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

I am filing a complaint against Experian because has failed its legal obligation under the the Fair Credit Reporting Act ( FCRA ). Experian failed to properly investigate my disputes regarding inaccuracies in my credit report. Experian failed to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requiring immediate corrective action, as Experians in action violates federal law and my Consumer rights. Experians practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal Law. 

Disputed Accounts/Account inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX  I deposited a check for {$190000.00}. It was a third party endorsement check. Both owners on the check physically came into Chase bank along with me and verified their endorsement and desire to make the check payable to me. This was a requirement due to the check being a TREASURY CHECK. Afterwards I was told the check was valid and Id be receiving my funds from being restricted. 24 hours later I was told I WILL NOT be receiving my funds and over 8 back office representatives had no reasoning why. It was made very clear theres nothing illegal thats preventing me from receiving my funds but they simply are refusing to release my funds. This is a blatant violation of my policy agreement. Today I was ridiculously told that Id need a letter from the IRS stating XXXX AND XXXX XXXX provided me with the check, I even had her note my account of that stupidity. Since when does the IRS write letters or become involved in personal affairs. CHASE POLICY ON THIRD PARTY ENDORSEMENTS ARE CLEAR. ALL PRTIES ARE TO SIGN AND MAKE THE CHECK PAYABLE TO WHOM. I SATISFIED THAT REQUIREMENT AS WELL AS PHYSICALLY HAD THE PARTIES COME INTO THE BANK .. My signed agreement upon opening my account does not legally bind me to provide no letters of any kind to release funds of third party checks, ESPECIALLY AFTER THEY HAVE CLOSED MY ACCOUNT! If I were a XXXX XXXX this would not be happening to me. This is a financial crime on behalf of JP MORGAN CHASE! To ask me to contact the IRS on behalf of two other people is hideous. Furthermore, they asked me the purpose of the funds and they said if I can provide documentation of its purpose Id receive my Funds from the closed account. So I provided a notarized bill of sale showing I sold my inherited tractor trailer from my deceased grandfather to the XXXX and they signed the bill of sale. That was a lie to, because they refused to again release the funds. After myself and the XXXX Left Chse bank from verifying our identities and they confirmed the legitimacy of the Treasury check and informed me id receive my funds I trusted Chase bank so I released my tractor trailer to them. Now a month later I dont have my truck or my funds because of the lack of enforcement of Chase to its own policy agreement. 

My Account # : XXXX My Ssn : XXXX
Product: Debt collection

In XXXX of this year I received a phone call from Cedars Business Services. This call ended abruptly, however I later decided to take the initiative and reached out to the via email. 
In the attached email with the subject " Let 's clear this up ... '', you will find my asking for documentation regarding any alledged monies owed. It also contains their response. 
On XX/XX/XXXX, I received an email which stated that the documents I had requested were ready, however, the supplied link simply provided information of the alledged monies owed ( screenshot attached ) to which I responded same and advised to not reach out to me unless they had the requested documentation otherwise I would file a complaint with the Consumer Financial Portection Bureau. 
Two days later, I received an additional email requesting payment but still no documents. 
So here we are! 

I have attached a zip file which contains XXXX email and a screenshot. All files begin with a number I have added to signify order.
Product: Debt collection

The options on the previous page didn't fit my complaint. It is TRUE that Rent Recovery Solutions ( RRS ) made false statements in a previous dispute with them. That remains a part of my complaint even now. The other part of my dispute with this fraudulent company is that I requested to validate my debt under the Fair Debt Collection Practices Act ( FDCPA ) and all I received was an itemized list of the alleged charges they claim I owe. This DOES NOT meet the Federal Trade Commissions guidelines of what constitutes proper debt validation! Re : the FDCPA, 15 USC 1692g Sec. 809 { b } I dispute your claim and request AGAIN -- that you validate this account, and if you do not, you MUST DELETE it from my credit reports. YOU MUST PROVIDE ME WITH THE FOLLOWING : 1 ) What is the money you say I owe for? 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4 ) Prove the Statute of Limitations has not expired on this account ; 5 ) SHOW ME THAT YOU ARE LICENSED TO COLLECT IN MY STATE OF FLORIDA WHERE I RESIDE ; lastly, 5 ) Provide me with your license numbers and Registered Agent or Agent of Service. RRS you are STILL reporting this collection on my credit report, WHICH IS CONSIDERED TO BE A COLLECTION ACTIVITY. Because you have not validated this account, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I will collect from you by filing a claim in small claims court if you do not remove this ILLEGALLY-REPORTED ACCOUNT from all of my credit reports. In addition, the Fair Credit Reporting Act XXXX FCRA ) does not allow the inaccurate reporting of information on my credit report. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days.
Product: Debt collection

I had requested an itemized statement from XXXX XXXX, they had sent me a bill for {$7000.00} with no explanation of the charges, so I wrote them a letter. Today I received a letter met to appear to be a law firm, Davis & Goldmark , Inc. XXXX California XXXX we are sending this notice as a reminder that your account remains unpaid '' I still have not seen a statement from XXXX explaining the details for the charge. I was in the care of this facility at a time that my deductible and out of pocket expenses had already been met so the charge needs to be specific. This facility and the collection company they have hired need to identify what I'm being charged for.
Product: Debt collection

XXXX did not remove this debt off my credit report. I filed a previous compliant and the company verified that they could not vaildate the debt and it should be removed from all credit report agencies. As it stands currently, this has not been communicated to XXXX to remove
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX/XXXX/17, I submitted a complaint against XXXX XXXX XXXX. in which the account was closed with no monetary responsibility on my behalf. Every credit bureau has since then removed/closed the account from my credit report except TransUnion, they are continuing to report this closed account as open and derogatory. I have documents proving my argument.
Product: Debt collection

Alliance CAS has violated FDCPA as outlined in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

Selene Finance has been reporting my mortgage loan delinquent to all credit reporting bureaus despite the fact that the mortgage was part of Chapter XXXX bankruptcy settlement dating back to 2011. I have made numerous attempts over the past three months to discuss my account with customer service representatives, but they refused to discuss my account insisting that the attorney who handled the bankruptcy years ago was listed on the account and that they would only talk to him. Once I contacted the attorney, he refused to write a letter to Selene Finance authorizing them to discuss the account with me unless I paid him {$350.00} for the letter. Unable and unwilling to pay for the letter, I was forced to seek another attorney to handle the matter with Selene. For days, Selene refused to acknowledge the letter faxed by the new attorney. Once the new attorney spoke to XXXX XXXX at Selene, she refused to acknowledge the bankruptcy discharge and indicated Selene " did n't care. '' Selene is now claiming I have to start a dispute with the credit reporting bureaus. So my credit status remains unresolved despite the fact that I have gone through all legal procedures and expenses to resolve this financial loan legally. Selene refuses to acknowledge and honor the United States Bankruptcy court order and my credit issues remain unresolved. I did a deed in lieu of foreclosure with Selene Finance a long time ago. The property was sold immediately because it was in perfect condition. Despite all these legal procedures and efforts, Selene Finance, continues to violate my rights under the fair consumer reporting laws with blatant disregard for the the federal and state consumer protection laws. Bank finance criminals receive better protection under the laws than I have received over a measly mortgage loan legally discharged under the protection of the " law. ''
Product: Mortgage

Our mortgage was sold to Mr. Cooper ( through XXXX ) in XX/XX/2022. We made our payments ( {$1200.00} ) to our original mortgage company for XXXX and it was then given to Mr Cooper at the end of XXXX. Then we set our bank to automatically send our mortgage payment check to Mr Cooper. XXXX payment was received, deposited, and credited to our account with no issues. XXXX was sent the exact same way as XXXX. When we received our statement for XXXX it said we were a month behind and we were charged late fees. I immediately checked our bank account to ensure a check was sent and it was. I have the check image that shows it was deposited. The front of the check is identical to XXXX check, including account number. So I called Mr Cooper and was told they never received our XXXX payment. Thinking itd be an easy fix she gave me the email address to send the copy of the check and theyd take care of it. 
I did that. I waited almost XXXX weeks with no word from anyone. So I took to social media to get attention. They replied theyre still trying to find the funds. Then I got an email from them saying they didnt deposit the check and its basically not their problem anymore. Our bank says the deposited check is the proof of payment, yet Mr Cooper is not acknowledging that or crediting our account. Then our XXXX payment which was also sent the exact same way as XXXX and XXXX was received, deposited, and credited. It was credited as our XXXX payment but it was received with no problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX # 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 a account without my written instructions
Product: Debt collection

" According to FCRA Section 605B. It's illegal to report anything without my permission. 
XXXX  remove this negative item
Product: Mortgage

I have come into difficulties paying my mortgage. The cost of living has gone up. Also my wife has been receiving help for a drug addiction problem. I have a XXXX year old XXXX daughter and a XXXX year old son. Since my wife has gone for treatment a lot of things fell on my shoulders. Finding out that she was not paying pills during active addition. Having to take care of my children on my own. And my hours were reduced at work. There has not been any over time availabile. Ian very afraid to have to move my daughter to another home or worse even another school. My daughter becomes XXXX when her environment has had to many changes. I simply need 6 months to get caught up. I asked my mortgage company for help and they said no. That I have not been in the home long enough. ( I 'm sure it has more to do with the fact that they are selling my mortgage in 30 days! ) they say I have to pay {$700.00} in 30 days or get forcloused on!!! The one thing they said they could do is accept {$300.00} and RAISE my mortgage to {$2400.00} for the next 6 months!!! Is that suppose to be helping me in any way!?!?!? I just want to keep my family in my home!!!!
Product: Debt collection

Portfolio Recovery XXXX XXXX XXXX XXXX, VA XXXX Phone number : ( XXXX ) XXXX Are in violation of the Fair Debt Collection Practice Act Essentially, a debt collector or loan company isn't allowed to communicate with your employer unless you've explicitly permitted them to do so. Creditors and debt collectors can not harass those with debt in order to attempt to collect. They must also adhere to the statute of limitations to collect on debt as federal and state law requires. 

I have not provided them permission to contact me at my place of employment. Nor have they provided any disclosing documentation of said debt, and have failed to provide me their obligation regarding said disputed debit. 

A phone call from phone number XXXX came into my place of employment at XXXX XXXX  on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXN # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXX # XXXX  Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not funish 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 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

experian closed my complaint without furnishing the vendor who provided the late payment information. this is not on my credit report because i dont have any late payments. i want vendors name and phone number. XXXX XXXX is also included in this complaint because they list on there site that i am late on payments but will not tell me who they are. original complaint XXXX regards XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old credit card from XX/XX/2017 which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. 
Creditor ; XXXX XXXX  XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has closed my credit card account. They have proposed a resolution payment of {$64.00} per month, which I have accepted, opting for an automatic bank draft from my XXXX XXXX XXXX checking account. XXXX XXXX failed to report the agreement to the credit bureau and continued to charge the account interest even though it was a final settlement amount. XXXX XXXX has continued to increase the agreed-upon amount by adding interest rates to the agreed payoff amount. They have also persisted in reporting a late status on my credit profile to the credit bureaus although I was making the agreed payments. XXXX XXXX reneged on the agreement. Following my complaint, they ceased all automatic draft withdrawals and classified the account as a charge-off. As a consumer, I feel railroaded and exploited by XXXX XXXX 's unscrupulous banking practices.
Product: Debt collection

After receiving notification that EMERGENCY BILLING OF XXXX sent me TO COLLECTION, I was confused and upset. With no resolution from either company named I contacted XXXX XXXX XXXX which is the insurance at the time of service. I also filed a complaint with the CFB to ensure we have a process. Attached is the following 1. Document from XXXX XXXX XXXX showing payment for date of service XX/XX/ in the amount of {$2100.00} 2. Document from XXXX XXXX XXXX showing payment for date of service XX/XX/XXXX  in the amount of {$2100.00} I also provided a copy of the complaint to the CFB and informed the credit report agencies that I was send to collection in error it need to be removed. I will also ask for the companies to do the same. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts were not opened or approved by me, and it is unfair for me to be blamed for them. I ask for prompt action to address this concern.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CPFA ). 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 process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 'm looking forward to the deletion of the following items in my file ASAP. Thank you. 
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 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 HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXX Account you have a late payment listed for the month of XX/XX/18. 
I have never been late on any payments. 
According to the FCRA information reported must be reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with the CFPB for Transunion, because I sent the company a notice stating that I never authorized any of the accounts on my credit file and demanded that these account be removed. Even after submitting the complaint to the CFPB and mailed a affidavit, Transunion is still reporting 2 companies that I never authorized. This is humiliating me and causing me a lot of mental anguishing to have these accounts removed. This is a clear violation of the Fair Credit Reporting Act and I do not know why the Transunion is not removing these accounts when I am the consumer. I Have submitted another affidavit demanding the removal of these accounts and I am filing another complaint so this can be resolved as soon as possible. I am in the process of looking for a apartment and this is making my whole situation harder. Please help.
Product: Credit card

XXXXXXXX XXXX XXXX XXXX received my payment paid in full and now has sold my account to some one else named Jefferson Capital and they will not leave me alone they have sent numerous amounts of Emails and Letters and i have tried explaining to them that i dont have a account with them and dont owe them anything and they have my credit score down
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the failure of XXXX, XXXX and TransUnion to properly investigate my disputes related to incorrect negative information on my credit report. Despite multiple attempts to resolve these inaccuracies, the credit bureaus have responded with stall tactics rather than conducting a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). 


The presence of these inaccurate negative items on my credit report has adversely affected my credit score and my ability to obtain credit. This has caused significant stress and financial hardship.