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

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.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint against MoneyLion regarding inaccurate and misleading reporting on my credit file for the following account.

MoneyLion Account XXXX XXXX This account is marked as paid in full, yet it is still being reported as a charge-off. If the account was paid in full, then it should not be listed as a charge-off, as this is misleading and inaccurately portrays my credit history. 

A charge-off means a debt has been written off as a loss, whereas a paid-in-full account indicates that the obligation was satisfied. Reporting both statuses simultaneously is contradictory and violates the Fair Credit Reporting Act, which mandates that all information reported be accurate, complete, and not misleading. 

This misrepresentation negatively impacts my creditworthiness and may cause harm when applying for financial opportunities.

Requested Resolution : I am requesting that MoneyLion immediately correct this inaccuracy and remove the charge-off notation from my credit report. Since the account is marked as paid in full, it should be updated accordingly or removed entirely from my report. 

I have attached my credit report as evidence of these reporting errors. Please address and resolve this matter promptly. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted an investigation into my credit report, which, unfortunately, caused me significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items. It appears that your agency has failed to ensure the 100 % accuracy of the information reported.

Under the Fair Credit Reporting Act ( FCRA ), it is mandated that all information on my credit report be reported with complete accuracy. However, the accounts in question, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), seem to be in violation of this requirement.

I am attaching copies of all letters sent regarding these discrepancies for your review. It is imperative that these errors are promptly rectified to ensure compliance with FCRA standards and to alleviate the negative impact on my credit standing.

Thank you for your attention to this matter, and I trust that you will take the necessary steps to address these issues in a timely and accurate manner.
Product: Mortgage

On Monday XX/XX/XXXX I received a mortgage delinquency letter from Essex mortgage. I called them and tried to get options to catch up on my mortgage or delay payments. 

The letter stated I needed to pay {$2800.00} plus late fees to avoid foreclosure by XX/XX/XXXX or call for assistance/options. I called and did a over the phone interview for options and the only options available were covid 19 assistance due to covid being one of the impacts of me not being able to make my payments. The representative on the phone said they no longer offer those options even though I qualified. I was advised he would send a loss mitigation application so that I can apply for other options. I never received and the website he provided for me to upload electronically for faster processing states that I am not eligible due to my current loan status. My payments are behind for XXXX and XXXX. 

I also asked if the late payment reporting on my credit can be removed solve it is the first one and was told I have to dispute it because they cant remove it but I still havent got that information on how to do so. I am needed help with getting my account back on track and possible payment deferrals, lower monthly payments or payment plan but the company hasnt been very helpful and my date is nearing for XX/XX/XXXX. I would like to keep my home and get back on track but they arent helping me so that instead I get debt collection calls from their company every second of the day threatening me and being very rude after Ive tried reaching out and sharing my financial difficulty. From what I read on FHA covid assistance is that its still available but I was denied and havent received any other Assistance timely to help my situation. The first day I got the letter I called.
Product: Credit card

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX XXXX, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Product: Mortgage

We were trying to get a lower interest rate. The bank should have offered us a refinance loan, instead of a modification loan. Our credit was not bad. It ended up costing us an extra 10 years at the same interest rate of 5.99 % plus {$7000.00} in closing coast.
Product: Vehicle loan or lease

I am filing a complaint against CREDIT ACCEPTANCE, due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CREDIT ACCEPTANCE failed to take timely and effective measures to prevent and address fraud on their at their place of business, causing me financial harm economical despair and financial hardship : leaving my account vulnerable and unprotected furthermore closing my account and blocking me from continued use of my credit and its ability to be utilized in its Commercial Compacity while utillizing said benefits for their own nefarious purposes for various amounts and transactions. Their dispute resolution process was unfair and offered limited to no customer support which is deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E!. These actions have caused significant Financial harm, Commercial Liability, Unrepairable Time Lose Theft of Banking Instruments Appropriated and addressed to me ; and the ability to work with other Financial Institution 's has been limited and or cut off causing irreparable damage and deprivation of Character in its Commercial Compacity!. Furthermore not providing me as a small business owner to utilize all of the banking products that are currently offered to CAUCASION persons in its Compacity Denying me on basis of my Melanite Skin DNA Meaning Black or Brown Complexion Man, Attaining to Inconvenience and sever Financial loss, and I seek immediate and appropriate redress for these violations Without Prejudice!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX XXXX account and my credit dropped from XXXX to XXXX and seen someone has been running my name for car lots and credit cards and it isnt me
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I notified Equifax thru the CFPB in reference to identity theft and errors that I noticed on my credit report in return Equifax responded that the they verified the fraudulent items and errors that were listed on the FTC report that was attached to my complaint Equifax is still reporting these fraudulent items and errors on my credit report. my address is XXXXXXXX XXXX XXXX XXXX This is my only address any other address on my credit report has no association with me
Product: Checking or savings account

I am writing to officially bring to your attention a serious issue I have recently encountered with Chase Bank, which resulted in substantial financial losses and disruption of my business operations. 

I am a customer of Chase Bank, and I maintain a high standard of diligence when it comes to the management of my finances. However, despite my efforts, I have suffered a significant loss due to an unjustified transaction rejection by the bank. 

I attempted to purchase a stock of merchandise from an overseas supplier, valued at approximately {$7000.00}. Upon initiating the transaction, I was informed by the bank that the transaction had been rejected. I immediately contacted the bank to rectify the situation but was met with an uncooperative response. Despite my insistence and the criticality of the transaction for my business, the bank failed to provide an adequate solution or allow the transaction to proceed. 

This action from Chase Bank not only caused an immediate financial loss, as I was unable to secure the merchandise and lost the associated investment, but also led to downstream impacts on my business, disrupting my operations and causing reputational damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

received an email alert from Experian credit that said my email and social had been detected on the dark web. Later that day I changed most of my passwords due to this being the 2nd time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. One was for XXXX with an approval for XXXX credit card. I emailed the company that night and said I did not authorize nor apply for credit or a loan. A month later I got a reply to call however I was at work. When I did follow up it took 3 ppl to tell me the card was active and being used online with purchases in multiple states. The follow week I got a bill in the mail for over $ 1k.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I attempted to have the reporting bureau verify the debt on XX/XX/XXXX. I attempted to have the furnisher validate the debt on XX/XX/XXXX. Neither parties have provided any type of verification/validation of this debt. 

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ) to protect my privacy and medical records from third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed through   XXXX   and now there are an additional  XXXX + inquiry on my report. They should have been removed because I have n't applied for credit in over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : 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 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 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 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 XXXX XXXX
Product: Prepaid card

I had started using cash app prepaid card as of XXXX of XXXX, in XXXX of XXXX I started getting ATM withdrawals that money was taking out of my account. No one had my card. I called cash app and they said it had to be me. I told them I didn't make any ATM purchases. Then the next day cash app closed my account saying due to suspicious activity. I called them back to see if I can get a replacement card they said no. That they will not send me one. So I had to switch my direct deposit to another bank. I also asked will I get my money, they said no.
Product: Mortgage

My home is scheduled for sherrifs sale XXXX XXXX, XXXX. I have been asking every since I got the " according to our records '' letter from Caliber home loans for some sort of proof that they own the loan. I have most recently asked for a copy of the note and have not, as of yet, received it. When I have asked ( and I have asked multiple times ) why it is not yet registered with land records that Caliber now owns the loan, I was told it was submitted on XXXX XXXX, XXXX and is pending. Not only until I questioned this and contacted land records myself, so I get the response from them, oops, sorry, that was wrong. I have downloaded, from the sherrifs sale site that XXXX owns the the loan. It was submitted XXXX XXXX, XXXX and filed XXXX XXXX, XXXX. How can Caliber sell my home if they are NOT the owner of the loan?
Product: Checking or savings account

XX/XX/XXXX chime authorized over XXXX transactions on my account for XXXX which is a merchant that should of been blocked in XXXX when I contacted them the first time. On the XXXX they drained {$500.00} in less then XXXX minutes. I called chime that night they blocked the merchant they said and the transactions were pending so none should have gone through. The next day they went through so I filed a dispute. They only authorized I get {$20.00} back from XXXX of the transaction but not all my money that was taken from the many more transactions, I called to have them open the dispute again today and it was denied again. They have done nothing to help me over several months of trying to get a new card and get that merchant blocked and now refuse to give me back the money they allowed to be stolen.
Product: Student loan

In XXXX of XXXX I had an agreement with Heartland ECSI and XXXX XXXX University to place my student loan in forbearance for 12 months. Instead, Heartland ECSI placed my loan in deferment for 3 months only. 

When I spoke to Heartland ECSI, they said I needed to call XXXX XXXX University. When I spoke with XXXX XXXX, they said I needed to call Heartland ECSI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company and told them that my information was used fraudulent in an attempt to gain credit and that I didn't submit the request. The Rep that I spoke with verify that the application was fraudulent but they refuse to have the inquiry removed from my credit report. My credit score has been impacted due to their refusal to remove the inquiry from my report.
Product: Credit reporting or other personal consumer reports

I sent out a letter to XXXX, XXXX, and XXXX on Friday, XX/XX/year>. My documents were picked up by USPS on Saturday, XX/XX/year>. It should have taken about a week, maybe two for the letters to arrive to their destinations. I have not received any mail or updates from any of the 3 credit companies in 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Product: Vehicle loan or lease

In XXXX around the XXXX, American car center, American Financial, in Tennessee shut down. And fired all of it's workers, these employees were entering false information into their system to include payment dates this result led to customers accounts being charged late fees at extremely high interest rates, not only that but had customers running around tryig to pay their car loans and not leader 's to third parties to include convent  stores in neighbor 's a list was given out where you could go but when you got to these stores and used the account number given it did not exist or they couldn't find in example XXXX, XXXX and many others end result all accounts were charged. as being late and intentionally reported as such. Fast forward without any notice accounts had been sold without the knowledge of any account holders to Westlake portfolio management. They couldn't set up their web site when you went there it wouldn't work. They received my money but lied and said that they didn't have payments that was sent to California via post office then they switched to say that the paperwork was a lease. But it was a contact and at the end of the contract with XXXX payment 's I would own the vehicle. Not lease it but own it when they acquired mine there was only XXXX remaing on it then I would own the car I had paid and not missed a single payment for 4 plus years at every 10 days I would pay, now deception. They stated that they haven't received a payment from me in 52 days and repossessed my car, but the money orders were sent to them by the united states ' post office now they are asking for XXXX to get the car back after I have already put XXXX plus had to repair the car out of pocket because they would not repair it although the contract said that they would, at the time of the purchase I was told to go to the gas station because of low fuel the car broke down, then it had to be towed, then a major engine problem that cost me XXXX to fix because American car center American Financial would not instead they wanted me to take out an additional loan with them to fix their car that I was buying not leasing, buying and leasing at the same time if that makes since, reckless conduct and deceptive practices as of XXXX XXXX XXXX Westlake portfolio management had my car pulled from my driveway for none payment they switched it from being a loan to a lease and stated that it ran out in the XXXX of XX/XX/XXXX from XX/XX/XXXX, but they have been getting my payment and they told me that they got it on the XXXX of XXXX but I sent it on the XXXX  then they stated that it was posted on the XXXX, yet they got it on the XXXX according to the post office. Making it late mind you