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

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Description of Verification Procedure under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Experian Consumer Relations & Legal Department, I am writing regarding my recent dispute concerning inaccuracies on my credit report. As per your response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), you stated that the item in question has been verified as accurate. However, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to verify the accuracy and completeness of the disputed information. 

The details of the dispute are as follows : CFPB Complaint ID : XXXX Complaint Open Date : XX/XX/XXXX Complaint Closed Date : XX/XX/XXXX Item/Account Disputed : XXXX XXXX XXXX I hereby formally request a detailed explanation of the procedures XXXX employed to verify the accuracy and completeness of the disputed item. Specifically, I request : XXXX. A detailed description of all steps taken during the verification process. 
XXXX. Documentation of all individuals and entities contacted, including names, roles, and contact information. 
XXXX. Copies of any correspondence, including emails, mailings, or call logs, used in the verification process. 
XXXX. A summary of the evidence or data that was used to verify the accuracy of the disputed item. 

As required under the FCRA, and in light of the recent lawsuit by the CFPB regarding Experian conducting Sham investigations, and XXXX being fined by the CFPB for failing to conduct adequate investigations of disputed information in credit reports, I expect this information to be provided promptly. If you fail to comply, I will take further action, which includes seeking additional assistance from the CFPB or other appropriate authorities. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I disputed the incorrect personal information with the 3 consumer reporting agencies Equifax, XXXX, XXXX XXXX in XX/XX/2024. They are reporting incorrect names, addresses and employment. I am requesting my information reports correctly on my consumer reports with one name address and no employment.
Product: Debt collection

Kept calling my using multiple numbers multiple times a day even after I told them that I did not order services from the place they say I owe money to. I finally got it to stop, by blocking all of their numbers.
Product: Debt collection

Received an email on XX/XX/XXXX from Ross Financial Recovery Group XXXX. XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX, claiming I owed {$200.00}. The address turned out to be a corner cafe in what looks like a residential neighborhood. Three calls resulted in a different person with XXXX XXXX accents each time. 

Previously owed {$350.00} to XXXX XXXX, which was paid in full XX/XX/XXXX to XXXX XXXX in XXXX XXXX. After going through all credit channels, XXXX XXXX confirmed on XX/XX/XXXX payment was previously accepted. 

I was informed by XXXX XXXXXXXX that Ross Financial Recovery Group was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX student loans used to appear on my credit report. I called and emailed and asked for proof of the loan. I received correspondence that stated there was no original loan proof and the debt was removed from my credit report. About a years time went by and just last year XXXX XXXX XXXX XXXX appeared on my credit report stating I owe {$69000.00}. I have requested proof source and have not received anything.
Product: Debt collection

Credit Control , LLC XXXX XXXX XXXX XXXX  violated the cease and desist letter sent OnXX/XX/2024 to XXXX XXXX XXXX XXXX Debt Collector License Number : XXXX XXXX. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this sub-chapter with respect to any person is liable to such person in an amount equal to the sum of XXXX  ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} XXXX. TERMS & CONDITIONS plus a XXXX XXXX interest rate on unpaid balance, plus {$50.00} per day for nonpayment, plus a {$100.00} billing fee. 
Notice : Failure to send payment, within XXXX ( XXXX ) days of the date shown above, is regarded as your acceptance of these terms and your agreement to compensate me as indicated above. 


and i sent Contract with Debt Collectors Demand Notice a Recession and Creation of a New Contract dated XXXX XXXX, 2024, giving Credit Control XXXX  days to respond, which they never did, the contract is binding for non response, they owe me {$500.00} a month plus interest for late fees
Product: Credit card

On XX/XX/2023, I made two purchases worth {$1000.00} each. One of these purchases was credited to the balance from the previous month 's statement. 
Although I received the {$1000.00} credit, I am confused as to why Wells Fargo applied a non-existent {$1000.00} to my XXXX statement balance. 
The purchase and credit amounts should be settled within the same month. Applying a credit issued in XXXX to a previous statement balance is strange and unusual because the credit does not represent an actual payment received by Wells Fargo from my bank. 
The {$1000.00} is merely a numerical transaction affecting the total amount owed for a specific month. 
The {$1000.00} credit can not be applied anywhere until the {$1000.00} transaction is paid, so it is unclear how an unpaid credit ( strange to even describe it ) can be used to pay an actual statement balance. 
Although technically this practice may help the credit card user, because it delays paying the amount owed, the practice is simply strange and confusing for a consumer.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, a consumer and a natural person, have fallen victim to identity theft. XXXX, XXXX, and Equifax have utilized and shared my consumer report without obtaining my authorization, consent, or written consent. These agencies have permitted companies to distribute my nonpublic personal information without my approval. It is essential to recognize that Congress firmly upholds a consumer 's Right to Privacy. However, XXXX, XXXX, and Equifax have infringed upon my federally protected privacy rights by failing to fulfill the requirements set by Congress to exercise their significant responsibility concerning the confidentiality of my personal data. The Fair Credit Reporting Act was established to guarantee that consumer reporting agencies carry out their substantial responsibilities with fairness, impartiality, and respect for consumers " Right to Privacy. Regrettably, XXXX, XXXX, and Equifax are currently in direct violation of both the FCRA and the Gramm-Leach-Bliley Act of 1999.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX and account reported from : Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry - XXXX Reason : The inquiries was not authorize. Please remove it from my credit report. 


ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND XXXX EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( XXXX ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( XXXX ), AS WELL AS EVERY AND XXXX EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello the XXXX XXXX XXXX  account listed on my XXXX credit report was charged off in XXXX and was recently settled and paid. It is now reporting in the payment history listed on XXXX as charged off in XX/XX/XXXX when in fact it was settled and paid in XX/XX/XXXX. Transunion shows no payment history for this account and the status as paid and XXXX has it showing as account status charged off. I have the right to accurate complete 100 percent verifiable information on my credit report per FCRA. This account is also a negative account that is more than 7 years old and outdated information appearing on my report is a violation of FCRA. Please see attached copies of my XXXX XXXX and transunion reports regarding this account. Thank you.
Product: Mortgage

Bank of America is my mortgage servicer. An individual named XXXX XXXX has acquired title to the property via fraud and I have filed a case in district court. 
Mr. XXXX has my social security number and is ordering payoffs through Bank of Americas automated system. They are having the payoffs sent to the title company. XXXX XXXX. They have done nothing with the 40 plus  complaints I have made since XX/XX/XXXX. Each day that I call they let me know an investigator will call. This has been going on since XX/XX/XXXX They are doing nothing and have shared my non public information with bunches of people that I didn't authorize. Please Help?
Product: Credit reporting, credit repair services, or other personal consumer reports

First this account is not mine. Second, it has been reported different on each credit report. One says open, one says closed, and the payment history is different on all three. 
15 U.S.C. Sec. 1681i ( a ( delete if inaccurate ) I have reported this and nothing has been done.

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

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: Debt collection

XXXX. They are making repeated calls to me every day and harassing me. 
XXXX. They sent me a letter in the mail saying I owe {$3000.00}. My original payment principal was {$1100.00}. They also charged me a late fee of {$380.00}, which is more than my installment payment amounts. This is outrageous and an attempt to take advantage of a customer. I want the payment lowered back to the principal immediately. My hours at work have been significantly reduced, and I am unable to pay the installment amounts and definitely will not be paying the extra fees they have tacked on. 

They need to work with me on payments I can afford over time, and they need to reduce the amount I owe by reducing the extra fees they tacked on. I also want the harassing calls to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, on XX/XX/2021 I attempted to pay my credit card bill at the bank of America atm located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I inserted 30 XXXX XXXX XXXX bills totaling {$300.00}. The atm machine stated that we apologize for the inconvenience we are unable to process your request & unable to return items. Since then, only {$180.00} has been credited to my account which isnt nearly what I deposited. There is a camera at that atm machine. The footage needs to be pulled along with the bank logs. I have been unable to make an appt at the branch or get in contact with anyone. This has gone on far too long. I have filed a complaint with theXX/XX/XXXX & intend on filing one with the CFPB. Since being a customer, I have never made a payment that minimum. We are in a pandemic and those funds can go towards me taking care of my family. Your financial institution has become negligent and simply have ignored my concerns. This situation needs to be rectified immediately. I have wasted countless hours contacting BOA to no avail of them fixing this issue. Please advise next course of action. Please find attached atm screenshot and transaction ticket from atm.
Product: Student loan

I paid the loan in full on XX/XX/XXXX using the pay loan in full option. The XXXX account number is XXXX. 

I received mail saying an additional XXXX was owed. 

I called and was told I had not paid correctly. They also told me that the amount to repay had grown to XXXX and that if I logged in I would see the pay off amount as of today and a " pay loan in full button ''. I logged in and saw neither. Instead it showed an account balance of XXXX as of today. If I went to a secondary screen it showed the XXXX. I have the following comments : 1 ) This is a scheme to make more interest and collect late payments. 
2 ) If I had paid the XXXX specified in the letter and on the screen, I would owe XXXX cents next month and if I did n't know that I should pay XXXX cents or I forgot I would be charged a late fee. 
3 ) This is n't as bad as what XXXX XXXX did but I bet they have made XXXX stringing people out on interest and late fees. 
4 ) I have screen shots of what was displayed. 

XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters to XXXX  to request debt validation documents and the company has not provided me with any documentation that supports any derogatory marks are valid. They only update remarks with limited information on how they validated the account. The first letter was sent out on XX/XX/XXXX and I received no response. The second letter was sent XX/XX/XXXX and still received no verification documents. I called XXXX  the third week of XXXX which they claim they never received not one of my letters until I talked to a manager and he claimed my letters were received and being handled. Still haven't heard anything from XXXX. XXXX XXXX  accounts should be removed immediately as these accounts were reported fraudulent on XX/XX/XXXX and removed..
Product: Credit card

On XX/XX/year> I transferred {$3000.00} from my XXXX credit card to Wells Fargo credit card. The balance transfer went through but the {$3000.00} is also still showing up on my XXXX card. Have called both companies multiple times each month with the same answer. 

Wells Fargo has told me that the money got sent to XXXX ( confirmation of balance transfer : XXXX ). Trace number XXXX. 

XXXX still says they dont have any record of a balance transfer despite Wells Fargo saying the money was sent to the correct card ( after verifying the card number multiple times ).
Product: Student loan

On XX/XX/XXXX, I received a letter from fedloan instructing me to complete my annual Public Student Loan Forgiveness income re certification. I submitted that information via fax on XX/XX/XXXX. Thereafter, I received an email from Fedloan stating that my recertification period expired because I had not responded with 90 days. That was inaccurate I re-submitted my annual certification information directly to the Department of Education on XX/XX/XXXX. DoE emailed me on XX/XX/XXXX stating, Your Servicer Is Processing Your Application. 
On XX/XX/XXXX, I sent a message to Fedloan through the its web based, online messaging system inquiring about the discrepancy. At XXXXXXXX XXXX  on XX/XX/XXXX, I received an email in response stating, " our current Income-Driven Repayment ( IDR ) schedule has been extended by six months. Your application is currently on hold because your current Revised Pay As You Earn ( REPAYE ) repayment plan does not expire until XX/XX/XXXX. Once the 12th bill on your current schedule is generated, we will begin to process your recertification request. '' I called Fedloan 's 1-800-dead-end number today, XX/XX/XXXX. I was told that the XXXX, XX/XX/XXXX email was NOT from FEdloan and is a scam. I was further told to expect an email with more information on XX/XX/XXXX. My Fedloan.com account currently provides this information, We received your IDR request on XX/XX/XXXX. We will review your request and send a follow up email by XX/XX/XXXX. This email will detail next steps and any additional actions needed This information seems un-credible and inaccurate. 
A new representative ( " XXXX '' ) told me I would restart payments on XX/XX/XXXX because the recently announced covid forbearance extension is not official-official. XXXX specifically disclaimed any forthcoming XX/XX/XXXX email. 
Ugh! So typical of Fedloan. Little help
Product: Checking or savings account

First for the record I have been with Bank of America since XXXX. Bank of America has placed a {$880000.00} pending hold on my checking account as some sort of fraud review hold or something and they arent willing to fix the situation. This all started on XXXX XXXX. I literal woke up to an account being negative XXXX. Didnt receive any notification, email or any type of alert from BOA.

I immediately drove to the bank and was told that the only way to solve this was to call a number. Ive been calling all the numbers given to me for over 30 days now. Ive been hung up on countless times, forwarded constantly and passed around between departments that just keep forwarding me or hanging up on me.

I keep getting told there is no flag or risk on the account, just the hold, but no one knows how to remove it.

The only information the BOA employees can provide is that its on  hold for a loan deposit amount of XXXX from XXXX XXXX on XX/XX/XXXX and that the bank who sent it flagged it as fraud. So I even called XXXX XXXX the other bank who sent the money and they stated they havent not sent them anything and there are no flags on my accounts with them. I even volunteered and provided BOA with documentation supporting the deposit, and that was over a month ago. They did admit they received my email on XX/XX/XXXX. Yet nothing else has changed and Im just out of {$3600.00}. At this point I dont want to bank with them anymore I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

These Companies pull my credit and view my credit without my consent WestLake Service INC, GM FINANCIAL
Product: Checking or savings account

I closed my account on XX/XX/2018, got a check & have a closing statement. SS sent a check to the bank, {$650.00} on XX/XX/2018, which should have been returned but the bank reopened my account with out my knowledge or permission, than allowed withdraws that were not owed. I sold my house in XXXX closed all accounts & moved out of Tn. the XX/XX/XXXX yet they allowed money taken in XXXX & XXXX. The bank made the mistakes not me but now do not want to give me my money back.
Product: Checking or savings account

Chase closed my account and I had {$1800.00} in my account that I needed for rent. They did not give it back and this happened in XXXX of 2024. I still have not received my money
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XX/XX/XXXXcomplies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate. 

XX/XX/XXXX XXXX XXXX XXXX
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. 

Account name : " XXXX " Account # : XXXX, Account name : " XXXX XXXX XXXX XXXX '' Account # : XXXX Account name : " XXXX XXXX XXXX '' Account # : XXXX Account name : " XXXX '' Account # : XXXX Account name : " XXXX XXXX XXXX XXXX '' Account # '' XXXX has violated my rights. 

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.