23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within XXXX  days of dispute. XXXX XXXX ACCT # XXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. 

I have supporting documents stating this COLLECTION WAS TRANSFERRED TO XXXX XXXX  XXXX, AND XXXX XXXX DELETED THIS COLLECTION OFF MY REPORT. HOWEVER, IT STILL SHOWS XXXX  XXXX ON MY CREDIT REPORT. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED!
Product: Money transfer, virtual currency, or money service

I purchased bitcoin on my Venmo account several weeks ago. After the purchase a XXXX XXXXXXXX dollars got transferred without my knowledge. Venmo froze my account on XX/XX/ and have done nothing to investigate, refund, or even let me to at least continue to use my account. I use this account to collect and pay rent, and have been unable to do so. Working with their customer service as well as their total neglect to the situation has been more criminal than the fraud that happened. This company needs to have a large scale oversight change and it's literally beyond shocking how a financial company this size is allowed to operate this way in todays world.
Product: Debt collection

I received a voicemail message on XX/XX/21, from an individual named XXXX she stated that she was with the XXXX division, she had my home address, my work address, and the make/model and vin number of my vehicle, she stated that they were attempting to deliver paperwork to me that required my signature. She stated it was very important that they speak to me. They needed me to call them back by end of business that day otherwise they would deem the addresses along with employment information and vehicle information, verified and would issue documentation without my consent. The contact number they left for me to call was XXXX and to reference document XXXX. I did not return the call, as I felt it was a scam. 

Also on XX/XX/21 my wife also received a call from the same individual stating they were were trying to get in contact with me, that they needed to deliver paperwork that required a signature. 

On XX/XX/21 the same phone number, called my mom, my in-laws, my sister in-law, and my wife 's ex-wife. Telling them to have me call them, they gave them XXXX and reference number XXXX. 

After I had received numerous phone calls about this, I called them back. I spoke with XXXX, I asked her the name of the company. She stated that it was XXXX XXXX XXXX XXXX. I asked her why them were calling, she had me verify the last 4 of my SSN, she stated that it was due to a high debt to Kay Jewelers. I explained to her that I had already paid that debt off and I had the documentation to prove it was paid off. At that time I told her to stop calling my family members, friends, and individuals I don't have relationships with. She stated that the documents were delivered to my work address, I asked what date they were delivered, she stated that she didn't know. She put me on hold, then came back and said that it was delivered to the security dept. I explained to her that we did not have a security office in the suite I worked in. She then stated that the system now is showing that the attempt to deliver to my work address status was pending. She could state why it was pending. At that point and time I told her it was a scam, that I had already paid the debt and have documentation to approve so. She stated if this was a scam how would I know your SSN, to which she read off, my work and home address, even my vehicle information. She then stated for me to fax the document over to them, she put me on hold to get the number. When she came back to the phone she stated that she was informed it needed to be mailed in, I asked for an email address to which she responded again that it had to be mailed. I asked for the address, to which she stated, " XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXX. I asked who am I making the letter attention to. She stated to the Compliance Dept. I told her again to stop contacting me, my family, and friends. Then I hung up the phone.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian regarding the inaccurate and misleading reporting of XXXX XXXX XXXX on my credit report. This was disputed three times with Experian and they have failed to address the specific request to provide method of verification per violation under the Fair Credit Reporting Act 15 USC Code 1681.

I requested method of verification and despite my formal disputes, Experian have maintained that the information is accurate but failure to perform a reasonable investigation which has caused harm to my creditworthiness and financial standing. 

I request that the CFPB investigate the following issue : This was first reported under company name of XXXX XXXX in XXXX of XXXX which has impacted my credit score to go from a XXXX to XXXX ( XXXX points decrease ). Then XXXX sold company to XXXX XXXX in XXXX and again impacting my credit score from a XXXX to XXXX ( XXXX points decrease ). The continued reporting of this inaccurate information has negatively impacted my credit score and financial opportunities. 

XXXX. Report XXXX XXXX with XXXX XX/XX/year>, Acct XXXX  XXXX dispute showed no explanation. ( disputed twice ) XXXX. Report # XXXX with XXXX XX/XX/year>, Acct XXXX XXXX, dispute stated information was verified but did not indicate method of verification I am seeking the immediate removal of this account from my credit reports and enforcement actions against the responsible parties. Thank you for your attention to this matter. I look forward to receiving a response confirming that this issue is being investigated and resolved.
Product: Credit card or prepaid card

XXXX XXXX of Complaint listed as closed. 

Three total charges should have been reversed. AMEX reverser one of the unauthorized charges. 

On XXXX I initiated a follow up complaint. I do not see my second complaint open on my CFPB account.Therefore, I am herein resubmitting my XXXX complaint. 

Resubmission Dated XXXX of Unauthorized Charges in the amount of {$3100.00} and {$3900.00}. 



Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX IA XXXX https : XXXX XX/XX/XXXX RE : COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card Representative : AMEX reversed a charge XXXX the amount of {$3900.00} charge Transaction Date of XX/XX/XXXX. This charge was reversed because of the lack of a valid electronic signature authorization. Thank you for your assistance. 

My question is why the other two charges not reversed. XXXX has not produced a valid electronic signature for any of the three charges ( {$3100.00}, {$3900.00} and {$3900.00} ). The charge in the amount of {$3100.00} and the charge in the amount of XXXX do not have valid electronic signature authorizations. XXXX has not provided an alleged authorization for either of the two remaining charges. Please see Complaint XXXX. 

I am filing my continuing complaint for a reversal of the {$3100.00} charge and a reversal of the second {$3900.00} charge which remain on my account plus credits for all interest charges, and any other fees or charges associated with the three unauthorized charges. 

Thank you for your cooperation. 

. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX Direct XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove fraudulent account from my credit report. I noticed some accounts I HAVE NO knowledge of.
Product: Credit reporting or other personal consumer reports

This is NOT a dispute but a formal demand for Experian to comply with federal law and immediately remove the erroneous and unverified account, XXXX XXXX XXXXXXXX, from my consumer report. 

I have repeatedly submitted complaints regarding this account, yet Experian has failed to take corrective action. No other credit bureau is reporting this inaccurate account. I have only ever had XXXX XXXX account, opened in XXXX, which is already correctly reporting. Despite my initial dispute letter, sent over XXXX months ago on XX/XX/XXXX, and time-stamped for reference, this erroneous account remains on my credit file. 

Under 15 U.S. Code 1681b ( a ) ( 2 ), this letter serves as a written instruction from me, the consumer, demanding compliance. The Fair Credit Reporting Act ( FCRA ) requires Experian to uphold maximum possible accuracy while respecting my right to privacy under 15 U.S. Code 1681e. Your agency has failed to meet these legal obligations by maintaining inaccurate and unverifiable information that has already been removed from another consumer reporting agency.

Additionally, your failure to maintain reasonable procedures has resulted in a conspiracy to deprive me of my rights under the Truth in Lending Act ( 15 U.S. Code 1602 ( f ) ), restricting my ability to obtain new credit. This is a federal criminal violation under 18 U.S. Code 241. As mandated by 15 U.S. Code 1681b ( e ) ( 6 ), consumer reporting agencies must have a joint notification system to ensure accuracy, yet this account is still being falsely reported by Experian while it does not exist on my Equifax or TransUnion reports.

This is a clear failure to maintain reasonable procedures for maximum possible accuracy and false/misleading reporting, violating 15 U.S. Code 1681i ( 5 ) ( A ). If this account is not immediately deleted, I am prepared to take legal action. Experians failure to comply with federal law is grounds for a lawsuit, as numerous case law precedents have ruled in favor of consumers when credit bureaus fail to meet their legal obligations.

I demand that this account be immediately removed from my consumer report as required under federal law. Experian is required to notify me within 30 days and provide an updated copy of my credit report. Your continued willful noncompliance carries civil liability under 15 U.S. Code 1681n.

Attached are my supporting documents, including my initial dispute letter, my consumer report, and proof that Equifax and TransUnion do not report this account. I expect Experian to take immediate action.
Product: Credit reporting or other personal consumer reports

My report shows errors in late payments. Please verify and make the necessary updates.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is no need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting angencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protective security and confidentiality of these customers ' nonpublic personal information. '' ( Furnisher of Information to credit agencies ) is a financial instruction by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer of whom it relates. '' ( Furnisher of the information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have the my consent to furnish they information and the surely do not have my consent. Any and all consent to XXXX, XXXX ( Furnisher of information to credit to credit agencies ) whether be verbal, non verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing the following items of information Any other adverse items information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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 accurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out any time. " I am opting out of your reporting services. ''
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : Not my account Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
Please note that you have XXXX  days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions.
Product: Credit reporting or other personal consumer reports

Equifax ( Inquires ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My husband banks at US AAbecause hes a veteran I started my bank account in XX/XX/XXXX when I XXXX and XXXX XXXX it was just my account. 

XX/XX/XXXX I was put in iXXXX for no reason I was never mirandize read my rights while I was away my father in-law got put on our accounts. 

My income tax got taken and disappeared. I have pictures of the totals not matching up and lately have caught them re-coding debts to steal money. 

They dont even treat me like Im a customer when I call they just leave me on hold I have to complain over and over again about charges I did not make on my account I had to XXXX them basically to take my father-in-law off my account saying I never authorized it and I didnt care. 

We are pretty sure that our in-laws came to steal from us but the bank let it happen
Product: Mortgage

American Financial Resources is my mortgage servicer. My monthly payments includes an amount paid to escrow for insurance and property taxes. American Financial Resources debits my escrow account for disbursements, such as the property tax bill, but the tax assessor does not actually receive the check payment until 25-30 days after when the disbursement was taken from my account, meaning AFR is floating the payments to their benefit. Most recently they disbursed my tax payment on XX/XX/2016 for a bill that was due on XX/XX/2016. I called AFR customer service and they stated the check had been mailed on XX/XX/2016, yet as of XX/XX/2016 the tax collector has not received it. This is creating a problem for me as I am refinancing with closing the week of XX/XX/2016. The new escrow agent is reporting the taxes as up-paid and requiring me to pay twice, even though I have shown them AFR claims the payment was made. AFR should not be allowed to float the escrow payments as is their practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to have late payment forgiven for XXXX  made in XXXX XXXX days. I was late due my job cutting my hours in XX/XX/XXXX and XX/XX/XXXX and then laying me off due to covid 19. In XX/XX/XXXX. I requested forgiveness for late payments made to td bank In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
I was laid off in XX/XX/XXXX. I contacted both companies and did not forgive after phone calls and sending good will letters. Discover card would not remove payment made late in XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. My hours were cut in XX/XX/XXXX and I was laid off in XX/XX/XXXX. They closed my account knew I was in Hardship and refused to help at that time. I had since then made payments on time for all three credit cards. I contacted company and refused to give me forgiveness even after closing my account and good will letter. XXXX XXXX I contacted company with goodwill letter and refused to forgive. XX/XX/XXXX late payment I was laid off. XX/XX/XXXX XX/XX/XXXX my job cut my hours. In addition household closed my account. I was late in XX/XX/XXXX but my boss cut my hours. They also closed my account and refused to forgive after phone call and good will letter. XXXX  late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they refused to forgive my late payment Even after I sent the goodwill letter and called them. Also I my job cut my hours in XXXX XXXX and XX/XX/XXXX was laid off in XX/XX/XXXX. This why I was late I have made my payments on time since then to all companies listed.
Product: Debt collection

I HAVE REPEATEDLY CALLED TO ASK AR RESOURCES INC TO FILE THE DEBT TO BE PAID WITH THE VETERANS ADMINISTRATION FOR THE XXXX OF WHICH I ON MY CREDIT REPORT. THE HOSPITAL WAS ALREADY PAID BY THE VA,,, AFTER 3 CALLS TO THIS COMPANY, THEY ARE STILL REPORTING AND KEEP TELLING ME THAT THEY ARE NOT GOING TO FILE WITH THE VA, BUT ARE A DEBT COLLECTION AGENCY.. XXXX XXXX XXXX =REFUSED TO GIVE THE NUMBER TO THE CLIENT, XXXX XXXX XXXX OR TO FILE FOR PAYMENT ON MY BEHALF.
Product: Credit reporting or other personal consumer reports

I had a collectionthat was paid on XX/XX/XXXX and reported to equifax on XX/XX/XXXX to delete and give me my rescore and XXXX XXXX XXXX payment report and has not
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX  , I consolidated my student loans through loan  servicer   XXXX   XXXX   XXXX   a nd the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded m y 10 year old l oan as " closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the same  10 year old stu dent loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped m y credit score   XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.
Product: Mortgage

Loan with XXXX XXXX XXXX XXXX, was transferred to Nationstar Mortgage now Mr CoopeXXXX, keep faxing for BALANCE REDUCTION LOAN MODIFICATION and keep saying that was approved, YES for REGULAR MODIFICATION NOT BALANCE REDUCTION SEE LETTER was transferred and MR COOPER still doenst want to reduce balance and keeps saying approved but was not BALANCE REDUCTION! Need to send to state and federal authorities at least make them aware since have proof!
Product: Credit reporting or other personal consumer reports

I just noticed unauthorized inquiries on my credit report this morning, and Im not sure why theyre there. I routinely check my report, but this time, there were unexpected discrepancies. I tried refreshing the browser, hoping it was a glitch, but nothing changed. The unauthorized inquiries remained, so I am urgently requesting that you carefully review the documents Ive submitted to resolve this once and for all.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX was collecting money on the behalf of Rapid Cash. They turn this account over to XXXX, XXXX XXXX XXXX XXXX. The account has been paid in full ( {$2600.00} ) File # XXXX on XX/XX/2018. I have checked my XXXX   credit report and this company XXXX XXXX XXXX XXXX XXXX XXXX name is on my credit report still reporting a balance of {$110.00} when it has clearly been satisfied. I have a letter from the above attorney office which states the debt has been satisfied. This incorrect reporting of inaccurate information need to be removed immediately from all three credit bureaus.
Product: Debt collection

I recently paid a debt of {$160.00} from 2012 against my principles to the XXXX XXXX of properties, specifically the XXXX at XXXX XXXX. The reason for this charge was because they raised my rent, converting me to a month-to-month lease while I was on XXXX XXXX with the XXXX XXXX stationed at XXXX XXXX, MD. I was in the XXXX Transition Unit at the time, recovering from XXXX. My orders were modified three different times, altering my discharge date. I informed the front office of this and provided a copy of the orders. I offered to sign a lease, but was told it was n't necessary since I was in the military. Later, the property manager informed me that since I had not renewed a lease that I was to be placed on a month to month basis at a higher rate. I informed her at the time that I offered to sign a lease but was told it was n't necessary. This debt still exists because I do not agree with this business practice. I have certainly had the means to pay, but I felt it was wrong and also it is in direct violation of the Servicemans Civil Relief Act, which is supposed to prevent companies like XXXX from taking advantage of military members that are being housed temporarily due to military service. Unfortunately, my financial well-being has been damaged for too long as a result of this, so I am reluctantly paying the {$160.00}. I 've reported this behavior previously without it being resolved. The XXXX XXXX should be ashamed to earn money in this bait-and-switch fashion. In my opinion they should be investigated ; violations of SCRA are criminal penalties. Taking advantage of members of the military is about as low as it gets.
Product: Credit card

On XXXX XXXX, 2016, XXXX notified Bank of America, my credit card issuer, that my account was compromised. It took 6 days until XXXX XXXX, 2016, for Bank of America to notify me. I asked where and when the compromise took place. Bank of America refused to provide me with that information. I asked why it took 6 days for Bank of America to notify me of the compromise. Bank of America refused to provide me with that information.