23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021, I was a victim of a phone scam. Some person pretended to be Navy Federal Credit union and asked for a pin that they were about to send me from their fraud Department. After getting a pin I relayed it to the representative and the phone hung up. A few hours later Navy Federal called me and said I was a victim of fraud. I proceeded to file the fraud claim and was told I would be reimbursed within 10 business days. As of today it has been over a month and I have reached out over 30 times requiring about my reimbursement and the only thing I was told is that it is pending. This has cause me severe XXXX in which I literally had to get medication for and this is not the treatment that I think a war vet would get from his own credit union
Product: Debt collection

This debt was paid through XXXX XXXX XXXX over the phone payment. On XX/XX/20 Tracking number for this payment is Tracking Number : XXXX. I spoke with some one from allied collection service a few weeks later ( Cant Remember the date or the name of employee i spoke with ) and asked them did they receive the payment confirmation from XXXX XXXX that this account was paid in full. They stated that did not received the email confirmation letting ( Allied Collection Services ) that it was paid. I Then again Spoke with XXXX and they stated that, they tried to reach ( allied Collection services ) over the phone and email. They haven't heard back from anyone from there offices. I Checked my credit report and Allied Collection Services is still reporting this account is not paid in full. Which it is. I Should not be responsible for paying allied collection service a extra {$89.00} for mistake. THIS ACCOUNT WAS PAID THROUGH THE ORIGINAL CREDITOR XXXX XXXX XXXX. I WOULD LIKE IF ALLIED COLLECTION SERVICE WOULD DELETE THIS OFF MY CREDIT REPORT. TO WHOEVER THEY REPORT TOO. There is two attachment attached 1. From XXXX XXXX XXXX showing the money coming out my account. 2. Email from XXXX XXXX XXXX stated the money was paid in full.
Product: Money transfer, virtual currency, or money service

I get two pensions and Social Security and when these checks are due if the date falls on a Saturday or Sunday they dont release the money till the following Monday. Other previous coworkers get all there checks from same pension fund on time from two different banks
Product: Credit reporting

I was trying to get my free credit report..but it came upon some security question, that none of those questions were related to me at all..How can i fix this.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is govern by 15 USC and they violated my rights numerous of times.

I demand the accounts listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that I was not permitted to access my account because I asked for clarification of my credit score with Experian. On XX/XX/XXXX, I sent a request to Experian asking for clarification of their credit score because the score they provided my wife and me was approximately 50 points below that of other ratings, although all the ratings were high. Immediately afterwards I was not able to login to my account with Experien. Experian continued to send me notices that my account was being updated but I was still unable to login to my account although I was being charged for the account. I sent other email requests for assistance, none was given. Today XX/XX/XXXX, I talked with their customer support after holding for over an hour, then was transferred to their membership support and waited another hour on hold. I was told they had no answer as to why I could not login to my account but that I could cancel my previous account ( one I have had for approximately a decade ), and open a new account. They would cancel my old account. I asked that my old account be cancelled and they send me information about a new account, and they said they could not send me information about a new account. I asked to talk with a supervisor and waited on hold for nearly half an hour. She indicated they were moving to a new system but that should not have affected my account since I had not been moved as yet. I asked to offer a formal complaint about their services and she apparently took that down but when I asked would I receive a response, she did not indicate anything. For me this is the poorest customer service I have ever received, particularly for a long-standing client who was paying for the service with an automatic withdrawal. I hope you will look into their practices since Experian seems out of step with other credit ratings ( XXXX XXXX and XXXX XXXX ) while Experian was XXXX or so over several years. I am retired, have no debt, and receive a decent income from retirement sources and rental property. It appears that I was not permitted to access my account because I asked for clarification of my credit score.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am XXXX XXXX and I am a natural person. This is me, the actual person submitting this dispute, not a third party. I am writing to formally request the immediate removal of an erroneous account reported by loan servicer Dept of Ed/Aidvantage , account number XXXX from my credit report. Despite my numerous attempts to resolve this issue over the past year through multiple disputes, Dept Ed ( Aidvantage ) has consistently failed to produce the original promissory note and instrument of indebtedness that validates this alleged debt. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and integrity of the information included in consumer reports. Specifically, under 15 U.S.C. 1681i, credit bureaus must reinvestigate the accuracy of the disputed information, and if the information can not be verified, it must be deleted. Aidvantage 's inability to provide the necessary documentation to substantiate this debt clearly indicates that this account is unverifiable and thus must be removed. The failure to provide a promissory note and original instrument of indebtedness also contravenes the provisions under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which mandates clear documentation and transparency of loan agreements. The absence of these critical documents raises substantial doubt about the legitimacy of the reported debt. Furthermore, the Federal Trade Commission ( FTC ) has repeatedly affirmed in various rulings that credit reporting agencies must delete unverifiable information. In the landmark case of XXXXXXXX XXXX XXXXXXXX, the court underscored the necessity of credit bureaus conducting a reasonable reinvestigation into disputed debts. The court ruled that failure to perform such an investigation or to correct inaccuracies constitutes a violation of the FCRA. This case sets a clear precedent for the requirement to remove unverifiable accounts, such as the one in question. Moreover, the case oXXXX XXXX XXXX XXXXXXXX XXXX XXXX further emphasizes that consumers are entitled to accurate credit reporting and that credit reporting agencies must take action to correct or delete unverifiable information from their reports.
Product: Debt collection

I recieved a phone call from Recievable Recovery Services LLC on the XXXX of XXXX. They told me they were collecting debt in the amount of XXXX cents from XXXX XXXX Hospital services. I informed them if the debt was indeed real it was XXXX debt and I would make an effort to pay. I asked for an itemized bill to prove the debt was real. They tried to settle and I demanded a paper bill. They called me again today, on XX/XX/XXXX and again attempted to collect the debt. They said they had sent an itemized bill. I told them I didnt have that money and had not seen the bill yet. They offered again to settle for around 1400 dollars. The worker asked me to put it on a credit card, to cash put my 401k, and to borrow the money from a family member. I explained to her she was not my only creditor and was trying to collect the same debt another creditor had called about and that I could give her XXXX dollars a month until I was in a better position. She told me that was unacceptable. She informed me they would credit report no matter what I paid and when I asked what would happen other than that she refused to tell me. She also refused to allow me to speak to a manager. Different phone numbers were used for the phone calls and niether number works when dialed back. I never recieved a notice to dispute the debt and when I looked at her itemized bill it only shows the hospital name and the amount they say I owe with dates. There is no phone number on the bill or an account number specific to the company that I can tell and no information on how I can make a payment, just a stamp with their address and company name on it. She was abusive and inappropriate in her attempts to collect debt on XXXX  XXXX   without ever proving to me there was a real debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To who may interest : I applied for my credit report to buy my first home I am residing in XXXX XXXX since XX/XX/XXXX and I sent evidence of the XXXX boarding pass, also evidence of a XXXX Police Ticket. 
I resided at XXXX XXXX XXXX. XXXX, XXXX. XXXX. I need the following accounts to be investigated and removed from my Credit Report. These accounts belong to another person because I have not applied either in XXXX or in XXXX these two accounts belong to my wife XXXX XXXX XXXX XXXX. 
These are the accounts that have to be removed in the name of XXXX XXXX. 
XXXX XXXX went through the worst catastrophe Hurricane Maria and me and my family need to buy my first safe home and these accounts are affecting me to buy my Safe Home. 

This are the accounts : 1. XXXX XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX 2.XXXX XXXX {$5900.00} XXXX XXXX XXXX 3 . XXXX {$490.00} XXXX XXXX XXXX .4.XXXX {$350.00} XXXX XXXX   XXXX 5. XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see identity theft report. I have consistently disputed fraudulent accounts thats are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Payday loan

I made a HUGE mistake of taking a loan out with these scam artists, I was approved for a {$1000.00} loan, and I was told that there would be a {$350.00} finance charge, and although that seemed high, I agreed. 

What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure NOT visible at the time I accepted this loan showed an APR of, and this is not a typo either, 779.0804 % and that the total repayment amount for my {$1000.00} loan would be {$9900.00}. 

After realizing what I had gotten myself into, I started looking online and saw what kind of company this is, they are a predatory lender engaged in illegal business practices. 

I am a single mom ( so single income ) with XXXX children and no child support. I will not be able to eat or feed my children if i have to pay this ridiculous finance charge. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # starting with XXXX, XXXX  XXXX XXXX Account # starting with XXXX, XXXX XXXX  Account # starting with XXXX, XXXX XXXXXXXX Account Ending in XXXX, and XXXX XXXX Account # starting in 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 an account without my written instructions.
Product: Debt collection

This debt is in an open case for bankruptcy. This case was reopened with the bankruptcy courts and all collection efforts should cease. The company was previously notified of this, but continues to send written communication and call daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of my accounts were paid in full, I never closed them. Wrong address and my name is incorrect. Bankruptcy information is incorrect.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Immediate Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to inform you of the deletion of a {$530.00} XXXX XXXX charge-off account from my XXXX credit report. The dispute regarding this account was investigated, and the results of the investigation, completed on XX/XX/year>, concluded that the account was deleted from my XXXX report. 

As XXXX has determined that the account is unverifiable and has deleted it from my report, I am requesting that your credit reporting agency also remove this account from my credit file. Since the account is no longer verified by XXXX, it is now considered unverifiable, and as such, it should not appear on any credit report, including yours. 

Legal Rights : FCRA Section 1681i : According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes an item on their credit report, the credit reporting agency is required to conduct a reasonable investigation. If the disputed item can not be verified, it must be removed. XXXX has deleted the account because it was unverifiable, and you are required to do the same. 

FCRA Section 1681e ( b ) : Under this section, you must ensure the accuracy of the information you report to credit bureaus. If you are unable to verify an account, you must remove it from the credit report within 30 days of notification.

Right to Sue : If this unverifiable account is not removed within 30 days from the date of this letter, I will exercise my legal rights under the FCRA and may file a lawsuit for damages, including actual damages, punitive damages, and attorneys fees. The FCRA provides for compensation in the event of a violation of my rights, including failure to properly investigate and remove unverifiable information. 

Request for Action : I request that you remove the {$530.00} XXXX XXXX charge-off from my credit report within 30 days of receipt of this letter, in accordance with the FCRA. If the account is not removed within that time frame, I will pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as initiating legal action if necessary. 

Please provide written confirmation when the account has been removed, or explain why it has not been deleted in accordance with the law. I will be monitoring my credit reports for compliance. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

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

This business used my information without my knowledge or approval. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked Rocket Mortgage, LLC, XXXX and XXXX XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

Rocket Mortgage LLC Via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX
Product: Credit reporting or other personal consumer reports

Acima. Sold the debt to XXXX XXXX XXXX without any letters or emails I paid the settle ment they offered. And the email clearly state trade line will be deleted upon payment/settlement. No one answers me or can give me a correct answer. When i have proof of a email stating it would be deleted upon payment. And i still havent seen it get deleted. Most unprofessional group. Threatening to sue me. Knew everything about my finances. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX : Capital One ( my customer # XXXX ) approved me for a capital one platinum card with a deposit of {$200.00} dollars do by XX/XX/year>. That is not consumer credit that has m entitled to by customer law.. I'm being denied access to a higher credit limit and asked to pay {$200.00} dollars for a small amount of credit issued by Capital One that has nothing to do with the consumer transaction. XXXX XXXX XXXX & XXXX SAYS I CANT HE DENIED CREDIT DUE TO XXXX XXXX, CREDIT HISTORY OR INCOME. Capital one definitely looked at my credit score.. XXXX XXXX XXXX XXXX False and Misleading Denial of my own credit. The entire consumer transaction was predicted on the consumer credit unlimited credit.I would like a listing of all of the factors that were involved in this consumer transaction it was not a credit transaction it is a consumer transaction... I would like to access a portion of my unlimited consumer credit...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following companies : XXXX, and experian letters regarding inaccurate items on my credit report. I sent this letter on XX/XX/21 and I haven't received a response yet from either company in 60 days! I know that if the investigation isn't responded to in 30 days it should be deleted off my report but with Covid-19 into play the timeline is extended to 60 days but it has been 61 days and i still haven't received a response! I demand these be removed from my consumer report.
Product: Mortgage

Our mortgage payments with Loan Depot have never been late nor missed. Until XXXX, our payments were made through an electronic debit from our banking institution. Payment for XXXX was posted and processed. Payment for XXXX was processed as a second payment for XXXX, which I was initially told my banking account was closed. I received and sent verification my account was active and never closed. Since the XXXX payment was posted as a second XXXX payment, it has been showing our mortgage is one month behind. I have ongoing emails, expressed mailing and faxed verification to rectify this problem. My bank account has been active since XXXX. Verifiable transmittal reports for XXXX and XXXX, and check tracer numbers for XXXX and XXXX have been submitted. Loan Depot continuously call and harass us even for the XXXX payment, which was paid via on line and show posted from checking account on XX/XX/XXXX. Again, I have sent the check tracer numbers and have continuously tried to show my account was never closed, nor were there funds reversed or my payment refunded back to my account. XXXX and XXXX mortgage payments have been made. XXXX payment was sent expressed mail and noted specifically for XXXX payment, yet Loan Depot processed it as XXXX 's payments and now our account reflect our XXXX payment is due when it should not be. All payments have been processed, we never missed a payment, my account has never been closed. I have continuously been receiving collection calls after requesting to speak with supervisor with Loan Depot. Verifiable payments, banking transactions and statements shows active account with confirmation of faxes with documents from my banking institution have all gone unresolved. My mortgage is not late, never have been. The error is : The mortgage company processing department applied the XXXX payment to XXXX 's payment which had already been received and processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize ; then again on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is not a delay ; this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There also was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX  must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, this writer contacted Westlake Financial Services Credit Bureau Department via email and requested they NOT list any accounts pertaining to me derogatory or not, to any of the ( 3 ) main major credit reporting bureaus pending a internal investigation by their Dealer Compliance Department into a ( fraudulent buyer contract ) intentionally misrepresented and prepared by the dealer. 

The next day on XX/XX/2021, Westlake Financial Services aggressively ignored the email request and listed the account debt to all ( 3 ) major credit reporting bureaus. 

Since that time this writer had filed disputes with the ( 3 ) credit bureaus and also filed a complaint with the Federal Consumer Protection Finance Bureau. 

On XX/XX/2021, Westlake Financial Services Director of Dealer Compliance ( XXXX XXXX ) responded to the Federal complaint ( see attach. ) by falsely stating that the loan or contract in question had been 'sold back ' to the dealer and that there would NOT be ANY CREDIT REPORTING TO THE CREDIT BUREAUS. 

AS THIS WRITER PREPARES THIS STATEMENT, THERE IS A CURRENT PENDING DISPUTE WITH XXXX TO HAVE THE ACCOUNT REPORTED BY WESTLAKE FINANCIAL SERVICES ON OR AROUND XX/XX/2021, REMOVED. 

ON XX/XX/2021, THIS WRITER ALSO RECEIVED A LETTER FROM WESTLAKE FINANCIAL SERVICES COPIED TO THE DEALERSHIP ( XXXX XXXX XXXX  ) STATING THE CONTRACT WAS NOW 'RE-ASSIGNED ', NOT SOLD BACK TO DEALERSHIP AND THAT I ( Buyer ) WAS STILL LIABLE FOR A FRAUDULENT CONTRACT. 

I'M ASKING FOR AS VERIFIABLE PROOF, WESTLAKE FINANCIAL SERVICES SUBMIT DOCUMENTATION SHOWING WERE THIS WRITER ( BUYER ) DEPOSITED ( {$7000.00} ) DOLLARS DOWN ORIGINALLY TO THE DEALERSHIP XXXX XXXX XXXX ( XXXX, FL. ) as was fraudulently claimed in the buyer contract or SEND RETRACTION LETTER TO THIS WRITER COPIED TO BOTH PARTIES!