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

XX/XX/year> XX/XX/year> XX/XX/year> I sent several goodwill adjustment letters for late payment removals. 
Dear, CAPITOL ONE BANK I am writing to inform you about Section 602 of the Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681. This section addresses the permissible purposes for which consumer reporting agencies may furnish consumer reports.

Under Section 602, consumer reporting agencies are only allowed to provide consumer reports to entities that have a legitimate business need for the information. These permissible purposes include evaluating a consumer 's creditworthiness, making decisions regarding credit or insurance applications, and conducting employment background checks.

In addition, I would like to draw your attention to Section 605b of the Fair Credit Reporting Act, which requires consumer reporting agencies to provide consumers with a summary of their rights under the law. This summary must be included with any adverse action notice or when a consumer requests their credit report.

If you have any questions or concerns about how your credit information is being accessed or used under Section 602 or Section 605b of the Fair Credit Reporting Act, please feel free to contact me for further assistance. 

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

XXXX - Inquries are not mine. No knowledge. 
XXXX XXXX XXXX, XXXX XXXX XXXX, Citibank, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This process and request were taken care of by me and there is no third party involved. It's been a long time of processing and making follow-ups to EQUIFAX and the CREDITORS with regards to my request of getting the items in question to be removed from my Credit Reports . However, I have neither heard anything from both of them nor received any kind of response. Thus, concluding me to reach out to you to ask for some assistance and help. EQUIFAX hasn't complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that they should provide any documents and respond to the complainant within the given period of time allowed by the law. Otherwise, failure to comply with these should result in the removal of the items in question. Below are the inquiries I am not connected to.

1. XXXX-Date of Inquiry XX/XX/XXXX 2. XXXX-Date of Inquiry XX/XX/XXXX 3. XXXX-Date of Inquiry XX/XX/XXXX 4. XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX 5. XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Someone tried to open a card in my name with Bank of America. Thankfully it was denied. However, now theres a blemish on my credit report, and who knows what else someone may be trying to open with my name or social, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you haventnotated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote requesting an investigation into ( XXXX XXXX account number XXXX ) as of XX/XX/XXXX. I have not received a response from the credit bureaus, Equifax, XXXX, or XXXX. I believe there was INACCURATE reporting of the account XXXX. I have not received a reply or any acknowledgment that an investigation has begun. The credit bureaus are not in compliance with their own policy of 30 days. 

Equifax, XXXX and XXXX reporting account XXXX as late payments for 90 days for the month of XX/XX/XXXX, with paid as agreed in the previous months XXXX and XX/XX/XXXX, and the current months showing XXXX and XX/XX/XXXX, no data. The account XXXX on the myfedloan.gov website in the account XXXX show no late payments or delinquent or default for account XXXX in the history. I have attached copies for the account XXXX. as proof of inaccuracy.
Product: Credit card or prepaid card

I was a victim of fraud, someone used my credit card in the state of Texas, while I worked in the state of Florida, I reported the fraud and the bank does not want to recognize me. the bank wants me to contact each store where my card was fraudulently used. When I have Fraud protection liability. 
My case # XXXX Card number ending : XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

On XXXX/XXXX/15 at XXXX PASI ( XXXX ), a medical debt collection agency called me. It was my debt and I have paid it off. The problem lies in the fact that when I was contacted the first time, the lady said that if I did not pay in 10 days, the debt would hit my credit and they would garnish my paycheck. I called back the next day and verified that they were a collection agency and not the billing department of the hospital that I went to. Upon verification that they were indeed a collection agency, I informed them that I knew my right under federal law and that they were not allowed to report the debt or garnish my wages at this point in time without taking me to court. This is when I was informed that they would give me 30 days to pay instead of the 10 days originally quoted. Now, it was my debt, i legitimately owed it and I have since paid it. However I do not appreciate the unnecessary threats.
Product: Money transfer, virtual currency, or money service

PayPal close my account for no reason and I believe this a a mistake so heres what happen. 
I just gave my customer a refund as the payment did not go through as the money wasn't showing up on my PayPal account.. so i contacted my customer saying that you know the transfer didn't go through so please cancel the payment and send me another one.. and then after I received a email from PayPal saying that my account has been permanently limited and i am a XXXX XXXX XXXX that is selling toys. My paypal email is XXXX XXXX
Product: Checking or savings account

I opened up a bank account a few months back with Huntington bank. I then got into buy sell and trade to make some extra money in this XXXX economy. Of course with using that account with buy sell trade when doing it strictly online there may be some problems you need to address. I have filed some disputes, I won some cases and I lost some cases and my last XXXX paychecks have been deposited into my account and these disputes had never led me account to go negative. I had talked to a customer service rep about cancelling disputes and he told me on the phone that it would just be smart to let the cases ride out and then if Im at fault the provisional credits would just be taken back easy as that. Not in my case, I tried to withdraw some money last week to pay rent to find out my account had a hold on it and there holding last weeks pay and this weeks pay XXXX and claim my account will be closed on the XXXX of XXXX. I had gotten no phone call, no piece of mail, nothing stating that my account was subject to be closed. I have bills that need to be paid very badly and I have XXXX dollars in that account which is everything I have to my name. I need that money and I need it badly.
Product: Credit reporting or other personal consumer reports

Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) by unlawfully re-inserting a previously deleted negative item on my credit report without notifying me and without providing the legally required reinvestigation findings or supporting documentation. 

Details of the Violation : I disputed a negative account with XXXX XXXX XXXX, and as a result, the credit bureaus deleted the item from my consumer report. 
Without proper justification or documentation, the account was later re-inserted onto my credit report without my consent or any written notice within five ( 5 ) business days, as required by law.

Upon requesting proof of the reinvestigation findings, neither XXXX XXXX XXXX nor the credit bureaus have provided any valid explanation, supporting documentation, or proof of a new or corrected debt. 
The failure to provide proof of reinvestigation and supporting documentation violates my consumer rights under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), which mandates that I be informed and furnished with any evidence used to support the reinsertion. 
Legal Violations Committed by XXXX XXXX XXXX : Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Failure to provide written notice and supporting documentation for reinsertion of a deleted account.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) False and misleading representation of an alleged debt.

Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) Failure to conduct a proper reinvestigation of disputed information.

Consumer Financial Protection Act ( 12 U.S.C. 5531 ) Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ).
Product: Credit reporting or other personal consumer reports

I have tried multiple times to get a copy of credit report from all three bureaus by letter and over then phone. Bureaus continue to say that report will arrive within XXXX business days and nothing comes in. I continue getting stall letters in the mail stating that bureaus are needing verification of identity. I have submitted copy of consular card, ITIN number and energy bill to verify address and identity. I have verified identity with these documents and they are not providing credit report. I have the right to a free copy of credit report by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/ SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.
Product: Checking or savings account

On XX/XX/2022 I applied for a Capital One checking account but was denied with no explanation. I called Capital One and was told the account opening was denied by XXXX XXXX, a credit reporting agency. When I called XXXX XXXX they also could not tell me why the account was denied. All they could do was provide me a copy of my credit report which I declined. I have an excellent credit rating but I have a fraud alert on my credit the purpose of which is to alert me when anyone tries to open an account in my name. I never received a call from anyone, just the outright denial. That is not supposed to happen and defeats the purpose of the fraud alert. Other times I have tried opening accounts with other banks and was unable to do so but was never outright denied. I can think of no other reason why this account would be denied. XXXX XXXX should not have issued a denial to Capital One. They should have called me. They made a mistake and need to fix it as soon as possible. Additionally, in the denial statement on Capital One 's application page, I was told I would receive a follow up contact detailing the denial. It is 6 days later since the denial and I have received no contact from anyone.
Product: Credit card or prepaid card

AMEX account XXXX This scam ruined our lives. After this much time dealing with the fallout including severe XXXX, I am able to see things more rationally. 

I am a professional with a family. I am XXXX XXXX XXXX. I am not stupid enough to walk into places like this and hand over a credit card to them, I am well aware of unscrupulous places like this. 

This was a failure of AMEX security measures and a willingness of this company to do business with criminals. 

These charges are fraud and AMEX has done absolutely nothing to protect their cardholder and has paid off organized crime. 

Period.
Product: Debt collection

Date - XX/XX/2020 Amount - {$650.00} Midland Credit Management Has Not Provided Me With Documentation To Proof That The Collection On My Credit Report Was Verifiable. No Signature On File No Nothing.
Product: Debt collection

Previously reported Amsher Collections and XXXX for potential violations of the Fair Credit Reporting Act. I now have 2 unsolicited credit inquiries on my credit in addition to the negative information filed against my credit in violation of the Fair Credit Reporting Act. 

AMSHER : I will not call you- I refuse to voluntarily subject myself to your abusive language, threats and time-wasting tactics. 

Please provide a written letter stating that this information and all inquiries will be removed from my credit within 5 business days of receipt of funds. Your posting a bill that was never sent is not sufficient. Your Word document is also not sufficient. 

Your further delay tactics are noted and unappreciated. Since my last report, more of my information had been sold on the dark web relating to this account. These tactics are illegal and unethical, and will continue to be reported here and elsewhere.
Product: Credit reporting or other personal consumer reports

Letter sent XX/XX/year> for no permissible purpose for the below FOURSIGHT CA XX/XX/year> XXXX FOURSIGHT CA XX/XX/year> XXXX This company reported info to a non affiliated third party without my permission, nor did they verify with me for permission or give me the option to OPT OUT from consumer reporting prior to the information being reported Under 15 USC 6802 Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I canceled my car and homeowners insurance from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
I keep on getting a bill from credit collection company saying I owe XXXX XXXX. I have sent them the declaration page from my new insurance. The collection company is selling a final notice. For money I dont owe them. I disputed bridge over insurance XXXX didnt cancel my policy till XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX  XXXX Account Number:XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

A XXXX XXXX called me to say that he was a dispatcher with XXXX and was trying to schedule a time to have me sign some documents. Said the documents came across his desk as marked " urgent '' and " requires recipient signature. '' Also stated it would be out for delivery at XXXX to my home address. I was there, no one ever showed. Called again the next day, stating this was the final attempt and that " redelivery would be shortly after XXXX at the jobsite listed, and that this would be the final attempt before he or his representation would need to pick this up. '' Left me another message at work stating that I was n't there when they tried to drop off documents and that I needed to set up a time where I and my HR director needed to sign documents. I needed to call the office at XXXX ( Will add an alert on this number as well ). After doing a bit of research ( not my first rodeo with XXXX like this ... ), I found the number of XXXX to be identical information to my experience. I called both numbers and got a similar " call center '' type of background noise on both. Phone answered by a XXXX XXXX XXXX, and a XXXX XXXX. I was transferred by XXXX XXXX to a XXXX XXXX who told me that I had paperwork out for delivery. I asked for the company name, and she told me Black Rock Mitigation. I asked for an address, and she told me that it was useless to send anything because they do not answer their mail ( certified letter in the mail for debt validation mailed today to cover my bases ). She gave me an address of XXXX XXXX XXXX, XXXX, NY XXXX. I also looked up Black Rock Mitigations LLC and found an address of XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX. XXXX images looks like this is an shady warehouse/office space. I asked XXXX XXXX if they were a debt collector, and she told me that they basically just finalize matters and send information, that there was a civil matter filed and they were putting me on notice. Would not commit to being a debt collector. Did not try to collect on a debt, but referred to a bogus debt of {$3500.00} saying there was a civil suit filed ( none has been filed, as I checked with the XXXX today ). These people are a scam.
Product: Credit card or prepaid card

I was informed that a USBank Reliacard was issued to me XX/XX/XXXX, even though I did not request one, nor was I interested in receiving one, but was forced by DC DOES ( unemployment ) to have my payment made on a Debit Card. 

On XX/XX/XXXX I had still not received my Debit Card and I contacted USBank, an agent told me they could expedite me a new card, and we decided it was best I use a different address in DC that has a better record of not losing my mail. I was told it would take up to 5 business days for my address to change in the USBank system. 

On XX/XX/XXXX I called USBank to see if my address had changed, it had, and I requested a replacement card as my initial card was lost in the mail. USBank XXXX and her supervisor XXXX told me that I could only receive a replacement card if I paid a fee of {$5.00} further I was told the only way I could access my funds for a VISA transfer is if I paid {$5.00} for a card with my name on it. I was told this would take another 10-14 days. I asked about the previous agents offer to expedite the card and was told that I must pay for it. 

USBank in essence is telling customers that it the customer 's responsibility to make sure they receive the card and if the card is lost in the mail ( or even not mailed by USBank ) that the customer must pay a fee to receive the new card. 

USBank has been holding onto {$6600.00} of my money for 6 weeks, I have escalated this to their executive office where I received a cut and paste response saying someone would get back to me within 15 calendar days. 

These debit cards are a way for banks to attempt to create additional wealth by charging fees, taking weeks to send the cards and then requiring additional fees to get the cards that may never have been sent.

I waited 4 weeks before reporting the card was lost and still USBank placed the blame on me for not receiving the card. 

Banks should not be allowed to issue Government payment cards if they can not guarantee they will get them to the consumer in a timely manner.
Product: Student loan

I took out a loan for XXXX semesters for student housing at the College XXXX. ( Original Creditor ) Since I transferred to a different school my XXXX semester they are stating that I owe money from the loan that was taken out. They sent that bill to a collection agency who wont provide me any proof of this balance. This balance gave me a hold on my transcripts which means I can not further my education without this token care of.
Product: Mortgage

I am filing a complaint against  Quicken Lo ans. They have fraudulently sold me a home appraisal that I was not able to use. My wife and I were in the process of purchasing a home :  XXXX   XXXX   XXXX  in  XXXX , Ga  XXXX .  XXXX  of the last few things before closing on this house that we had to do was get an inspection, appraisal, and close. The inspection was completed on Friday   XXXX   XXXX   XXXX    , and the appraisal paperwork was signed and sent over on Monday morning,   XXXX   XXXX   XXXX    .     The cost of the appraisal that  Quicken  Loans charged my card was in the amount of {$480.00}. These funds were taken out of my checking account on   XXXX   XXXX   XXXX   and I have attached a photo of this transaction. Unbeknownst to my wife and I, our lender, realtor, and even the sellers realtor, the appraisal we received was an appraisal that was conducted by the home sellers for refinancing on their property. My wife and I have an FHA loan, and with an FHA loan, the appraisal that was conducted on the property sticks with the property for six months.     Basically,  Quicken  Loans sold me an appraisal that I can not use, because it was ordered by the seller. Sellers can not order their own appraisal and then have others use that appraisal on the property. My lender contacted Quicken on my behalf, and spoke with them ad nauseam about how this is not right, and outright illegal. At the request of my lender and realtor, I am filing this complaint. What it boils down to is that my wife and I paid for the sellers to get a free appraisal, and not only this, but I was told that the sellers were being refunded their money for the appraisal and not me! So not only do I get sold a product that I can not use, ( appraisal ), but I am forced to pay for something that I can not use and I am not being refunded my money? This is highly illegal and fraudulent, and  Quicken  Loans is already in the news and courtroom for a federal law suit against them for fraud.     I spoke with  XXXX   XXXX  from Quicken Loans on  XXXX   XXXX ,   XXXX   and explained to him my concerns, and that I wanted to receive my money back, since what they did was fraudulently sell me a product that I can not use.  XXXX  stated, Improper steps were taken in the transferring over of the appraisal. I told Mr.  XXXX  that I wanted my money refunded immediately, and he stated, We will have to conduct an investigation. Basically Mr.  XXXX  balked at everything I had to say, and didnt care what I had to say or offer, and most of the call I was talking over him. Quicken Loans illegally sold me a product that I can not use, and is refusing to refund me my money. If this matter is not resolved quickly, I will be forced to seek counsel to litigate and sue for punitive damages on top of the money that I am out of pocket. I have already disputed this charge with my bank, and I will take this matter as far as necessary in order to be made whole. Quicken can not, nor will they, get away with this. I will be contacting the news media, and going to social media about this injustice and their fraudulent practices and how they conduct business.