23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Vehicle loan or lease

I have had multiple charges added to my account from the beginning due to Wells Fargo dealer services not accepting my full coverage insurance from day 1. 
I have currently and always have maintained full coverage insurance thru XXXX and have filled out the proper insurance info on their site link. I have also faxed multiple times proof of full coverage insurance to them at their company fax. I have received transmitted correctly info from the fax. Still after 2.5 years they are adding extra charges to my account, always have a excuse and as of 10 months ago, have increased my monthly payment to cover insurance they have added to my vehicle. I am behind every month on payments as I have a set payment of {$370.00} a month and I pay {$98.00} a month to XXXX for full coverage insurance. I get harassing calls from Wells Fargo from 4 to 6 times a day. I speak with their insurance experts, and still after 8 calls speaking with different agents nothing gets done. I was just charged a {$690.00}. fine ( insurance premium ) to my account again. This company has a habit of taking advantage of consumers. I have been charged for a insurance premium 3 times and the balance is placed on the current monthly payment. This makes it so I can not get caught up and I have to pay an enormous monthly payment.. No matter how much I pay, it is not possible to catch up, I could have gotten a brand new vehicle and paid less.. Please Help. My payments have increased to over {$430.00} a month plus shows me behind every month on my credit report and Wells Fargo dealer services will not help me, regardless of multiple conversations and faxes.. I am no seeing online that over 760k consumers are suffering the same issue..
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted upgrade customer service about a past due balance for XXXX cents in early XX/XX/2022. Agent stated problem would be solved in 30 days and would not effect my credit score. Called back in late XX/XX/2022 after my credit score dropped XXXX  points. Agent stated it was an " autopay allocation error, and it would be investigated and I would be contacted. '' After they reported the " fix '' to the credit bureaus my score only regained about half of what it fell. I was just hit for another deliquescent for XXXX cents and another XXXX points on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX changed my address to my address to a Kentucky address I live in Arkansas they sent me a letter said they was changing my address I called them XXXX XXXX in formed them I did nod change my address then I got another letter yesterday said they was closing my account so I called them XXXX XXXX they wanted my checking account no I gave it to them they hung up on me my bal was {$350.00} now they say my bal is & XXXX XXXX XXXX I made a payment of {$100.00} to them my credit line is $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I accrued a debt to XXXX mobile in the amount of {$1000.00}. In XXXX of XXXX I was sold a refurbished phone under the guise of a new phone. Within 3 months the phone 's speaker quit working. Attempts to replace the phone or repair the phone were unsuccessful. I quit paying for the phone as I refuse to pay for a broken phone. 

In XXXX of XXXX the debt was reported for collections and it subsequently appeared on my credit report, which I did not dispute. 

In XXXX of XXXX XXXX AGAIN reported the SAME debt to Convergent Outsourcing. It is illegal to report the SAME debt repeatedly yet XXXX refuses to quit filing the same debt repeatedly.
Product: Money transfer, virtual currency, or money service

I am having an issue sending a maximum transfer and receiving a maximum transfer on via Venmo using my bank or credit union debit card to send money to friends via Venmo. I want Venmo to give me access to send or receive the maximum of money using my bank or credit union debit card via the Venmo app. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX, Venmo XXXX Debit Card Account Number : XXXX
Product: Credit card or prepaid card

USAA was contacted in regards to a charge that was not allowed to be done repeatedly on my credit card and provided the proof of the cancellation letter along with a new purchase of software for the same purpose. USAA ignored the information and kept the charge on my card for XXXX which is against the terms and conditions of the credit card company. I'm asking for help as USAA representative ignored the information submitted and this charge will continue forever based on their poor decision. Due to the manner USAA handled the dispute I am asking for help from CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am showing a hard inquiry on my credit report from AUTOMOTIVE CREDIT CORP I have not been to a dealership/car lot to purchase a vehicle, and I certainty have not given anyone permission to use my information, nor agreed to co-sign for anyone. Please investigate into this a remove if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX XXXX XXXX-Balance : {$20000.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance : $ XXXX-Date Opened : XXXX XXXX  XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXXDate Opened : XXXX XXXX, XXXX XXXX XXXX XXXXBalance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance : $ XXXXDate Opened : XXXX XXXX, XXXX XXXX XXXX XXXXBalance : $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and XXXX, undermining my trust in the credit reporting system. 

Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as I am being unfairly penalized for errors that are beyond my control. 

The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall mental health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I submitted a request for multiple accounts to be investigated on my Experian credit report. Experian will come back and say the account has been verified. I would have no issue with this if items were properly investigated. I have attached multiple account statements I have received from collection accounts saying they verified my account with these statements. 

These statements I have received tells me Experian has not investigated properly. Anyone can make a Statement saying I owe money its not the original signed consumer contract. 

I expect the accounts I have attached to be deleted and I also expect all my other accounts to be re-investigated properly and validated. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my consumer reports and noticed the following personal information you have on file are IN ERROR my correct spelling name is XXXX XXXX XXXX. I DO NOT SPELL MY NAME ANY OTHER WAY.
Product: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. 

These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Product: Mortgage

My loan service was transferred to Seretus from XXXX. XXXX had double charged for insurance I already had for over a year and owed me a refund. They sent it to Seterus who put it back into the escrow for impounds. They refused to apply the overage to principal & interest, they are n't paying any interest and refused to refund the surplus unless I pay current. I agreed to pay current if they agreed to finally send the refund I 've been entitled to for 6 months. I paid another {$4500.00} even thought the P & I due was only {$2600.00}. They said they had to run another escrow analysis, the 3rd in 4 months, and even though they acknowledge they still have a surplus of {$1900.00} which I am due, they refuse to mail me the refund because now I 'm due for XXXX/XXXX/15. This is a never ending game. Every month they delay until another payment is due and then say I 'm delinquent. All the while they have been overcharging me for impounds. XX/XX/XXXX is the first month my payments have been billed correctly in more than a year.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX  ( Original Creditor XXXX XXXX  XXXX XXXX XXXX  XXXX Account XXXX XXXX Account Name : Credit Coll ( Original Creditor XXXX XXXX ) Account # XXXX Account XXXX : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account # XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) According to 15 USC 1681i ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for its failure to conduct a reasonable reinvestigation of disputed information on my credit file and for its continued reporting of inaccurate bankruptcy information. 
In XX/XX/year>, the CFPB sued Experian for failing to properly investigate disputes and for not removing inaccurate reports, which threatens consumers access to credit, employment, and housing. Despite this, Experian has continued these harmful practices by failing to properly investigate my dispute regarding an inaccurate bankruptcy on my credit file. 
Experians Failure to Verify Bankruptcy Information I have disputed this bankruptcy with Experian multiple times and have also filed two complaints with the CFPB regarding this issue. However, Experian has failed to provide proper verification and continues to report conflicting and inaccurate information. 

To refute Experians claims, I have provided : A letter from XXXXwhich Experian previously identified as their source for bankruptcy recordsconfirming on XX/XX/year>, that the bankruptcy is NOT on my credit file. This means Experian is either relying on outdated information or failing to verify its sources properly. 
A letter from the U.S. Bankruptcy Court of XXXX XXXX stating that they do not verify information with any third party. This directly contradicts Experians repeated claims that they have verified the bankruptcy as accurate. 
Despite these facts, Experian continues to send me generic responses stating that the bankruptcy has been " verified as accurate '' without providing any supporting documentation. 
Experians Pattern of Noncompliance I have requested numerous reinvestigations, yet Experian has refused to conduct a proper review. I have requested the specific documents and procedures used to verify the bankruptcy on two separate occasions, but I have not received any response. 
I have requested the name and contact information of the entity or individual Experian used to verify this bankruptcy, and this request has been ignored. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), Experian is legally required to conduct a reasonable reinvestigation and provide documentation supporting their findings. Their continued failure to comply violates my rights under the FCRA and is causing significant harm to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  and XXXX  XXXX  must be removed from my report its not the law and I want it off its not my loan. This is very crazy. I am being ignored. They are saying it verified without any proof. I want XXXX  XXXX  and XXXX  off my report. Im afraid to send in my personal information to anyone. my drivers license and social this is private information. I want these removed permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with equifax numerous time about errors on my report. I have done all their steps to get issue resolved however every time i call, i speak with a different person who providers different information.The are a numerous inquiries on my report that was not authorized by me and when i tried to reach the companies they can not locate me either. The companies   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed several times XXXX and XXXX XXXX account in XX/XX/2020, its been longer 3 months. The dispute still states under investigation. I have not been validated. The accounts XXXX - XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX  - XXXX
Product: Money transfer, virtual currency, or money service

Ive had numerous issues with Zelle. Including money taking out of my account and my Zelle shut down
Product: Credit reporting or other personal consumer reports

I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.
Product: Credit reporting or other personal consumer reports

Equifax has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by re-inserting the same disputed accounts multiple times without proper verification or notice. This is a clear violation of FCRA 611 ( a ) ( 5 ) ( B ), which requires Equifax to notify me in writing within five business days when re-inserting a previously deleted account. They have failed to do this each time.

The following accounts were previously disputed, deleted, and then reinserted multiple times without proper certification or notice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax has failed to conduct a reasonable investigation before re-inserting these accounts, violating FCRA 611 ( a ) ( 1 ) and FCRA 623 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On XX/XX/2020 someone pulled a hard inquire from my credit and from my wife credit. After reviewing the report through XXXX  and XXXX XXXX, we got their name. It's American Pacific Mortgage. 
I reached out to one of their officers to remove this inquire. She said she did submit a letter to her company to remove it within 30-45 days. Now we passed the 45 days and looks like it did not remove it. 
American Pacific Mortgage does not have my authorization nor my signature to obtain this inquire.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX {$36000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acct XXXX an fraud account listed on my report is the amount of {$17000.00}. XXXX XXXX acct XXXX has a fraud account listed on my credit for {$600.00}. Discoverbank acct XXXX has a fraud account listed on my report with credit limit of {$2000.00}. XXXX XXXX has a fraud account listed on my report.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. CALIBER Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( XXXX ) The inaccurate reporting of both my account status and payment status by CALIBER Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.