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

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously remov
ed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am making this formal compliant about Acima Leasing and an account they are continuing to try to debit my account and collect on an account I returned. 

Acima is a leasing agency and I obtained a sofa/loveseat set and requested that the items be picked up. According to Acima, you can return the merchandise with no penalty. I contacted Acima on XX/XX/XXXX requesting that the merchandise be picked up and that I was exercising my right to return the merchandise. On that day or days following, Acima agreed and sent an email on the procedures to return the merchandise, which I compiled. 

The instructions were to donate the items to a non-profit agency and that would conclude the lease agreement. I contacted a non-profit agency, XXXX XXXX, and scheduled a pick-up. The items were not picked up by XXXX and I had to take the items to XXXX for donation. 

Acima did not accept the donation receipt and have now added the items to my credit report as well as continue to debit my account without my further authorization to try to debit my account via XXXX. The very day that I asked for the items to be picked up, they added the account on my credit report for 3 times the amount of the purchase price.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : EQUIFAX : XXXX XXXX XXXX XX/XX/XXXX {$90.00} BANKRUPTCY : DISCHARGED CH-XXXX  XXXX XX/XX/XXXX {$0.00} XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Checking or savings account

I deposited via an ATM a payroll check that was written by a Bank of America account holder on XX/XX/year>. There was a hold placed until XX/XX/year>. I called asking why Bank of America needs 5 days to verify if their customer has the funds to credit my account. I asked why it takes so long and was told because of growing fraud with checks in general. This is not the first time Bank of America has taken excessive time to credit my account with funds.
Product: Credit reporting or other personal consumer reports

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

Several months ago I began pursuing a modification with DiTech Mortgage so I could keep my home. On XXXX/XXXX/XXXX I spoke with XXXX XXXX. He told me the documents they had recently requested had been received and nothing else was needed. I asked him if there was any other info I needed, he said 'no '. On XXXX/XXXX/XXXX I spoke with XXXX XXXX XXXX XXXX who told me there was a huge list of documents I needed as of XXXX/XXXX/XXXX, the very day I was told they had everything they needed. He also told me I had a sale date on my home for XXXX/XXXX/XXXX. I asked when the sale had been scheduled but he could n't tell me. I asked why I was n't informed of this on my call on XXXX/XXXX/XXXX. He did n't know that either. The same day, XXXX/XXXX/XXXX, I called back and spoke to XXXX XXXX who then told me that there was no sale date on the file and that XXXX XXXX ext XXXX was incorrect when he told me that my home would be sold on XXXX/XXXX/XXXX. Ditech is doing everything they can to steal my home without giving me a chance to get current. I 'm working with them in good faith, and they 're XXXX me around and driving me insane. They are either incompetent or liars, and either way their policies and my file should be investigated.
Product: Credit reporting or other personal consumer reports

There are billing errors on my credit report, specifically late payments that dont match my typical payment behavior. Id appreciate it if you could correct them and update my account.
Product: Money transfer, virtual currency, or money service

i sent a western union on XXXX-2017, i received call from receiver money was refunded, it was sent to XXXX to pay for hotel, tracking # XXXX, i called western union they say it was refunded, i will pick it up tomorrow, i like to know why was money refunded, because i sent money before with no problems, my name XXXX XXXX, email XXXXXXXXXXXX
Product: Debt collection

I did an investigation to my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureau does not have any input about the debt and discrepancies on the listed details of the account. 




XXXX XXXX XXXXXXXX / XXXX / {$0.00}
Product: Credit reporting

TransUnion deleted my charge-off as requested by my creditor XXXX XXXX XXXX XXXX XXXX andmyself. But they also deleted my Line of Credit which they were not suppose to, nor did I asked them to, in XX/XX/XXXX. I was applying for a mortgage loan at that time. So I most definitely would not have askedthem to delete my Line of Credit. XXXX updates my account every month and TransUnion has not addedmy Line of Credit back on my credit report. Please contact XXXX XXXX Collection Manager at XXXX XXXX XXXX XXXX at XXXX. She is eager to speak with CFPB to back up mycomplaint. TransUnion 's investigation of my dispute was completed without them contacting XXXX 
XXXX. The whole purpose of filing the dispute was to let TransUnion know that my Line of Credit wasdeleted from my credit report. TransUnion response to my dispute was that my account does notcurrently appear on my TransUnion credit report. The whole purpose of filing the dispute was lettingTransUnion know the account was not on my credit report. I am asking CFPB to go over my documentsthat i am submitting. And to have TransUnion add my Line of Credit back on my credit report. So I canreapply for my mortgage loan. I am still making on time payments which I am getting NO credit for it. Iam submitting documents showing the following : Communciation regarding the Charge-Off, My InnovisCredit Report showing my Line of Credit is still being reported. Drafts from XXXX showing in XX/XX/XXXX, XX/XX/2014 and XX/XX/XXXX that XXXX is reporting my Line of Credit. TransUnion dispute and response fromTransUnion. Email showing TransUnion did not contact XXXX XXXX at XXXX regarding my dispute. Alsomy complaint, I file against Equifax with the CFPB regarding my Line of Credit being deleted. WhichXXXX has successfully added my Line of Credit back on my credit report. And lastly I have attached my current amount that Iowe on my Line of Credit. Thank you!
Product: Credit reporting or other personal consumer reports

Reviewed my credit report after a sudden drop in my credit score. Citi card ( issued through costco ) on credit report is showing as late payments when credit card statements show payment in full on due date every month. No late fees or other indication that this is not what is occuring.
Product: Mortgage

I 'm applying for HELOC. The bank gave me three reasons why I was not approved. I satisfied all the reasons and they are still giving me the run around. The last time I applied for a loan it took them 5-6 months to approve and only after I reached out to this office.
Product: Checking or savings account

My ex husband and my XXXX XXXX XXXX daughters father died on XX/XX/XXXX. There was no will or executor for his estate and he was not married so his mother and I went to Wells Fargo on XX/XX/XXXX with the death certificate to see what, if anything we could do. 

Upon speaking to a banker, we found out that the next of kin would be his children, but since they are minors, I was able to complete a small estate affidavit and receive the funds and close the account. Once this was approved, the banker let us know that his bank account was completely empty, as an unauthorized user logged into his bank account and transferred herself all the funds. The amount she took was {$2800.00} and she took it over the days of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We filed a fraud claim with the bank and were told we would hear something within 10 days. 

Today was the XXXX day, so I went back to Wells Fargo to see if they could give me any updates. The branch manager of the XXXX, GA location was wonderful and called the claims department to find out what was going on. He was told that the claim was denied because they could not prove my ex husband didnt authorize the charges, even though he was deceased at the time they were made. Even the branch manager was upset about this and tried to explain the situation but the claims department didnt provide any more information.
Product: Checking or savings account

I have requested in-house assistance with SANTANDER concerning the accounts that were to be RETITLED. SANTANDER was XXXX XXXX  were the XXXX, XXXX XXXX XXXX, was assured by the bank that his estate plan via his Irrevocable Trust upon his death would be administered as his Trust and Last Will and Testament dictated. 

I visited at least 2 different Branches that were acquainted with the accounts and each refused my TRUST CERTIFICATE and the copy of the RETITLEMENT request from XX/XX/2008. I called on the phone to the Corporate office, spoke to DECEDENT affairs and spoke to 2 different persons from the EXECUTIVE offices who REFUSE to follow the process or rules for closing accounts and releasing funds of a deceased account holder with an duly executed ESTATE PLAN. 

The Bank is refusing me access to my inheritance and my XXXX XXXX.
Product: Checking or savings account

On XX/XX/2023 I noticed XXXX unauthorized transactions from XXXX XXXX. I went to Citizens bank, who has my checking account, and did a line by line audit with their fraud expert. I use XXXX and filtered out my transactions from the unauthorized ones. The bank has a copy of my XXXX transactions. They froze my account and card, and issued me a new debit card and checking account. Overall there were XXXX transactions totaling over {$13000.00}. 

My claim was denied and the bank would cancel my card numerous times without warning, denying my access from my funds. Id have to wait days to get issued a new card. This occurre 5 times in 1 month. Eventually they refused to give me a debit card at all. The only way I could access my money was with cash withdrawals using my ID. Im a US veteran and that was the money I had saved from XXXX. And my own bank was holding it XXXX and refusing to help me. In addition I have a XXXX  son at home. If he needed something, Id have to wait till the bank would open to get money and purchase items for him. Eventually they closed all my accounts ( without authorization from me and without resolving my many disputes ) and sent me a check with my remaining balances. I still dont have any explanation as to why they denied my claims even though I provided them clear documentation that those trans were not me and I did not authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have the following personal statement " XXXX XXXX XXXX is a fraudulent mortgage account in my name '' added to the XXXX XXXX Account being reported by Experian. I have mailed numerous letters to Experian requesting a personal statement be added since XX/XX/2020. Experian after I filed a CFPB complaint now responds on XX/XX/2020 that if I want a personal statement added to this XXXX XXXX XXXX account being reported then I can submit it. I have already mailed five letters asking for my personal statement to be added months ago. It is now XX/XX/2020 only five days from XX/XX/2020 and Experian has not added my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus XXXX, Equifax, and XXXX  will not remove the below account from my credit report. A payment and settlement was made in XX/XX/2020. The creditor agreed to remove/delete from my credit report upon receiving payment. To date that still has not been done. The credit bureaus are reporting a payment made but are still reporting it. This should be removed from all three reports. The creditor/collector has not stood behind their word of deleting from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX USA ( XXXX ) XXXX
Product: Credit card

I received a letter stating that I have a balance due on a discharged account.

Form 1099c was issued for the discharge of the account in question, in accordance with 26 CFR 1.6050P-1. As the debt has been officially discharged, this agency is prohibited from collecting any payments on the discharged account.

Any attempt to collect payments on a discharged account would be in violation of the regulations set forth under 22 CFR Part 1306.
Product: Credit card or prepaid card

have attempted to contact Bank of America multiple times in regards to my XXXX card they have my account locked and it has been in the status for many months now they keep referring me out to the bank which I have already been and no change to the account still They have sent me a letter indicating that a prior claim dispute was denied or closed and now has been evaluated and reopened on their end that I need to contact them at the number provided on the letter in order for them to authenticate my identification over the phone however when calling they refuse to honor the letter and say that on there and theres no letter being sent out according to notation however I have a copy of this letter which I will provide
Product: Credit reporting or other personal consumer reports

These addresses need to be removed they are over XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX This is my employer from high school and needs to be removed US ATTORNEY OFF My current employer is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I've continuously tried to resolve this issue with the CRA 's. I asked for them to complete a investigation of all the accounts in question and they responded claiming they have verified them all. It has been more than 90 days and they are still reporting Fraudulent and Inaccurate information. 

- DATE LAST ACTIVE is not CONSISTENT100 % ACCURATE through all 3 bureaus - LAST REPORTED DATE is not CONSISTENT 100 % ACCURATE through all 3 bureaus - ALL ACCOUNTS NOT REPORTING TO ALL 3 BUREAUS - SUMMARY BALANCES are not CONSISTENT 100 % ACCURATE I filed a FTC Report they received via certified mail. I have sent numerous letters expressing the FCRA codes they are VIOLATING furnishing this information without my written consent. As well asking them via phone to remove the information. They have yet to provide me a method of verification that verifies the information which they can not fund because THIS IS FRAUD!! 

FCRA codes they are VIOLATING : - 15 U.S.C 1681 Section 602 A. : I have the right to privacy - 15 U.S.C 1681 Section 604 A. Consumer Reporting Agencies can not furnish a account - 15 U.S.C 1681i. If, 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 promptly delete that item of information!!!
Product: Checking or savings account

From Wednesday, XXXX the XXXX to today, Friday the XXXX, I was unable to have deposits thus making me unable to pay my bills ; I also incurred extra fees due to it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15U.S.C.1681Section 604 ( a ) Section 2.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
Account XXXX : XXXX XXXX filed in XXXX, Texas. 
Addresses : XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Texas XXXX. 
15 U.S.C. 1682 Section-2 ( A ) ( 1 ). 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US DIST CT Bankruptcy XXXX XXXX XXXX Reference # : XXXX ; US DIST CT Bankruptcy : Dismissed XXXX Reference # : XXXX ; U.S. Bankruptcy Court XXXX  XXXX bankruptcydismissed Reference # XXXX XXXX ; U.S. Bankruptcy Court XXXX XXXX XXXX  Reference # XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX # XXXX {$4100.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$960.00} XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX : {$1900.00} Originator Creditor : XXXX XXXX XXXX XXXXAccount Number # XXXX XXXX  XXXX XXXX XXXXccount XXXX XXXXXXXX Balance : {$98.00} Originator Creditor : XXXXXXXX XXXX XXXX XXXXAccount Number # XXXX XXXX XXXX- Account # XXXX - Balance : {$970.00} Originator Creditor : XXXX XXXX XXXXXXXX XXXX XXXX-Account Number # XXXX XXXX  XXXX XXXX XXXX XXXX-Account # XXXX -Balance : {$90.00} Originator XXXX : XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX - Account # XXXX 15 U.S.C 1681 Section 602 A. 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 a 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 ) ( 1 ) 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.
Product: Prepaid card

My Regions NOW prepaid card has been closed and I still haven't received my remaining funds on my account.
Product: Credit reporting or other personal consumer reports

I paid {$38.00} for prints, postage and envelopes to send dispute letters to XXXX, Equifax and XXXX on or around XX/XX/year>. I was told my letters were discarded and that I had to submit letters online for disputes or stay on the phone and read disputes one by one.
Product: Credit reporting or other personal consumer reports

I did not authorize INFORMATIVE RESEARCH to run my credit.