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

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Transunion has failed to respond to all request!
Product: Payday loan

I received a text from this company saying they were US Bank and I was authorized a loan amount of {$9000.00}. All I needed to do was call his number. Well after what just happened to me I XXXX this info and got the actual bank finding out there was no branch within XXXX miles of this state we called the number conference call and questioned him as to the validity of his claims to being a member of this bank. He then got belligerent with myself and the actual loan officer of the real US Bank and hung up. He did not get money from me I have already closed my checking account do to the previous fraud so I am reporting an attempted fraud by this fraudulent company.
Product: Credit card or prepaid card

The Priority Pass benefit that Chase offers on their Reserve card is TRASH and the customer service for it is TRASH. I called to do something very simple : add my digital card to my profile. The person I spoke with ( who I could barely understand ) refused to add the card to my profile, demanding that I create a new one. I told him that I didnt want to do this, so he should delete my other profiles first and re-create them. He starts spewing LIES about GDPR saying that it requires them to wait 30 days to delete information, which is incorrect. The man was horrible and the customer service I got from Priority Pass consisted of nothing but moronic lies. This service is a scam and Chase has the obligation to ensure their offering works correctly.
Product: Checking or savings account

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX Bank of America account number XXXX XX/XX/2020 I am a Bank of Americas costumer and keep an account # XXXX where my son is cosigner. On XXXX XXXX my son received a text message by XXXX XXXX and this girl asked him make to her a favor because she was very busy. She asked to my son make a transfer for {$1000.00} to her friend, then she sent him a check for amount {$900.00} ( which I attached ) which my son deposited on our account and this amount ( {$900.00} ) had available in our account the next day XXXX XXXX. Once the money was available my son made two transfer for {$600.00} and {$400.00} through XXXX to following email : XXXX. Both transfers were deducted from the account the same day, but a few days later, that is on XX/XX/XXXX, the transfer of {$600.00} was returned to the account because there were not founds, however on XX/XX/XXXX when my son received his payment of his salary it was deducted from the account again without making any notice, when it was evident that this was suspicious activity On XXXX XXXX the check was return and my son text his friend and she apologized and sent to my son another check for {$2400.00} ( which I attached ) to cover the amount that was returned and asked that the remaining amount of {$1400.00} be sent to his friend as well. My son immediately deposited this check which was return as well after three days. I called to the bank to report the fraud and they said me that they can not do anything about this, I asked them to verify if the account which my son made the transfer is from a costumer of the Bank of America or another bank in the United States, they must do the investigations because the banking system of this country must not allow people to engaged in defrauding people keep bank accounts in this country, which happens for not doing the due diligence to his costumers On XX/XX/XXXX we have received a letter of Bank of America and they attached two checks return reason : Altered/fictitious I wonder what is the reason the bank at firs put de money available when was a fraud check and why they did not block the account. 
I respectfully go to you to carry out the pertinent investigations or procedures and establish the corresponding responsibilities. 
I attached to you copy of checks and my bank statement to show you what happened Thanks for your support Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural Person, I am a living Human Being. I have rights under 15 U.S.C 1681.

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 Furnish a Account without my Written Instructions.
Product: Money transfer, virtual currency, or money service

Had account for some time. Got paid yesterday to start a project for a client via credit card and they suddenly are holding the payment with no explanation. I have already provided all the documents they requested and got an email saying the account is approved for payments and still they won't release the funds my client paid me to begin work for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX According to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a fradulent account.I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below. 
I Demand the following accounts be verified or removed immediately. 
XXXX. INQUIRY : XXXX XXXX  I ( INQUIRY XXXX ) XXXX. INQUIRY : XXXX XXXX XXXX INQUIRY XXXX ) XXXX. INQUIRY : XXXX XXXX XXXX  INQUIRY XXXX ) XXXX. ( Account name XXXX XXXX XXXX XX/XX/XXXX Account number XXXX Account type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Updated. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
XXXX Number XXXX Date Generated XX/XX/XXXX >Please remove all non-account holding inquiries over 30 days old. 
<Please add a XXXX Suppression to my credit file. 
<Please remove all accounts that are no XXXX XXXX COMPLAINCE. 
PLEASE NOTE THAT YOU HAVE 30 DAYS TO COMPLETE THIS INVESTIGATION, AS PER THE Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). be advised that the description of the procedure used to determine the ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEARBY REQUESTED AS WELL, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, INCLUDING YOUR METHOD OF VERIFICATION. I DO NOT CONSENT TO XXXX XXXXR ANY MEANS OF AUTOMATED VERIFICATION.

Failure to respond satisfaction within 30 days of receipt of this certified letter may result in small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of Fair Credit Reporting Act 4. ) Financial XXXX
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 these companies did unauthorized inquiries without my consent
Product: Credit reporting or other personal consumer reports

Remove account involved in litigation " an incorrect high balance '' an inaccurate date of last activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX  Phone ( XXXX ) XXXX Account Number : Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

and Did not consent to unauthorized inquiry XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Please Remove It From My Credit Report. 

Remove all non-account holding inquiries associated with fraud and identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have trying to contact Equifax without any result, they transfer me to one department to another, at this point I don't know what to do. the affairs department is the worst. 
1- ccount Number XXXX XXXX XXXX XXXX XXXX , this account doesn't belong to me at all. 
2- XXXX XXXX XXXX XXXX Account Number XXXX XXXX, this account have been sold appear twice in my report .Activity Designator TRANSFER_OR_SOLD 3XXXX XXXX   XXXX XXXX  XXXX XXXX Account Number XXXX XXXX Account Status CHARGE_OFF im still making payment for this account. 
4- XXXX XXXX XXXX XXXX Account Number XXXX XXXX this account appeat twice on my report and is pay off.Activity Designator TRANSFER_OR_SOLD 5 - XXXX XXXX XXXX XXXX Account Number XXXX XXXX this account is already discharge 6 -  XXXX XXXX XXXX XXXX Account Number xxxx # # account have been pay off.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I rented a home from XXXX XXXX. After renting this home from a licensed real estate broker, I learned that the homeowner had not paid their association dues in years. My family and I were unable to use any of the amenities advertised with the rental of the home. We also started to receive bank notices from XXXX XXXX, that we did not open, in the homeowners name signaling that they were not paying the mortgage either. Several key appliances for the home broke and the homeowner would not fix them. In XXXX, XXXX XXXX dropped this homeowner for cause and left me stuck to try and negotiate with the homeowner that XXXX XXXX  's owner XXXX XXXX, had told me were impossible to deal with. 
At this time more appliances broke and the air conditioner leaked into the home causing black mold to appear. The homeowner once again would not fix appliance or the air conditioning unit or the mold. I sought legal council. He informed me I had no lease and should move which I did. 
5 months after vacating the home and returning the key I received a collection notice from Financial Accounts Services Team, INC that XXXX XXXX was trying to collect {$9300.00} from me. I immediately contacted XXXX XXXX and he told me " OK. You can just pay collections when you want it removed from your credit report. '' He also told me he had an eviction. If he has done this it is an illegal eviction in Tennessee. I have no idea if this is true as I was never served and did not live or have keys to the residence. This home has been in their possession for 6 months and has been listed for sale. I immediately faxed proof that XXXX XXXX had broken the lease, that I had moved and the debt was not a valid claim on XX/XX/2020. I stated not to contact me again. On XX/XX/2020 at XXXX XXXX EST, I was called on my cell phone by Financial Accounts Services Team, INC. The lady was rude and abusive. I told her I had sent the fax and she said they would continue to call and harass me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX and 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 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 reported in months that are reported late to be removed.

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 payments 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. 


XXXX XXXX XXXX, XXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

comdata charged my card a charge of XXXX and one of XXXX, I had to call multiple times to try and get the problem resolved. They keep insulting me by hanging up the phone, after long periods of holding and waiting. I sent them enough proof to return the money, but now they want to close my m accoun from they mistakes.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inclusion of a credit account associated with XXXX XXXX  ACCOUNT # : XXXX on my credit report. I was only an authorized user on this account it doesn't belong to me. I did not provide consent for its reporting, as stipulated by 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ). 
I request the immediate removal of this unauthorized account from my credit report, as it is adversely affecting my creditworthiness and preventing me from pursuing financial opportunities such as securing a new car, obtaining a loan, or purchasing a home. 

I appreciate your prompt attention to this matter and kindly request updates on the progress of this investigation. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has came to my attention that my personal information was in fact exposed in a data breach. After carefully reviewing my credit reports, I noticed some accounts that I am unfamiliar with. I have asked Experian for validation of debt on a previous occasions, as seen here on previous complaints, this information was never provided. Due to my recent knowledge of my information being exposed, an FTC complaint has been filed on behalf of the information I am unfamiliar with. Please find attached a copy of my ID, the FTC complaint, and a validation of debt letter. As indicated in 605b 15 USC 1681 c-2, Experian has 4 days to block and investigate this information. Please be advised that failure to block the information in this FTC report from my credit profile within 4 days will be considered a violation of my rights and will result in legal action being taken against Experian.

As it is public record Experian Information Solutions is currently being sued by the Consumer Financial Protection Bureau, please conduct a proper and thorough investigation. Failure to do so will result in further legal action. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have 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 is the list of the erroneous account reporting on my Credit Report : MILITARY CREDIT SERV XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new & updated information on XXXX. On XXXX XXXX sent me correspondence via mail stating theyve verified the information inside of my identity theft report ( see attached file ). XXXX is using a computer generated system to verify this information. XXXX stated in their correspondence that they previously completed an investigation & verified the information and are not required to reinvestigate the same item ( s ) at this time ( see attached file ). Thats completely unlawful because XXXX nor the furnishers of the information ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX provided me with the scope of the investigation. I demand to see the procedure XXXX used to determine the items in my identity theft report to be complete & accurate. As well as the permissible purpose XXXX has to furnish this report by sending me the ORIGINIAL contract/instrument bearing my signature, written Instruction from I the consumer, or a court order showing my obligation to pay the alleged debts being advertised on my consumer report. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) ( iii ) XXXX  has a duty to provide me a notice that, if requested by the consumer ( which Im requesting ), a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, INCLUDING the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. As you see, federal law states that XXXX has to provide me the full DESCRIPTION of the investigation procedure. In XXXX correspondence they only provided me the names & addresses of the furnishers but failed to provide me the actual description of how XXXX is verifying the item ( s ) in my identity theft report. XXXX stated unless I have additional information they will not look into my complaint. I have since then provided additional information along with a Federally approved Identity theft report from the FTC that regulates XXXX. 

I would like to also add that before I submitted my identity theft report EQUIFAX deleted the same item ( s ) because they couldnt verify the information. This would further XXXX willful noncompliance. Pursuant to 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. EQUIFAX partook in the same exact investigation with the same furnishers of information and deleted the accounts. XXXX knowingly or should have known that the accounts were indeed inaccurate & unverifiable according to the automated system.
Product: Payday loan, title loan, or personal loan

XXXX Purchase of shed, was returned and refunded. Purchase was made with AFFIRM, when it arrived, noticed it was too small. RETURN WAS REQUESTED IMMEDIATELY. Item returned. NO refund, AFFIRM keeps billing me. contacted both companies multiple timesXXXX keeps saying check your bank and I keep telling them I purchased with affirm, through their website. AFFIRM says XXXX never sent refund to them. I finally spoke with someone at AFFIRM who confirmed they received refund from XXXX. They never fixed the account or stopped billing me. Never sent back what I already paid. ITS been 6 months now, I am still paying through affirm for something I returned immediately. neither company has a number to call to actually talk to someone who can help. I have to keep inquiring online. 

Getting the run around with affirm. was on the phone with them, they confirmed they could cancel, never received any refund for what I paid so far, they keep charging me the next installment. I keep contacting them and then the next person I get tells me they never got refund from XXXX and I need to keep making payments. There is no good number, no custumer solutions, and I am being charged further installments and interest for an item I returned immediately,
Product: Mortgage

While the XXXX letter is really long, and filled with details. As per usual its mostly phony superfluous verbose garbage that describes in great detail things that dont matter while omitting real substance that can be balanced. 
The final agreed arrears are covered. However the fact {$6400.00} was paid on it was left out. Why? 
Its left up to the imagination to credit that amount and guess what else has been added. But we do know the date I filed XXXX  XXXX and the date it was dismissed. The product of the unpaid ( {$28000.00} ) and the months they would not allow payment without reinstatement. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX at time of letter. That looks like XXXX {$23000.00} + XXXX??? = {$52000.00} sort of matches. Why not detail that stuff? Keeps us in the dark. Hard to dispute. Thats been the case for over a year. XXXX from XXXX  XXXX had the idea to ask XXXX  to show credits applied and their effect on the balance. This was never done, but it would have been a way to prove the canceled XXXX  XXXX trustee checks were deposited but not applied. They just kept saying the payment were applied. 
They werent. see XXXX and statements over {$30000.00} in mistakes From XXXX to fund was to be covered by XXXX. Note escrow is included. 
I was unable to make XX/XX/2022 because of the reinstatement issue. No count of months was outline to be added to the total. We are seldom given enough data to balance and its intentional. 
Note agreed arrears were entered at times when escrow was 200 % requirement. Because of misapplied payments. XXXX XXXX XXXX  should match up month over months because they have always been paid as one payment. The fact the escrow does not match balance is proof of mistakes. 
We see over {$30000.00} in mistakes despite denying any mistake was made for years. It should not be surprising that $ {$4900.00} overage in escrow turns into ( {$3700.00} ) then {$9000.00}. 
The only good thig is XXXX  is so bad at her job she leaves enough data to prove she has no idea what is going on. How could they be off by such substantial amounts. Even when others approve her work. 
Lucky for me she outlines the overage in the phone call on the letter. I think they must use post it notes or something. Its insane. XXXX cant be the only XXXX to experience this. They nearly foreclosed on me. 
{$6500.00} per the letter to reinstate or zero now its {$9000.00}. 
*They have also refused to reveal how Ive XXXX a year in my amortization without overpayments. thats another complaint.