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

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$630.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX {$21000.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Product: Debt collection

Radius Global is attempting to collect a debt that does not belong to me. In addition, the debt doesn't belong to Radius Global. They have repurchased a fraudulent debt after the debt was verified as not mine by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am writing this statement on my behalf in regard to the following information on my files/bureau reports. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit files. I reported the theft to the Federal Trade Commission, CFPB, and local police authorities. I request that the following items be removed from my credit report immediately : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I found out my Money Network card had been charged with {$1600.00} of transactions I did not make. I made a dispute claim and the card company said their investigation showed that it was digitally validated the second card came in the mail and before I could use it my account was compromised again so that card had to be closed as well. I made a police report and sent in an appeal for the dispute with evidence of me being on a different side of town than where the transactions took place. I still have not heard anything back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : Charge Off : XXXX-Balance {$1400.00} XXXX XXXX XXXX-Balance {$700.00} XXXX XXXX-Balance {$2000.00} XXXX XXXXBalance {$0.00} XXXX XXXX  XXXXBalance {$400.00} XXXX-Balance {$2500.00}
Product: Debt collection

I pulled a credit report on XX/XX/XXXX and noticed 2 charges from Receivable Management Group on there, one for XXXX and XXXX. I have never heard of this company, or been contacted by this company. So I called the number listed on the report on XX/XX/XXXX. I asked what these charges were for. They couldn't give me specifics but stated it was for services a company called XXXX XXXX XXXX provided. I asked for a statement of charges or verification of charges. They also gave me a number for XXXX XXXX XXXXXXXX  along with an account number - and asked I call them for more info. So I did. When I did, they noticed the one charge for XXXX was billed under my maiden name, and to an address I haven't lived at in over 10 years. But they let me know it was XXXX  services for the time I went to the ER over a year prior - service date of XX/XX/XXXX. I stated to them I had insurance with XXXX XXXX XXXX which was provided to the hospital at the time of service. All other outfits billed insurance accordingly. And I had the statement of benefits from that time and XXXX XXXX XXXX never even billed insurance. Nor did I ever get a bill from them directly. I gave them my insurance info, and the associate there said they would submit to XXXX XXXX XXXX directly. I asked them to remove this from collections as it was their error and they refused. They did say once payment is received from insurance, likely within 30 days, it will be removed. So I waited 30 days. Called XXXX XXXX XXXX  again on XX/XX/XXXX and spoke to another associate. They stated they did not even submit to insurance, that it is still being reviewed. I said it was unacceptable as this is not my debt and is causing my credit harm. She asked for my insurance information AGAIN which I provided, and she said she would escalate and get this submitted again. I waited another week, and called my insurance company, to see if any claims were submitted to them by XXXX XXXX XXXX, and they did not see anything. XXXX XXXX XXXX even called XXXX XXXX and spoke to someone whom again asked for all the insurance information and even asked for the address to mail the claim. Then stated they would submit this for insurance because again it still hasn't been done. This is not my debt. This outfit is in network and had they billed insurance properly to begin with they would of been paid in full by now. And they are clearly stalling and damaging my credit because of their mistake. This is legally not my debt.
Product: Mortgage

We had a 30 year mortgage with XXXX Mortgage from year XXXX to XXXX then XXXX Mortgage transferred the servicing of our account to XXXX XXXX XXXX. Then XXXX transferred the servicing of our account to XXXX Mortgage and just here recently XXXX Mortgage transferred the servicing of our account to NewRez. We just told recently that we did a 50 year loan with XXXX XXXX and did a modification for XXXX which in year XXXX then we are to pay the XXXX no interest. None of this is true and we need help.
Product: Bank account or service

To Whom This Concern I had my retirement fund account closed and over  XXXX  was to be deposited to my bank via electronic transfer I called  XXXX   XXXX  at  XXXX  to say the funds were not in my account they said they transferred it earlier in the afternoon.  XXXX  told me the funds would not be available until  XXXX  am midnight which made no sense because the funds were electronically deposited into my account through wire transfer and should have been available immediately.  XXXX  also said they had no could n't see the deposit coming through but it would be available at midnight. Her name was  XXXX   XXXX  her supervisor was  XXXX   XXXX  and her  manager  was  XXXX   XXXX . I also asked who I could file a complaint with weather it be the FDIC or whoever she told me she had no idea and had no interest in finding this information out when its a federal law that they are supposed to know these things.   I appreciate your time and attention to this matter. I can be reached at  XXXX
Product: Mortgage

My loan serve company, LoanCare , LLC, ( Street Address:XXXX XXXX XXXX XXXX XXXX , VA XXXX ), failed to pay property tax of 2019 to the local county for my house even though they have my escrow account ( enough amount in the account to pay tax and issurance ). 

Also, they made mistake in the escrow account amount, significantly understate the accumulated amount. 

The local county keeps sending me 2019 property tax bills with penalty and state they may initialize the foreclosure procedure. The bill is due XX/XX/2019 I called LoanCare so many times, asking them to make the tax payment and correct the escrow account amount, but they are very unprofessional, let me wait for more than 30mins for every call and then tell me to just wait. My request is being kicked and played between customer services like a ball. I really do not understand why it is so hard to make the propety tax payment and adjust the escrow amount?
Product: Vehicle loan or lease

I'm am a United States Army soldier currently XXXX in the XXXX XXXX. Before my XXXX I was involved in a active duty training exercise. The month 's of these training exercise were, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2017. I was late paying my car during that time because the training was in a remote area, with very limited communication. Upon returning, I contacted Wells Fargo Dealer Services to make arrangements. I was told to fax a copy of my orders to them and the late payments that had been reported to all 3 credit  reporting agencies would be removed.
Product: Credit card or prepaid card

I responded to a XXXX % APY, 12 month, offer from capital one by cashing a couple of Checks they had mailed me. The transfer fee amounted to {$210.00} or 3 % of the amount the checks were written for. By the end of the first month in the loan they charged my linked checking account the entire loan amount plus transfer fee. The reason being that autopay was set incorrectly to " pay monthly balance ''. I tried plead with them unsuccessfully. One manager offered to reimburse half the fee. I did not agree.
Product: Credit reporting 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 remove these items ( A ). It is not permissible to fail to remove these reporting items 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 corrected XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXXXXXX Balance : {$9300.00} ; XX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXXXXXX XXXX ) XXXX Balance : {$3400.00} ;XX/XX/XXXX XX/XX/XXXX Balance : {$580.00} ; XXXXXX/XX/XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was a victim of identity theft in XXXX. This resulted in unemployment and credit card fraud with XXXX companies. The unemoyment fraud has been remedied but it has been extremely difficult removing the XXXX credit cards reported to my report. Debt collectors continue to attempt contacting me.
Product: Credit reporting or other personal consumer reports

The two attached complaints were filed in XXXX. It is 60 days and the issues are not resolved. I paid off an entire loan in XXXX of XXXX. The creditor Affirm and experian refuse to fix this problem. Instead in the month of XX/XX/year> they show that I have a late payment. How can I have a late payment when I paid this off! 

The CFPB needs to do their job and get the creditor and the credit company to fix the problem or they will be part of my motion that I'm filing in court. I will ask them to have a representative show up and explain why they did not uphold fair credit laws. The creditor and the credit company will also be responsible for telling me why are they took more than 60 days to answer back a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Citi card attached to my XXXX Membership and on the XXXX of XX/XX/2021 I Renewed my membership in store with my debit card. The Citi company auto charged me for my membership so I called and they removed the charge. A month later they again charged me for my membership without the direction of XXXX or myself so this was a fraudulent charge they made which I was unaware of until i started getting harassing text messaging and late fees. Since then I have called and been put on hold for hours hung up on told its in the process, told that they sent it over for fix, all in the process of getting more late fees and being told it takes a couple days to come off the account. It has not been resolved as of today XXXX and i just got off the phone with them again with the same answer that they have sent it to dispute for removal. The phone calls have been non stop harassment and embarrassment for me while I am at work and in my personal life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report.

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid.

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it.

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it.

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information.

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.
Product: Credit card

On XX/XX/2024, my card issued by Aspire, XXXX XXXX XXXX was declined. I was told the reason was because I filed bankruptcy. This is false, as I did not file bankruptcy, nor ever have. This exact problem happened a year ago and they admitted their mistake. I asked to speak to a supervisor and explained that their bank had made this mistake before. I received absolutely no attempt from the supervisor to look into the matter, informing me that I did inform fact file bankruptcy and that there was nothing they could do but close my account. I'm am shocked and appaled that this is how they treat valued customers, as I have an excellent credit rating and have never been late on a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW!!! 

Dear Equifax, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system depends upon my consumer reports being fair, and accurate to me. Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 2 ) congress make it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 usc 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, causing XXXX XXXX and XXXX XXXXXXXX. I have been unable to get a job because of you assuming this role. 
Pursuant to 15 usc 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction even took place. You are also impartial, because you allowed information to be reported while only hearing one side of the story. You also infringed on my privacy.by having a conversation about me with a third party and reporting this information as a result of this third party. I am demanding that this information be removed as soon as possible.

Pursuant to 15 usc 1681 ( a ) ( b ) You did not meet the needs of commerce this was NOT fair and equitable to me. This information is NOT accurate.

You are in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction, Which you would not know because you was not there, it would be a transaction that solely took place between and the person that allegedly made this report. So pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my report. 

ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX
Product: Checking or savings account

I opened a Capital One 360 savings account in XXXX to hold funds for a house closing on XX/XX/XXXX. Immediately after opening, I linked my XXXX   XXXX  account and moved $ XXXX into Capital One via ACH. On XX/XX/XXXX, I received wiring instruction from my lender 's attorney on where to wire the funds for closing ( {$220000.00} ). The account to which I was supposed to wire is an IOLTA account serving escrow from the attorney to the lender, XXXX XXXX XXXX. I was told that Capital One would not honor it because it did not meet whatever their standard was for a wire despite that they say I can wire up to $ XXXX to an external entity for these needs. At a loss because I needed those funds the next day, I asked them to wire the funds back to the XXXX account with which I initially opened the account. They said no because XXXX uses a different prefix on account numbers for wires than they do for ACH. So since the account numbers weren't exact matches, they would not do it. I had another account with XXXX XXXX XXXX   linked to the account. I asked them to wire to that one. They said that since it had not been linked long enough, they would not do it. I asked for a cashier 's check. They said I would need to open a 360 checking account. But after I opened one, they could not do anything with it. I think this may have just been an effort by the customer service agent to try to body his numbers for accounts he opened. After fruitlessly opening the checking account, they told me I could go to a branch and get a cashier 's check. I'm in XXXX. The closest open branch is in New York. It would be physically impossible to make it before the branch closed. I understand that Capital One needs to have security protocols in place but it is unreasonable, after I established that I was who I said I was, that they refused to give me any avenue to get my funds. Now my closing is in jeopardy and I am going to have thousands of dollars of losses ( movers, temporary storage, etc ) because they refused to furnish me with my money.
Product: Credit card or prepaid card

I was laid off on XXXX, I filed my EED claim. 
When I call the bank asking for my debit card, what they do is to block the " card in transit '' and issue a new one. 
BOFA has issued 5 debit cards, each one of them per time I have called them  to request status of the Debit card and none of the 5 cards has ever reached my address. 
My address on file is correct. 
I have 3 months waiting for the first card they said they have issued but I have never received any. 
I need to access to my unemployment payment