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

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

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. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 

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

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

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Debt or credit management

On XX/XX/2024 called American Express Serve about a payment deposited to account. Haven't used account in over a year and no longer have card. Was told my SSN # was incorrect and was offended no recourse to fix problem. My account is lock on their app and if XXXX is money there no way to check or retrieve.
Product: Money transfer, virtual currency, or money service

I sent {$130000.00} to Wise.com via Wire transfer on XX/XX/XXXX at XXXX XXXX time. The funds were delivered to Wise.com on XX/XX/XXXX at XXXX XXXX. This was meant to be an international transfer used for an emergency medical purposes. I chose Wise.com for their promise to deliver on XX/XX/XXXX itself. The funds were not delivered on XX/XX/XXXX, so I called on XX/XX/XXXX, and XXXX XXXX the agent I talked to ) told me there has been a hold up at the partner bank in XXXX and the funds should be delivered in a day or two. So I called again on XX/XX/XXXX, and talked to XXXX, who said the same. I called again on XX/XX/XXXX and talked to XXXX, this time he promised the fees of {$700.00} to be refunded due to the delay. But promised the funds will be delivered on Friday XX/XX/XXXX or Monday XX/XX/XXXX. Over the weekend, I got a call from XXXX also promising the same. I called again on Monday XX/XX/XXXX, spoke to XXXX, and heard that XXXX bank rejected payment. And again on XX/XX/XXXX I called and the lady promised no specific date when the funds will be delivered or refunded to me. 

After XX/XX/XXXX, even their tracker in app and website stopped showing updates.
Product: Credit card or prepaid card

I had auto-pay turned on on my account and Chase at some point turned it off. I spoke with a manager and they said they can not tell me when they turned it off. This caused a late payment in XX/XX/2020 because I was relying on auto-pay to pay the bill on time. After speaking with a manager today he hung up on me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing in response to the reinvestigation of the dispute I submitted on my credit report, case/reference number XXXX ( Confirmation Number XXXX ). Upon reviewing the outcome of the reinvestigation, I believe it was conducted improperly and does not reflect accurate or thorough consideration of the dispute. 
The reinvestigation failed to verify the accuracy of the account in question with the creditor. 
No direct follow-up or verification with the creditor or the reporting entity was made, which is required under the Fair Credit Reporting Act ( FCRA ). 
The findings of the reinvestigation were not based on factual or correct information. 
As you know, the Fair Credit Reporting Act ( FCRA ) requires that a dispute be fully investigated, and the information reported on my credit report must be accurate. I respectfully request that you reopen the dispute and conduct a more thorough investigation into this matter, ensuring that all necessary documentation and facts are fully reviewed. 
Please confirm receipt of this request and let me know what steps will be taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to a timely and accurate resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX, XXXX, I received a notice from Phoenix Financial Services that I had an account with XXXX XXXX XXXX of FL in collections for {$65.00}. XX/XX/XXXX, I had paid my bill to XXXX XXXX XXXX. The company subsequently refunded the payment I made, as my insurance had covered the {$65.00} bill. 

I contacted Phoenix Financial Services with the telephone number on the letter I got int he mail. I explained to them the situation. I had both receipts from the payment and the refund. I asked them if there was a way to submit this paperwork. The representative gave me an email address and reference number to send the paperwork to them. I did, and waited a number of weeks to hear back from them. I had not heard anything. I called them a second time, and they claimed that they received my documents but now they had to contact the original creditor. I thought that was reasonable. A few weeks later, I called again. They claimed that they still had not been able to contact the original company. 

A few weeks ago, I called back again. They informed me a second time that they have not been able to contact the original company. I explained that this account was negatively affecting my otherwise clean credit report. It is an inconvenience, as this situation could not be handled in any sort of swift manner. The representative assured me that since it is being disputed, it would be off my credit report. 

I called back XX/XX/XXXX, as I saw the collections was still on all three of my credit reports. The representative told me it was because they usually update once a month, and I should see that they are not there within a few days because it had not been exactly a month since they deleted the information off of my credit report. 

I checked my credit report last week, and the collections are still there. I do not believe that Phoenix Financial Services has contacted the credit bureaus or the original company on my behalf, despite claiming that they are looking into my dispute. 

I 've called Phoenix Financial Services numerous times, and they are not able to make any progress with my dispute. It does not seem like they 've made any effort to even explore the validity of my dispute. I have done everything correctly and everything that they requested for me to do on my end. However, whenever I call them, it seems to me that I get a different excuse from the representative on the line.
Product: Debt collection

today XX/XX/2022 I got an email from PayPal that says : " Hello PayPal user ( which I am NOT ) - Here 's you invoice Billing Department of PayPal sent you an invoice fore {$800.00} USD Buy now : Pay over time Seller note to customer " Your PayPal account ( which I am not aware that I have an account ) has apparently been illegally accessed, according to the evidence. Your account has been charged {$800.00} for the XXXX eGiftCard purchase ( which I don't have ) this transaction will show up in the automatically debited amount on Payment activity. Contact us right away at the toll-free number XXXX XXXX or go to the PayPal Support Center for help if you believe you di not make this transaction. PayPal " At this time, I did not respond to PayPal as I think this is a scam?
Product: Student loan

I have XXXX private loans through Navient. In total I owe {$90000.00}. My interest rates are 9.25 %, 10.25 %, 11.125 %, and 11.13 %. The cost of each loan combined a month is {$850.00}. I've completed multiple financial statements with Navient to prove I can not afford the monthly payments, I have not been able to get it reduced. I make {$60000.00} a year with getting paid {$1300.00} biweekly.
Product: Mortgage

I have had a HELOC with Band of America since XXXX. I have paid the installment on this loan upon until XX/XX/XXXX since I was laid off from my job. I requested a forbearance or 3 months. Then when I still didn't find a job I requested an extension while I am trying to sell the house. I was given the extension. Meanwhile I sold the house and will payoff the loan at close of escrow on XX/XX/XXXX. When I requested the payoff quote, I was told my loan is in foreclosure as of XX/XX/XXXXXXXX  and I was charged an additional XXXX for foreclosure lawyer. At any point I was not tole that my loan is going to be foreclosed and I had discussed the sale of my house and paying the loan off and the extension would be safe for me. I am .disputing the fee and having my loan in disclosure. BofA is not doing an honest business and even when a consumer does every effort to pay off the debt despite of the financial hardship they foreclosed and charged me additional fees.
Product: Debt collection

Representatives of plaintiff has not disclosed actual amounts owed which has not been on previous statements. It lists general number. It does not included homeowner 's insurance that was bought by plaintiff and is added to total debt. Defendant or owner has own insurance which plaintiff 's representatives did not take out. New totals should be recalculated. Also, bank refused to give loan modification and lost all information during such. Multiple copies have been sent and also lost by Wells Fargo.
Product: Debt collection

This debt was paid in full on XX/XX/year>. I am not sure that this is even a legitimate debt, regardless it's been paid. The company is still sending me notices to pay and calling and emailing me. I do have a bank statement to show it's paid.
Product: Student loan

I called AidVantage in XX/XX/2022 to get an alternative repayment plan as I was on the income driven plan prior to COVID. Their customer service set me up on a plan with an amount I could afford in that phone call. I have now received notification in which I have been approved fora an Income Driven plan at almost 3 times the monthly amount, which I can not afford! And it states that my repayment begins in XX/XX/2022 and does not refer to the current government deferment until XX/XX/2022. I will not be paying my student loans until I get accurate clarification on this and they honor the plan I set up with them in XX/XX/2022. I am doing my due diligence and I feel they are playing a game. I have emailed them and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus are reporting this account as debt still being owed. This account was promised to be removed from my credit BUT HAS UPDATED TO 50 % PAID. I SETTLED THIS ACCOUNT WITH XXXX  XXXX AND IT WAS PROMISED TO BE REMOVED. SEE DOCUMENT ATTACHED. THE LAST UPDATE SHOWS I PAID THE XXXX AND XXXX IS STILL OWED. THIS IS INACCURATE
Product: Debt collection

On XX/XX/XXXX I rented an apartment at XXXX XXXX who is under the management of XXXX XXXX XXXX. Well XXXX XXXX the country went through a nation wide pandemic where everyone was felling the effects. Well XXXX XXXX had a process if your rent was not paid by the XXXX of the month you would receive an eviction notice. Well I did receive a few but I always came up with the money and paid. XXXX XXXX of XXXX it became to much so on XX/XX/XXXX I gave notice that I was moving and on XX/XX/XXXX I moved out leaving apartment clean, turned in keys and spoke to the manager who told me everything was good. I then received a bill from them in the amount of {$1400.00}. Its said it was for rent which was {$850.00} plus a {$550.00} deposit default fee after they took my {$550.00} deposit which was only right that they did. Well I wasnt paying that because no where in my lease did it have a deposit default fee. The I.Q.data acquired this debt snd they told me that I had a check that was returned. Well I have been with the same bank and never have I had checks associated with this account. The person I spoke with called we a lie and that ended all communication. I dont feel this debt is legitimate snd should not be on my credit report. It was during a time where all evictions where to be delayed but I have searched court records s and there is none for me in city or state debase for XXXX of XXXX.
Product: Checking or savings account

I had my money from unemployment and they allowed someone to spend 8000 out f my account there were reoccurring charges coming out which they where told they were not mine but they continued to take them out I filed a dispute for every charge then was told the charges were valid cause it was name and my up they stole my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXDEPT OF ED XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several dispute, one in XX/XX/XXXXand the other in XX/XX/XXXX for several different amounts of debt owed that was paid down, I have worked very hard to pay these account down and some PAID IN FULL The account that is in collections from a medical bill, XXXX XXXX XXXX XXXX those bill has been paid in full, my XXXX BILL also. Many of my cards have been paid with no late payments for at least 6 months. Also new cards to increase credit as suggested by XXXX XXXX/XXXX  and my loan officer. One other credit bureau I have seen my score increased because of making payments and new cards added to my account to increase my credit  score. I am working very card. I just want TRANSUNION credit score please need to reflect my efforts by increasing my credit score. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian via certified mail my first letter datedXX/XX/2023. I stated to them that I checked my consumer report and found inquiries that I did not authorize on my report. I stated the following in my letter : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

After no response I sent my 2nd letter dated XX/XX/ via certified mail, which they signed for XX/XX/2023 I again reported the unauthorized and fraudulent credit inquiries and requested they delete them. I also attached my DL, SS card and proof of residence to provide proof of my identity. After 60 days they neither marked the accounts as disputed or sent a reply to the residence that I provided. This is in direct violation of federal and state law as I, the consumer am legally allowed to dispute all errors on my consumer report and they have failed to investigate or respond to my certified letters as required by law.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : Collection account Account Number : XXXX
Product: Credit card or prepaid card

I live and bank in XXXX XXXXXXXX XXXX 
On XX/XX/2022, at XXXX pm XXXX, I received a Bank of America debit card in the mail from the Employment Development Office with a statement that {$1000.00} had been deposited into my account. 
At XXXX am on XX/XX/2022 XXXX, I tried to activate my card only to discover that someone had hacked my account and transferred the money to a routing number somewhere XXXX XXXX 
On XX/XX/2022, after endless back and forth with Bank of America and EDD, I filed a fraud claim with Bank of America, Claim # XXXX. 
On XX/XX/2022, Bank of America denied the claim, stating that no error had occurred. 
On XX/XX/2022, I called Bank of America to dispute my claim and was told that my claim was rejected because I had not filed a police report with my claim. That morning, I filed a police report in XXXX XXXX, XXXX where I live ; and I faxed the request for reconsideration to Bank of America. 
On XX/XX/2022, I received a letter from Bank of America stating that they concluded that their original decision had been correct. 

The reason I am filing this complain is because Bank of America is not taking responsibility for losing my money. How could I have possibly accessed that money if my card had yet not been activated? Why did they put me through the unnecessary time and expense of getting a police report? 

Furthermore, when I spoke to the Fraud Department at EDD, they told me that this was a common problem with Bank of America in the XXXX XXXX XXXX XXXX. 
Evidently, Bank of America has a history of this kind of mistake and were admonished by a judge that they were making the claim efforts against them onerously difficult.
Product: Credit card or prepaid card

i moved across the country and we lost all our id and papers a few years back and now getting lives back in order. we put in a change of address and did not recieve a bill or call
Product: Credit reporting or other personal consumer reports

Someone took out a loan or credit card in my name. XXXX XXXX XXXX  has the collection notice for that loan or credit card. I have called them and they sent paperwork to dispute this Account. But have not taken it off my credit report. The loan or credit card is for over {$800.00}. This is not my loan or credit card. 
Social security number has been used in many different fraudulent cases.
Product: Debt collection

Portfolio recovery and Associates currently reports misleading, and multiple inaccurate information on my consumer credit reports. 

Accounts : Original Creditor : XXXX XXXX XXXX XXXX  reporting with multiple inaccuracies. Company did not validate debt accordance to FDCPA section 809b a violation. 

Account : Original Creditor : XXXX XXXX  XXXX ; Account can not be completely validated as required under federal law.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports