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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. I need the accounts below corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Services were provided following confirmation that my private XXXX  insurance XXXX XXXX XXXX XXXX would cover same. Did not receive any phone call about the provider having issues with collecting payment from my XXXX XXXX. I did not receive communication in regards from XXXX XXXX. I received one bill from collection agency before account was sent to collections without any notice or request for dispute. I called provider today and was told that she didn't call me because " she doesn't have time to call patients about their bills. '' I was told she generally mails 3 invoices and then sends accounts to collections and that is enough. I was not told why they had trouble collecting from insurance or that there was something I could do to assist with collecting payment prior to sending to collections. I contacted my insurance carrier today and was told that they erroneously believed that I was a XXXX recipient ( I'm only XXXX years old ) and did not pay for the entire bill for that reason. XXXX XXXX XXXX XXXX XXXX let me know that the claim would be resubmitted and paid for. I was given confirmation # XXXX for payment confirmation of the outstanding amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am already tired of submitting dispute letters to the Credit Bureuas sibnce they have been doing nothing! NO CORRECTIONS, NO UPDATE AND NO REMOVAL OF THE UNAUTHORIZED INQUIRIES ON MY CREDIT FILE! I am stupefied by the Credit Bureaus consistency in ignoring my letters as well as non-compliance with the FCRA. the only option left for me is to file a lawsuit against the Credit Bureaus and sue them for the damages done on my Credit File. Is it that hard to remove these inquiries? I have been informing the Credit Bureaus that I was a victim of Identity theft and that these inquiries are never mine neither authorized by me! I need the following items removed completely from my Credit Report as soon as possible : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Got the loan through XXXX another company bought it out BAYVIEW bought the loan they call 5 times a day my mom is XXXX year 's old the said the would work with her the took out two payments when XXXX was on the loan, that was illegal.Overdrew her checking account she could not pay her bills and was overdraw {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Has old and outdated info on my report. I can not call them as they do NOT answer telephone. I want my CREDIT REPORT UPDATED ... .. 2x I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is the fourth or fifth time that I must contact this agency to fix the issue. This is not customer friendly or consumer-oriented. The company 'XXXX  XXXX XXXX illegally opened two accounts in my name instead of one. Proceeded to split charges between two accounts, while only sending paper statements for one. Represented that the account was fully paid off with a credit limit of {$1000.00}. Meanwhile, the other account was overdue with a credit limit of only {$300.00}. The website they provided to the consumer was NOT operational and the consumer could not log in. The consumer sensed something was wrong and submitted numerous tickets through XXXX XXXX online portal to alert the company that the user could not log in to view statements and that only statement of {$0.00} due was being sent. Finally, the consumer called 'XXXX XXXX XXXX to find out what is going on, at that time XXXX XXXX has finally admitted that there were two accounts and one was past due collecting fees well beyond the credit limit. The consumer paid off the actual amount due for the item purchased and refused to pay the late fees due to the illegal practices of the company and misinformation. The consumer also requested that all of the accounts be closed immediately. 

The company 'XXXX  XXXX XXXX, instead of waiving fees, recorded the account as 'C/O ' at {$480.00} and stated that they are the ones that initiated the account closure. Not only that, but the company 2 years later are also still reporting this account as 'C/O ' misrepresenting that the card is open/active. 

The company 's XXXX XXXX XXXX ) justification for this illegal practice was that it provided consumer statements via email. The consumer has provided copies and documents of these emails which contain no statement information. The only information they contain is a link to the account with verbiage that the statement is ready. This does not provide any indication to the consumer about any issues or amounts due. 


At this point in seeking resolution for over two years, my rights as the consumer have been severely violated by damaging my credit score and continuously reporting erroneous information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Negative XXXXXXXX XXXX  Potentially negative Date opened XXXX Balance {$0.00} Status Account charged off. {$250.00} written off. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$2300.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$2400.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$190.00} Status Repossession. {$54000.00} written off. {$190.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$42000.00} written off. 


Person i
Product: Student loan

So, I got loan forgiveness for my federal student loans through XXXX XXXX XXXX in XXXX of this year. I understand I am entitled to a refund of the payments I made during the Covid relief period. 

I had been making payments though my loan servicer, Ed Financial. XXXX XXXXXXXX XXXX has no record of those payments because they were not made to them, so they insist they can not refund the payments ( {$480.00} per month for two years ). They tell me Ed Financial must process the refund. But, Ed Financial says that since the loan was transferred to XXXX XXXXXXXX XXXX they will not process the refund. 

I have tried to call the Dept of Treasury, but they don't answer. Please, help me to find out who will process my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone has obtained my personal information and has been trying to obtain credits because of this I have several excessive inquiries reporting to all 3 bureaus of credit reporting agencies these inquires are putting me in a. hardship I have sent letters to all 3 bureaus to inform and update my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I found discrepancies on my credit report regarding late payments to my XXXX  XXXX account ending in XXXX. I provided proof and dispute with company and credit bureau and No change has come despite providing the proof that payments were made. Something needs to be done in regards to making the corrections As stated, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. Last attempt before having to seek XXXX XXXX and filing a compliant with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly on the XXXX XXXX partial account number ****XXXX-XXXX. ( Please see page 3 attached from my credit report. ) This account does not belong to me. I did not authorize this account, nor did I sign any documentation to open this account. This line item needs to be removed from my credit report. It is clearly being reported in error. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Bank account or service

I had a Wellsfargo representative set up automatic payment on my checking account for my Wellsfargo automobile loan. I was told that the automatic payment was going to start XXXX/XXXX/16. I went up to the Wellsfargo on XXXX on XXXX/XXXX/16 withdrew {$200.00} to pay my automobile loan and was told by the teller that I did not have to pay because the money was scheduled to come out automatically. I then get a phone call from Wellsfargo beginning of XXXX that my payment was past due. So on XXXX/XXXX/16 I went up to the bank and withdrew {$240.00} and paid my past due balance and at the time I was told by the teller they made an error and the automatic will definitely become effective and the money would be taken out on XXXX/XXXX/16. I then get another call from Wellsfargo in XXXX that my account is now TWO months past due. So I went up to the Wellsfaro on XXXX on XXXX/XXXX/16 again to express my frustration and I then paid a total of {$530.00} to bring my account up to balance. I spoke to a manager who expressed to me he would get to the bottom of it. Then on XXXX/XXXX/16 they came to repo my car and come to find out the bank teller applied my {$530.00} to the wrong account ( my personal Wellsfargo loan instead of my automobile loan ). So once they figured out the mistake they made they did not take my car. Then on XXXX/XXXX/16 {$200.00} was a automatic payment taken out and again posted to the wrong account. My Wellsfargo account for the month of XXXX, XXXX and I believe XXXX are listed as delinquent as per the credit union. So I have been trying to get Wellsfargo to contact the Credit Bureau because it was their fault my accounts became delinquent and I have been going back and fourth with them since XXXX and no one has yet to rectify this situation for me. I was finally able to reach someone higher up by the name of XXXX XXXX ( not sure of the spelling of his last name ) at dealer services in XXXX who initially seemed like he was going to help us but after calling his phone ( XXXX ) for a week straight and leaving a voicemail every day with no response I feel like I am being ignored again! All I want is the delinquency to be taken off my account so I can move forward and begin my home buying process. This is extremely unfair that I am being penalized for something that was Wellsfargo fault and the fact that no one is trying to help me is unacceptable! Someone at Wellsfargo needs to be held accountable for what they did to my account.
Product: Credit reporting

Equifax Information Services , LLC . refuses to send a updated and corrected copy of my consumer credit report and file to XXXX, XXXX and XXXX , XXXX. 
The XXXX National Consumer Credit Reporting agencies ...
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I withdrew using XXXX the amount XXXX to my XXXX account ( # XXXX XXXX XXXX NWBK XXXX XXXX XXXX XXXX ). XXXX convert this to XXXX XXXX XXXX XXXX. I had an email saying the funds would be available XXXX XXXX XXXX. XXXX XXXX after the funds did not arrive I raised a support request through their website Support XXXX # XXXX. On XXXX XXXX I received a reply saying " Thank you for contacting us about this. 
We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. 
Thank you for your patience in the meantime we will be in touch again as soon as we have an update. '' XXXX XXXX I received " Just checking in to let you know that this issue is still unresolved. Rest assured your funds are secure, and we are working hard to rectify this situation as soon as possible. 
Thank you for your continued patience, and sorry for any inconvenience caused. '' Since then I 've received nothing on this ticket and they will not reply to requests for updates of where my money is or when it will be returned. I 've tried twitter and the BBB and the replies I 've had via BBB have just stated there is an issue and nothing else. 

I can see that many more people are having the same issue and although the status on their website says there are no issues obviously lots of people are suffering from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XXXX/XXXX/2022, I wrote to you requesting an investigation into items that I believed were innacurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Product: Checking or savings account

I dont receive my deposit. I have three Day wainting y the Capital one no answer nothing
Product: Debt collection

I XXXX XXXX, have already tried to correct my credit bureaus where the attached posts on credit shows that I was not removed as a authorized user. On each of these posts it shows that I was only an authorized user. I was at no time a responsible party in the use of these credit cards. I was added only as a means of helping me to rebuild my credit. Now the responsible party has defaulted on his obligations, I believe that it is in my best interest to come off of these accounts as an authorized user, and to have these accounts removed from all of my credit bureaus immediately. These trade lines need to be removed immediately!!!
Product: Debt collection

Hello, My name is XXXX XXXX and I am receiving phone calls from multiple credit recovery agencies for some other persons debt. I changed my phone number to a new phone number over a month ago and now I am receiving calls regarding this persons debt. I have no debt what so ever. The most recent organization to contact me was from : Date : X/X/2018 @ XXXX XXXX XXXX XXXX XXXX Professional Recovery Consultants XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX PH : XXXX I have registered my phone number on the DO NOT CALL list, on X/X/2018. I am receiving multiple calls from different creditors at all hours of the day, multiple times per week.
Product: Money transfer, virtual currency, or money service

I identify you and your account. 
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution procesr was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for the violations
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY ASSOCIATES LLC To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian delete the following accounts as I have not given permission or authorization to publish this information. These accounts were added to my report without my written consent or authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Dept of EducationXXXX, XXXX XXXX. 

Experian is committing identity theft pursuant to 12 CFR 1022.3. Delete these accounts that were added to my report without my permission or authorization. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Dept of EducationXXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX