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

Despite multiple disputes, XXXX continues to willfully and wantonly violate the FCRA by refusing to report to every CRA that my account is DISPUTED BY CONSUMER and CLOSED BY CONSUMER. Moreover, XXXX has failed to timely report payments including my payment of {$100.00} received on XX/XX/XXXX/22. Failing to comply with the requirements to report accurate and complete data and to mark my account as CLOSED and DISPUTED constitutes 3 separate willful violations entitling me to {$3000.00} in statutory damages. On XX/XX/XXXX22, XXXX wrote stating We understand that you believe the bank is inaccurately reportingto the credit bureaus and you believe that the card should be reporting as closed per your request on or about XXXX/22Lastly, during your XX/XX/XXXX22 call you requested to close the card. As a result, our agent restricted the cardhoweverthe account will not close until the balance is paid in full. I diligently made multiple demands to close my disputed account but XXXX has illegally refused to meet its obligation to report to every CRA documenting my account as both Closed and Disputed. Clearly, I closed my account, before the normal XXXX/XXXX/22 CRA dates but XXXX knows its obligations to report my account as closed and disputed but it nonetheless intentionally violated its statutory obligations. Attached are excepts from my Experian and XXXX reports of XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card

I updated the mailing address for where my bill should be sent and paid, but I accidentally made a mistake when filling out the address change form that the Exchanges credit program provides. I either typed the last number wrong or miswrote it, so now the form is being sent to an incorrect address that doesnt exist.

I called customer service, and they told me I need to return that form in order to correct the addressbut since the address on file is incorrect, Im not receiving the form and have no way to get it.

The address Should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I been trying to change it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached are my ordres
Product: Credit reporting or other personal consumer reports

An account is reporting from XXXX XXXX on my credit report and I have never lived there or applied for any services with this company. Additionally the secondary creditor to this company Procollect , Inc. has reported this same debt on my report to XXXX and it doesn't belong to me. I am demanding it to be removed because it is not my account or my debt. Please remove at once for this is causing a financial hardship on my account and I am tired of this happening in one form or another.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX  CREDIT XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CREDITXXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Venmo has an incorrect birthdate on file for me. When I tried to correct the issue they just kept pushing their debit card application rather than fixing my information. They told me I passed their verification process so there was nothing anyone could do.
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. 

XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$85000.00} XXXX : Account Name : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$85000.00} EQUIFAX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFDB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ingoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/2023 I was charged {$1600.00} dollars from XXXX XXXX XXXX. 
I contacted USAA regarding the transaction stating that this was an un authorized transaction and would like to dispute it. I contacted USAA multiple times regarding the status of the dispute and nothing was provided. Finally, after numerous times contacting USAA, I was told that there decision to deny the dispute is final and i have been told they can not review the case. I have asked USAA to help me with regarding what i need to provide to them for this case to be reviewed, no help from USAA has been given or direction of why my dispute is finalized.
Product: Mortgage

I was contacted by LoanDepot.com , LLC and advised that I could refinance my VA loan with no cost to me. The representative went on to say that it is like contacting the bank and simply negotiating the interest rate down through a new streamline refinance program available to veterans. When I was uneasy about considering an adjustable ARM, he went on to say that if the rate goes up, I can simply use the streamline program to refi again. He even thanked me for my commitment and service, which, reflecting back, sickens me to think they boost up veterans like this only to take their money. The representative sent a link to the financial documents and all we had to do was review and accept them and they would process the loan. While reviewing the documents, which were received on XX/XX/2018, I noted that they tacked on almost {$15000.00} in fees and closing costs. I called the loan officer, XXXX XXXX XXXX  ( NMLS : XXXX ) and inquired about the additional cost. Like a good actor, he told me that he would need to get with the other representative ( XXXX? ) because something was not done correctly. He went as far as to state that " we can not include additional fees onto VA loans. '' XXXX XXXX  called back onXX/XX/XXXX. stating he fixed the fees and wanted to go over the documents on the phone vice doing it online as before. I was at an engagement so I called him back on the morning of XX/XX/XXXX. While reviewing the loan proposal, I noted there were no fees ; however, the loan amount was for {$240000.00} and I only needed {$230000.00} to refinance. When I told XXXX XXXX that I was not borrowing an additional {$13000.00} and that I just wanted to refinance under the original terms we discussed, he finally told me that the deal is that there is " no out of pocket, '' but that there would be additional charges. I told him that his company was being flat out dishonest to consumers and that I would not do business with them. He actually agreed that the other loan officer was dishonest with us. I can't imagine how many retired military members get suckered in to these scams and it should not be legal. The loan number is XXXX  and they did send me a loan package after the fact, which I can provide. I think they only sent me the loan docs to cover themselves since I told them I was reporting their tactics to the FTC. I am also available to answer any other questions you may have.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX concerning their inaccurate reporting practices to the Consumer Reporting Agencies. My complaint pertains to the following issues : 1. Inaccurate Reporting to Credit Bureaus : XXXX XXXX XXXX XXXX has reported a collection account on my credit report, but it does not appear on all three major credit bureaus ( Experian, XXXX, and XXXX ). Specifically, the account in question is reported to only XXXX of the three bureaus, leading to incomplete and inaccurate information on my credit reports.

2. Impact on Credit Score and Credit History : The lack of reporting to all three bureaus is negatively impacting my credit score and credit history. Accurate and complete reporting is crucial for maintaining a fair and accurate credit profile, and the omission of this information from one of the bureaus is causing undue harm.

The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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 to whom the report relates. 

I have been disputing the following account and it keeps getting validated. XXXX XXXX XXXX XXXX Account XXXX is in due fact reporting INACCURATE and Experian has a DUTY to report only ACCURATE information. 

I have attached my mailing receipts/ Exhibits to this Complaint proving the inaccurate reporting. 


USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally expressed allegation ( s ) here and now. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information. ALL claims, undoubted or not, must be confirmed to be currently and fully true, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and mandated standards, which is currently the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS, and others, letter laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to maintain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be veridical, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 




XXXX : XXXX, Beneficiary WithOut Prejudice
Product: Debt collection

I'm writing to inform you about XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Equifax, XXXX, and XXXX. XXXX is trying to collect money from me without legal contract with them and other credit bureau can't verify legal contract with my signature on it. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past years I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
It has been 30 days from the day I sent them a letter ; I am demanding them to furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If they are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 


Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to share my credit report without written permission from me and this is continually bringing down my score. 

Below are the dates that inquiries were made without my consent and from the credit source. I request all these inquires be removed and my credit report updated : 1. XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX CREDIT  PULLED ON XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX CREDIT PULLED ON XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX CREDIT PULLED XX/XX/XXXX 4. XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, FLORIDA XXXX XXXX CREDIT PULLED XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX CREDIT PULLED ON XX/XX/XXXX
Product: Debt collection

XXXX XXXX discharged this debt almost 10 years ago and I periodically get these notices from XXXX XXXX requesting money. Who is this money going to go to since it has been erased by the credit card company. The Midland is predatory and is untruthful stating this is still owed.The amount is for {$35000.00}. I am not paying this as it was not owed to Midland. They are being predatory and are sending me collection letters 10 years after absolution of the debt. They intimate that they will ruin my future if this is not paid. It is threatening and predatory to state this.
Product: Checking or savings account

On XXXX there was a fraudulent debit card transaction on my account for {$140.00}. I notified Chase the day it occurred, XXXX. Chase has refused to reimburse my account in any amount for this fraudulent transaction, in violation of federal law. I reported this to the CFPB previously. Chase responded on XX/XX/XXXX. In their response letter, Chase falsely stated that I used by debit card after it was reported stolen. What actually happened was that I had previously verified with Chase the last valid transaction for {$1.00} was at a gas station ( XXXX XXXX XXXX ) on XXXX before the fraudulent transaction took place, and where I believe the theft of my card occurred. In the same letter, Chase advised me that I had the option to dispute this further. I was instructed to contact the executive office. When I called ( XXXX ), I was referred to someone named XXXX ( ext XXXX ) who was handling my case. I attempted to contact this person 3 times by phone, leaving voicemails with my information each time, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. None of my calls were returned. 

After repeated failed attempts to contact someone in Chase that could provide information on my claim, I again turned to the CFPB for assistance. 

On XX/XX/XXXX I spoke with XXXX in the Chase executive office and XXXX, a supervisor in the claims department. I was asked once again to verify the last valid transaction for card ending XX/XX/XXXX. After I provided this information ( the same information I had provided several times before ) I was told by XXXX that he would reassert the claim and that I would receive a resolution from Chase by email in 3-5 business days. Once again, Chase has lied to me as I have received no further communication as of today, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

ACIMA DIGITAL FKA SIMPLE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear ACIMA DIGITAL FKA SIMPLE, This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines. 
Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt. 
2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report. 
3. Debt Validation : o The name and address of the original creditor. 
o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied. 
o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt. 
4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy. 
5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies. 
Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation. 
Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts. 
Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General. 
Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter.
Product: Debt collection

I was contacted back in XXXX and threatened with jail and liquidate all of my assets if I did not pay for an account opened back in XXXX. The attorney XXXX XXXX has been harassing me since XXXX. When I was contacted again in XXXX I told them I already paid it off. They preceded to call my job and spoke with HR several time, called me at work harassing me so I agreed to pay so they would stop calling at work, sending a sheriff to my home to serve me. I have made over XXXX in payments and now they are sending another court document that I now owe the same amount again and additional fees totaling {$5100.00}. XXXX XXXX, XXXX. has run my credit/social security again on XXXX/XXXX/XXXX without my consent ; to retrieve my address and sue me for the same charges I have paid for twice already. This is fraud. She keeps selling the same fraudulent account ( Under XXXX, which is her husbands company ) to other attorneys to collect from me and then selling it to another attorney and tack on more fees. This is now the third or fourth attorney. When I ask for a certified letter with documents on what the account was, the charges breakdown. They tell me they ca n't but will can send me an email. Once I told them I was going to file a complaint and seek legal council, two weeks later I receive a judgment from the court. I need help, they have now contacted my employer and sent a sheriff to my office. I need some assistance as I will need to seek an attorney. The new attorney now reaching out to me is named XXXX XXXX, PA. Please help.
Product: Credit card or prepaid card

I was denied the Target Redcard Credit card, my credit score is above the minimum to apply. With the denial letter they said one of the issues was credit score and then listed a false credit score, length of time accounts have been established ( which is discriminatory based on age ), and that " too few accounts have been paid as agreed '' which I have none that have to be paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest recovery systems has placed a collection account on my XXXX   and XXXX credit reports as of XX/XX/XXXX. The account was listed on the credit bureaus lacking sufficient information, which only shows a balance and lacks an account number, the type of debt or an origination date other than the date of collection ofXX/XX/XXXX. The debt does not belong to me. Midwest recovery systems not provided me with proof showing the debt belongs to me which would include a contract showing signatures or proof that any monies have been provided to me. They have only begun attempts to contact me. I have received calls XX/XX/XXXX at XXXX and XX/XX/XXXX XXXX. The attempts to contact me have been outside of legal times to make contact. I am currently in the process of purchasing a home and the company has caused my XXXX credit score to drop 78 points from XXXX to XXXX, and my XXXX   score to drop 69 points from XXXX to XXXX. The incorrect reporting has caused me to no longer be eligible for home financing programs and the loss of a down payment grant on a new home. I will begin taking legal action against Midwest recovery systems by seeking damages for the losses that I have experienced in regards to the collection placed on my credit files unless these items are removed from each credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 11 accounts that do not belong to me I have been going back and forthe with the bureuas regarding this since XXXX of 2020 I have opened an FTC I have called and written letters to the bureaus but nothing is being opened or even looked at I need this taken care of since these are not my accounts and they do not belong in my report!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  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 XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX