXX XXXX  store in XXXX Alaska closed their store and then I started getting letter from mcmXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA-XXXX, phoneXXXX XXXX XXXX.

The quoted info : Original creditor : XXXX XXXX Original A/C : XXXX   mcm A/c : XXXX Current owner : XXXX XXXX XXXX current balance : {$640.00}
Product: Debt collection

I am writing in additional to filing a formal complaint regarding a HIPAA violation perpetrated by XXXX XXXX and Diversified Adjustment Service , Inc. with the Office of the Minnesota Attorney General. 

I recently discovered that a debt which originated from XXXX XXXX, was sold to Diversified Adjustment Service , Inc., a debt collection agency licensed in the state of Minnesota. Upon requesting validation of this debt, Diversified Adjustment Service , Inc. sent me a copy of a bill branded from XXXX XXXX, which openly displayed my name, address, account number, and alarmingly specific details about my medical health. In addition during this debt validity request, I was sent a second collection attempt within my 30 day protected window from collection attempts. * The bill that is now in the possession of a collection agency includes highly sensitive medical information, such as detailed diagnosis codes, the name of my provider, and a description of my care. A cursory XXXX search of the diagnostic codes listed reveals both of my medical conditions, and a search of my provider, who is a XXXX, also yields specific information about my medical history. This egregious breach of privacy has left me deeply concerned about the security of my personal health information**
Product: Debt collection

Contract callers is a collection agency trying to collect XXXX dollars for unpaid XXXX & XXXX bills. I explain to XXXX  & XXXX that I never opened an account in XXXX Ca. I have never lived there and I filed a report with the police but they sent it to collections any.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against cash app ( block , inc . ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent fraud on their platform leaving my account vulnerable and unprotected These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Also the dispute resolution system is unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation XXXX.
Product: Credit card

I APPLIED FOR ALLY CASH BACK VISA CREDIT CARD ON XX/XX/2016.THIS CARD ISSUED BY TD BANK NJ. THERE WAS PROMOTION FOR THIS CARD - {$100.00} BONUS AFTER {$500.00} PURCHASE IN FIRST 90 DAYS.I MADE PURCHASE MORE THAN {$500.00} IN FIRST 90 DAYS.BUT I DO NOT SEE THAT {$100.00} BONUS ON MY STATEMENT ISSUED BY THIS BANK ON XX/XX/2016.I DO NOT TRUST THIS BANK. I FULFILL ALL THE REQUIREMENT WITHIN TIME LIMIT. BUT THIS BANK DOES NOT WANT TO PAY ME BONUS. THE CUSTOMER SERVICE F BANK IN VERY POOR.THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER.
Product: Student loan

Naviant has repeatedly called my Family and associates, who are not co-signers on my loan after my both have asked them to cease and desist. 

They have also threatened my family and told them that I will be arrested if they sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX mi pulled my credit 3 times without my consent. This is not the first time that they did that to me. The finance officer requested my information to get the loan processed. I asked specificity to use my information one time only with Toyota financial and not to use it again. I received instantly three massages from XXXX that my credit was ran three times. 
Never again I will give XXXX XXXX the permission to pull my credit or do any types of business with them.
Product: Debt collection

I requested your assistances on a collection company filing a debt. 
That was off my credit report. 
However, the company just found a new collection company to seek the debt. 

Credence Reference XXXX On behalf of XXXX {$1100.00} This company wants me to dispute their offer or settle at {$640.00} I provided the stolen merchandise and reported to XXXX to blacklist the IMEI. 

This debt was cancelled. But continuously resurfaces. 

Please assist me as I've been dealing with this problem for two years. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Experian and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : 1. XXXX XXXX ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting

My email account was hacked. I have XXXX hard hit inquiries to XXXX XXXX and XXXX hard hit inquiries to XXXX. Does n't this seem odd to you? I already have XXXX XXXX XXXX credit cards. These transactions were not submitted by me.
Product: Checking or savings account

XX/XX/2018 Due to technical error at bank no direct deposits were issued causing fees for past due accounts. 

Called received an email acknowledging errors and told they had fixed the problem. 

XX/XX/2018 Direct deposit again not posted now due to another system error. Now the apartment is seeking eviction due to two late payments. Other services such as gas, electric and Cable also paid late fees and fines.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I initiated a funds transfer from my Bank of America Checking account to my XXXX checking account for the amount of {$1600.00}. Despite completing all security measures online, including logging in with my credentials, undergoing two-step verification, and establishing transfer access between my accounts, I encountered an unexpected hurdle. 

Immediately after submitting the transfer, I received a text message from Bank of America ( number XXXX ), instructing me to call XXXX to confirm the transaction. This requirement was not transparent during the online process, leaving me blindsided by an additional step that significantly impeded my ability to access my own funds. 

As of now, I have been on hold for an exasperating 1 hour and 34 minutes, with no end in sight. This prolonged wait time is not only unacceptable but also creates an undue burden, as I am unable to attend to other essential matters, such as paying my rent. 

Bank of America 's failure to disclose the necessity of a confirmation call and the excessively long wait time reflects a lack of transparency and disregard for customer convenience. Moreover, the imposition of this additional step appears to be an intentional tactic to hinder account holders from transferring funds out of their Bank of America accounts, thereby restricting their financial autonomy. 

I demand that Bank of America either provide clear upfront disclosure regarding the confirmation call requirement and its associated wait time or eliminate this unnecessary step altogether. My experience represents a systemic issue that undermines customer trust and limits access to essential banking services. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that Bank of America rectifies its practices to prioritize customer convenience and transparency in all banking transactions. 

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

i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XXXX  could not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between XXXX  and experian..this account has obviously been reaged another violation