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

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. Experian is required under the FCRA to have documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''. 

Experian has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, they have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ) which under Section XXXX ( a ) ( XXXX ) they were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I XXXX be entitled to under Section XXXX and Section XXXX if the UNVERIFIED items listed in the previous letters are not deleted immediately. 

The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if Experian fails to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts with the creditors and the bureaus since they are the product of identity theft, so far they have not complied with my requests to have them removed. I made a complaint to the CFPB back in XXXX and that complaint was closed the same day, I don't understand why so I want to start a new complaint. The accounts in question are as follows : 1 ) XXXXt ( XXXX XXXX ) XXXX {$15000.00} 2 ) XXXX XXXX XXXX XXXX {$2900.00} 3 ) XXXX XXXX XXXX {$3800.00} 4 ) XXXX XXXX XXXX {$1200.00} 5 ) XXXX XXXX XXXX {$0.00} I am including a copy of an FTC theft report which I have already sent to the credit bureaus to no avail, as well as my license and a proof of address plus my social.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I visited Amscot- The XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, to purchase a money order for {$900.00}. My partner and I needed these money orders to cover the first months rent and deposit for our new apartment. 

When we arrived, my partner went first. He asked for a money order for {$900.00} and paid in cash that he had taken from his wallet. The representative at the counter processed his request without asking for any additional documentation or personal information. 

I followed immediately after to purchase the same amount, {$900.00}, but I planned to use my debit card for payment. When I handed the representative my debit card, I was told that Amscot does not accept debit cards for money orders. In response, I went to the on-site ATM, withdrew the cash, and returned to the counter with the exact amount in hand. 

At this point, the representative asked me to provide my ID and required me to fill out a form requesting personal information, including my Social Security number, home address, and employment details. I was taken aback by this, especially since my partnerwho made the same transaction just moments earlierwas not asked for any of this information. 

I believe I was treated unfairly and subjected to discrimination during this interaction. My partner and I requested identical services, yet the requirements placed on me were entirely different. This inconsistency was not explained, leaving me feeling humiliated and unjustly singled out. 

I hope to raise awareness about my experience and prevent others from going through a similar ordeal. This incident reflects a troubling lack of fairness, professionalism, and transparency in the way customers are treated at this location.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I had pulled my credit I sent dispute letters to This company the original furnisher and as well and the 3 credit  bureaus. They only sent me a bill stating that this debt meets FCRA and is in compliance. I had sent a second round of letters asking why they had pulled my credit without my knowledge as well as. what exactly was this because. this was not consumer debt. 2 other Bureaus deleted it because it was one not mine and secondly because it was not consumer debt. it was a judgment for a tenant with same name as me. My social Doesn't match. and on this web site it shouldn't be there. 


https : //www.experian.com/XXXX
Product: Credit reporting or other personal consumer reports

Bank of America was sharing my private information on a third party website without my knowledge or consent this is to revoke all power given to the company without knowledge or understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have contacted XXXX XXXXXXXX directly and provided police report, representatives were very rude and not helpful. Prior to this I have sent mutiple letters in regards to this issue. I have never had furniture with XXXX XXXXXXXX nor have I lived at XXXX XXXX XXXX. That address is also in my police report. This is in regards to account XXXX XXXX account XXXX.
Product: Student loan

I attended XXXX  in the Fall of 2015. I had applied for financial aid on the first day the application was released and sent back my information on the first day it was available. Yet, I still did not receive Financial Aid until I came to Campus for move in day.

A week after XXXX break my aunt died. I had to leave to go home to MI to be with my family at that time. Because of those circumstances my financial aid situation was neglected when I came back to XXXX I was required to pay half of my balance to continue my studies. I did so. After that I received notification that there was a loan from Citizens Bank on my account. The issue? I never applied for a loan from them. It was being processed on my account even though I disputed this with the Office of Financial Aid. They instructed me to reach out to the bank itself, which I did and they verified that they had not sent me a loan for those funds. I wasnt in the headspace to dispute this. These funds never existed and prevented me from making a payment on my account At the time of the situation the loan had been processed on my account and I received no assistance from XXXX when trying to figure this out. When I looked today, the loan had been cancelled but it's existence on my account when it was never filed for is proof enough of this fraudulent loan.

During this time my mother became very ill and was involuntarily committed to a XXXX XXXX. I contacted the financial aid office to notify them of this and to ask for more assistance but was told that there were no more funds in the student needs based grant program. At this time I was receiving $ XXXX/ semester and was requesting more because my mother was, as stated before, XXXX and so she was not even aware of the situation. At this same time, students and staff were stealing {$1.00} million worth of needs based grant assistance from XXXX  and this is why they had no funds to assist me. In one semester a student received the university need based grant in excess of {$60000.00}. XXXX  had a student stealing money for the need based grant program that I qualified for and when I contacted the Financial Aid office, which was being run by these officials and students, they refused to assist me with any further grant funds and hung up the phone on me multiple times. The people who were stealing the grant money, refused to use the funds for their allocated purposes.
Product: Mortgage

We had an FHA mortgage with Rocket Mortgage for our home that we purchased in XX/XX/XXXX, which we recently sold. We built a new home and were scheduled to close on the sale of the old home on XX/XX/XXXX, but due to delays with the buyers lender, the buyers were unable to close until XX/XX/XXXX. The mortgage payoff amount that had been quoted to the title company was supposedly good through XX/XX/XXXX. Our title agency wired the proceeds from the sale to Rocket Mortgage, and they included extra funds per down to account for any extra interest that may have been accrued. 

Rocket mortgage received the transfer on XXXX, and left me a voicemail saying it was short and they needed to collect the additional funds. I didnt not listen to this voicemail until XXXX ( sometimes my phone does not show me I have voicemails until days later ), and I immediately called them. Rocket Mortgage stated that because I did not respond for 2 days, they rejected the wire transfer and that they would have to generate a new payoff amount for me. I contacted our title company, and they were SHOCKED, because they said normally a mortgage lender would reach out to the title company directly about a shortage. Further, they stated they sent more than the payoff amount requested, to account for any extra interest due to delays with the closing process. 

I left a voicemail for the person who was designated as our contact person at Rocket. She called me back and stated it is their policy that they call the consumer, not the title company, and they collect the extra funds from the consumer. The funds were supposedly rejected yesterday, but the title company has not received the funds from the transfer back. Meanwhile, interest keeps accruing on this mortgage that we still hold, on a house we no longer own. The title agent said that she has never heard of a lender doing things this way, and that it seems like they are trying to take advantage of people. I have already spent hours on the phone trying to resolve something that should not even have been an issue. I do not want other people to have to go through this, especially those that may just accept what Rocket is telling them at face value and hand over the cash.
Product: Debt collection

I contacted TransUnion Credit Agency on XX/XX/2021 to dispute a medical bill that I have disputed with TransUnion on four other occasions. Each Time TransUnion has ruled in favor of the Creditor, this time I requested TransUnion to provide me with a copy of whatever documents the Creditor verified the debt is mine. I have explained to TransUnion the debt is not mine and they refuse to take it off or give me copies of the verified documents.
Product: Credit card or prepaid card

Capital One Credit card bill due the XXXX or XXXX of each for the past 2 years. Logged into account billing date changed to the XXXX.No notice, no update given. Contacted Capital One, and spoke to extremely rude, unprofessional XXXX based lut of XXXX XXXX, NV id number XXXX who spoke fast and condescending. Refused to slow down and repeat and was admint that there were no disclosures nor terms they had to disclose. XXXX continued to state that we updated our policies and those dates for a billing cycle are no longer available. I asked her for those policies and she refused. XXXX then quoted me 1-2 billing cycles to change date again. Was never informed about the changes and I stay up to date and active with my Capital One account. This is a huge impact to all consumers and credit as this can be a late payment impacting my score.
Product: Credit reporting or other personal consumer reports

Equifax, Reviewed all my data listed below on my credit report, and listed information is inaccurately & incorrectly being reported on my Equifax credit report. I did not authorize the following inquires : I understand that as per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my identification and current address to avoid any delays in your response time. 
Address : XXXX INQUIRY DATE : XX/XX/2023 INACCURATE & INCORRECTLY REPORTED XXXX XXXX XXXX XXXX XXXX DATE : XXXX INACCURATE & INCORRECTLY REPORTED XXXX XXXX XXXX XXXX XXXXXXXX DATE : XXXX INACCURATE & INCORRECTLY REPORTED
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek ligation for defamation of character ). XXXX XXXX XXXX. {$2500.00}, XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX. {$4100.00}, XXXX XXXX XXXX. {$12000.00}, XXXX XXXX. {$16000.00}, XXXX XXXX. {$2300.00}, XXXX XXXX. {$480.00}, XXXX of XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, 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 XXXX XXXX XXXX XXXX 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: Debt collection

I disputed a fraudulent charge on my account in the amount {$2200.00} I am a victim of identity theft and I did not make or authorized this charges I have 7 years freeze on my credit report since XX/XX/2016 but still XXXX  XXXX   XXXX XXXX XXXX Account XXXX still send me a letter for collection
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit reports that I owe {$2900.00} to a XXXX card this is one last chance for XXXX XXXX XXXX to DELETE from my credit reports or i will sue both XXXX XXXX XXXX and the credit BUREAUS for reporting fraudulent information on my credit reports. This was paid in FULL and I only had a {$500.00} credit limit the card was paid in full. They supplied me with credit card statements but nothing showing why they say I owe {$2900.00} when I only had a {$500.00} credit limit which was paid in FULL I do not owe this and i will win in court if I have to go that route. I think this may have been part of the XXXX breach. The dicuments sent prove nothing
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 15 U.S. Code 1681e ( b ) Compliance Procedures Maximum Possible Accuracy 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 1666b 12 CFR, 1026.13 - Billing Error - Late payments 15 U.S. Code 1681a ( 2 ) ( i ) : exclusions on transactions 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) - Reporting During Covid-19 ( Instructions : Please Update to Never Late ) 15 U.S. Code 1692e - False or misleading representations Violation of 15 U.S. Code 1635 right of rescission 15 U.S. Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I paid my debts. I started in XX/XX/XXXX. The first 2 were XXXX XXXX and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and XXXX. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with a {$450.00} promotion, fulfilled the requirements and havent recieved my promotion bonus within the stated time. Account opened XX/XX/year> ... .requirements met XX/XX/year> bonus was supposed to be paid within 10 days they confirmed in email but wasnt done.
Product: Credit card

I got a call from Capital One saying there was potential Fraud on my credit card on XXXX XXXX, XX/XX/2015. I immediately called them back the morning of XXXX XXXX, XX/XX/2015, and informed them that I did not make that charge. They said it was a charge at XXXX in XXXX I live in XXXX. It was a credit card I have n't used in around 8 years. They ( They being capital one 's fraud department ) said that I would not be liable for the charge since it was fraud. They asked me if I wanted a new card issued or if I wanted my account closed. I asked that my account be closed. I was transferred to someone else that helped me close my account. Once the account was closed, I again verified that I would not be responsible for the charge to XXXX. She assured me that I would not be and that I would receive something in the mail showing my account was closed. Not only did I not receive something showing my account was closed, but today I received a bill for the charge we specifically discussed on the XXXX. Today is XXXX XXXX, XX/XX/2015. The XXXX fraud team member at Capital One that I spoke to today XXXX XXXX, was by the name of XXXX ( or at least that 's what it sounded like ). She informed me that they have no way of flagging it as fraud until it has posted to the account. Then she informed me that there was a XXXX charge to a restaurant that was already removed from my account. I was insisting that she explain to me how XXXX charge was never mentioned to me and why would they even call me to ask about the fraud if there was nothing they can do about it and were going to send me a bill anyway. She hung up on me. So, I called back and asked to speak to a manager. I was connected with a supervisor named XXXX. He apologized that she hung up on me and proceeded to confirm that the way their process works, they can not remove charges until they post. I am still confused as to why they would call me before it posts or not mention that I need to call back after it posts in order to actually fix anything. The icing on the cake, was when the supervisor XXXX told me he would connect me with someone else to close my account. I thought, WAIT! I already closed my account. Well, it turns out they do n't permanently close it until after there is a zero balance, and I could n't have a zero balance until that fraudulent charge was removed. I am beyond frustrated and upset by a situation where I already felt violated that someone stole my information and attempted to charge things under my name. I just want there to be a clear process so that I do n't have to keep spending time and emotion on fixing a problem that I was told was already fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issueXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I applied to assume a lease threw GM financial. To my surprise I was denied the lease when I received there rejection letter it states that they could not grant credit due the fact I have recent collection account. I have no idea of any collection accounts. I have zero late payment and much less anything on collections. I decided to call GM financial to find out where they got this information. They could not provide any info instead told me that within 2 weeks I should be getting a letter from the CRA providing further info. A month has passed and I never received that letter. So I decide to pull all three credit reports from XXXX, XXXX and XXXX. NONE have any missed or late payments much less COLLECTIONS. I do see that GM Financial did do hard credit pull threw XXXX on XX/XX/XXXX. I feel they have violated the FCRA. I have attached documents supporting my complaint. The rejection letter 's reference # XXXX Thank you for your time. Hope to hear from you soon. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I am writing with a very serious complaint about Money Network.
Money Network has allowed an overdraft on my card account, which had a {$0.00} balance.
That means there was no money in the account linked to the card for the puchase to be approved. There is a reason I left this account at {$0.00} - Not for MN to   XXXX   XXXX   put purchases thru leaving the account with negative balances.
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Why does this company do things like this? And then push us to overseas customer service agents that ca n't help?
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This account is not an approved checking account that one has signed up for for thru an application. This is an employer pay card service. Even though the services act like a checking account, OVERDRAFT is something that one must sign up for and check a waiver stating that the end-user has approved the practice. None of this has ever happened with my account.
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Therefore you put a purchase thru that was not approved, causing nothing but headaches.
I would advise this company, going forward to remove the overdraft feature from their system.
If the account being debited has {$0.00} funds, the purchse should be denied!
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I expect you to remedy this and get the {$60.00} back, since this was an unauthorized purchase in the first place.
WHY - I contacted this specific company 3 weeks ago and told them to cance ; l the said accunt (  XXXX  ) to which they responded over the phone it would be done It was not done - and here we are!
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What will Money Newtoek be dong about this?
Product: Credit reporting or other personal consumer reports

I sent a letter requesting to fix the 30 day late payment from XX/XX/2023. 
Company received the letter but has not responded. 
I was sent a letter showing I was refunded the late payment fee, but the credit history was not corrected. 
I was never late on any payments.