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

I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

I requested by certified mail for the highest available standard to date of debt validation to be proformed on this account. Also the original contract with my signature : All invoices : charge slips : payments : or promise note to prove my indebtedness : And the furnitures contact information and findings of his reinvestigation. The law clearly states that any information that can not be validated or it's found to be incomplete, Inaccurate or incorrect must be DELEATED NOT UPDATED. XXXX has already removed this account from my credit report!!! I demand Transunion and XXXX follow suit!!! I have been impacted negatively by this Improper debt reporting and have been disputing this over nine months. I will not wait another 60 days for the company to respond. This damage is irreversible!!!! By law, they have thirty days from receipt of my certified letter dated XXXX. I demand that immediate deletion of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Debt collection

Me and my husband signed a lease with the XXXX XXXX XXXX in XXXX, FL in XXXX XXXX. My husband, XXXX XXXX, was the only one to sign and re-new the lease in XXXX XXXX. In addition, he was the only one staying at the apartment at this time due to the fact we separated before he re-newed lease in XX/XX/2017. Now this company, XXXX XXXX XXXX has applied a collection of {$3100.00} or more on my credit account saying that owe them for past rent during the months that XXXX XXXX was the only person on the lease. This debt is not mines and I am not responsible and I told the collection company. They claim I re-signed the lease in XX/XX/2017 but that is a lie because I was already moved out and separated from XXXX XXXX before that time. I believe this company has committed fraud against me by forging a copy of my name on the lease for XXXX XXXX. My estranged husband, XXXX XXXX, has agreed to sign an affidavit admitting that my statement is true and he is the only person responsible for this debt.
Product: Money transfer, virtual currency, or money service

I started investing inXXXX XXXX for XXXX and bitcoin with a private investor and I can't get my money back after several transactions and trying to pay taxes on my investment. I can only contact them through XXXX  on the XXXX  XXXX. I can't get a paper statement in my investor keeps telling me that I don't trust her.And she also invested in XXXX XXXX supposedly that I don't know if it really happened.
Product: Credit reporting or other personal consumer reports

i was attempting to get a new house and there are several collections and closed accounts being reported on my credit report that are unauthorized without my permission. according to law 15 U.S.C 1681 the collections are contributing to defamation of my character.
Product: Credit reporting or other personal consumer reports

I am distressed that this XXXX has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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 XXXX5 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX Bank XXXX XXXX Credit Card XX/XX/year>
Product: Mortgage

I was contacted by Amerisave representative after I went on line to inquire about refinancing my home. The Amerisave representative is XXXX XXXX. This was approximately in XX/XX/2021. He took my application and said he could get me a 3 % loan in 30 to 60 days. That did not happen. When I applied with Amerisave I was told I had to give Mr. XXXX XXXX, which was non-refundable, to start the process. I gave him tyhe XXXX and provided all documents asked for within days of there request. Only to be asked for them again and again, which I provided multiple times. Now today Mr. XXXX called me today to say that the underwriters still have more questions and now after all this time he will submit my documents and application to them. I think? Its hard to get a straight answer from this guy. I asked prior to this conversation, to refund my money, since the loan hasn't went through at no fault of my own. But apparently Mr. XXXX has not given my application the time needed for approval. He did not reply to my request and today XX/XX/2021 said he was going to finally submit my application to the underwriters. Since they had my money, I feel like this company and their representative have stolen XXXX dollars from me and destroyed my opportunity to get refinanced at historic lows and still are not letting me know if the loan is going through or not? I need someone's help to make Amerisave either refinance my loan at the agreed 3 % or lower since that is what he stated he could do.
Product: Money transfer, virtual currency, or money service

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

My car loan stopped reporting in XXXX of XXXX after filing bankruptcy chapter XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting XXXX XXXX since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had 3 investigations open with the bank on why its not reporting only after being told its been reporting every month. XXXX XXXX assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted XXXX and TransUnion every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXXXXXX XXXX says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have 3 years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with XXXX XXXX and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly.
Product: Credit card

There was no validation sent. Was served to come to court with out a right to dispute debt. There was mail forwarding from previous address and nothing was ever forward. Requested validation of the debt and it was not provided.
Product: Credit card

We booked a hotel room at XXXX thru XXXX and when we got to the hotel long story short the rooms electrical outlets did not work and the room was dirty housekeeping never came to our room until the day we checked out. There were personal item left in the room from the previous guest so its obvious that the room was no cleaned correctly. While at the XXXX we complained and were told that they could not refund our stay because we booked thru XXXX and were told to contact them for a refund. I tried contacting XXXX and got no response until I filed a complaint with BBB and was quickly contacted and I was told that they had contacted their XXXX contact person to get us a refund as its up to XXXX to refund us for our stay. So again I contacted XXXX and they were very polite and explained that we booked thru a third party and that they do n't receive the money. That XXXX is the only one that can refund our stay charges and they agreed I should receive a refund and that if I had booked thru them they could and would have given me a refund. Left with no alternative I filed a dispute with the bank and my dispute was denied. The services that we paid for were not what was advertised and I feel I have bent over backwards trying to get this issue resolved. XXXX out right lied to me regarding the situation. I feel that my banking institution should be able to help me correct the wrong that has occurred and now they have let me down as well. The charge was processed as a credit card transaction and I should have a right to dispute.
Product: Debt collection

On discovery of a collection on my credit file, I wrote to Portfolio Recovery Associates to inquire about the validity of the debt. I sent a letter by certified mail on XX/XX/XXXX, requesting documentation bearing my signature as proof that I had any obligation to pay this party. I received a copy of a letter from the original creditor ( dated XX/XX/XXXX ), which I do not recall ever receiving prior to this. I sent a second letter by certified mail on XX/XX/XXXX, disputing any obligation and received a second letter from them requesting identifying information ( dated XX/XX/XXXX ). I complied with their request and was sent a 21-page update ( dated XX/XX/XXXX ) in which they again failed to address my inquiry ( see pages 1-3, 5 and 11 [ stating the account was charged off ] ). I researched and found that the collection agency is required to report that the debt was in dispute, but they did not. I also learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. I am filing a separate complaint for the manner in which my proposal for settlement was handled but wanted to make you and other consumers aware of their tactics that violate my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

I attempted an external transfer through PNCs mobile app. I had a successful message that the transfer processed. However, come to find out there was a hold placed due to fraud triggers and the transfer did not process. There was no notification via email, text, secure message, or call from PNC. Only when I call or go to a specific screen within the mobile app am I advised that there is a hold and that the payment did not process. This is a deceptive and misleading practice to take no proactive measures to notify customers there is an issue and further through the normal process indicate that the transfer is successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was awoken today to a notification that my credit score had dropped & a new account was added to my Experian credit file. I logged in to check what had happened, as NO action was taken on my part that should have resulted in this. ( Upon logging in, I was advertised to about Experian 's paid services, which I believe violates the fair credit reporting act, as it happens every time I log in & attempts to make it seem like I need to pay the company to receive the best data possible. ) Nothing had changed on my credit report for Experian that would explain this 20-point drop, but it is there. NO account ( that I can see ) has been added. No late payments ( real or otherwise ), no new collections, no new inquiries or lines of credit, NOTHING to explain why my score tanked 20 points. 

The nearest I can tell, my " Boosts '' potentially expired. I was alerted last week that they were having trouble accessing my bank account, so I logged in and FIXED IT after an hour of frustration, and the boosts still show on my account, so I am at a loss. 

Upon trying to call the Experian customer service number - which states that it is open Sundays - I can not get through the automated menu. It disconnects me 100 % of the time even when I provide FULL AND COMPLETE personal information. It does not even offer the option to talk to a human. The options are nonsensical and the system is broken. I have tried to call REPEATEDLY over the last week for the " Boosts '' issue above, and now this, and I am being refused service by this agency. This is unacceptable and I have wasted too many hours fighting with their phone menu. 

If old information has reappeared on my account and is being treated as " new '' information, that should not be happening. 

To sum up : NOTHING HAS CHANGED on my credit report, but my score dropped 20 points for no reason, and Experian refuses to provide accounting for such, instead opting to CONTINUOUSLY advertise their paid services with the implication I MUST pay to receive full information. This violates the FCRA.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  NY XXXX For XXXXXXXX Experian & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These inaccurate accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
You state that the information being sent was not sent by me, which I am the one writing this request and youre refusal to honor it is in direct violation of the law! 
XXXX XXXX XXXX  ACCT : XXXX AMT : {$760.00} XXXX XXXX XXXX XXXX : XXXX AMT : {$1600.00} XXXX XXXX XXXXXXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX XXXX   ACCT : XXXX AMT : {$7700.00} XXXX XXXX XXXX   ACCT : XXXX AMT : {$150.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXXXXXX  XXXX   XX/XX/XXXXXXXX  You also have an inaccurate address listed, which will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX My current and most valid up to date address is : XXXX XXXX XXXX. XXXX XXXX NY XXXX. You are reporting inaccurate information that should be removed immediately. 

I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX  Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX  XXXX  and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting

I have an account with XXXX Bank which is for use at Pier XXXX imports. I received a late payment for a balance of {$5.00}. I wrote the bank and I had it removed XXXX. It is still reporting on Experian and they are not removing it. I in good faith thought I paid the account off. Some how there was a {$5.00} interest charge that was billed and which I did n't receive. I believe that this should n't be considered a late payment. Letter to XXXX Bank Attached
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Bank account or service

I have been a scottrade customer for over 10 years. I took them up on their advertisement to open a checking account. Big Hassle! Not worth it. Despite being a long time customer, they needed to see proof of identification, including a utility bill. When I brought that into the nearest branch ( almost 20 minutes away ) they then told me I needed to bring in my Social Security card or a XXXX with my social on it. When I told them I could only provide the XXXX I received from my Scottrade brokerage account ( I am a stay-at-home mom ), they said they could n't accept that one. 

Going online into my account, they suggest transferring money to my new checking accout and sent a debit card to my home address. However, they wo n't let me transfer money from my brokerage to my checking account. 

To sum it up, Scottrade Bank does n't seem ready to handle regular online banking. Here I thought it would be a logical place to open a checking account, but it was a pain to a ridiculous extent.