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

Subject : Final Demand for Signed Agreement Intent to File Complaint Dear Pro Collect This is my final demand for a signed copy of the agreement regarding the debt you claim I owe. Despite my previous requests, you have failed to provide this documentation. You are illegally updating my credit report each month with negative information, which is having a serious impact on my credit. 

If I do not receive the signed agreement within 10 business days, I will immediately file formal complaints with the XXXX XXXX XXXX ( XXXX ), the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ), as well as pursue any other legal remedies available to me under the Fair Debt Collection Practices Act ( FDCPA ). 

I've included documentation of me requesting debt validation. Specifically, A signed lease agreement bearing my signature and you've failed to validate. 

Your continued failure to comply will not be tolerated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that these accounts lates will be removed. 
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: Checking or savings account

The account balance was low as a very, very costly subscription that was intended to be canceled renewed a day early and immediately overdrafted my account. With no alert, I proceeded to make several purchases. I at no point agreed to the overdraft protection or was made aware of it. So when my small purchases of gas, a few things at the grocery store, XXXX and with all the money budgeted ( Im old school and rarely looked at the online portal. By the time my paycheck arrived - at which point my account would be well in the positive range as everything I did was budgeted- the account had accrued such a massive negative balance ( something like {$70.00} overdraft fee ) then {$35.00} reporting fee, plus {$20.00} for every day the account balance was negative. Even with my paycheck the account was at- {$500.00} and accruing more debt daily that I could not pay. I scrambled to freeze my debit card and cancel all subscriptions but a subscription linked to the debit card which was at this point frozen still charged multiple days after I froze it, causing another {$100.00} overdraft.
Product: Credit reporting or other personal consumer reports

I do not recognize this address please remove thank you XXXX XXXX XXXX XXXX ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 alleged fraud or extortion. 
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 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 XXXXXX/XX/XXXX
Product: Bank account or service

This all began on XXXX/XXXX/16. That evening at XXXX I saw the account balance was negative with XXXX transaction in pending status. Immediately I withdrew money from my ( at the time ) XXXX account and went straight to the bank, however they were closed. I double checked prior to placing the cash into the night drop box that all transactions were pending in my online banking, once confirmed I put the money into the box. I also confirmed prior to going to work for XXXX that the transactions had not processed and they were all still pending. In total I deposited {$280.00} cash into the night deposit box, which I have been told in the past by the bank manager that it gets deposited first thing prior to opening. I was also told that this was a better option than depositing into the ATM due to the order in which they were processed. 
XX/XX/2016 at about XXXX I checked my bank to ensure things had been processed, and found a balance of {$6.00}. The institution had returned every single transaction, charged me XXXX fees of {$37.00} ( {$190.00} approximately ), which with a daily limit of XXXX was all they could charge me. The account started with {$170.00} in it. On XX/XX/2016- the transactions were as follows : {$65.00} ; {$110.00} ; {$14.00} ; {$40.00} ; {$4.00} ; {$35.00} ; {$26.00} ; {$10.00} ; {$50.00} ; {$20.00} ; {$57.00} leaving a balance of - {$250.00}. If the deposit was processed first thing in the morning prior to XXXX ( the last time I saw the transactions as pending ) this would have been avoided. The largest transaction was debited first even though one would think a bank would have financial soundness of their customers as a priority, not their own financial gains. Also if the largest of transactions would have processed first I would have avoided multiple fees, instead the bank processed the XXXX first which made my account -XXXX, this was followed by XXXX additional transaction which were placed in a way that caused every single one to be returned. 
On XX/XX/2016 there was an attempt to reprocess a XXXX card payment, leaving me with -XXXX and it was again returned. It was returned on XX/XX/2016 and I was charged another XXXX $ for overdraft. On the same day I was paid XXXX from my XXXX job leaving my account balance of {$270.00}. At this point transactions were beginning to be reprocessed along with fees from various credit card/loans/automatic payments/debit transactions, I still am having difficulty returning to my prior financial state which is leading to further overdraft fees, I am unable to close my account due to ongoing resubmissions from credit card payments, and this whole situation has definitely impacted my entire life negatively. 
Also I would like to add that I have contacted the bank multiple times since the start of this and they offered me {$74.00} to cover the unreal amount of stated fees, and said that they were doing me a favor and " got special authorization to do so ''.
Product: Credit card

Discover card is reporting a negative account that I was previously listed as an authorized user on. As an authorized user I am not responsible for the account in any way, yet they are damaging my credit. I have called them to dispute the account and requested them to remove it, but all they tell me is that I 'm no longer listed on the account so there is n't anything they can do about it. They placed it on my credit, but refuse to remove it. According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MONDAY, XX/XX/2022, I WAS NOTIFIED BY THE CFPB THAT EXPERIAN HAD GIVEN AN INTERIM RESPONSE TO MY CFPB COMPLAINT UNDER ID # XXXX. 

COMPANY 'S INTERIM RESPONSE Thank you for submitting your dispute on XX/XX/2022 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied, including the attachments, through the CFPB portal and directly to Experian. At your request to begin a reinvestigation, we are in the process of contacting the data furnisher ( XXXX ) or public record vendor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. Please note that mailed correspondence may take up to 10 days for delivery through the XXXX XXXX system For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian or write to Experian at XXXX XXXX XXXX XXXX, TX XXXX XXXX For more information regarding your credit and frequently asked questions, you may visit : www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visit www.experian.com/dispute Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

AFTER A REVIEW OF EXPERIAN 'S RESPONSE I IMMEDIATELY OBSERVED THAT EXPERIAN HAD AGAIN DOCUMENTED THEIR VIOLATION OF MY CONSUMER RIGHTS AND THE FCRA. Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this was not a new dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. I have filed several disputes concerning this issue in the past. Therefore, Experian has had the legally required time to reinvestigate my dispute. They do not get an additional thirty days to conduct another reinvestigation. 

Experian failed to meet its statutory obligations and is knowingly and willfully providing false, inaccurate, incomplete, and misleading information on my consumer report. This has resulted in damage to my reputation, character, and credit worthiness. 

Experian has not conducted a proper reinvestigation of my disputes as mandated by the FCRA because Experian has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed information must be DELETED from my consumer report within 5 days of receipt of this CFPB compliant.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting my account closed due to fraud but it was assured to me by the bank XXXX that this was not the case and it was closed without cause. This is reporting incorrectly with XXXX  and XXXX XXXX. I would like this taken off of all reports and deleted immediately.
Product: Credit reporting or other personal consumer reports

my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and dischare my student loan debt in full. It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information. 
2. Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Advantage and subsequent data breaches demonstrate clear negligence. I have reached out to all credit bureaus regarding this matter as well as student aid and no one is willing to assist. 

Demand for Resolution : Due to these violations, I formally demand : written confirmation of this cancellation.
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 Account Name : XXXX has violated my rights. Or list of inquiries 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.
Product: Mortgage

IN XXXX MY WIFE AND I FILED CHAPTER XXXX BANKRUPTCY. OUR MORTGAGE WAS BEHIND AT THAT TIME.WE INCLUDED OUR ARREARS HOWEVER WE PAID THE NOTE OUT OF POCKET. THE BALANCE IN XXXX WAS APPROX. $ XXXX AND IN XXXX WE APPLIED FOR OUR FIRST LOAN MOD FOR WHICH WE WERE APPROVED. WE FILLED OUT THE PAPERWORK AND SENT IT BACK TO OCWEN LOAN SERVICING LLC . IN XXXX WE ARE NOW DIVORCED AND I PERSONALLY APPLIED FOR ANOTHER LOAN MOD BASED SOLELY ON MY INCOME ONLY. IT WAS GRANTED HOWEVER IN VIEWING THE PAPERWORK I 'VE NOTICED THE PAYOFF BALANCE IS OVER {$43000.00} HIGHER THAN IN XXXX. WHEN I INQUIRED ABOUT IT XX/XX/XXXX WITH OCWEN SERVICING I 'VE BEEN GIVING NO CLEAR EXPLAINATION. ONLY THAT IT WAS AN ESCROW ADVANCE AND INTERESTS. I CA N'T MATHEMATICALLY COMPREHEND THE ASTRONOMICAL NUMBERS I 'M GIVEN, ESPECIALLY WITHOUT PROOF.IT APPEARS THEY ADD YOUR DEBT TO THE REAR AND ADD WHATEVER THEY CHOOSE ON YOUR LOAN AMOUNT. AGAIN IVE MISSED A FEW PAYMENTS IN THE PAST THREE YEARS BUT INCREASING MY MORTGAGE BY $ XXXX IS CRIMINAL IN THREE YEARS. MY NEW BALANCE IS NEAR {$150000.00} NOW. BUT NOW THEY SAY {$96000.00} IS " DISHARGE OF DEBT '' BROKEN DOWN OVER 3YEARS IN THIRDS FOR WHICH I MUST PAY INCOME TAX FOR AND OCWEN STILL SAYS I OWE THAT TO THEM TOO. DISGUSTED, READY TO WALK AWAY.THEY WILL CHANGE WHAT THEY TELL YOU IN THE SAME CONVERSATION. ANY HELP YOU CAN OFFER WOULD BE APPRECIATED.
Product: Money transfer, virtual currency, or money service

Thank you for taking the time to look at my case. 

Company : Revolut, amount {$20.00}. Date XXXX XXXX, 2021. 

The case is regarding Revolut, a virtual debit car wallet with a physical card too. I recently opened my account with them ( back in XX/XX/2021 ). On XXXX XXXX, 2021, I was attempting to pay a friend using XXXX, so Revolut came out and I knew I had money on it, so decided to pay using it. The transaction was declined by XXXX because I had {$20.00} on Revolut and the amount I needed to pay was a bit higher. However, Revolut kept the {$20.00} they charged me ( although their rules say do not charge for declined transactions ). I contacted their customer service several times and each time they give me a different answer. First time I contacted their customer service they told me that my card was compromised and they issued me a new card number. Second time, the agent told me that I had spent that money myself with an authorized charge, which is not true. And when I tried to file a chargeback, they denied it to me saying the charge was authorized. However, XXXX XXXX did not take the money, and the history of charges show Revolut as the merchant ( attachment no. 1 ), so Revolut took my money without being authorized and without any services bought. I repeatedly asked what is the charge for, and they have no answer to me. As you can see in the attachment ( no. 2 ), I filed a complaint with them, they responded on XX/XX/XXXX again denied me a refund, still with no explanation of who took my money and what they did charge me for which you can see in the letter. 

Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : ACC XXXX - Disputing Information in Credit Report Dear XXXX XXXX XXXX I am writing to dispute the information XXXX XXXX has supplied to XXXX  XXXX XXXX  and Experian in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : 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: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX/XXXX  XXXX Balance : - ; XXXX/XXXX  XXXX Balance : {$280.00} ; XXXX  XXXX  XXXX  ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX Balance : {$990.00} ; XXXX/XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, 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 is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I have sent Transunion proof that my name is XXXX XXXX XXXX and they refused to change my name on my report and delete the name Mister