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

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? 

As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days.

A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 


Experian XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account Type Other XXXX Account Type Other XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX WI XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/XXXX I transferred money between my two Cash App accounts. I tried to access my secondary account but it made me create a new username for the account instead of letting me in. I have contacted support on every form of social media and emailed multiple times.Ci have received no reply beyond an automated message telling me I will be helped soon. Hoardes of people across social media are having the same problem and they have not responded for over 10 days to anyone. Cash app is blatantly stealing and not returning thousands of dollars from its clientele using this trick and needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discover this account in my credit report, I disputed, on XXXX finally was removed from XXXX and XXXX XXXX, I already submit a police report twice and all the paper work they requested, Experian refuse to remove it from my file is 12 years in my report, I been submitting, ; etterd in regards the matter with out any resolution.. 
This error is affecting my life dramatically, is also affecting me emotionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 it states i had an inquiry from XXXX XXXX XXXX XXXX but ive never ran my credit with this company and ive been asking for this to be removed since i saw the fraudulent inquiry
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Cash App ( Block , Inc. ) due to inadequate customer service, unfair practices, and failure to comply with consumer protection laws, specifically the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E. I believe Cash Apps actions have resulted in significant financial loss and inconvenience, and I seek appropriate redress.

My specific grievances include : 1. Failure to Prevent Fraud : Cash App failed to take timely and effective measures to prevent fraud on its platform, leaving my account vulnerable and unprotected. Despite clear signs of fraudulent activity, no proactive action was taken to secure my account or notify me of potential threats in a timely manner. 
2. Unfair and Deceptive Dispute Resolution : Cash Apps dispute resolution process was both unfair and deceptive. The company did not comply with the error resolution procedures mandated by the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which are designed to protect consumers in cases of unauthorized transactions or disputes. My case was mishandled, and my concerns were not addressed in a timely or effective manner. 

As a result, I have experienced significant financial loss, inconvenience, and stress. These actions and omissions constitute a violation of my consumer rights under the CFPA and other applicable regulations. 

I am seeking : A full investigation into these practices Refund or reimbursement for the financial losses incurred due to the fraudulent transactions Reparation for the harm caused by the failure of Cash App to properly address the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Today, XXXX, I noticed a hard inquiry on my Equifax credit report by XXXX XXXX on XXXX. This is an unauthorized inquiry made by XXXX XXXX  as I did not request anything from this bank in 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Come its XXXX XXXX credit card account is closed. The company is now reporting as past due not paid with a balance. On XXXX XXXX spoke with XXXX XXXX who was supposed to have a letter sent and account closed. This was not done. On XXXX XXXX spoke with XXXX XXXX option XXXX ext XXXX Says that an updated letter balance in full dated XX/XX/XXXX showing a XXXX balance. Says the account is not past due and is being reported incorrectly as there is no balance.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00}
Product: Credit card or prepaid card

Per case XXXX XXXX XXXX did issue a card, but they issued it to the wrong name. I called in and spoke with XXXX on XX/XX/2023 at XXXX PT ( case id XXXX ) who cancelled and reissued the card to the correct name, we both spelled it out on the phone phonetically. 

Today two new cards arrived, one for my self though a new card was never requested for my self. The second card also again arrived in the wrong name.

The card is still unusable as it has been issued twice in the wrong name.
Product: Credit reporting or other personal consumer reports

I am writing for XXXXwo ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had my information stolen from work and XXXX stolen from me all my other banks returned my funds however chime denied my claim and refused to return my money. i called and asked to revisit the claim because i clearly have charges on my account in my location at the same time the fraud was being done in another city. they told me that is not enough information to prove someone stole my information and they refused to revisit the dispute and when i asked for a supervisor the supervisor disconnected on me after saying she has no information for corporate. i then called back and was advised they can reopen the claim and i have attached my timesheet proof the theft happened and my timesheet
Product: Checking or savings account

My account was hacked and Ive been trying to call and chat with them but their phone numbers dont work and they keep passing me around from agent to agent and now I cant get ahold of anyone. I just want them to help me with my hacked bank account and they wont.
Product: Credit card or prepaid card

I took out a $ XXXX limit store credit with Wayfair.com in XXXX of XXXX, and ordered furniture I would need to furnish my studio. The total came to {$1000.00}. I paid {$500.00} immediately and had planned to make the following {$500.00} payment after in XXXX. I thought the bill looked suspicious, as it never even gave me my full account number. I never received a credit card either. I requested online billing, and my request wasn't honored because I didn't have a card number or a full account number. The paper bills never gave an account number to set up online billing, just the last 4 of my SSN. In almost 2 years now, I have only received 2 paper bills from Wayfair the most recent being on XX/XX/XXXX. 

I had an XXXX  XXXX in XX/XX/XXXX that lead to a XXXX. ( less than 30 days after I took out the store credit. ) I contacted Wayfair as soon as I could to let them know that my payments had been delayed by my 40 day stay in the XXXX  and ongoing XXXX care. Later I contacted them again to let them know that I have been placed on total XXXX XXXX due to my XXXX and ongoing care needs. Well, I received no paper bills or other communications about my balance and figured they'd given me a grace period. Now I have a collections bill for around {$1500.00} on a $ XXXX credit card as if I hadn't paid anything, and they are citing interest and late fees? Almost $ XXXX in interest and late fees is outrageous, and I believe it could be usury. I'd like a full investigation please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX act # XXXX
Product: Credit card or prepaid card

I received a notification from Home Depot that I still owed {$340.00} out of {$390.00}, on my due date of today XXXX XX/XX/XXXX, After making two payments which processed, of {$350.00} on XXXX XX/XX/XXXX20 and {$50.00} on XXXX XX/XX/XXXX. My payment for the XXXX due date processed on XXXX XX/XX/XXXX and I was current on my payments. I spoke with the representative XXXX XXXX, who tried to give me some nonsense that the original XXXX did not go towards the XXXX payment even when the payment was made after the XXXX cycles due date. I am tired of these credit card companies, for these stores, playing games with peoples payments. Payments received after a due date should be posted for the next month 's due date.
Product: Mortgage

I had a loan with XXXX and experienced hardship and requested a loan modification. The State of Nevada Modification Program held a hearing where XXXX stated that they did n't have the title to my property. I was halted due to the fact that they were unable to find the title for several years. 
After they claimed that they found the title it had been transferred to XXXX. I have been attempting to get my home loan modified since and their servicing agency which has been changed several times now continues to break laws governing modification and foreclosures. 
They are now stating that they have closed my file because there is a credit lock on my credit reports. 
I have confirmed with all XXXX credit bureaus that this is not the case. Although the credit bureaus wo n't give me anything in writing stating such. 
I have provided my mortgage company provider which is not DiTech a copy of my credit report from all XXXX bureaus and they refuse to accept the reports and have closed my modification file. I am now facing foreclosure.
Product: Debt collection

On XX/XX/2020 a collection debt was paid in full in the amount of {$680.00} to professional debt mediation INC on behalf of the original creditor XXXX XXXX. The debt is not valid and as of today XX/XX/2020 the debt is still being reported to ( 2 ) credit bureau 's XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute XXXX XXXX, XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX & XXXX XXXX.
Product: Debt collection

PHOENIX FINANCIAL SERVICES LLC has once again purchased old debt that has already been investigated and found to be not valid or legal. They have also been making unauthorized phone calls to my cell phone against my wishes. I have already informed them, again for the tenth time in over ten years, that this is not my debt. I have also informed them that this violates Oklahoma law, the original age of this debt is ten years old and this is way past the Oklahoma statue of limitations. Phoenix Financial has illegally placed this on my credit report with the date of service being XX/XX/2020. They know this is completely fraudulent and that I have taken legal action against them in the past for doing the exact same thing as now. They are the 4th company in ten years to harass me for this debt of which I have zero knowledge of. They have refused to produce ANY evidence for this credit file, because they have NOTHING. I will be seeking legal action against this fraud of a company for once again lowering my credit score. It is very obvious that they are taking advantage of the stressful times with Covid-19 to add old fraud to people 's credit report. They should be held criminally liable for their actions.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed/updated.

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

American Express continues to report the main card of an authorized user account I closed to my credit report. I closed the authorized user card & cancelled my affiliation with the account at the start of 2016 and they are still reporting to XXXX of the XXXX credit reporting agencies when I 'm no longer responsible for or authorized on the original main account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs is in violation of my consumer rights according to the FCRA. Pursuant to 15 USC 1666b.

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

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

I have been receiving phone calls they have been calling me multiple times of days during the week trying to collect debt. I have notified them over phone and In writing that I am not paying any debt until I receive my letter of verification of debt. Stating that I owe that debt.
Product: Mortgage

NATIONSTAR IS GUILTY OF LYING AND MISLEADING BOTH THE CONSUMER AND INVESTIGATORS ... STILL ... TO ILLEGALLY COLLECT ON A LOAN LOADED WITH FRAUD. 
****NATIONSTAR JUST ASKED FOR 5 MONTHS OF HOUSE PAYMENTS FOR 60 DAYS OF OCCUPANCY??? AND THIS IS NOT WRONGDOING??? ... COPY ATTACHED **** NATIONSTAR 'S REP, XXXX XXXX, CONFIRMED AT XXXX ON XXXX, 2016 ... THAT SHE AND EVERYONE ELSE THAT HAS RESPONDED IN 2016 ARE LYING TO THE CFPB OVER AND OVER AGAIN AND THERE IS NO BASIS OR FACT IN THEIR RESPONSES. IT IS ON THEIR RECORDED LINE ... REQUEST A COPY OF IT. 

TODAY, XXXX XXXX, 2016, WE FINALLY GOT OUR FIRST MONTHLY STATEMENT FOR 2016 ... AND IT HAS {$1300.00} IN ATTORNEY FEES ON IT AND A BALANCE DUE FOR ONE MONTH ... {$2300.00} ... YES ... THEY WANT ILLEGAL PRE-PAYMENTS TODAY ... AFTER LYING TO YOU AND UPLOADING A FRAUDULENT STATEMENT IN THEIR LAST RESPONSE OF {$940.00} XXXX, NATIONSTAR AND FREEDOM MORTGAGE ARE ALL GUILTY OF CRIMINAL RACKETEERING, LOAN FRAUD, EMBEZZLEMENT AND VIOLATING A STACK OF STATE AND FEDERAL LAWS. 

THIS HAS BEEN CONFIRMED OVER AND OVER BY THEM IN WRITING AND VERBALLY ... BUT THEY JUST WO N'T TELL YOU THE TRUTH NO MATTER WHAT. 

NATIONSTAR IS A FRAUD AND A CRIMINAL SCAM ... NOT A LEGITIMATE BUSINESS NATIONSTAR DID NOT ADDRESS ANY OF THE LOAN FRAUD ISSUES IN THE LAST COMPLAINTS. THEY HAVE NOW LIED TO THE CFPB AT LEAST 30 TIMES WHILE COMMITTING LOAN FRAUD, ESCROW FRAUD, AND ILLEGAL FORECLOSURE. 

I CAN PROVE ILLEGAL FORECLOSURE AND FRAUD USING THEIR RESPONSES. WE WERE TOLD THERE WAS NO FORECLOSURE PROCEEDING BECAUSE THEY WERE WORKING ON RESOLUTION. THEY STOPPED THE FORECLOSURE ON XXXX ... A PROCESS THEY SAID THEY NEVER STARTED. 

WE HAVE ILLEGAL PREPAYMENTS, AND ILLEGAL ISSUES THAT ARE UNADDRESSED. PLEASE HAVE THEM ADDRESS THESE ISSUES IN THE ATTACHED EXHIBITS. 

THE MOST RECENT ILLEGAL FORECLOSURE ATTEMPT WAS XXXX XXXX AND WE HAVE A COPY OF THE LETTER HERE. 

FOR THE RECORD ALSO ... I WILL ADD THAT ALL OF THE PEOPLE I HAVE MET IN THE MORTGAGE INDUSTRY HAVE PROVEN TO BE THE XXXX, XXXX, MOST DISHONEST, LOWEST FORMS OF LIFE ON THE PLANET. I FEEL SORRY FOR YOUR PARENTS ... AND ALL OF YOU ... THEY REALLY FAILED ALL OF US ... BY LEAVING US WITH ALL OF YOU.
Product: Vehicle loan or lease

Purchased a vehicle from Carvana on XX/XX/year> including their warranty coverage. Car was delivered without a hood latch, transmission overheated twice on the way home. Had to pay XXXX to have it towed to a safe location, the towing company never called or picked up the car. Informed them on the date of purchase I wanted to return the vehicle. They arranged a pickup location, had to pay another XXXX out of pocket to have the vehicle towed to their location of choice. Received a text from the pickup driver to meet at XXXX, after XXXX hours with no further contact with him after repeated attempts to reach him, the vehicle is still at the pickup location. I am now past my 7 day pickup window, thru no fault of my own and no resolution to this problem. Keep getting a runaround from Carvana 's advocate except they are sorry and can't do anything to help me. I feel I was knowingly sold a defective vehicle and they are doing everything in their power to ensure that I am unable to return the vehicle in a timely manner.