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

Dear Consumer Financial Protection Bureau, CFPB AND 3 Credit Bureaus ( XXXX, XXXX, and XXXX ) : THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON ALLY AUTO FINANCE ACCOUNT FOR ( MY XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) ENHANCEMENT. I DO NOT OWE you, ally bank, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX, XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY ALLY AUTO FINANCE HAS TAKEN PLACE. IN ADDITION, ALLY AUTO FINANCE, MISS XXXX, IS NOT TO CONTACT ME EVER. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE ADVERSE INACCURATE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ) AND XXXX. XXXX   IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further communication effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). ALLY AUTO FINANCE YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} ALLY AUTO FINANCE. Sincerely and Respectfully, XXXX XXXX MD
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 always made my payments on time. For some reason, I realized that there were days of late payment on my credit report and I do not believe I was late on the dates they are reporting. These accounts should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an accounts that has already been paid. According to FCRA 605B, the 3 Credit Bureaus should revealing 100 % precise. Kindly help me correct these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my XXXX XXXX Experian credit reports and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These accounts have been detrimental to my life and credit health.
Product: Debt collection

This company is constantly calling me about a debt that I am not responsible for. They have the wrong lease year for my apartment. 

They also have continuously been using aggressive tactics and are unreasonable on the phone. I have stopped answering their phone calls as a result. I've tried to explain that the debt I had was paid. I filed a dispute with XXXX XXXX, but IQ Data has refused to remove the debt from collections. I filed an additional dispute which is currently in process.
Product: Credit reporting or other personal consumer reports

My address is XXXX XXXX XXXX XXXX IL XXXX. All other addresses should be deleted because they are connected to fraudulent activity XXXX XXXX XXXX 

Please delete XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX People use these addresses to commit identity theft in my name.
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). TransUnion is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the company is verifying erroneous information to the CRA through an ACDV, and hasn't provided you with proper validation of the debt?

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. 

Please provide information to the following questions When was the dispute started internally at TransUnion? 
When was the dispute sent to the original information furnisher? 
When did TransUnion receive a response from the original information furnisher? 
What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as TransUnion is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX Trans Union CorporationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the judge ruled that TransUnion violated the Fair Credit Reporting Act by failing to compare evidence. TransUnion has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ....
Product: Checking or savings account

On XX/XX/21 I opened an account with XXXXles Schwab Bank. 
On XX/XX/21 I sent a transfer of {$12000.00} from my XXXX bank account to my Charles Schwab checking account. The transfer was received and credited to the Schwab account. 
On FridayXXXX I sent a wire transfer from the Charles Schwab account to my brothers XXXX  XXXX XXXX account . The online notification from Charles Schwab indicated that the transfer was successfully submitted. 
On the following Monday XX/XX/21 I discovered that the transfer had not been made and that my account was locked and under investigation When I initially called customer service I was told that as it was a new account, it was being scrutinized and it should be cleared up and unlocked in 3 -5 days.

Later on another calI, I was told by another rep that it would be 3-5 days. After more calls I was told it would be 5-7 days before the situation was resolved.

Now, going on 3 weeks and dozens of calls to the Schwab, I am being told that they are holding the account on lock down in perpetuity. They give no cause, no solution and are simply choosing to keep my account locked with no available action or redress on my part.

Customer service and their supervisors have told me multiple times they can only email the Schwab fraud team, the ones that are reported to have locked the account and hope for a reply.

I have heard this at least a dozen times now and yet no resolve. I spoke to a supervisor and was told the same exact thing word for word that they have no direct way of communicating with the fraud team and can only send emails.

Both the customer reps & the supervisors allegedly sent emails to the fraud department manager and still there has been no move to resolve the lock down On XX/XX/21 a Schwab rep told me that Schwab fraud dept. is waiting to get a verification from XXXX XXXX  of my account there ( where the funds initially came from ) before allowing me access to my money. 
On XX/XX/21 I placed calls to Chase Bank and was informed that they have not been contacted by Charles Schwab regarding this matter.

Schwab has confiscated the money in my account, given no indication if, or when it would be returned, and there is no redress to my grievances, or recourse to the situation.

Charles Schwab will not tell me why it was locked down or what can be done to unlock it. They further indicate they can keep my money in perpetuity. Therefore I am filing this complaint against Charles Schwab as they indicate they are keeping my money and leave me no other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information being reported into my Experian Credit Profile as delinquent on a closed account. Additionally, incorrect balance reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed unauthorized inquiries on my credit report. Been trying to get them removed.. Equifax says that they deleted them but they are still showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is MY 4TH attempt to correct inaccurate information being reported in my credit report published by EXPERIAN. I found a number of items on the report that EXPERIAN are publishing, Data sets related to inputting of accounts were not XXXX XXXX Complaint, I have demanded EXPERIAN disclose all of the documents upon which experian are relying on, for the reporting these hard inquiries. In accordance with EXPERIAN obligations under the Fair Credit Reporting Act XXXX XXXX. XXXX the consumer is entitled to said requested records. The information EXPERIAN IS reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting. 

I have demanded that EXPERIAN remove these HARD INQUIRIES from my file within 30 days in accordance with experian 's obligations under the Fair Credit Reporting Act XXXX XXXX. XXXX, or send me copies of the documents that EXPERIAN have in your files as of this date that you rely upon for verification of these accounts. 

In addition to the above notice and request to deletion erroneous and unverified information, please also remove all non-account holding inquiries over 30 days old. XXXX XXXX XXXX, XXXX XXXX, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

Experian is simply sending me the same computer generated statements claiming these hard inquiries are verified without providing strict proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company is required to report accurate information on a consumer report. XXXX XXXX XXXX is using Coercion to try an make me pay for a debt not owed. They have reported false information on my consumer report without my consent or permission. I here by OPT-OUT of any assumed or presumed consent to share my nonpublic private information with 3rd party non affiliates. Any further reporting on my consumer repost will be a violation of Regulation P of the Code of Federal Regulation.

The original Creditor deals in securities and has failed to credit my account for the dividends made off the securities they hold in my name. This debt has been discharged in accords with the Securities Exchange Act and the Uniform Commercial Code.

Diversified has 15 days to remove this inaccurate information from my consumer report or Form 211 will be filed to have the account audited and a form complaint will be made with the Securities Exchange Commission. My private information is copyrighted and you are infringing by using my information in Commerce in and attempt to profit off it's use. I will be filling a Federal Copry Right Law suit against your company also.
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit, I sent out multiple letters to TRANSUNION but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ).

I have discovered that they trying to verify me with information that dont belong to me like addresses not mine and names, I have received 10 response cards from them asking for proof of identity and address I have provided that to them numerous of time in writing and with the cfpb and they file to do there job and its causing me issues with employment and housing.
Product: Debt collection

I unjustifiably got a XXXX violation XXXX XXXX 3 years ago ; I was not talking on my phone and proved it via showing the exact day/time of my phone bill. I also wrote a letter disputing the claim and they made me go to court 7 times on this matter also took my driver 's license away! I wrote a legal letter stating they are wrong, using the Appellate Division, Superior Court, XXXX County. 
PEOPLE of the State of California, Plaintiff and XXXX, v. XXXX XXXX XXXX, Defendant and Appellant. No. XXXX. 
Decided : XXXX XXXX, 2013, case as the model. Long story short, XXXX XXXX XXXX would n't accept my supporting documentation and suspended my license. I had to pay {$170.00} + fee to attain my DL back. Now b/c someone at the XXXX XXXX court entered the check I mailed out late, they sent a debt collector to harass me for another {$300.00}! If I do n't pay it the manager threatened to suspend my license and revoke my driving privileges altogether. I can not afford a lawyer and I NEED HELP. This injustice has gone on LONG enough. Can you please help me. Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX  XXXX XXXX calls every day XXXX once XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I requested a payoff quote for my vehicle from XXXX. They emailed me a quote the same day showing a payoff amount of {$3600.00} with a expiration date of XX/XX/XXXX. On XX/XX/XXXX I sent in the full payoff by check. 

On or around XX/XX/XXXX they attempted to withdrawal my car payment, even though they had the payoff funds. I called the company to ask why they were pulling a payment. I was told that they did have the funds, but they had not been processed yet. They said to place a stop on the payment with my bank, as the loan would be satisfied in the next few days. 

Now they are telling me that my loan is not satisfied unless I make that payment, but I paid the amount listed on the payoff quote long before the expiration date. 

I think they held my payoff funds to exploit another payment from me. They have tried to pull that payment again, which caused my account to be charged a NSF fee. 

Ive spoken to an Operations Manager named XXXX several times. On XX/XX/XXXX he verified that the funds to payoff the loan were in suspense and would be applied over the next two days. He promised me a call back on XX/XX/XXXX, which never happened. 

I called back today XX/XX/XXXX, and was told that the payoff was short by the monthly payment amount of {$230.00}. 

Why would they try pulling a payment when they had the full payoff amount in hand? 

This company is trying to exploit XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently visited my doctor for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Equifax credit report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I XXXX XXXX  without this XXXX. The error is as follows, US DEPT OF EDU account # XXXX Payment status COLLECTION for XX/XX/2022. The payment status for XX/XX/2022 is incorrect.
Product: Mortgage

Ive been out of work since the beginning of 2020. I also have a son that I have custody of that is XXXX. His primary daycare center was shutdown as well as his schoolhe had to virtual learn. The company was made aware of this, and allowed a forebearance which was great. At the end of the forebearance I filed a modification. I was told there were no options other than bringing the account current which was over $ XXXX. I havent been able to work due to reasons I cant control since early 2020 so bringing the account current was not an option that I could do. I called and spoke with someone and they advised me to file another request for a loan modification. I did this. I advised on the situation, and I also advised that I was waiting on some rent relief money to come through as well. I submitted what documents I had. I also sent emails to my my specialist XXXX XXXX regarding options that were available besides foreclosure, and I did not hear back. I recently picked up my mail from the post office, and was given the foreclosure paperwork. It was not put in my box, and I received it with other larger packages that were waiting for me to pick up. For the last month, month and a half Ive been working to get the home on the marketBefore I knew about the foreclosure. I called the company today, and advised I got the notice. I advised that Im in the process of putting the home on that market. I asked if they could lift the foreclosure, and allow me a little extra time ( month, maybe two ) to put the house on the market, and make max profit for it instead of foreclosing and both the company and myself lose money. The house is going to sell for in the $ XXXX range. Its being put up for auction at {$200000.00}, and it will probably be less than that when its all said and done. I explained this to the person I was speaking to. He didnt seem to care. He said its been a couple years, and that I best hurry up the process to sell it because they are foreclosing on XXXX. Just to clarify, during those couple of years there was a pandemic in which I lost my job, had to be home to virtual learn with my autistic son, and did not have access to a sitter or someone that specializes it taking care of a child that is autistic. So, when I let the company know that I was selling, and that the company would make the full amount of due on the loan I was surprised that I was met with a lack of collaboration. I left them with my realtors information and the call ended.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Trans Union through certified mail, I also filed a complaint with the CFPB which is still pending. Since mailing my dispute I received a response from the company that they weren't able to read my disputes, but stated they would not be investigating but ultimately claimed they did. They mailed me the same report with nothing removed, this has caused me serious financial harm, as well as caused me to not be approved for a home I was attempting to purchase as well as trade in my vehicle for a new one. They have used delay tactics in order to not properly investigate my claim when I sent them copies of police reports, identity theft reports from the FTC but all of it was ignored. We are now approaching 60 days with this being unresolved, they do not answer the phone to help solve any of the issues, and I am now in a position to file suit against the company for willful non compliance as well as criminal negligence for causing me to be financially harmed for their poor handling of this ongoing issue. Attached will be what XXXX removed non receipt of my dispute but Trans Union did nothing so how we're they able to read what was sent and they couldn't but conducted a sham investigation while violating FCRA statutes.
Product: Credit card

Fraudulent credit card inquiries XXXXXXXX XXXX XXXX XXXX  - XX/XX/year> - EQUIFAX
Product: Money transfer, virtual currency, or money service

I made a purchase with a company who didnt sent my whole order. I file a dispute with PayPal seller never responds and now PayPal says I must file a report with the FBI or they will let the seller keep my money and product. In the past PayPal worked directly with the seller and refunded the money owed to me. Why should I have to contact FBI to get what is owed to me. It seems like a way to deflect responsibility back on to me. Where is the buyer protection?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute & Request for Immediate Correction/Removal Dear Experian Dispute Department, I am writing to formally dispute inaccurate and unverifiable information on my credit report. I previously filed a dispute regarding the following 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 Bankruptcy Discharged My dispute was based on [ reason for dispute, e.g., inaccurate reporting, identity theft, incorrect balance, outdated information ]. However, XXXX failed to properly investigate my dispute or provide sufficient evidence to verify the accuracy of the information. 

I was recently notified that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX, citing violations such as accepting unreliable information and failing to properly notify consumers of dispute results. These allegations align directly with my experience, as XXXX has neither removed nor corrected the disputed information, despite my valid request. 

XXXX failure to investigate or correct these errors violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) and my rights as a consumer. As these inaccuracies are negatively affecting my ability to obtain [ a home, vehicle, credit, etc. ], I demand the immediate removal or correction of these derogatory marks from my credit report. 

Please provide a written response confirming the corrective actions taken. If XXXX fails to comply, I will have no choice but to escalate this matter further, including filing complaints with the CFPB and taking legal action if necessary. 

I have attached a copy of my credit report with the disputed accounts highlighted, a copy of my previous dispute letter, and any supporting documentation. Please address this matter promptly. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Trans union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is now suffering as a result. No notice was given which is also a violation and I am requesting that ALL inquiries be removed.
Product: Money transfer, virtual currency, or money service

I notified CashApp that I was scammed out of {$860.00}. CashApp is a financial platform, so makes them liable under the FDIC. They also bank with XXXX XXXX and XXXX XXXXXXXX XXXX. I am holding all Financial institutions under the FDIC liable for allowing the fraud and scam to take place. Also allowing the individual to hold an account currently. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.