23daVinci/CFPB_Complaints huggingface dataset:
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 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 failures life 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 requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Ive Sent off my letters off since the year XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. I have a report showing the accuracies. Ive also included certified letters return pieces And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  -account # XXXX because it is not consumer debt Also XXXX deleted it and i sent follow up letters if it got deleted on there the other all the two bureaus are supposed to delete it as well
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XXXX XXXX to remove accountsthat are UNKNOWN to me. I came across this law today and according to the PerFCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts orinformation not later than XXXX business days after the XX/XX/XXXX .Ive alreadyincluded this in my previous Complaint XXXX  & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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 Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I reached out to Medical Data Systems on XXXX XXXX in response to the claim that I owe {$530.00}. I requested a validation of debt so that I can get additional clarity on this claim. Medical Data Systems did not respond with any of the information I requested. The response was " Based on our investigation of your dispute, it is our position we have identified you as the correct consumer for this account ''. 

Medical Data Systems continues to report negative information on my credit report even though this claim is disputed and they have failed to send the requested information to substantiate the claim under the Fair Debt collection Practices Act. 

I did not request verification or proof of my mailing address but a request for validation. 

I informed Medical Data Systems on XX/XX/2021 that they are in violation of the FDCPA.
Product: Credit card

When I first started with Capital One credit cards, the interest rate was 29.9 % which to me was a little high but I needed it so I signed on with them, then I just recently found out that they increased the interest rate up to almost 32 %. I have been paying extra towards my cards to try to make a difference in the balance but the high interest rate eats up anything extra that I pay towards them. Between my husband and I, we have 3 of them, 2 through cabela 's and on that used to be a walmart card and then switched to a quick silver. I'm just overly frustrated with the interest rate and feel like I'm stuck in a hamster wheel and not going anywhere, I am trying to figure out how I can pay them off with either getting a loan or something just so I can get them paid off and then cancel them and never ever have another one. I just think it's sooooooo unfair that they keep increasing the interest rate, if them doing that doesn't scream corporate greed, I don't know what does. They with being as big as they are, should make it a little less stressful for people and drop the interest rates so people actually feel like they are getting ahead. My minimum payments generally are {$110.00} per month, which I can handle but then when I pay {$120.00} and the extra that I pay all goes towards the interest fees it's makes me feel defeated and like I'm not getting anywhere with paying them down. If I could go back and never sign up with them I would because the fees are ridiculous.
Product: Debt collection

Attached is the ACSI response to this collection. as u can see by their documents provided there is two different bills with two different amounts owed. Furthermore, this dept is in violation of HIPPA and also against my FDCPA rights. As shown in the two different bills under procedure descriptions a detailed list of what was done medically also to what XXXX and that is a violation of HIPPA. 

Also, the page showing acknowledgment of receipt of dental materials fact sheet & brident notice of privacy practice neither of the boxes are checked there for documents required to be provided by hippa law were not provided. 

also all the documents provided have discrepancies in the name. I am XXXX XXXX XXXX XXXX. 

The document each show a different name : XXXX XXXX or XXXX XXXX XXXXXXXX Furthermore, as seen in the provided Texas ID the signature does not match any signature provided on any of the documents provided. 

Lastly the bill also states XXXX XXXX, XXXX, XXXX yet the creditor listed is XXXX XXXX and XXXX XXXX  is not listed on any of the documents provided. 

I request that this be removed from all credit reports since it is a violation of my HIPPA rights and FDCPA rights. Also, since the credit reporting company 's documents provided all have discrepancies. 

All discrepancies are Highlighted in yellow.
Product: Debt collection

I am writing in response to your letter dated XX/XX/XXXX, wherein you mentioned unsuccessful investigation attempts with XXXX XXXX. I have attached details for contacting my local XXXX XXXX  branch manager, who conducted an independent investigation and confirmed the information in their ( XXXX  fraud departments ) letter. Kindly reopen the case, verify the provided documentation, and utilize the attached contact information for the branch manager. I prefer written communication via CFPB and request no further phone contact. I will pursue damages, including identity theft and negligent accounts, if not resolved promptly. Thank you, These accounts are not mine, they are identity theft. I've never had a XXXX  XXXX  and Idk who opened these accounts. Chase has failed to provide proof i received cards, address didn't exist on date chase claimed accounts were opened in XXXX, address is new construction home in XXXXChase also failed to validate the documentation proving I've never had a XXXX XXXX  which someone paid these cards. Chase can not validate anything must remove by law. I will continue to pursue this
Product: Credit card or prepaid card

Fraudulent charges were made using my Edd card information the end of XX/XX/XXXX. As soon as I was aware of the fraud I contacted Bank of America to deactivate the card and ask for a new one to be reissued. Bank of America is saying that my account was closed or frozen on accident and that Edd needs to notify them first before they can reopen or unfreeze account. I have made numerous calls to both Edd and Bank of America with no help from either. I need to access the remaining balance that was on the card. It is now XX/XX/XXXX and I am still trying to access my money.
Product: Mortgage

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/XXXX, XXXX XXXX Subject : Loan Modification XXXX To : XXXX I really don't understand why this Modification is higher than anything on the loan. My principle amount is XXXX my original loan amount then in XXXX was XXXX my new money during this modification XXXX. Now the modification in XXXX had to been entered in WRONG as XXXX because it's higher than the principal amount. My amount for 16 months is XXXX close but not correct!! I have been with Nation Star which is Mr.Cooper since XX/XX/XXXX. Why do I feel I am been shafted because every employee with Mr.Cooper say this is totally wrong and they don't understand this situation. I hope and pray the Modification team can make this better for me and my family which we have put most of our earnings into our home. 
Sincerely, Homeowner!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/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
Product: Debt collection

On two attempts I have advised RESIDENT COLLECT that I do not owe any debt to them nor do I have any legal binding contract with this company for any debts.   My case was settled and I have provided court records showing that the case was settled with the original creditor.The debt that they are trying to collect is not valid. I do not owe Resident Collect any money and I am not in any agreement with Resident Collect per the FCRA they have a obligation to show and validate such debt. A copy of a lease from the previous creditor ( which whom I settled with ) is not a valid for of validation that I owe Resident Collect any money. This company continues to report on my file and this by law is n't right. I called the original creditor and they have no file for me and are under new management to date. I will not pay a company that I owe no money to and no legal binding contract
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ca, XXXX SS # XXXX P ) XXXX XXXX ) XXXX TransUnion LLC Consumer dispute center XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute of Identity Theft and Inaccurate Information on Credit Report Dear TransUnion, I am writing to urgently dispute an account on my credit report that is a result of identity theft. The account in question, reported by XXXX XXXX XXXX, does not belong to me and needs to be removed from my credit report immediately. The details of the disputed account are as follows : XXXX XXXX XXXX, Account Number : XXXX. I received an email stating my case was still under review and no changes were made too my credit profile. I mailed all information requested FTC Identity Theft Report ( Report Number : XXXX ) and other personal information on two separate occasions, as requested by a previous TransUnion investigator. I request that you provide me with the status of this case and remove the inaccurate information from my credit profile without further delay. Please find enclosed a copy of the FTC report and any other relevant documentation. Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/ I called chase bank due to several fraudulent transactions on my account. I ordered a new debit credit card and asked if it could be expedited. At that time I was told my account would be closed due to the banks discretion. 
I have over {$9000.00} that goes into my account every month. 
My husband XXXX of XXXX XXXX last year and I became a XXXX with XXXX XXXX children and no life insurance but I did have money from the sale of my house which was over {$300000.00}. That money was stolen from me by a man named XXXX XXXX who told me he would invest it and help me after my husband died. 
The bank did nothing to protect me. I had to cancel my debit card over XXXX x in the course of a yr due to it being compromised at gas stations online u name it. I put stop payments on transactions that I had cancelled months ago and they were still pushed through causing me to go into the negative. 
I have XXXX, child support and my pay check that gets deposited into my account every month. 
I never leave a negative balance and since my father just died this summer my mind has not be right. 
Why wouldnt Chase try to help me instead of closing my account and holding my money. 
I have to feed my kids. I had {$300.00} to put into the account tonight and the bank declined it.
Product: Mortgage

Approximately 30 days from XX/XX/XXXX, I called Freedom Mortgage and informed them that I had received a delinquent tax bill. I spoke to someone in the tax department at Freedom Mortgage at XXXX XXXX XXXX XXXX, and they told me that since I recently refinanced ( i.e., XXXX of XXXX ), there was a delay in their paying the tax bill but assured me that it would be paid within 21 days. 

I then received a delinquent tax bill on XX/XX/XXXX, and I immediately called the tax department at Freedom Mortgage and spoke to a customer service representative with ID # XXXX. She informed me that Freedom Mortgage had sent a check for the delinquent tax bill on XX/XX/XXXX in the amount of {$3100.00}. XXXX  ( approximate amount ). When I informed this person that the tax bill is in the amount of {$3400.00}, she immediately referred me to the tax department of Freedom Mortgage. I then spoke to XXXX at Freedom Mortgage Tax  Department who informed me that a check in the amount of {$3400.00} had already been sent via XXXX and that the check should arrive at the municipal tax office by XX/XX/XXXX. When I asked her what date this check was allegedly sent out, she said that she could not access that information. 

On XX/XX/XXXX, I spoke with XXXX at Freedom Mortgage Tax Department who informed me that the check had NOT, in fact, been sent out but that it would be going out today, i.e., XX/XX/XXXX, and she provided a XXXX tracking number of XXXX. I informed XXXX that I would be following up on this and then informed her that I would like to file a formal complaint for being provided with misleading information. I was then transferred to XXXX at the Escalations Department who took my complaint and said that an investigation would be forthcoming. 

My issue is that from the outset I was provided with misleading information, and I had to relentlessly pursue my issue until someone at Freedom Mortgage took notice. I do not think that misleading customers is ethical and I want this to be addressed.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We completed our loan Forebearnce in XX/XX/XXXX and submitted our initial Loan Modification paperwork to XXXX in XX/XX/XXXX and were stalled with lagging, discriminatory tactics and have reported our account as delinquent although we made the 3 Trial Plan Payments which equated to the full Payment amount which we would be charged after the Loan Modification was completed in on purpose Lag time, as we had to contact the Veteran Administration Affairs on several occasions due to the retaliatory tactics utilized by  XXXX when our loan was transferred to them in XX/XX/XXXX while we were in Forebearance with XXXX. Loan Modification Paperwork was requested to be resubmitted in XX/XX/XXXX as well, although they initially submitted received our Loan Modification paperwork in XX/XX/XXXX, as I was previously informed by XXXX XXXX prior to transferring it to XXXX, that I should submit my Loan Modification 1mth prior to the end of the Forbearance Period, in which we completed.

Upon finally receiving an approval via phone on a recorded line, we were told to make our 3 trial Payments of {$4800.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and should have been reported to all 3 Credit Bureaus as timely payments. They were not late because they were paid on time and we should not be negatively impacted due to  XXXX Discrimination Tactics exhibited towards XXXX XXXX-XXXX  attempting to Refinance. XXXX strategically and systematically discriminated against us during the loan modification process to include the interest rate of 5 %! and subsequently the Trial Payment period which we completed on-time. Also, upon the completion of the Loan Modification approval, the account should  have also been updated as current starting in XXXX as well. These bait and switch tactics are illegal and should be investigated by SEC, FDIC, FTC and the Veterans Administration.
Product: Money transfer, virtual currency, or money service

About 3Q XX/XX/XXXX PNC changed the mechanism and policies related to linking accounts with other banks and financial services such as XXXX XXXX, XXXX XXXX, and XXXX. The procedure for linking accounts requires a mobile phone number. Some mobile phone providers and virtual mobile phones such as XXXX XXXX do not support the SMS messages required by PNC. Other financial institutions with similar requirements appear to support XXXX XXXX numbers and 3rd party mobil phone providers. PNC 's limitations make it difficult for some people who do not use a phone network they support. Furthermore, ( though this is probably a separate issue ) today ( XX/XX/XXXX ) XXXX XXXX was unable to link accounts with PNC even after resolving the issue with mobile phone verification process.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX XXXX have not reported accurately hard inquiries, score, & has claimed high credit balances that are erroneous to deny customer a higher score
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 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 unprotected and vulnerable. In addition, their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial losses, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2021 I returned to the United States and found a couple of fraudulent charges from XXXXXXXX XXXX XXXXXXXX for {$690.00} and {$670.00} on XX/XX/2021. I immediately called Wells Fargo to dispute the charges and spoke with someone who was hard to understand. They assured me that the charges would be investigated and a new card would be sent as my account would be closed due to the fraud. I never visited a place called XXXXXXXX XXXX  XXXX. 

A month later I received a letter stating that my claim was denied because my card was present and in my possession. This does not make sense to me because I am not in possession of my card 100 % of the time. For example, when I hand the card to a waiter or employee to charge then the card leaves my possession and sight. This also happened outside the United States in a place not celebrated for their lack of crime. 

To help my claim, I even submitted a report with my local police department at Wells Fargos request. I reopened the dispute with Wells Fargo and faxed them a copy of the report but I was denied again. I then closed the account on XX/XX/2021 and found out about CFPB and decided to file a complaint with CRPB on XX/XX/2021 and use my final dispute with Wells Fargo.