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

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any
of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask XXXX  XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXXXXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, a friend requested through Cash App that it forward {$55.00} to my XXXX XXXX  checking account. On XX/XX/2019, another friend requested that the company forward {$41.00} to the same account. Both used my cell phone number, and I only have one, to request the transfers to my account. In addition, I sent a {$100.00} payment to someone on XX/XX/2019. I checked Cash App to follow up on all these payments last Thursday, XXXX XXXX. I never received the first two payments, and my bank confirmed they were not received, although Cash App says the payments were made. The {$100.00} payment I made was never accepted by the recipient, and the Cash App shows it expired -- but the money was not returned to me. 
Attempts to reach them online through the app were futile, so I reached out through XXXX last Thursday, XXXX XXXX, and tagged CFPB. Cash App 's support service said someone would contact me within 12-24 hours. Almost four days later, I'm still waiting for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following account XXXX XXXX XXXX   XXXX
Product: Debt collection

I have tried numerous times to resolve this matter with Chase Bank. I have made at least 2 dozen  telephone calls ... .sent 2 different certified mail packages that included all documents in my defense ... I have gotten nothing but the run around ... .now my mortgage went to XXXX XXXX XXXX and they can not help me in any way find out information on these corporate advance charges ... .nothing but the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$0.00}
Product: Debt collection

Pursuant to a conversation with XXXX, at contact number ( XXXX ) XXXX, as I asserted in our conversation on XX/XX/XXXX, I do not deny going to a XXXX XXXX XXXXXXXX XXXX XXXX [ XXXX ] on XX/XX/XXXX, to be treated for XXXX XXXX. The issue I am experiencing with this visit, is not whether or not I am responsible for any cost associated with my visIt, because I am willing to pay, but rather your organization or XXXXXXXX XXXX  XXXX have failed to provide justification in for the extreme charges associated with my emergency room visit, in the form of an itemized statement and/or invoice justifying a bill for {$5800.00}. Per our conversation it was stated the insurance company [ XXXX ] paid out {$830.00}, thereby leaving a balance of {$5000.00}. As I stated, upon arrival to XXXX XXXX XXXXXXXX XXXX XXXX my XXXX was assessed above XXXX, unfortunately, the center did not have any medication to adequately treat my condition, so rather than be honest about the lack of their ability to extend to me adequate treatment, they gave me water to drink throughout the night. No XXXX was administered. A family member came to check on me, and having some understanding of my condition and the seriousness of my condition, left and went home, only to return with some XXXX ( XXXX ) to help bring down my XXXX level. As the evening progressed, it appeared my XXXX level would not come down, to an acceptable level, so I decided to leave ; upon leaving the XXXX XXXX  XXXX XXXX XXXX my XXXX level was XXXX. I left XXXX XXXX XXXX XXXX and went to XXXX XXXX XXXX XXXX ( XXXX ), where they administered XXXX to assist with helping to better my condition, upon leaving XXXX XXXX my XXXX level decreased to XXXX. 

For the fourth time, I am requesting a copy of the itemized statement and/or invoice to justify services or treatments extended to me on XX/XX/XXXX. In addition, I have not at no time, received any correspondence or billing from your organization or XXXXXXXX XXXX XXXX regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. 

But I've needed to pay it with XXXX and Experian even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when XXXX and Experian can easily go to XXXX XXXX website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. 

I am asking that XXXX and Experian place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Public Law 91-506 Title VI, Section 611. Please provide the names and business address of whom you verified the account information with so I can follow up. Please send an updated copy of my credit report after your reinvestigation.
Product: Debt collection

I took out a PayDay Loan from XXXX XXXX for roughly {$900.00} odd dollars. They have an agency Stenger and Stenger garnishing my wages, having me pay them monthly saying that i owe them over {$6000.00}
Product: Credit reporting or other personal consumer reports

I recently acquired my credit report and I was shocked to learn that I am a victim of identity theft. I found numerous accounts on my credit report. I am in the process of buying a home for my family.This is detrimental to my home buying process. I would gladly appreciate your promptness to remove the negative items. 
Thank You!!!. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$3500.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Personal Sworn Statement & Declaration : 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. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I obtained a copy of my credit report from Experian. After attempting to update my personal information that was reporting inaccurately, I received results in the mail from Experian dated XX/XX/XXXX. None of my personal information was updated, nevertheless, I noticed several accounts were reporting inaccurately and I knew specific accounts reporting was not mine. On my XX/XX/XXXX copy of my report, XXXX was reporting an account number consisting of 12 digits which I knew was inaccurate. However, I noticed that the account number was changed from 12 digits to 16 digits. I also noticed that XXXX was reporting an account number consisting of 12 digits and I noticed that the account number was changed from 12 digits to 16 digits on my XX/XX/XXXX credit report. After disputing my personal information a second time, on XX/XX/XXXX, I disputed four inaccurate accounts which were XXXX, XXXX, XXXX AND XXXX with Experian via U.SXXXX certified mail. Experian sent results in the mail dated XX/XX/XXXX deleting the XXXX  account and claiming to have verified the XXXX, XXXX and XXXX accounts. On XX/XX/XXXX, I sent Experian a letter requesting for a re-investigation to be done on the verified accounts by providing actual proof ( i.e., a note, contract, instrument ) for the alleged verified accounts. On XX/XX/XXXX and XX/XX/XXXX, Experian responded and refused to provide actual proof as to how they verified the accounts. Their response letters just stated that the accounts were verified. Experian completely disregarded my dispute and just sent the same generic computerized verification response as they did my previous request. Due to Experian failure to properly investigate my dispute and remove the disputed accounts, it's causing unverifiable derogatory statuses to reflect on my credit report which is having a negative effect on my credit report score and will be injurious to me in the very near future. XXXX deleted the accounts from my report because they were not verifiable.
Product: Consumer Loan

For the second time, I have been " bullied '' into dealing with a law firm that is a collection agency. This organization has very poor customer service, does NOT work with the consumer because of extenuating circumstances, garnishes the wages of the only wage earner in the house. I have dealt with this organization before and even after making unreasonable efforts to pay, they still garnished wages and caused further hardship to our family.
Product: Credit card

I have XXXX accounts with Concora Credit, approximately in XX/XX/scrub>XXXX XXXX I notified them about my financial situation and they refused to help me. They told me they didnt have no program to assist me with my financial crisis because they are a bank.
Product: Credit reporting or other personal consumer reports

I noticed a late payment reported on my credit in XX/XX/XXXX from XXXX  and went to my account with them to investigate. It showed that I had missed a payment in XX/XX/XXXX which was impossible because I had been using the same credit card to pay for the item for the XXXX payment agreement period. I used this credit card in particular because I knew there would always be funds available. I contacted customer care and was told they could not do anything and that I had to write a letter to the company and see if they can help remote the late payment report. I did write a letter to finger to ask them to investigate and remove the late payment and I was told it was accurate and they could not. They did not investigate if there was an error with there computer system. I have never been late since I opened an account with them in XXXX so I was upset. I had never received any correspondence about a late payment either prior to them sending it to the credit bureau and it also caused my score to go down by XXXX points. I had in that time recieved several emails about sales but no missed payments. After this issue I paid off my account with them so there would be no further issues with the company and I don't plan on patronizing them again due to lack of concern or due process in investigating the matter.
Product: Credit reporting or other personal consumer reports

This company has violated my rights under the FDCPA. Despite lacking and contractural agreement or transaction with Orions Management Group. Please read the two letters I uploaded. They both have conflicting information.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of XXXX  the Privacy Act of XXXX, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

At Bank of America on XXXX XXXX in XXXX, XXXX I went to cash a live checkmy XXXX bonus from work. The company I work for banks with Bank of America. For 7 years in a row Ive been able to cash my check at Bank of America using my drivers license. This year they said its not something they do or are able to do. The bankers that helped me are XXXX and XXXX. XXXX was the one who cashed my check last year, this this is extra confusing to me. 

Its common to be able to cash your check at the bank from which it was written even if you dont bank there yourself, so this is very confusing to Me. 

And it says on the check payable at any Bank of America NA location, if desired. I will attach a photo This put me and my family out.
Product: Credit reporting or other personal consumer reports

I have sent dispute letters to all three bureaus. My Equifax and XXXX report is not reporting accurate information like XXXX. It is showing a collection XXXX not removed/deleted from Equifax and XXXX but is showing removed from XXXX. It is also showing different statuses. XXXX states " collection account. {$350.00} past due as of XX/XX/2024. '' with 3 late payment derogatory marks and Equifax is showing " unpaid '' with no late payment history. XXXX has removed this account. I have documents and proof attached showing what I have stated is accurate. 

15 U.S. Code 1681e ( b ) states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF ID THEFT DUE TO EQUIFAX DATA BREACH.
Product: Mortgage

Amerisave Mortgage Company took over 2 months to process a refinance. I was not getting responses at times from the loan originator or the processor. I've contacted them many times through e-mail, phone, voicemail, portal, and even once by fax with no response. During that process the rates had changed and I wanted to match what others had quoted me and the numbers for AmeriSave kept constantly changing. I eventually had to get an accountant involved and another lending company. 

On the day of closing the numbers were incorrect and we had to reclose again with a different ( higher ) rate than previously agreed. 

They also promised an online payment portal which does not exist. I am not able to track my mortgage at all except a bill I get once a month.
Product: Debt collection

This company said I have a XXXX XXXX account debt from XXXX  they have a different ID # they have it as a DL i only have a XXXX  ID. They called me a week ago very aggressive and cursing at me. Now they sent this letter. I spoke with XXXX XXXX and they assured me this is not correct it's a scam. I have a XXXX XXXX account and a cc with them and it's not through XXXX bank in XXXX ... .XXXX XXXX uses visa through XXXX XXXX They are scamming me and they have my social security number which is against the law.