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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$700.00}
Product: Debt collection

Willful non-compliance as per FDCPA XXXX. False or misleading representations XXXX XXXX XXXX On XX/XX/XXXX I wrote to Portfolio Recovery to request validation of a debt they claim I owe {$1100.00}, and I formally disputed this claim. I not only disputed their claim but requested my signature as validation of this debt within XXXX days of receiving my request. They not only failed to provide me with validation they continue as of today XX/XX/XXXX to still report to the credit bureaus which has been detrimental to my credit score for a debt that they are unable to validate as mine. I sent a second letter on XX/XX/XXXX to which they responded that they would no longer respond to me and would continue to report the debt as valid.
Product: Credit card

XX/XX/XXXX, I received a notice of changes in terms to my AT & T Universal Platinum card, which I have held for over 20 years. The notice said I could opt out of their new arbitration provision by sending a letter postmarked no later than XX/XX/XXXX. I accordingly wrote such a letter on XX/XX/XXXX, and mailed it the next day, 11 days before the postmark deadline. On XX/XX/XXXX I received a notice from Citibank ( which owns the card service ), stating that my account would still be subject to arbitration " because you did n't mail your preference to opt out by the deadline we established. '' On XX/XX/XXXX I called the card 's customer service line and spoke to a man who identified himself as " XXXX in Arizona. '' He checked on the situation and informed me that my letter had not been received until XX/XX/XXXX. When I asked how that could be, given the date when I mailed the letter, he said, " I guess the Post Office took a long time to get it to us. '' He gave no information about the postmark, which is the determining criterion. He said that, in the future, I could opt out of card agreement provisions by telephoning. When I asked if I could opt out with him right then, he said no, it was too late. When I asked if there would be future opportunities to opt out of the arbitration clause, he said no again, but that " in the future, you can opt out of provisions by phoning us. '' I suspect that the company is being dishonest with me, that they are wrongly preventing me from rejecting their arbitration clause.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried to fix this problem. I cant afford to pay someone to fix this problem. I will try again to explain the problem. On my credit report there are 2 incorrect information and I would like to have them corrected. The first is the XXXX. It was paid in full. It states that it was sold to another company. That company is XXXX XXXX. I paid this account in full. I have sent copies to you before but it still has not been changed. The other account is with XXXX. This account was sold to XXXX XXXX XXXX. I paid them in full. It still states that it was not paid. In the collections part of my credit report it states that XXXX  was paid in full. Its a duplicate account. I have sent copies of the information to you before but it still hasnt been changed what do I have to do to fix this problem? Thank You.
Product: Credit reporting or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 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 immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 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.

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. 
I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX : {$3400.00}
Product: Credit reporting or other personal consumer reports

Company put a charge off on my credit report, I requested a 1099 C Form to validate that the debt was taken care of and also sent in a letter to the credit bureaus requesting to remove inaccurate information off of my credit profile and nothing has been done.
Product: Credit card or prepaid card

The company is Genesis Fs. I have XXXX credit cards with them. The oldest being XXXX XXXX XXXX I believe. I have lived at the same address for XXXX  years. Somehow they allowed for my address to be changed on all XXXX cards. I was also locked out if my online accounts. I attempted to reach out to the company. I was told to send them a copy of my drivers licenses through the mail to verify my address. They refuse to verify me by any other means. Like phone dob ssn and so on. I have been dealing with this for awhile now. I have no access to cancel the cards or to even pay for the cards. The problem also comes in that I have no access to get statements and the balances are higher than they should be. They will not review any info on the charges with me. So while Im waiting for them to review my driver licenses they keep wracking up fees. This is completely not ok.
Product: Credit reporting or other personal consumer reports

This letter serves as my response to your recent communication regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. After reviewing your response, I find that your company has failed to comply with applicable state and federal regulations concerning consumer rights and credit reporting. By not adhering to these legal standards, you have chosen to infringe upon my rights as a consumer, resulting in harm to my credit profile creditworthiness and financial standing. 

Due to your failure to uphold these regulatory obligations, I am left with no alternative but to initiate a formal complaint in my local district court. This action will address your non-compliance and seek appropriate remedies for the damages incurred as a result of your actions. You will find a copy attached to this compliant. 

I trust that, moving forward, you will take this matter seriously and review your procedures to ensure compliance with all applicable regulations to prevent further infringement on consumer rights. Should you wish to resolve this matter amicably prior to court proceedings, I am open to discussing a resolution that respects my legal rights and mitigates any further harm. 

Please direct any additional communication to me in writing at the address listed above. 

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

Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my livelihood and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XX/XX/XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX, XXXX, and XXXX, XXXX, ME advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XX/XX/XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX, XXXX, and XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?
Product: Money transfer, virtual currency, or money service

In XXXX, PayPal closed our account for high-risk and advised we would be able to withdraw the balance in XXXX  days. With no luck in appealing, we waited XXXX  days and on the day it was supposed to be available for withdrawal, PayPal deducted the whole balance claiming it was for damages caused to them. 

My colleague spent hours on the phone to support but didn't get any reason or justification for the alleged damages which according to PayPal were worth XXXX It seems PayPal is notorious for doing this to their account holders. It is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am super frustrated with XXXXXXXX XXXX XXXX XXXXXXXX XXXX ID XXXX Acct number # XXXX, XXXX XXXX am young single female and purchased my first home through XXXX XXXX who then transferred to XXXX. I purchased with a Conventional loan and XXXX offered thru a State of Texas program. This XXXX   was supposed to be a silent second. However, XXXX reports it on my credit report : ID HOUSING AGENCY Last reported XX/XX/2020 {$6700.00} Reported balance Highest balance {$6700.00} You've paid off 0 % of this loan It looks like a " Personal Loan '' and worse I never make payments. It isn't even due until 30 years is up or if I pay it off when I sell. 
The credit bureaus all have said this is bring my scores down below 700! My brother purchased down the street from me on the identical program and his credit report does NOT reflect this silent second. I am powerless to fight these giant companies that control our lives, I appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was obtained via Exquifax 's servers without my consent.
I fear for the safety of my personal and financial future.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/2024 - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/2024 - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/2024 - The following inquiry was not authorized and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian stated that the company that reported the information-public record has been certified that the information is correct. I want a description of the procedure used to determine the accuracy and completeness of the information. The business name and address of any further information contacted and the phone number of such furnisher, or of any furnisher of information that contacted the consumer reporting agency, in connection with such information.
Product: Mortgage

Around XX/XX/year>, I called Mr. Copper and requested to have my Biweekly ACH withdrawal put on hold for either my XX/XX/XXXX or XX/XX/XXXX payment, because I was getting 3 paychecks in the month of XXXX ( XXXX, XXXX, and XXXX ). After speaking with their representative, he advised me that XX/XX/XXXX payments would be skipped and my ACH would start back up for my XX/XX/XXXX payment. After speaking with the representative, I called my bank the next day, because I knew Mr. Copper would XXXX things up. Mr. Cooper is a horrible mortgage company and I have had a number of issues with them in past. I never had any issues with XXXX XXXX XXXX XXXX  sold my mortgage to Mr. Cooper. 

I requested my bank " XXXX XXXX XXXX XXXX XXXX XXXX  to hold my ACH withdrawal to Mr. Cooper and I explained to them why. 

On XX/XX/year>, I received a call from my bank who stated that Mr. Cooper attempted to withdrawal the money. I released my account so my XX/XX/XXXX payment could be taken as scheduled. 

On XX/XX/year>, Mr. Cooper never took the mortgage payment. I called and sent an email and never heard from them. 

On XX/XX/year>, Mr. Cooper never took my mortgage payment and I called and sent an email and never heard back. This is 2 mortgage payments that were missed. 

I finally got a hold of a representative who advised me that my ACH was canceled per " My Request ''. I advised the representative that I never called and canceled it. I explained to the representative what took place and I requested to have it reactivated. I advised her that it took over a year for Mr. Cooper to get my ACH up and running, because they kept screwing things up. I requested to speak with XXXX from their Escalation Dept. I also requested to have my recorded conversation on that dated and time pulled for them to review. I was told that someone would get back to me. 

No one has never gotten back to me and I have sent several emails. 

I am now getting text messages and emails about my mortgage payments being late. 

I have another mortgage payment due on XX/XX/year>. This will make 3 payments that Mr. Cooper failed to withdrawal with my Biweekly ACH. 

I have all the funds in my checking account waiting for Mr. Cooper to resolve this issue and reactivate my ACH biweekly payments. 

On my last email sent to Mr. Cooper on XX/XX/year>, I advised them, that I would be submitting a complaint to the CFPB, Maryland Attorney General 's Office and XXXX XXXX XXXX XXXX 

As of FridayXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not head from Mr. Cooper XXXX 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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: Credit reporting or other personal consumer reports

I I'm Livid!!!! I have sent in multiple letters to Equifax within the last the last 5 months asking them to Remove accounts. In those letters i explained to Equifax that there were multiple accounts on my credit report that were inaccurate or never belong to me at all. Each time Equifax respond back they would say the account was Verified. I never believed that Equifax followed the laws and procedures while determining those accounts were valid therefore when I wrote my letter to them on XX/XX/XXXX I asked Equifax to thoroughly investigate my accounts, comparing what they have on file to what the furnishers have, I also asked them to record dates, times and names of persons talked to that actually Validated the information. Instead of doing this Equifax has given out MY ADDRESS to all the furnishers that claimed those accounts were mine. In other words, none of those accounts I was disputing had my address until Equifax gave it to them... so now I'm receiving random letters from Companies i have never did business with. This was an intentional and deliberate act from Equifax. Equifax should be SUED IMMEDIATELY for providing my information to these Furnishers!!! This was Wrong!! They literally have given out my address to companies I never had any form of credit with. Those companies are now all of a sudden sending harassing letters to my address with my name on it asking for money. Each time I sent my dispute to Equifax i sent XXXX forms of ID including driver 's license, social security card and a bill to confirm the who i am. Equifax has now SHARED that information with the Furnishers i was disputing instead of simply comparing names and addresses and this is illegal!!!!!! I DEMAND XXXX XXXXXXXX XXXX XXXX XXXXXXXX AND XXXX BE REMOVED IMMEDIATELY!!!!!!!! VIOLATION OF FCRA. 15 USC 1681
Product: Credit card or prepaid card

The company I work for has a corporate American Express account of which I am the primary contact for. Between XXXX and XXXX XXXX  XXXX on XX/XX/2022 I received 6 phone calls from ( XXXX ) XXXX. After ignoring the first 2 calls, I answered the 3rd call. An automated voice stated they were calling me ( by name ) in regards to my American Express card ending in XXXX and that fraudulent activity was detected. I was in the middle of another project and immediately hung up mid-recording. About an hour later I had completed the project I was working on and began investigating the call. I had thought it was odd I didn't get a text or email from AmEx regarding the suspected fraud. I logged into the AmEx account online and did not notice any suspicious activity. I then called the number on the back of my AmEx and spoke to a representative from the fraud department. It is worth noting, the number on the back of my AmEx did not match the number that called me. The fraud department rep stated there was no suspicious activity flagged on our account nor any notes on our account regarding a verified AmEx rep reaching out to me. I did provide the number that called me to the rep who did verify that it was the AmEx consumer number, which was fishy in and of itself because this a corporate card not personal. The fraud rep stated it was likely a fishing scam. Today, between XXXX XXXX  and XXXX XXXX  XXXX I received 18 calls from ( XXXX ) XXXX. I did not answer any of them. Not only is this an inappropriate credit card scam, but the frequency of the calls is harrassing in nature! That makes 24 calls is less than 24 hours!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints about my XXXX XXXX XXXX XXXX XXXX account # XXXX which has been entered into THE FRESH START INITIATIVE PROGRAM as not reporting correctly. After the last round TRANSUNION did remove the account and the negative marks yet they failed to remove the debt owed as this account with XXXX XXXX is a COLLECTION AGENCY and NOT my Student Loan Officer. So it will eventually show the debt as TWICE as much on my report. XXXX has now fully removed the account and the debt owed as it SHOULD BE reporting on all of my credit reports. 
TRANSUNION is now violating my right under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors