23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX XXXX XXXX account # 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 a account without my written instructions. 



Date XX/XX/2022 XXXX {$870.00} Attempted to dispute account as it is unrecognizable, dispute processed and no changes were made to credit reports.
Product: Debt collection

To Whom It XXXX Concern : I sent a DEBT VALIDATION letter on XXXX accounts that Resurgent Capital Service is trying to collect on XX/XX/2022. I was requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I'd requested to provide me with the following documentation. ( Please read below ) Account # XXXX {$3100.00} amount Account # XXXX {$12000.00} amount Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Payment history. 


I received a letter from Resurgent Capital Service with only a copy of a portion to the original contract ( The letter was not certified ) and they did not provide me with the documentation I have requested. Please I'm asking for CFPB to step in and help me with this matter.
Product: Credit reporting or other personal consumer reports

In the attachment you will see that the " date opened '' dates on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, show discrepancies. These inaccuracies are causing a negative effect to my credit report.
Product: Credit reporting or other personal consumer reports

Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$0.00} for Commenity bank/victoriassecret, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Trying to fix my credit started XX/XX/year>, I've been reaching out to the bureaus as well as the creditors reporting on my credit report. 
I sent out a total XXXX letters to the bureaus and XXXX letters to the creditors. i also was receiving responses stating that the collections has been outdated or past statue limitations and has filed 1099-c on one of the collection. 
I have evidence of the letters back in XXXX that some of these items would be removed, COMMUNITY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HAS BEEN DISMISSED XXXX BANK {$0.00} XXXX ALSO WAS SUPPOSED TO BE REMOVED JOMAX RECOVERY WAS PAID IN FULL XXXX FED NO XXXX XXXX RESPONSE THEY ARE PAST STATUE OF LIMITATIIONS
Product: Debt collection

Receivables Management Partners , LLC at XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$1100.00} the collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

The following accounts are being reported n my credit file contain multiple inaccuracies which the credit bureaus are allowing and not removing. The accounts are as follows : 1. XXXX - ( 2 ) accounts listed have inaccurate payment history reporting and balance 2. XXXX XXXX XXXX - inaccurate account balance and payment history 3. XXXX - balance inaccurate 4. XXXX XXXX- ( Acct # XXXX ) closed p/charge-off account reporting payment history
Product: Debt collection

This debt doesn't belong to me. It is to be charged to a business. After speaking with these people and them calling me from different phone numbers and explaining to them this belongs to a business and not me personally they said oh well it is in your name and not the business when in fact, i did explain each time it shouldn't be and they should contact the originator of the bill for clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you. 

( XXXX XXXX )
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 vulnerable and unprotected. Furthermore, their dispute resolution proces 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 financial loss, and I seek appropriate redress ( 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 process 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 financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and realized there are accounts that are not mine which I have no knowledge of. I am a victim of identity theft and am attaching my notarized affidavit. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

This started in XXXX. Between XX/XX/XXXX and XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX also known as XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm. this firm promised increased growth because of their advanced bot system. 
When all deposits were made the company refused to follow through with providing the funds that was promised. As soon as I realized this I contacted Coinbase twice, they do not send any recommendations but to report this crime to the police. The police are not equipped to investigate crypto currency. As it is new and the scammers no doubt take advantage of this. Coinbase has not taken any actions to rectify this issue which is why I am filling a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very unhappy with CMRE Finance. They promise me that if I paid all the collections I had with them they would deleted them. They still have not done it. I paid them several months ago so they should not still be on my report. I feel they lied to me just to get their money. If even showing on my report that they have been settled now they need to be deleted.
Product: Credit reporting or other personal consumer reports

Complaint Summary : I am filing this complaint against Experian for failing to resolve inaccuracies on my credit report and for not adequately investigating disputes, as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes regarding two XXXX XXXX accounts and one bankruptcy record, Experian has failed to verify the accuracy of the information or disclose the source of the bankruptcy data. These issues are negatively impacting my credit score and financial standing. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for engaging in sham investigations of consumer disputes, which aligns with my experience. Experian has not provided meaningful responses to my disputes, nor has it ensured compliance with its obligations under the FCRA. 

Details of the Issues XXXX XXXX XXXX Accounts with Inaccurate Reporting : Account XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) Status : Charged off as of XX/XX/XXXX with a balance of {$440.00} Account XXXX XXXX XXXX  XXXX ( Account # XXXX ) Status : Charged off as of XX/XX/XXXX with a balance of {$200.00} I have disputed these accounts multiple times ( e.g., XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), yet no verification or corrections have been made. 
Bankruptcy Record with Inaccurate and Unverifiable Information : Record : Filed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Ref # XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has confirmed that it does not provide bankruptcy information to credit reporting agencies. Experian has failed to disclose the source of this data or validate its accuracy despite my repeated requests. 
Failure to Properly Investigate Disputes : Experian has not conducted a reasonable reinvestigation of my disputes, as required under 1681i ( a ) ( 1 ) of the FCRA. The CFPBs lawsuit against Experian highlights systemic failures to properly investigate disputes, which directly reflects my experience. 
My disputes were dismissed without sufficient documentation, violating the CFPBs enforcement guidelines and Experians legal responsibilities to consumers. 
Basis for Complaint : Violation of 1681e ( b ) : Experian failed to ensure the maximum possible accuracy of the information reported, including the bankruptcy record and XXXX XXXX accounts. 
Violation of 1681i ( a ) ( 1 ) : Experian failed to conduct reasonable reinvestigations of my disputes and ignored documentation I provided. 
Violation of XXXX ( a ) ( XXXX ) : Experian has not corrected or deleted unverifiable information from my credit report, as required by law.
Product: Checking or savings account

this is my prior complaint XXXX they did not address the issue in that complaint but my complaint was closed anyway. 
I would like you to look into this further. Their response is first, a lie, XXXX XXXX never said they may not honor the check. Secondly, they already said this nonsense prior to me filing a complaint. Third, the response does nothing to address the issue that they had the funds-the funds were released to them by XXXX the same day the deposit was made, yet, they held onto that money for 10 days. Its not as though XXXX  did not release the funds and said " wait a minute, lets see the check '' No, they released it right away. 
The letter also says they can contact the other institution and see if it cleared and release the funds early. That is not what they told me, they told me there was no way to lift the 10 day hold. 
Then after all of this, they back dated the deposit to make it look like it cleared on the XXXX. 
All of this nonsense and lies just makes me more upset. 
Please insist on a response with documentation from XXXX saying they may not honor the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$22000.00}
Product: Debt collection

XXXX XXXX purchased junk debts - Debts were discharged in Bankruptcy 2011 They have reached Accounts - Changed dates Inflated amounts They refuse to correct
Product: Credit card or prepaid card

On XX/XX/2018, my husband and I went to Pep Boys to buy eight new tires for our two vehicles because Pep Boys was having a promotion of buy two tires, get two free. Upon  arrival at the store, there was also a promotional sign stating that if you applied for the Pep Boys   credit card and were approved, you would get an additional 15 % off your purchase that day. The manager of the Pep Boys also informed us of the credit card promotion when payment was being discussed. My husband and I each applied for the credit card. Both of us were approved. I purchased the tires for my vehicle on my newly approved credit card and my husband purchased tires for his vehicle on his newly approved credit card. I asked the manager of the store how we would get the 15 % off the individual purchases and he informed me that the credit card company would take the 15 % off. About a month and a half later, after receiving the first statement on my credit card, I called the credit company that had issued the card from Pep Boys, Synchrony Bank, to ask how/when the 15 % off would be applied to the purchase. The representative at Synchrony Bank informed me that it could take up to 3 billing statements for the 15 % to be applied to purchase and to pay the minimum payment until i saw the statement credit applied. In the beginning of XX/XX/XXXX I still did not see the 15 % come off on either my husband or I 's statements for our credit cards. I then called Synchrony Bank again and a representative told me she did not know which promotion I was talking about and that there was no record of a promotion like what I was describing existing. The representative at that time suggested I call the Pep Boys store I made the purchase at to get more information about the promotion and to call back. I then called the Pep Boys I made the purchase at and the manager could not remember this credit card promotion either. I then went online and found the Pep Boys flyer from the time frame of my purchase ( https : //blackfriday.com/ads/black-friday/pep-boys/2 ) and realized that I was wrong about the promotion being 15 % because in the flyer it stated 10 % ( up to {$50.00} ) would be paid as a statement credit. I then called back Synchrony Bank and a representative informed me that in order to be eligible for the promotion I needed to have registered for the promotion by a certain date in XX/XX/2018 and the promotion only applied to purchases that were over {$490.00}. Even when i gave this representative the link to the above mentioned flyer, she told me that this was a Pep Boys promotion and had nothing to do with Synchrony Bank. This representative refused to give me any credit to my statement for the promotion.There is clearly either false advertising or a hidden requirement for this promotion. I never received any material in the mail or via email regarding the requirements the representative stated. I was also given conflicting information from representatives at Synchrony Bank from XX/XX/XXXXto XX/XX/XXXX.
Product: Mortgage

For XX/XX/year>, the mortgage payment was missed though the founds were available for the payment. 

Security Service Federal Credit Union did not communicate with me by email, phone number or electronic portal message. They have my information on file, which is correct. 

I am concerned there are no safeguards to inform customer their payment was not received or is late. 

I do not have any missed calls from security service. I called to report the problem but they can not do more. They show call attempts were made and messages sent, however, their third party electronic system they use did not communicate with me. 

I found out of the late payment because of XXXX XXXX reporting informing me of missed payment.
Product: Credit reporting

I was at a casino, I left my bag behind and went back to get it and it was there, but my wallet was gone. Please investigate this right away. I am a victim of Identity Theft
Product: Checking or savings account

XX/XX/XXXX I've opened XXXX XXXX XXXX for XXXX month with 4.25 % APY with the Ally Bank. 
Initial amount {$100000.00}. This account 's matured on XX/XX/XXXX and has been closed with interest earned {$6000.00}. 
I've complained to Ally XXXX customer service that promised earnings according settled APY should be at least {$6300.00}. 
The case has been opened and in XXXX business days I've got phone call, not from the investigatoXXXX, but from regular phone answering person that bank calculations are correct no further explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I noticed that XXXX XXXX XXXX powered by Experian offering within the XXXX XXXX app stated that my credit check status was only " Fair '' due to 3 recent hard inquiries ( see XXXX attached ). As two of the inquiries on my credit file were for mortgage preapproval and both were on XX/XX/2022, and based upon my understanding that real estate mortgage inquiries only count once within a 45 day period, which is highlighted in " What exactly happens when a mortgage lender checks my credit? '' attached, I believe should only have my hard inquiries on my record currently count ( as of time of this complaint ) as 2 inquiries. 2 inquiries would put me into the " Good '' category ( see recent credit hard inquiries XXXX attached ). As a result of this, I called Experian on XX/XX/2022 at approx. XXXX ET. The representative said that even though mortgage inquiries should count as 1 combined, they show up as separate inquiries because they are from different companies. As a result, she informed me that 3 hard inquiries will continue to show up on my credit report. When I inquired if this changed my status to " Fair '' she informed me that she could see no information about my credit score at all and I'd need to speak to " Membership. '' I decided to follow up and call XXXX instead at approx. XXXX ET. When speaking to the XXXX representative, I was told all the information was coming from Experian, and they see whatever Experian shares, which I understood to include the Fair credit check status and 3 inquiries rather than Good status and 2 inquires. I was told that this was Experian 's responsibility to ensure was reporting accurate information and all the information comes from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notice a account/collections on my consumer report that doesn't belong to me. 
ACCT ... XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX, does belong to me. Could you please remove these FRAUDULENT ACCOUNTS from my consumer report. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THESE ACCOUNTS HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. INSTRUCTIONS THAT I COULD NOT HAVE GIVEN, BECAUSE NONE OF THESE ACCOUNTS BELONG TO ME.
Product: Checking or savings account

I opened a Citi checking account on Tuesday XX/XX/2023. I initially deposited XXXX $ into the account. I read the terms and agreement and realized I needed to have a minimum of {$1500.00} balance to avoid the monthly fee. I deposited {$2000.00} into the checking account on XX/XX/2023 via personal check that my wife drew up. The check cleared and on XX/XX/2023 I received an email notifying me that my account will be automatically closed in 60 days. I contacted their customer support phone number on XX/XX/2023 to discuss the matter but the customer service representative stated that they could not reveal any details about the account. I have not even had this checking account for 1 month and Citi has decided to close the account. I have been using Citi for their credit cards for 2 years prior to this so I am not a new customer to Citibank. After such a fiasco, I intend on never doing any business with Citi and recommend others to stay away.
Product: Debt collection

This company had me on a contract for a price that lasted 12 months. This price was raised without me basing aware. I called and disputed this last month they agreed to adjust the price. I have now received a letter that they sent it to collections. The price was not changed or adjusted
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was still incorrect when I reviewed it again. You need to validate this account and fix its status. My credit report includes the following erroneous information regarding this account that needs to be investigated and corrected :