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

XXXX has stated they " verified debt '' Please explain to me how you conducted your investigation! 

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 

Please respond accordingly,
Product: Checking or savings account

The following is the list of steps around this issue. 

Last winter ( XXXX XXXX ), I requested Wells Fargo to help me manage a checking account. It had a negative balance and I no longer had an Online Banking service and don't have a branch in my area so I asked them if I could deposit money to the account. They said they would not take any kind of payment on the phone so I had to open a new account. For some unknown reason, they said they had to to close the original account, transfer the money to a new account ( which they opened ) and set me up to use Online Banking. I then used Online Banking to make a payment to bring my balance to a XXXX balance. 

I called a few weeks later and then asked them to close the new account. They said they could not close it because it had not been opened long enough and I had to wait. 

I waited another month and called again. They said they would close the account. The account was never closed. 

I called again and they told me the same thing - the account had not been opened long enough and I still had to wait. 

I then received a statement in the mail with a {$10.00} service charge for having a XXXX   balance! I sent them a written letter the first week of XX/XX/XXXX stating that the service charge was a result of them not closing the account and asked again for the account to be closed. 

On XX/XX/XXXX, I received a letter from them saying they could not close the account because it had a {$10.00} balance. I am now writing them again to ask them to get rid of the service charge and close this account. 

Please note that they have performed many activities which do not seem to be legal : 1.  Opened up an unnecessary account for no valid reason 2. Would not allow the account to be closed 3. Charged a {$10.00} fee on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed there are several items on my credit report that do not belong to me. Ive contacted all three credit agencies asking for further information verified. I have not received any information.
Product: Credit reporting or other personal consumer reports

I am submitting this follow up complaint because I still believe there are some errors on my credit file. I would like Credit bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these inaccuracies persist on my credit report despite multiple requests for deletion. Additionally, I demand transparency regarding the steps being taken to address these issues and a clear timeline for their resolution. Federal law compels the 3 credit bureaus to respond within the proper time frame, yet they have yet to respond to my letters. They should remove the following late closed and charge off accounts completely from my credit file : XXXX XXXX XXXX  Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX Balance : {$810.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I wanted to make a partial prepayment today. They refused to allow a prepayment today even though on the truth of loan states prepayment at any time. I have to wait till next scheduled payment to prepay more. This will incur more interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial identity theft report and was filed on XX/XX/2019. Report number XXXX. XXXX XXXX reported those items but, has yet to remove the inquires that came with those fraudulent accounts. XXXX has removed everything. Equifax has yet to address the matter. The only update was a generic response, that they were investigating the matter and needed more time. 

Now after I filed the initial complaint and the items were removed by XXXX and XXXX. I have 3 new accounts that weren't showing on my credit report and wasn't included in the initial report, because of that fact. On XXXX of 2019 I had 3 accounts, that I have no knowledge of and they are as follows : XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX. I am at a lost for words, I have a Fraud Alert on my credit file and yet and still the bureaus are reporting these  fraudulent accounts to my credit file. Without as much as a phone call or email to ask me, the consumer if in fact these are my accounts or a part of the identity theft.
Product: Checking or savings account

on XX/XX/XXXX my account was put on a restriction I called numerous times they told me they had no information. The review team was investigating the problem. They told me they would have a supervisor call me with information that never happened. Ive called them from the XXXX to the XXXX. They then on the XXXX told me that my account is in foreclosure and give me no information and that the supervisor would call me today. I have money in the account they wont let me have my money and give me no information on whats going on. They wont give me a supervisor name. I spoke with a lady named XXXX in the security team was helpful, but didnt give me any information. The bank is called SoFi  bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I noticed that there are several inaccurate names, addresses, employers, and phone numbers listed in my credit profile. Immediately upon these findings I wrote EXPERIAN and asked that they removed the inaccurate names, addresses, and phone numbers, and employers. 

My first typed letter is dated XX/XX/2018 in which I enclosed a current copy of my drivers license, utility bill, and social security number. 
I listed all inaccurate addresses, phone numbers, names, and employers and asked that Experian delete them because as it is my right to have inaccurate information deleted. 

Experian replied to me via postal mail stating that they updated the information I requested to be deleted. They updated inaccurate information?! 
I have uploaded documents that shows where they updated the inaccurate information to more inaccurate information. 

After their response I called them and tired to resolve it over the phone but they stated they could not help me. 

My second typed letter dated XX/XX/2018, reiterating that they needed them to delete the inaccurate information from my credit report. I listed all inaccurate addresses, phone numbers, employers. 

Experian responded via posted mail, to an inaccurate address. I am not positive as to how the letter reached me. The letter stated that they were unable to honor my request because my letter was not legible. How can a typed letter not be legible? This is hurting my credit profile. I've read that Experian had a lawsuit brought against them for knowingly reporting false information. 

I expect for Experian to follow the law and remove the requested inaccurate information. I have sent a third letter out today, XX/XX/2018 again asking that they remove the inaccurate personal information from my credit profile. 

I have uploaded proof that EXPERIAN is not doing their best to be sure my credit profile is accurate. The fist letter will show that Experian wrote me at an inaccurate address. The address city and state in the header is inaccurate. I am not sure how I received the letter. My postal man is good and most have noticed the error. The second letter of proof will show that they updated inaccurate information to yet another inaccurate address. I have no clue where they get this information. 

I do not have any other current addresses and do not desire or authorize any other addresses to be reported or retained in my credit profile, if any please DELETE NOW or produce PROOF of your legitimate authority to retain or report without violating my rights. 
My address is XXXX XXXX XXXX, XXXX, Texas XXXX this should be the ONLY ADDRESS LISTED IN MY CREDIT PROFILE. I do not have any other names and aliases or nicknames. My Legal and only Name is XXXX XXXX No employers should be listed. 
Please deleted all addresses and names that are not XXXX XXXX AND NOT XXXX XXXX XXXX, XXXX, TX XXXX ALL PHONE NUMBERS SHOULD BE DELETED. 
I would like to ensure that only current, complete, and true information is in my credit profile.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 Cashapp held {$470.00} of my funds claiming to be investigating. They first said investigation would take an hour or so and now they are saying XXXX business days. They will not inform me of why they are holding my funds. It should be against the law to hold money that does not belong to them. 
Ive asked for them to just release my funds and close the account. They have neglected to do so. This is bad business! Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations please remove the attached doc 's
Product: Credit reporting or other personal consumer reports

In according to 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 *Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXAccount Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXAccount Name : XXXX  XXXX XXXX XXXX # XXXX I looked at my Experian credit report on XX/XX/year> and noticed somethings were inaccurate and incomplete. And according to the fair reporting act whenever a consumer reporting agency prepares a consumer report it shall follow resonable proceedures to assure maximum possible accuracy of the information concerning the information concerning individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) 15 U.S.C. 1681i ( 5 ) : Treatment of Inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall, based on the requirements of subsection ( e ), certify that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).

( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to the consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
Product: Debt collection

I contacted XXXX after undergoing XXXX about charges I did not authorize and also sent XXXX a copy of the police report. XXXX  fail to investigate and fail to do anything about this account and the unauthorized charges. As of today, XXXX has done nothing but ruined my credit report, have debt collectors harass me along with selling the account to junk buying debt collection companies. I contacted an attorney and will be filing a lawsuit against XXXX, XXXX and Credit Control for harassing me with a false account and monies I dont owe. I even asked XXXX for copies of signed receipts and signatures and check counters and still no information. XXXX allowed these unauthorized charges while I was in the hospital receiving XXXX. I will not stand for this at all. I am not sure why they are trying to settle with me on an account that I did not authorize charges. I would like to receive a copy of every receipt and signature for each and every transaction. I do not owe any money to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 usc 1681i ( 5 ) i waited 30 days and received my investigation and notice everything was still the same.

the consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or removed anything. the date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

which is violation.this is impacting me from moving forward to a new apartment for my family. 

I attach my previous credit report and my new credit report to show how XXXX, transunion and XXXX violated my Rights
Product: Debt collection

On Tuesday XX/XX/year> at approximately XXXX XXXX the XXXX XXXX XXXX XXXX Department came to my place of residence and gave me paperwork on behalf of XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Western Union makes it difficult to collect expired remittances Deliberately makes it difficult to collect on expired remittances.

They put obstacles so that customers get tired and desist the collection of small amount remittances.

These are the facts : 1- On XX/XX/XXXX my customer sent {$45.00} according to MTCN XXXX. 

2.- Due to the Covid-19 pandemic, I did not collect the remittance in a timely manner. 

3.- In XXXX I contacted Western Union where they informed me that the remittance had expired and that the sender should speak with the Western Union agent in XXXX to renew it. 

4.- The client informed me that he made several attempts and the agent always told him that the MTCN number did not appear in the system and therefore he could not do anything. 

5.- On XX/XX/XXXX, I called the Western Union support system and the automatic voice agent informed me that the money was available to be collected. 

6.- The same day I went to the XXXX Supermarket located in XXXX XXXX , XXXX, FL, which is a Western Union agent . The clerk informed me that the MTCN number did not appear in the system. 

7.- The same day, I spoke with XXXX in Western Union Customer Support and he told me that the sender should cancel the remittance and resend the money, of course paying the expenses again to Western Union . 

My point is the agents are not properly trained and give contradictory suggestions, in addition the system has bugs, for instance, the responses of the automatic voice agent contradict what the agents see in their systems. All this favors Western Union economically because customers give up collecting the amount of the remittance or have to do it again with the consequent money loss.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$300.00}
Product: Student loan

On XX/XX/year> I reached out other Sallie Mae in regards to my difficulty in making monthly payments. On both of my calls, the collections agents offered no solutions to my issues, explained that the only option I had moving forward was to make the minimum monthly payments or risk having negative information be sent to credit bureaus. I tried unsuccessfully to both agents that I simply am unable to afford the monthly payments, that the terms of the rate reduction plan I was recently enrolled in was barely affordable, that I would like to make some sort of payment, but both explained to me that there was nothing available. 

I also requested that my loans be placed on forbearance temporarily, but was told that that was not an option. 

I would like to make some sort of payments to Sallie Mae to honor my obligation, but if they are unable or unwilling to work with me on this matter I don't know what else to do.
Product: Debt collection

In XXXX 2017, I mailed XXXX XXXX in XXXX FL for debt validation, but instead company never sent information regarding debt that was requested in validation letter but I get a notification from XXXX that they refreshed debt saying the debt was opened in XXXX 2017 which is false.I disputed this collection all of 2017 but no response from the company.It was deleted by the major credit bureaus before but company re added debt but changed the opened date on the account to reage debt which is illegal
Product: Credit reporting or other personal consumer reports

I never gave anyone permission to access my credit report to put hard inquiries or collections on it.. I never gave anyone permission to run my credit either I need all things mentioned in my identity report to be removed immediately all inquiries and collections from XXXX Equifax XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Ace ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/19, I tried to pay a bill with Western Union Online which stated the company I needed to pay is one of their Billers. Due to another payment via Western Union issue XX/XX/19, I decided to check with customer service to make sure will this payment go to the correct company. Although the company was their website as one of their Pay Bills Company 's, there isn't a relationship with Western Union and the company. Instead of correcting their website, the incorrect information is left for the next customer to attempt a payment. I spoke to a representative that said XXXX XXXX XXXX isn't their system so I would not be able to make a payment. I asked for a supervisor and the representative transferred the call without telling them about the call so I had to explain all over again. This makes the phone very frustrating and aggravates the situation. The supervisor checked the company 's name and found them but needed to transfer me again. I do not understand why she was transferring so you've wasted unnecessarily been on the phone over 20 mins. Then the supervisor disconnected the called while I wait to be transferred to an unknown phone and unknown reason for transfer. 
The problem has been their online pay bill feature shows the company but they no longer have them as Pay Bills Company 's. When this happens the funds goes to the wrong company and the customer is made to wait to get the money back. This creates a late payment for the customer and accrues late fees and possibly a derogatory item on their credit. 
I called the Corporate Office and spoke to XXXX which listened and I insisted she confirm the company would receive my payment. XXXX wanted to transfer me back to the same area that disconnected the call. I told all that was needed is confirmation the payment would go to the right company this time. Their website and the procedure and company are different and cause major financial issues for the customers.
Product: Debt collection

I am not sure what this debt is for and was not informed about this debt.