23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear Sir or Madam, After months of back and forth with Citi Bank, I was able to verify my identity with the fraud department on XXXX XX/XX/2024. I was told by XXXX XXXX that my account was set for closure and within XXXX days I would receive a check in the mail of the balance in my closed account. I waited patiently and called today, XXXX XX/XX/2024, and spoke to XXXX XXXX. She refused to verify me with my phone number, a number that was issued by XXXX and not a temporary phone number. She asked me some questions and managed to get around the text confirmation. XXXX XXXX told me she has no clue why I was not issued a check and, at first, offered to call me back, but then refused to use my phone number. So, she told me to call back in XXXX hours. If I had not called, I would never had heard anything from Citi Bank. They had told me a month ago they would contact me by letter, but never did.
Product: Debt collection

I had a cellular account with  XXXX  which I transferred to another carrier in  XXXX .  XXXX  sent me a an incorrect bill for the month I transferred the service. I did not ignore the bill. I contacted  XXXX  and they confirmed that the bill was incorrect. I have this documentation in writing as a online chat transcript from  XXXX  that I will be submitting with this complaint.      XXXX  never corrected the bill. Rather, they first turned it over to collection agency called  XXXX   XXXX   XXXX   XXXX  in, and around,  XXXX   XXXX . I became aware of this when my excellent credit rating dropped. I immediately notified the  XXXX  credit rating bureaus and they removed this from my file when I provided them the  XXXX  transcript.      XXXX  in, or around  XXXX   XXXX , then turned it over to another collection company call ed Afni, Inc.   They reported it as negative on at least  XXXX  credit reporting agencies  XXXX   &  XXXX  . I again, reported it as a dispute and  XXXX  deleted if from my file. However,  XXXX  came back and reported to me that it was a correct bill based on the feedback fr om Afni, Inc. a nd still have it as a negative in my file.     On  XXXX   XXXX ,  XXXX  I wrote to both  XXXX   & Afni, Inc ou tlining the situation including the transcript directly from the vendor,  XXXX , that indicates the bill is not correct. They both have come back and reported to me that  XXXX  now says the bill is correct and   XXXX   will not remove it from my credit file and  Afni , Inc. indic ates they may resume collection activities.     Apparently if a vendor tells   XXXX   and  Afni, Inc that a  bill is correct, even if they have themselves verified it as a incorrect bill,  XXXX  and  Afni , Inc. will  take the word of the vendor over the customer. I have a  XXXX  plus year credit file with no negatives. This has been a tremendous amount of work and has negatively impacted m y credit score  by  XXXX  to  XXXX  points. I respectfully request that you assist me with resolution of this matter.
Product: Debt collection

I am filing this formal complaint regarding Experian 's failure to comply with my credit report dispute, dated XX/XX/year> ( DISPUTE IDENTIFICATION : XXXX XXXX XXXX XXXX ). Despite my clear and specific demands under the Fair Credit Reporting Act ( FCRA ), Experian has failed to correct or remove inaccurate personal information, including incorrect names and addresses. Additionally, Experian has failed to comply with my request for full documentation, manual verification, and direct communication with original furnishers. 

Documentation Provided to Experian : As part of my original dispute, I included : A signed and notarized affidavit of address verifying my correct current address as XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
A copy of my government-issued ID and Social Security card , both reflecting my correct address.

Despite this, Experian has failed to remove the incorrect addresses or provide any verification of the disputed information.

Violations of the FCRA : Failure to Ensure Maximum Possible Accuracy ( FCRA Section 607 ( b ) ) : Experian has failed to remove incorrect names and addresses from my credit report, including variations of addresses at XXXX XXXX XXXX XXXX XXXX, and others. This failure violates FCRA Section 607 ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information reported.

Failure to Provide Full Documentation ( FCRA Sections 609 ( a ) and 611 ( a ) ) : I requested full documentation showing how each item was verified, including original signed contracts, proof of identity, and transaction histories. Experian did not provide these documents, violating FCRA Sections 609 ( a ) and 611 ( a ).

Failure to Conduct a Manual Reinvestigation ( FCRA Section 611 ( a ) ) : I explicitly requested a manual reinvestigation without
reliance on automated systems like e-OSCAR. Experian failed to comply with this demand, violating FCRA Section 611 ( a ).

Failure to Notify Furnishers of Disputed Information ( FCRA Section 611 ( a ) ( 2 ) ) : Experian did not provide proof that it notified the furnishers of the disputed information within five business days, as required under FCRA Section 611 ( a ) ( 2 ).

Failure to Provide Investigation Process Documentation : I requested a time-stamped process of the investigation, including names and employee IDs of those involved. Experian did not provide this information, which is required under FCRA Section 611 ( a ).

Requested Resolution : I request that the CFPB require Experian to : Delete all inaccurate personal information from my credit report, including incorrect names and addresses.

Provide full documentation of how each item was verified.

Ensure all future communication is conducted via certified mail with return receipt requested.

Compensate me for non-compliance, as allowed under FCRA Sections 616 and 617, at a rate of {$1000.00} per violation for willful or negligent non-compliance.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and frustration regarding my recent dispute to correct a late open account on my credit report. Despite my initial attempt to rectify this issue, it remains unresolved, and I urge you to take immediate action. 

I submitted a dispute with your organization to address an erroneous late open account on my credit report. I provided comprehensive evidence supporting my claim, including documentation that verifies the inaccuracy of this information. However, it has come to my attention that the late open account still appears on my credit report. 

I insist that this matter be addressed urgently, as the presence of this late open account is causing significant harm to my financial life. It has unjustly lowered my credit score, affecting my ability to access loans, credit cards, and other financial services. I am entitled, as a consumer, to have a credit report that accurately represents my financial history. 

I request the following actions to be taken promptly : A thorough and expeditious reexamination of the late open account in question.

Imm

ediate removal of the inaccurate information from my credit report. A formal, written explanation of the corrections made to my credit report. I trust that you will treat this matter with the urgency and professionalism it deserves. Failure to address this issue promptly may compel me to take legal action to protect my rights as a consumer.

Enclosed with this letter, you will find copies of the evidence I previously submitted during my dispute for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your assistance to correct this account XXXX XXXX XXXX  Balance : {$470.00}.
Product: Mortgage

My account with the money source ( formerly with XXXX XXXX ) has been consistently put into forbearance since 2020. I have repeatedly stated that I never wanted it to go into forbearance. I have asked for the paperwork / proof that i requested the loan go into forbearance. I have been denied access to that proof, while each lender, currently the money source, keeps making changes to my account without my consent. 

I will repeat, my account has been repeatedly put into forbearance without my consent. Basically, changes have been made to my account without my consent. 

I have requested the proof of my request for forbearance from my lender and I keep getting denied that proof. I believe that all my lenders are complicit with the illegal activity being sanctioned against me.
Product: Money transfer, virtual currency, or money service

I oppened a Coinbase account on XX/XX/XXXX with {$1000.00}.

Then I activated my XXXX   account through them and transferred {$2100.00} and then on XX/XX/XXXX {$250.00}.

I made some purchases and sales of ETH and BTC On XX/XX/XXXX I purchased {$640.00} worth of Bictoin for a total of XXXX BTC ( Priced at {$6400.00} ) and left around {$1000.00} USD available to trade ; However, on XX/XX/XXXX my account was restricted, I contacted XXXX on XX/XX/XXXX and I received a message that my issue was being escalated, on XX/XX/XXXX I was asked to submit my ID again, which I successfully did, but still did not work, on XX/XX/XXXX I got an email that the issue was still being escalated with an specialist but still nothing, it has been more than 2 months with my account restricted and my funds not released.

I am glad I have printed history transactions to back up my transactions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information XXXXXXXX XXXX XXXX collecting on an account that I do not have with this company. I have submitted certified mail to request a validation letter and I have yet to receive one. This company has reported on XXXX XX/XX/XXXX, Experian, XX/XX/XXXXXXXX  and XXXX XX/XX/XXXXXXXX  reporting inaccurate information that can not be verified. The credit bureaus ( XXXX, Experian, and XXXX ) continues to verify the information is accurate with no supporting documentation. I am requesting that the credit bureaus delete this account if this information is reporting inaccurate with XXXX XXXX XXXX collection agency.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting or other personal consumer reports

My America Express account is past the statute of limitations and I would like it removed from my account in accordance with the FCRA.
Product: Mortgage

I am complaining in the strongest possible terms about the circumstances regarding my house insurance premium not being paid to date. 
5/3 Bank has absolved me of the responsibility of paying the premium myself through the use of your escrow system. My premium was due on XX/XX/XXXX last. I received a letter from XXXX informing me that our policy was about to be cancelled on XX/XX/XXXX at XXXX. Letter dated XX/XX/2016. I received the letter on XX/XX/2016. I was on the phone at approximately XXXX, only to be disconnected at XXXX by your customer service rep XXXX. 
I then drove to the branch in downtown XXXX at XXXX. 
I sat with XXXX while she went through phone queue hell. While on hold, she explained to me that there was a glitch due to the bank having changed escrow providers, she also pulled up an internal email explaining to the staff of this problem. Your customers, me, were not informed of any problems with this at all, I had to find this out on XXXX when I visited the branch. XXXX was then told that the check to XXXX was in process and would be mailed the next day ( XX/XX/XXXX ) I was also told by XXXX, after she got in touch with XXXX, that if a check number could be supplied, it would give me a 10-day extension. Of course, there was no check number available. I left the branch at XXXX I got a voicemail from customer service on XX/XX/XXXX at XXXX explaining that the check had already processed and that a next day delivery was not an option. 
I checked my insurance online today and still no payment to the insurance company. I then went to the branch in downtown XXXX at XXXX and spoke to XXXX , ( or XXXX ) We spent over an hour in the phone queue to the Escrow department. We found out that the check was not mailed out till XX/XX/XXXX. We got the check number so that I could forward it on to XXXX insurance, if they do n't receive the check on the XXXX. 
I left the branch at XXXX. 
What I would like is the following : An explanation as to why none of your customers were informed of this issue. 
An assurance from 5/3 Bank that it will assume any responsibility for any claims that may arise until the insurance is back in force and in good standing An explanation as to why I was lied to at the branch about payment being made. 
Compensation for time spent trying to rectify this issue, in my case, 3 hours at my overtime rate of {$36.00} an hour. This is time that I used in excess of my normal working day.
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Product: Credit reporting or other personal consumer reports

Form 1099-C - Discharge of Debt was filed by XXXX XXXX XXXX XXXX XXXX with the IRS, for the mortgage loan account number XXXX in the amount of {$75000.00}. Copy B of the 1099-C form was sent to me by XXXX XXXX XXXX XXXX XXXX because the total amount of the debt owed has been discharged in full, due to an identifiable event that has occurred and the debt owed is now Paid In Full. This is important tax information and is being furnished to the IRS. 

XXXX XXXX XXXXXXXX XXXX XXXX  has failed to notify me the year following the filing and has failed to update account number XXXX to Paid In Full. Form 1099-C must be filed in the year following the calendar year in which the identifiable event occurs. XXXX XXXX XXXXXXXX XXXX XXXX had continued to collect on this debt even after filing the 1099-C with the IRS and discharging the debt. XXXX XXXX XXXXXXXX XXXX XXXX has lead me to believe that this loan is not paid in full and I had continued to make monthly mortgage payments following their 1099-C filing on this loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX, This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report.

3. Debt Validation : o The name and address of the original creditor.

o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied. 
o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt. 
4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy.

5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies.

Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation.

Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts.

Remove any negative information related to this debt from my credit report.

Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General.

Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make paym
ents A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an online dispute via TransUnion regarding an account that is being reported due to fraud. TransUnion did not investigate the new dispute and immediately came back with an autogenerate response stating the account was verified. I have a letter from the collection company stating the account was closed and removed.
Product: Debt collection

A payday loan was taken out in my name. I have asked several times in the last 2 years to please stop calling me. At one point they admitted the charges were likely fraud but I still owed a debt and needed to pay. The company name is Ad Astra Recovery Services.
Product: Credit card or prepaid card

Apple Card disputes not being correctly handled. 
- Made disputes on card in XXXX reference a payment to XXXX. Was found in my favor XX/XX/XXXX. As per Apple Card request changed card number etc. XXXX charges were denied as using wrong card number. Then as of XXXX Apple Card has been paying the same transactions they denied previously and no one at customer support will help. 

- also Disputed payment to online retailer who failed to deliver item. Got no response from merchant when tried to get refund as item hadnt arrived. Item wasnt shipped as per the retailers own system for tracking shipments, so simple dispute. Heard nothing from company raised dispute with Apple Card weeks later. No update. No credit to my account. No communication at all. Been months of being stonewalled by Apple Card. 

No communication from dispute department. They dont seem to make refunds for amounts found in favor. Rather they remove the disputed amount from clients available balance - then charge it back if found in favor. This means were paying apple for the disputed amount won in the consumers favor. Customer service admitted this was the case but stated no one ever complains about it.