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

I submitted a previous complaint about unverifiable or unvalidated information being reported. It was not deleted from the consumer report as it should have been. I submitted a letter from an entity named in the report that expressly states the entity is " not responsible for verifying or validating information from consumer 's credit files, '' to the credit reporting companies, therefore Experian should not be reporting the unverifiable, unvalidated information, they are breaking the law. 

Experian suspiciously leaves my name off the dispute report as a criminal would in order to deny the intentional reporting of unverifiable or unvalidated information, though they leave my name on the consumer report that is given as a result of the dispute. Experian does not provide CONTACT information for the public record entity the same way it is listed for other accounts being displayed on the consumer report. Other accounts appearing on the report have information listed next to " Contact Info ''. Experian instead lists " Court Info '' instead of contact info, which does not match the contact information in the official letter provided on the court 's website. I know they did not contact the court and if they did, there still would have been nothing verified or validated. 

Experian claims, " The company that reported the information has certified to Experian that the information is accurate. '' Who was the company that reported the information if it is not the contact info of the court info listed? What is this alleged company 's certification process and where is the certificate of accuracy? I was not provided with any certified proof of who they contacted to verify any information. If there is no certification, how can there be verification especially when the entity explicitly states they do not communicate with the credit reporting companies.
Product: Debt collection

i found a collection for {$240.00} on my credit report from TORRES. 
i was never once informed about this debt, and now it randomly appeared on my credit report as a collection. 
I believe this is a false report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries Dear CFPB Representative, I am writing to formally dispute XXXX unauthorized hard inquiries on my XXXX credit report under the Fair Credit Reporting Act ( FCRA ). These inquiries were made without my consent or permissible purpose, violating the following sections of the FCRA : 15 U.S.C. 1681b ( 2 ) : Permissible purposes for consumer reports 15 U.S.C. 1681q : Obtaining information under false pretenses 15 U.S.C. 1681c-2 : Reporting of unauthorized or fraudulent transactions Below are the disputed hard inquiries : 1. Georgia XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX XXXX. XXXX Credit Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX I did not authorize these institutions to access my credit report, nor did I initiate any transactions or applications that would permit them to do so. Under FCRA regulations, entities must have a permissible purpose to access a consumers credit report. Unauthorized inquiries are a direct violation of my rights as a consumer. 
I request that the CFPB investigate these matters and ensure the following actions are taken : 1. Remove the unauthorized hard inquiries from my credit report.

2. Provide documentation verifying the permissible purpose for each inquiry or confirmation of their removal. 

I have included a copy of my XXXX credit report highlighting the disputed inquiries and proof of identity for verification purposes. 

Thank you for addressing this matter promptly. Please notify me of the outcome of your investigation or any additional steps I may need to take. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX eats issued me a refund over 10 days ago chime is refusing to update my balance XXXX different qnswer I have screenshoys and proof they have been returned long time ago the XXXX business day hold is done still no.bakance update just more lies and excuses they are fully aware they are past the time frame. They are fraudulently administrating the account to steal money. This is the XXXX time I have caught them doing this
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I filed a dispute in XX/XX/XXXX it is not XX/XX/XXXX this is disbute is for {$160.00} that was used while I was in XXXX they say I swiped my card for tickets at the XXXX XXXX ticket stand in XXXX XXXX I am treated rudely every time I call and inquire on my disbute
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me email stating my XXXX had changed shoes a card inquiry On XX/XX/XXXX for new card. I didnt do that
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureau over 8 times to correct multiple address that was found incorrect on my credit profile. The Representative did correct some addressees. The representative stated to me that the other 2 address can not be deleted. I called the creditors that I never did business before and stated them I do not know these companies.The companies are XXXX XXXX XXXX. The other business is XXXX XXXX  .Stated in 15 U.S code 1681 B, c-1, an c-2 these false info most be removed.Also the incorrect addresses are XXXX XXXX XXXX XXXX XXXX Fl XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX. This is my 8 time contacting these credit bureus to fix these incorrect information.The next step will have to send a cease and desist letter.I did every stage to verify that these address were not mines and also the accounts.I am starting to getting emotional damage.I have also uploaded my identification with my correct address to this complaint/dispute
Product: Credit reporting or other personal consumer reports

AN UNAUTHORIZED ACCOUNT IS REPORTING ON MY TRANSUNION CREDIT REPORT. I DO NOT HAVE KNOWLEDGE OF A DEBT OF {$2600.00} AND, THE COLLECTION AGENCY HAS NO LEGAL RIGHT TO REPORT ON MY CREDIT REPORT AS I HAVE NO PAYMENT HISTORY OR CONTRACT OF ANY KIND ALLOWING THEM TO DO SO. SEE ATTACHMENT
Product: Mortgage

I am filing a complaint against Citi Mortgage regarding my review for a XXXX loan modification under the HAMP program. I successfully submitted a workout packet to the servicer. I was told repeatedly that I was quote " in review '' and that the file was being reviewed for home retention under the Government program. I am currently in a toxic interest only loan that is going to reset and my mortgage payment is going to skyrocket, making it impossible to keep my home. I finally received a decision and spoke with my single point of contact XXXX XXXX who stated. " Because you are not late XXXX XXXX you been denied a loan modification. I was provided the net present value findings, some of which were not even properly reviewed. They were left blank. I have opened up a dispute with Citi Mortgage and am soliciting an official complaint with the Consumer Federal Protection Bureau. Citi Mortgage is in violation of a Treasury Guideline under the Making Homes Affordable Program. Citi Mortgage egregious behavior is without questions unlawful. I am asking for a proper review and subsequent approval of my loan modification, which will enable me to keep my home.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed that my credit score been drop by a company call capital one I didnt consent nor authorize this in my name
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, 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 this account though your company claims to have 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 XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, 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/CA 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a charge that was paid off months ago several times through XXXX and directly with XXXX XXXX XXXX I have uploaded the letter from the law firm XXXX hired to collect the debt ( Mandarin Law Group ) confirming the debt was paid in full, copies of the check and bank statements and they still have denied my disputes and will not update.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX days late I have submitted letter from Mortgage Company never late, still will not report accurate. 

I have called, submitted online and certified mailed letter from XXXX mortgage showing proof that my account has never been late and should be reporting accordingly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people
Product: Credit reporting 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 but not limited to 15 USC 1681, 15 USC 1611, and 15 USC 1605. XXXX Accounts # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt is reporting correctly. 15 U.S.C 1611. States youre supposed to be notified of all signing information. 15 U.S.C 1605. States a finance charge is supposed to be a sum of all charges.
Product: Credit reporting or other personal consumer reports

Bank of America has reported I am delinquent with my mortgage payments, and that is a blatant LIE! I have made every single payment as I was instructed to do, and I have not been late with a payment for at least XXXX years. Bank of America has received every single payment/check, and it has cashed every single check I have submitted! I PROVED this to both XXXX XXXX XXXX, by submitting copies of my bank statements showing the checks that were cashed by BOA. The information BOA is submitting and has submitted to the credit agencies is FALSE, MISLEADING & DECEITFUL! I discovered BOA 's untrue claims firstly in XXXX & again in XXXX. I have disputed this with both XXXX & XXXX ; to my knowledge, XXXX is not involved. Prior to Bank of America 's unethical moves, my XXXX XXXX score was XXXX and my XXXX XXXX was XXXX. Due to Bank of America submitting UNTRUE information, my XXXX dropped at XXXX time as much as XXXX points! No company, bank or otherwise, should be allowed to do this to any customer, especially a seventeen-year customer with a superb payment record! Bank of America is NOT TELLING THE TRUTH!
Product: Credit reporting, credit repair services, 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 inquiries ( A ). It is not permissible to fail to validate these reporting inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I Disputed this Account Name : Original : XXXX XXXXXXXX XXXX Current Owner : XXXX XXXX XXXX Date Submitted : XX/XX/XXXX Report No. XXXX XXXX Answer : the Debt is Verify I contact XXXX XXXX XXXX said have them contact us to tell them that this account was settled in full on XX/XX/XXXX And I will sent you a letter to prove that this Account was Settled in full. I will attach this document & Please take off the Deragatory mark on my Account thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me collections for {$800.00} regarding an XXXX. XXXX claims I never sent the XXXX back. I sent the debt collector the receipt from the box I shipped back containing the XXXX in excellent condition. The collection was removed from my credit report from providing evidence. XXXX then had my collection transferred to another agency so it remained on my report ... Ive already proven this is a false debt and they will not remove.
Product: Credit card or prepaid card

I started to close my Regions credit and checking accounts in XX/XX/2022. I had several issues with Regions bank ( not documented here ) pertaining to inability to transfer outside bank funds on an Autopay schedule for credit card payments ; I was told by an initial phone representative that this was not possible, and was moving to California and needed to close my checking, primary savings, and credit card accounts seeing as I would no longer be able to easily deposit or move funds to keep these accounts active. To the best of my recollection, I contacted them approximately six times to try to accomplish these : 1 ) Attempted on the phone and was told that I needed to visit a branch to close the checking account. Created a request to close the credit card account and was told it would be processed or I would be contacted 2 ) Visited a branch, where it was confirmed that my initial concerns about Regions bank and its credit card partner were confirmed by the bank manager and I received my funds. 
3 ) Attempted to close credit card with Regions Greenline customer service, as I received another bill 4 ) Attempted to close credit card with Regions Greenline, as I received another bill. Recurring charges accumulated on the card. As I had closed the account, I expected these types of bills to come due from the merchants ( much as if I had canceled a credit card if it was lost or stolen and the number became inactive ), not for Regions to continue operating an account I had asked them to close several times and had been assured would be processed on these phone calls. 
5 and 6 ) Contacted by Regions customer service twice to attempt to collect fees and charges that had accrued due to their incompetence in closing my account. 

In summary Regions bank Customer Service and its local employees in XXXX XXXX, FL made multiple misstatements, false claims, and attempts to collect a debt which it generated under my name due to its own incompetence deserves thorough investigation so that future consumers are not impacted by its problems. I am sad to see Regions bank struggling with these issues as I was a loyal customer for many years and it was my first bank. I simply wanted to amicably close my accounts and am so disappointed to see how poorly this entire process was conducted. I hope the CFPB can review the calls and conversations where available to determine what went wrong.
Product: Debt collection

I try to get help for unpaid XXXX account which was send to collection agency and For more than XXXX  year no able to renew my license because this. I lost house job I went for leg XXXX and I need my car be able to drive and get my drive license back again this take my way to live and I cant live like this anymore over charge me.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and noticed that I have a late payment on account that I was never late for.Consumer Reporting Agencies have a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account XXXX XXXX XXXX # XXXX opened XX/XX/2020 Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated as they should be to on time as they should be as I WAS NEVER LATE.. Thank You
Product: Money transfer, virtual currency, or money service

Hi, I have a XXXX XXXX account with Paxos that I opened with $ XXXX in XX/XX/XXXX via Interactive Brokers. As you probably know, Paxos is closing XX/XX/XXXX. I have been trying unsuccessfully to reset my password to login to Paxos this past week. Their email response was to " reset my XXXX  password, '' as if that would help lol. They are obviously blowing me off after multiple attempts at sending help requests from their website, which has no phone number ; nor can I find XXXX online. I need help making my final withdrawal from Paxos. I have called XXXX twice and they are unable to help me. They give me a runaround that my Paxos account is not connected to my XXXX  Brokers account, which I know, as it never was, as I am retail customer without crypto trading priveleges, even though I opened the Paxos account XXXX  years ago using my XXXX  account because you HAD to be an XXXX customer to be able to open and make deposits to a crypto account with Paxos. See attached screenshot showing XXXXXXXX XXXX guide to logging into Paxos... 
Also back in XX/XX/XXXX I tried to withdraw money from my Paxos account several times. Although I went to my bank to confirm the correct XXXX  number, etc., Paxos rejected or declined the transfer of my money back to my account several times : see screenshot of emails. 
I hope to hear from you as I do not want to lose the money I have at Paxos just because they think I am too small an account to try and hunt down my transfer! 
Warm regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a XXXX point credit score decrease, when there is no valid reason for the decrease. XXXX reported erroneous information regarding my having an account with XXXX which I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inaccurate and inconsistent information has been a problem for me for several years. I have previously made complaints in the past, but nothing has changed. Except for XXXX, XXXX and TRANSUNION credit history information has remained inconsistent for several years. My XXXX and TRANSUNION credit history should be consistent with my correct XXXX credit history.