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

Reinvestigation Complaint Letter to CFPB XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXnXXXX XXXX XXXXXXXX Subject : Complaint Regarding Unresolved Credit Report Disputes Dear CFPB, I am writing to file a formal complaint against Experian regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 
Disputed Items : 1. XXXX XXXX Acct # XXXX CREDIT ACCT OPENED XX/XX/XXXX not my account no acknowledgment of this account i filed a ftc report as well for identity theft 2. XXXX ACCOUNT XXXX OPENED XX/XX/XXXX identity theft 3.XXXX XXXXXXXX ACCT XXXX XXXX UNSECURED OPENED XX/XX/XXXX timing of payments 4.XXXX XXXX XXXX ACCT # XXXX XXXX LOAN OPENED XX/XX/XXXX identity theft I provided my info to company to verify the information they have is not mines my birthday is XX/XX/XXXX not XX/XX/XXXX I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. 
I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. 
Thank you for your assistance in resolving this matter. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX  requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). XXXX  has been non-compliant and didnt complete the dispute in 30 days. I further remind XXXX, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal.XX/XX/XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.
Product: Money transfer, virtual currency, or money service

I have a business checking account with chase. On XX/XX/2022, i noticed several charges from XXXX, these are all amounting to atleast {$1000.00}, I called Chase Bank and filed a fraud claim. This bank account/card is never linked to XXXX, nor did i use XXXX sevices that day since I was at work. THERE ARE ATLEAST 27 transactions only for that day. 
I am a XXXX at the XXXX VA XXXX, that day i was working XXXX to XXXX and theres no way i could have taken those rides, nor someone else. no one else has authorization to use this card. I was reimbursed. 

Until XX/XX/2022, all these reimbursements were charged again on my business account. I called Chase and they told me, XXXX denied my claim due to " a physical card was present during these transactions and that someone might have my card number. '' -- i requested to re open the case, I also contacted XXXX. XXXX did reimbursed me 13 of these transactions, but not the other transactions that are still amounting to {$790.00}. I contacted XXXX and they told me, they already issued me a refund, they did not answer my question regarding the other transactions that Im waiting to get refunded for. I also contacted CHASE to reopen the case. I submitted myt timesheet at work as evidence. Its been a month and still this issue is still not resolved. 

Thank you and Im hoping that this matter gets resolved. 

i am attaching a copy of my bank statement and I highlight the transactions that are still not reimbursed to me by CHASE AND XXXX.
Product: Mortgage

I initially filed a complaint because I was blocked from using the online website and automated phone system to make my monthly payment. I have just found out why! 
Talk to customer service and they informed me that I had to sign a " permission slip '' giving PHH authority to allow me to make online payments or phone payments through their system. I didn't think anything but why was not I informed by email or regular USPS of this new requirement- which I have not ever heard of and I am a licensed Realtor and was a licensed mortgage broker. So they sent me an email which was " secure '' and when I went to it the email said that " Document that I Requested '' and I opened it and it was new loan papers for a new mortgage for higher interest than my current conventional loan and its interest only which adjusts on a monthly basis! I have not talked to a loan officer nor did I request a new mortgage! 

What XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is PHH doing? Is this a new form of predatory lending???? Someone better take action before a lot of older seniors like myself that don't have my business background get taken into signing paperwork for this, I have no idea how they think this is legal!!! I will be contacting my state representative, senator and anyone else I can think of to get this stopped immediately!! 

I hate scams and taking advantage of people like this is just beyond the pale!
Product: Debt collection

XXXX company online were deliberately misleading advertised. i spoke to a salesman XXXX. XXXX via phone XXXX company recorded this conversation.. 
XXXX XXXX at XXXX after hours. i signed an agreement that XXXX knew they could not fulfill due to false advertisement. 
after i signed then they sent me the house rules and contract agreement.. 
realized there was a mistake and a miss understanding. 
XXXX XXXX i emailed and called salesman XXXX XXXX and XXXX account help desk for a termination within XXXX hours less then XXXX hours. 
with no response. 
i made a complaint with the Consumer protection division office of the attorney general.. 
that has submitted a citation against XXXX and i was asked to appear in court if needed. 
XXXX illegally sold my information to XXXX XXXX XXXX XXXX. 
and now for a second time to XXXX XXXX XXXX XXXX firm trying to offer XXXX  % lump sum settlement and threaten " including but not limited to filing a lawsuit " i Disputed the debt in writing and request that they provide validation of the debt.
Product: Debt collection

Today on XX/XX/XXXX. I checked my credit report and discovered a {$9700.00} collection account. I haven't owed any debt during Covid-19 so I thought this was mistake. However, I checked my XXXX  report and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, was on my credit report on behalf of XXXX XXXX XXXX. My my life was threatened and the police was called out to the residence I was residing in, on XX/XX/XXXX to file a report. I conveyed this to the Leasing Agent and I had moved my belongings out of the unit on XX/XX/XXXX and this was witnessed by the agent because there was a video and audio recording of her speaking with me. There were pictures taken of the unit as well. I even signed a new lease at the end of XX/XX/XXXX so there was no way I would still be liable to pay over $ XXXX for a unit that I didn't live in. I understand these are hard times during Covid-19 however, I should not be liable after almost 2 years and 8 months for a debt that is not mine. Why would a creditor allow so much time to past to make me responsible for a debt that is not accurate? I worked at the XX/XX/XXXX in XXXX County as a XX/XX/XXXXand there were no Judgments against me, which is the action to take with Real Estate. Why would the collection agency not send me a notice to collect a debt when my address has remained the same since XX/XX/XXXX to dispute these charges? California residents are protected by the Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 to 1788.33 ), The Rosenthal Act also requires that original creditors and collection agencies and attorneys comply with the federal FDCPA. ( Cal. Civ. Code 1788.17 ). Attorneys are subject to the professional standards set out in California 's Business & Professions Code. ( Cal. Bus. & Prof. Code 6077.5 ( a ) ) .This is the definition of fraud! I want this debt removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have already disputed these items but the bureaus did not remove them, nor prove validation.
Product: Bank account or service

XXXX weeks ago I lost my debit card. Went to the local bank branch where they informed me there was an alert of a XXXX card ( possibly cloned ) being used on my account. the card was replaced and a fraud dispute filed. XXXX hours later I was advised my dispute was denied without contacting the merchants because my husband and I had logged into our account either online or through the mobile app and not caught the fraud ourselves. I escalated the issue to a supervisor who said they would reopen the fraud case and contact the merchants. chase has a 100 % XXXX liability advertising which they did not live up up. they also advertise they guarantee to have a credit placed on the account by next business day. waiting XXXX business as they requested to look into the issue, they denied our case without contacting the merchants saying the log in issue was good enough and if we did n't like it to close the account. this is a dispute over {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Fortiva credit card reported to the the credit Burals. ( CREDITREPORT ) That my credit card was 30 days over due.thats false! My payments are Due XXXX Of every XXXX. IN XXXX I paid on XX/XX/XXXX XXXX which is earlier then due date. Then This month XX/XX/XXXX XXXX I did as usual made a XXXX $ payment online. ( I have screen shot of payment ) I made two attempts the 2nd try error message said to call and I did waiting for 2 hrs no one helped! Today I made a successful payment.10 days from the XXXX and 18days from the glitch.Than I received notification from XXXX that fortiva reported 30days past due of my payment.! this is false .. My Credit Score Went Down XXXX points. I'm in the middle of buy my frist house and this a very negative thing for me Please help me ..Fortiva Monthly Yearly interest are beyondeven when having a great credit score they cant keep doingthis to people. Please help this account has never been 30days over due and always been in good standing. Fortiva is One of the finance company 's XXXX 's XXXX Uses. I HAVE EVIDENCE OF EVERY payment and every situation I have had.
Product: Checking or savings account

I made a payment to my XXXX  XXXX account and there was money in my account and there was never not enough money to cover the fee and somehow magically XXXX {$36.00} NSF fee appeared for apparently that payment which already cleared my account so I feel like it was a complete manipulation in order to charge me a fee and I had money in the account or the payment wouldve never been made to another credit card so I want this reversed immediately as this feels like theft to me Legal theft, and I am not being robbed by my own bank
Product: Debt collection

My credit report showed a derogatory remark based on an unpaid amount that I was sent by a collection agency. The collection agency, COMMONWEALTH FINANCIAL SERVICE, reported an unpaid amount of {$870.00} from a medical facility in XXXX, FL : " XXXX XXXX XXXX. '' I have never been to XXXX, FL, nor have I visited " XXXX XXXX XXXX. This is the 2nd time COMMONWEALTH FINANCIAL SERVICES has reported this to the credit agencies ( the first time it was successfully disputed ). I do not know what/who the company is, and have been unsuccessful in contacting either COMMONWEALTH or " XXXX XXXX XXXX. '' I believe both to be fraudulent companies based off information I found online describing similar false reports and attempts to settle with people just to have it removed off of their credit reports even if it is not bona fide debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received a notification asking if I want to sign up for their XXXX XXXX account. Said it was no credit check and that it would post to my account within 4 days and that most people see a average XXXX score increase. Well Two days after two accounts appeared on my report backed dated from XXXX years ago. One was a collection account that I have never heard of. I filed a complaint with the XXXX and the Agency listed for that one. I dont not have a contract with XXXX XXXX XXXX  nor do I owe them anything. I asked that this account be removed from my report. These accounts are not listed with any other bureau, and it only happened after I signed up for their XXXX XXXX XXXX account. I tried submitting a dispute with TransUnion directly. Below is attached documents of their response stateing that the completion date of my disputes are XXXX and that they were submitted on invalid dates. What is an invalid date? A FTC report has been filed as well.
Product: Credit card

On XX/XX/year>, I was approved for the Amex XXXX XXXX with a welcome offer of XXXX points if I spent {$6000.00} within XXXX months. 

When I received the card and logged into my account, a tracker displayed my progress toward the spending requirement and how much I had left to reach the goal. 

Today, I logged in to check my status, but the tracker was missing. Concerned, I contacted Amex chat support, only to be told I did not qualify for the welcome offer. This is unacceptable, especially since the welcome offer and card benefits were the primary reasons I chose this card. 

Ive had the card for XXXX months and have been spending intentionally to ensure I meet the spending requirement. Its extremely disappointing that Amex has not provided any meaningful support or resolution. Im left feeling frustrated and confused about what happens nextand frankly, Im shocked that a company of their reputation can misrepresent their marketing in this way.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumer but has also allowed repeat offenders to exploit the system, leaving users extremely vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I ran out of derferments with the original lender XXXX. and the loans were in default back in 2019. Right after that, the student loan paise happened so I did not reach out since any collection was stopped. 

Theot legal counsel filed a civil case against me in XXXX and at that time they added my loans as XXXX default to my credit report x 2. I have been working with XXXX XXXX to consolidate my loan and have also applied for president bidens loan forgiveness. 

Please make the NC State Authority stop harassing me and remove their lawsuit againt me. I will also file a copy of the amount owed, the loan consolidation application and everything needed as a motiok to dismiss.
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that I never received any formal notification regarding the closure of this account from Bank of America. The absence of a closure notice has left me without crucial information regarding the status of the account and without the opportunity to address any issues that might have led to its closure. This lack of communication has directly contributed to the confusion and misreporting of the charge-off dates, as the account was reportedly closed without my knowledge. The reporting of charge-offs on an account that I was not informed was closed is highly concerning and misleading. 

In XX/XX/year>, I discovered a charge-off from Bank of America on my credit report for an account with an outstanding balance of {$4200.00}. This debt appeared unfamiliar, and I had no prior knowledge or records of this account. 

The continued presence of this charge-off from XXXX through XX/XX/year> has prompted me to seek rectification due to its inaccurate reporting. 

Actions Taken by Me : XX/XX/year> : Initially, upon noticing the charge-off, I meticulously reviewed all related financial documents and found no evidence of the debt in question. I had neither entered into any agreement that would justify this charge-off nor received any communication from Bank of America XXXX this matter. 

XX/XX/year> : I contacted Bank XXXX XXXX customer service to clarify the origin of this debt and to request its immediate investigation. I was assured of a follow-up which never materialized. 

XX/XX/year> : A formal dispute letter was sent to Bank of America requesting comprehensive documentation that could validate the debt, including any contract or transaction records. 

Actions Taken by the Company : XX/XX/year> : Bank of America acknowledged receipt of my query but failed to provide any substantive response or documentation that could affirm the existence or validity of the purported debt. 

No subsequent communications or resolutions were provided by Bank of America despite multiple follow-ups on my end. 

As of XX/XX/year>, this unverified charge-off continues to be reported on my credit report, negatively impacting my credit rating and financial reputation. The lack of responsiveness and failure to validate this debt compels me to challenge its accuracy with your agency, as no evidence has been presented to me to substantiate this charge-off. 

Additionally, it is important to note that the account in question was officially closed prior to the reported charge-off dates. Despite the account 's closure, charge-offs were erroneously reported from XX/XX/year> through XX/XX/year>. This inaccurate reporting of post-closure charge-offs is incorrect and misleading, reflecting debts that could not have legitimately accrued after the account had been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the bureau of XXXX XXXX five times asking them to remove a account I did n't own. They agreed, it 's not my account. And after 60 days it still has not been removed from credit my XXXX XXXX profile.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft. I'd like to add that my name has never been XXXX XXXX XXXX, XXXX XXXX or XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX 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 XXXXXX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Debt collection

CBE FAILED TO CEASE AND DESIST COLLECTIONS AND KEEP CALLING MY MOM AND DADS CELL 13 TIMES. XXXX IS PAYING GAS BILL SEE ATTACEHED.
Product: Credit reporting or other personal consumer reports

In accordance with 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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.