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

Upon viewing my credit reports and I noticed DEPTEDXXXX ( XXXX ) had a discrepancy in the Date Opened, last reported, last active, and date of last payment section of the listing. XXXX are reporting date opened XX/XX/XXXX However XXXX is reporting date opened XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? XXXX are reporting last reported XX/XX/XXXX. However, XXXX last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? XXXX are reporting last active XX/XX/XXXX. However, XXXX last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? XXXX are reporting date of last payment XX/XX/XXXX. However, XXXX date of last payment XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? Because of this, its apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE these items immediately. Upon viewing my credit reports and I noticed USDEPT ED/ ( XXXX ) had a discrepancy in the Date opened, account status, payment status, last reported, date last active, date of last payment section of the listing. XXXX are reporting date opened XX/XX/XXXX However XXXX and Experian is reporting date opened XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different?. Experian are reporting account status Paid. However, XXXX and XXXX account status is derogatory. If this the same account, reported by the same creditor how are the statuses different? XXXX are reporting payment status Late 120 Days. However, XXXX and Experian date opened Collection/Chargeoff. If this the same account reported by the same creditor how are these payment statuses different? XXXX are reporting date last active XX/XX/XXXX. However, XXXX date last active XX/XX/XXXX. Experian, last active date XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? XXXX are reporting date of last payment XX/XX/XXXX. However, XXXX date last reported XX/XX/XXXX. Experian, last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? XXXX are reporting date last reported XX/XX/XXXX. However, XXXX date last reported XX/XX/XXXX. Experian, last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? Because of this, its apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE these items immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report And noticed I STILL have incorrect/inaccurate and fraudulent information reporting. I have address this issue with other reporting agencies and it has been remove completely, I am asking now that the same is done here. This account is hurting my ability to obtain credit. In accordance with the FCRA, my rights have been violated and I'm demanding the immediate removal of account : XXXX XXXX BANK XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This document serves as a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the practices of Experian. The following outlines the issues encountered and the violations of federal law that have occurred. 
Issue Description : I have disputed the following accounts with Experian : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX and have repeatedly requested the method of verification for these disputes. However, Experian has failed to produce the requested method of verification, which is a critical component of the dispute resolution process. This lack of response has caused significant frustration and raises concerns about the accuracy and transparency of Experian 's reporting practices. 
Violation of Federal Law : The agency reporting to Experian is in violation of federal law, specifically 15 USC 6802. This law mandates that financial institutions must provide consumers with clear and accurate information regarding their data and its verification. Experian 's failure to comply with this requirement constitutes a breach of this law and undermines consumer rights. 
In XX/XX/XXXX, an account from XXXX XXXX was deleted from my credit profile after being disputed. However, sometime in XXXX, this account was reinserted into my credit report without proper notification. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit reporting agency is required to notify the consumer in writing within 5 business days of any reinsertion of previously deleted information. This notification must include the name, address, and telephone number of the furnisher of the information, along with a statement of my right to dispute the reinsertion. 
Neither Experian nor XXXX XXXX provided me with the required written notification of this reinsertion, which is a clear violation of the FCRA. I request immediate action to investigate this matter, remove the reinserted account, and ensure compliance with federal law. 
XXXX of Disputes : The most recent dispute was submitted on XX/XX/XXXX. Despite this, no method of verification has been provided to date. This ongoing issue highlights a pattern of non-compliance and lack of accountability on the part of Experian. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure compliance with federal law. Consumers deserve transparency and accountability from credit reporting agencies, and I trust that the CFPB will address this issue promptly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX are reporting adverse information on my credit report despite me sending debt validation letters to the company and them not responding with information requested. 

on XX/XX/XXXX i requested in my letter sent certified mail I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following from you : 1. Validation of the account ( Actual Accounting ) 2. Verification of your claim against me ( a sworn affidavit or hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes, and the Federal Fair Credit Reporting Act.

3. A copy of the contract signed by both parties therefore binding both parties 4. Please also provide me with a true certified copy ( NOT photocopy ) of the original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this note has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud and or mischief. Your said failure to provide the documentation within ten ( 10 ) days, from the date above, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place ; or It has already been paid in full ; AND That any damages suffered, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.

You agree to pay all fee schedules.

Please note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, those calls could constitute harassment and I may take action under Section 1 of the Protection from Harassment Act 1997.

As such, my account was closed 2024 with no other updates since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  states that Lexis Nexis has provided them a copy of my credit file that states that I have a chapter XXXX bankruptcy that was discharged with the reference # XXXX. I spoke with a representative at lexis nexis who stated that this information was not sent to XXXX  or XXXX  and that this record is not on my lexis nexis file. Someone is furnishing incorrect information that belongs to my father XXXX XXXX XXXX. I have been trying to get the situation cleared up with XXXX  and XXXX  for 2 years and they have failed to investigate this issue and remove the record even with proof from the bankruptcy court in question and a copy of my lexis nexis report from 2019. This is my second or third complaint filed on these companies and each time they close the complaint with promises of investigating it then closed the dispute out without fixing anything. In fact they rotate between saying that the court verified this information then lexis nexis verified it. I've contacted the court and they continue to say that they do not report records so that's a lie.. I've also contacted lexis nexis who say that they do not report this information.. which is another lie.. Stop ruining people lives and understand that it is you'll civil duty to remove this record because it does not meet the FCRA guidelines.. Warning false and misleading reporting is a violation that I can seek compensation for!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were not properly investigated when I submitted a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX Equifax, XXXX, and XXXX XXXX XXXX  XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

On XX/XX/XXXX, I bought a REFUNDABLE online ticket from XXXX XXXX with the amount of ( {$1700.00} ) when I booked the flight the layover was 3 hours only so I paid based on this fact. Before the flight, I found out that there were some changes in the time schedule. I checked the change and I found out that the layover changed from 3 hours to ( 3 DAYS ) due to the COVID-19 situation. I called the airline and I canceled the ticket and I asked for a full refund. They refused so I opened a dispute ( Apple card ( Goldman Sachs ) ). And I sent all the supporting document they resolved in the merchant favor so I opened another dispute Dispute case number : XXXX on XX/XX/XXXX, and they credit me the ticket amount however, on XX/XX/XXXX, they charged me again so I called to check the resolution they told me they have not reached a decision yet so I asked them why did u charge me then and they were like we are going to escalate it to the manager so I waiting for a week but I have heard back from them so I called again and they told me they will escalate the issue. Up until now, the issue has not been resolved. The claim no. is XXXX.
Product: Credit card

I 've had my Chase card for about a year, kept a healthy balance, paid my bill on time, etc. 

You can imagine my surprise when I received a letter from chase stating that they will be closing my account because " continuing the relationship creates possible reputational risk to our company. '' My credit score is great, my bills are always paid on time, and anything I buy with this card is through Amazon ( not any questionable retailers ). If I 'm not the ideal customer I guess I do n't know what 's expected.
Product: Checking or savings account

I have received a wire transfer which was accepted and posted by Capital one to my account. The purpose of the transfer was a business loan for the amount of approximately {$25000.00} and it was under my business partner who started a small business and sponsered me to run this business and all the financial and basically I am in charge of managing the entire business and I even have an power attorney from him and the money was authorized by him to be deposited to my account and I was going to use the funds to make some purchases. Please also keep in mind the business is a sole proprietor business and using a personal account is permitted by law since is not an llc or corporation and is under my sponsor name. Capital one blocked the funds and even I have called and explained the situation multiple times, they still refused to release my funds. I understand Capital one has a right to end the relationship at anytime as is stated on the agreement and that is not my concern at all, but they dont have a right to hold the funds that legally authorized by my sponsor to be deposited to my account and I have full authority over the funds for absolutely no reason. After many contacts, still they have refused to release my money and even i was told the transfer is going to be reversed to the originator which is absolutely unacceptable. I have provided a clear explanation and clarified about the funds and ready to provide any documents of is needed, but if capital one does not have any documents or any reasonable explanation why they still have not released the funds even after I have clarified, they have to immediately release the funds to me. I am requesting capital one to immediately release the funds to me and give the money that belongs to me and I have full authority over the funds and would like to clarify again, they can not hold my funds or return them or anything to do with the funds, unless they have evidence supporting that the funds does not belong to me. I have a notarized power of attorney from the person who his name is for the transfer and he authorized the funds to be deposited to my account. Additionally, if there were any concern in regards to the name mismatch or anything else, capital one could reach out if there were any concern and if they weren't satisfy with my clarification they could have reject the deposit before being deposited into the account and I will deposit then into another account, but instead they have accepted and deposited the funds and after a few days all of a sudden they decided to investigate and place a hold on a money that does not belong to then and even still after I reached out and clarified and provided them with a power of attorney letter which proves the funds belong to me, still they did not release my funds for absolutely no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPANY REFUSED TO REMOVE AND RE-INVESTIGATE THESE DISPUTED ITEMS. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re-investigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So, I'd like your bureau to UPDATE ANDCORRECT the status of my accounts below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Account Balance : {$4200.00} Account Name : XXXX XXXX XXXX  Account Opened : XX/XX/XXXX Account Balance : {$6800.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Account Balance : {$70.00} Account Name : XXXX XXXX XXXX Account Open : XX/XX/XXXX Account Balance : {$120.00} Hard Inquiries XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX Balance XXXX {$600.00}
Product: Mortgage

To knowingly or willingly employ any device, scheme, or artifice to defraud ; ( b ) To engage in any transaction, practice, or course of business which operates as a fraud upon any person in connection with the purchase or sale of any mortgage loan ; or loan modification ( c ) To obtain property by fraud, willful misrepresentation of a future act, or false promise. ( d ) In any matter within the jurisdiction of the office, to knowingly and willfully falsify, conceal, or cover up by a trick, scheme, or device a material fact, make any false or fraudulent statement or representation, or make or use any false writing or document, knowing the same to contain any false or fraudulent statement or entry. 
To violate s. 655.922 ( 2 ), subject to ss. 494.001-494.0077. 
Commission of fraud, misrepresentation, concealment, or dishonest dealing by trick, scheme, or device ; culpable negligence ; breach of trust in any business transaction in any state, nation, or territory ; or aiding, assisting, or conspiring with any other person engaged in any such misconduct and in furtherance thereof. 
XXXX XXXX from Suntrust engaging in constant concealment and misrepresentation of facts. 
Borrower was charged for items or " Advances whit the borrower already had long paid : This complaint is to address the XXXX/XXXX/2012 $ 107.29 % XXXX/XXXX/2012 alleged advances for which the borrower already paid again part of non existent and concocted modification : 1 ) Borrower was charged {$100.00} which XXXX XXXX from Suntrust is insisting it was not paid! The receipt & even the statement from Suntrust acknowledged the payment of {$100.00} ( see attached ) 2 ) Borrower was charged again for the {$210.00} which was already paid back. The amount was subtracted by Suntrust already in from the borrower escrow balance in XXXX 2012. 
-See statement for XXXX/XXXX/2012 Escrow balance as of XXXX XXXX {$2600.00} -See statement for XXXX/XXXX/2012 XXXX/XXXX/2012 the hazard insurance is paid XXXX - {$2800.00} = - {$210.00} Same statement the payment from XX/XX/XXXX adds money to escrow + {$600.00} See escrow balance now = {$390.00} If the advance of {$210.00} would not be subtracted the escrow would be {$600.00} This is just simple math! How can XXXX Bank/Mortgage investigator be so incompetent! 
This is another {$310.00} charged to borrower for payments that were already made!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Debt collection

I have been documenting continuous attempts by this business to collect a debt that they will not verify. I have asked on multiple occasions for them to send me the information they have and they refuse to do so. They are attempting to collect on an account that is over 10 years old as far as I can tell. They are threatening me with arbitration for attempting to defraud a financial institution but can not tell me who it is that is seeking this legal action. I have contacted the supposed original creditor who has confirmed they are not taking legal action, nor is anyone they are associated with for collections. All they do is call everyone in my family, demand payment of a random amount, and threaten legal action if I do not pay. When I demand debt verification they will usually hand up and not answer further calls. Some time will pass and then they start again. 

This company has made constant calls to myself and my family for over a year now. They are aware of how to contact me and have been told to stop contacting other this the whole time yet the continue to call people that are not me. They have told me different amounts owned ranging for $ XXXX {$1600.00} each time I call them. They have told me a different company name every time, including west assent management, XXXX XXXX XXXXXXXX XXXX XXXX  and the most recent being XXXXXXXX XXXX XXXX. They do not provide an address or any identifying information about themselves. From my own research I believe they are XXXXXXXX XXXX XXXX XXXX XXXX. They call for spiffed numbers that when called back do not connect you with the company but an unmonitored line. 

I have filed multiple complaints about this company with CFPB and they never respond to the complaint nor is anything done to resolve the issue. I will be contacting other government agencies to escalate this issue. 

I was told this time that there is a filing date of XX/XX/XXXX  which I have been told previously and never received any papers/filing/summons. All paperwork is being handed over to an attorney for further review. I was told this last contact that the only way they would send me information was through email and when I asked why they said because they sent it to my address and never received respond. I verified the address with the woman I spoke with and yet nothing was sent. 

This company has multiple complaints online for harassment, collection of old or unverified debts, and lying about who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a collection account from a XXXX XXXX XXXX that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second one XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent.

I want this information removed from my XXXX  and Equifax credit reports immediately.