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

Please be advised that as of XX/XX/XXXX, two ( 2 ) separate notices went out on XX/XX/XXXX & XX/XX/XXXX ( see attached ) to XXXX, XXXX and TRANSUNION requesting verification of the undermentioned debt ( s ). It has become increasingly clear that XXXX, XXXX and TRANSUNION are willfully negligent in rectifying my affairs. They are willfully and negligently failing to remove unverified accounts included in my consumer report, and to employ reasonable procedures to assume maximum possible credit reporting accuracy. I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the FCRA and FDCPA. XXXX, XXXX and TRANSUNION were given 30 days from the date of notice, and another 30 days with the second notice -as a courtesy, they were to provide supporting documents and PROBABLE evidence that I have any obligation to the undermentioned alleged debt ( s ). XXXX, XXXX and TRANSUNION were unable to produce said requirements within the generously allotted threshold, and by Federal Law they are required to remove the accounts from my consumer report without prejudice due to their negligence. At this point, You, XXXX, XXXX and TRANSUNION, and its representatives /agents are Civilly Liable for willful noncompliance under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) on your transgression against me, a federally protected natural consumer identified in 15 U.S.C 1692a ( 3 ). I can take lawful action for your violations by assessing a penalty/fine of {$1000.00} each violation. In addition, if you do not comply fully you will be obstructing justice and can be held in contempt to be tried as a criminal in a court of law. I made a conditional offer to settle this matter upon lawful verification of this alleged debt in the correspondence sent to you. You, XXXX, XXXX and TRANSUNION failed to respond and illegally continued to allow the debt collector to proceed with collection activities and furnishing information of unverified accounts to my consumer report in violation of Federal Law. Under the FCRA, any information that is inaccurate, incomplete, or unverifiable, must be removed or corrected, usually within 30 days and since XXXX, XXXX and TRANSUNION were unable to provide me with a copy of verifiable proof within the allotted threshold, XXXX, XXXX and TRANSUNION must remove the accounts listed below. I demand the following accounts to be removed immediately or I will be taking this matter into Arbitration and/or file suit against you for damages for violations of the FCRA : XXXX XXXX - ACOUNT NUMBER : XXXX - BALANCE {$35000.00} -XXXX  XXXX  - ACCOUNT NUMBER XXXX XXXX - BALANCE {$680.00} -XXXX XXXX  - ACCOUNT NUMER XXXX XXXX - BALANCE {$34000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Equifax a letter demanding deletion of the following accounts that I will add as addition to this report. Since then, I have heard nothing back from the Equifax regarding my claim and now 30 days has passed. I am demanding these accounts be removed immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I am filing this complaint against XXXX XXXX XXXX  regarding inaccuracies in the reporting of a charged-off account ( [ Account Number : XXXX ] ) on my credit file. The account is reported with a charge-off amount of {$730.00} and multiple late payment entries ( 30, 60, and 90 days past due ), which are inaccurate and unverifiable.

Details of the Dispute : Charge-Off : The account is marked as charged off with a balance of {$730.00}.

I requested detailed validation of this charge-off, including a breakdown of the original balance, fees, and payments applied. No supporting documentation has been provided.

Late Payments : The account includes late payment notations ( 30, 60, and 90 days past due ), which are inconsistent with my payment records. I requested validation of these entries, including billing statements and payment history, but received no response.

Violation of Consumer Laws : Under 15 U.S.C. 1681e ( b ), furnishers are required to ensure the accuracy of the information they report to credit bureaus.

Under 15 U.S.C. 1681i ( a ), I am entitled to a reinvestigation of any disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX  XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. All transactions have disappeared.
Product: Debt collection

National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX XXXX someone. I do not believe my XXXX anyone. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on Ja
Product: Credit reporting or other personal consumer reports

The credit bureaus Equifax, XXXX, and XXXX are reporting bankruptcies on my credit report, attributing the information to thXXXX XXXX XXXX XXXXXXXX. I have attached a letter from the XXXXXXXX XXXX XXXXXXXX verifying that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. Equifax, XXXX and XXXX is falsely reporting this information on my credit report and has not yet removed it. XXXX XXXX XXXX XXXX XXXXXXXX does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE.
Product: Credit reporting or other personal consumer reports

This is complaint about my previous complaint # XXXX. CFPB was quick to close my complaint about not receiving a refund in a reasonable amount of time. TransUnion did respond however did not mention I was going to have to wait another 60 days for a payment. This is on top of waiting more than the mandatory 90 day term back on XX/XX/XXXX of XXXX. First of all I want to be clear I did not sign up for the service like they claim, at minimum it was a deceptive practice leaning towards fraud. I have never seen proof of this and the monthly fee being charged was low enough on my statement that I did not notice it for some time. The matter was agreed to in principle on XX/XX/XXXX of XXXX that I would receive a check within 90 days in the amount of {$720.00}. Since that time the only credit I have received was for 8 months of payments being credited to my credit card after being told it would be 12 months with a check to cover the remainder. The policy with TransUnion is to delay and not follow through on the refund. The customer service people are not properly trained to assist in any manner or solve the problem. I was told on XX/XX/XXXX by XXXX that it was being escalated once again to expedite the refund and I would receive a call within 3 days. On XX/XX/XXXX I did get a call from a Supervisor named XXXX who apologized for a further delay but I would get another call in XXXX more days hopefully solving the issue that was being handled by management and the Finance Department. No call was made and as a result today I spoke to XXXX customer service agents ( XXXX, XXXX, XXXX, XXXX and XXXX XXXX. Another policy with TransUnion is to wear down the customer by continuing to transfer calls where everything has to be explained all over and identities need to be verified so that I will give up. My complaint has to due with a further delay ( 60 days ) of a promise to send a check and CFPB is more than happy to assume that will happen and to close the case. I assure you I will not receive a check even if I were to wait for their most recent delay when it should have been expedited no thanks to your Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a free credit report from Experian and not received my free report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX dated XXXX. It stated the following :. " if your loan was current at the time of going into forbearance, then each month you are in forbearance, we will report the status of the account to the credit reporting agencies as current. '' Additionally, the letter stated, " We are here to help. We understand late payments stem from a variety of reasons. We strive strive to make every effort to help ease the financial difficulty to help you stay on track with your mortgage payments ''. 
These are all kind, beautiful, supportive words, but they are completely untrue. I missed one payment by accident, and XXXX immediately reported me to the credit agencies. My score went from the XXXX 's to the XXXX 's. This making it impossible for me to buy a house, or a car, or even qualify for a credit card. 
This is what happened. In XXXX of XXXX, I signed up for automatic payment from my checking account to XXXX, so that I would never be late. What I did not realize that the process took 60 days to take effect. When I signed up in early XXXX, I thought the XX/XX/XXXX payment would be automatic. However it did not take effect until the XX/XX/XXXX payment. Thus, the XX/XX/XXXX payment was late. I paid it immediately upon realizing my mistake. XXXX did not care that I made an honest mistake. They reported me to the credit bureau. This happened during the peak of COVID. This seems like drastic and unfair punishment. I am requesting that XXXX does the honorable thing and restore my credit back to normal by removing the " 30 day late. ". Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My concern is that An account from the company " XXXX XXXX '' with A late payment status on XX/XX/2022 was previously removed from all XXXX credit reporting agencies the next month XX/XX/2022. But as of XX/XX/2022 the Late Payment reappeared on all XXXX credit reporting agencies without my consent, without notifying me first, and without explaining why this previously deleted item is reappearing on my credit reports. And they want to keep claiming it's been verified but not tell me how. Futhermore my concern is COMPLIANCE. They have violated COMPLIANCE. 
The credit bureaus are operating out of compliance. Due to the fact stated in the Consumer Financial Billing Act. I should be contacted before anything is placed on my credit report that has the potential to adversely affect my report. Also, I'm supposed to be contacted within 5 days before, I repeat before this is placed on my reports, to offer an explanation. In this case I was never called, emailed or received A letter. 

The Deletion changes are all documented within the cfpb database ; CFPB XXXX Experian Responded XXXX ; " The disputed item is appearing just as you stated it should, on your current Experian credit report. The account is being reported as never late. A credit report is being mailed to your attention for review and confirmation. '' Unquote. 

CFPB XXXX XXXX Responded XXXX On the credit report it shows, " No Delinquency, No, Never Late and Paid as agreed. ''
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against American Coradius Interantional LLC for committing identity theft. I have never given American Coradius International LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both equally liable for violations under 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with American Coradius International LLC and my failure to. dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving American Coradius International LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from American Coradius International LLC before they decided to commit numerous violations under the Fair Debt Collection Practices Act. American Coradius International LLC is using unlawful extortionate means to commit abusive, deceptive, and unfair debt collection practices in order to bring harm to me and my financial reputation for an alleged debt that has not been validated. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activity, of this and any alleged debt until American Coradius International LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and American Coradius International LLC continues its collection efforts, I will file for litigation for actual damages caused and American Coradius International LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Payday loan, title loan, personal loan, or advance loan

When I took out a second loan with Titlemax on a second vehicle, I was told that both loans would be combined into XXXX account. This was not done. A second account was created instead which I had no access to. I paid my visible account as agreed, but the other ( which was filed under an erroneous phone number ), went delinquent. Noticing that my payment was less than I expected, I called the store. They assured me that my account was up to date and did not inform me of the second, delinquent account. On XXXX XXXX, XXXX, my van was repossessed without any notice or subsequent information. I had no idea where the van went! After investigation, I discovered the second account through the vehicle VIN. I paid off the loan in full, but Titlemax refuses to pay to return the vehicle- which was towed XXXX miles away! Since the vehicle was temporarily inoperable when it was towed, I can not simply drive it home. Titlemax stated emphatically that they never return vehicles for any reason, even if the error is theirs. They claim I should have noticed the errors when I signed the contract and should be thankful not to be charged additional fees!
Product: Checking or savings account

I've been waiting on my direct deposit for XXXX days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX EXETER FIN XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$210.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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: Credit card or prepaid card

CFPB, I would like to disclose there has been XXXX and lack of disclosure which has led to the Revocation of my XXXX. I would like to formally revoke, rescind, and repudiate my signature on the original application presented to Capital One and demand the cancellation of our agreement, pursuant to XXXX XXXX. 

It has come to my attention that the original application, on which I provided my signature, was fraudulent on its face due to the lack of full disclosure. The application failed to inform me that Capital One was providing me with " bank credit '' out of thin air. Had this fact been disclosed, I would have been aware that the element of consideration was missing from the contract, and I would not have entered into the agreement. 

I want to emphasize that fraud has no statute of limitations, and its presence vitiates every contract agreement. In light of this, I hereby demand that your bank cancels our agreement and return to me every dollar of my labor, along with all interest I have ever paid to you for the duration of the agreement. 

Furthermore, I will personally contact the vendors with whom I have outstanding debt for the products or services I purchased from them that are not under dispute. I will make arrangements with them directly to cure the debt within a reasonable time frame.
Product: Money transfer, virtual currency, or money service

I received money from a cousin to help defray the cost of my younger brothers funeral expenses by way of Venmo. When I tried to have that money transferred to my bank account on the XXXX of XX/XX/2023 I thought it was going to go through. I checked back a few days later the XXXX and found that the transfer was canceled by Venmo and my account was locked. I tried to resolve the problem by email as suggested and am unable to get any type of explanation as to why exactly my account was locked. The amount is XXXX. I tried both email and phone calls to resolve the issue and my account is still locked we need that money asap!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion will not take a dispute online, try to call get no response.reporting incorrect balances on 2 accounts, reporting incorrect credit lines, reporting XXXX XXXX credit usage, using less than XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a written dispute letter via certified mail to Experian. The account still remains and have not been fully validated. 
On XX/XX/2022, I sent another written dispute letter via certified mail and the account still remains and have not been fully validated. 
Credit reporting company : Experian XXXX XXXX XXXX XXXX TX XXXX Account being disputed : XXXX XXXX Account Number XXXX Amount {$520.00}
Product: Mortgage

I received a certified letter stating that my reverse mortgage was in foreclosure through PHH Mortgage. They stated that my signature did not match my original loan documents and they took foreclosure measures without any contact with me. I have been sick, but in order to save my house I had to go and get my signature notarized and send it back to them certified mail. I spoke with them 7 days later and they stated they did not receive it. I was able to pull up the tracking number for them and it had been received on XX/XX/2022. They stated they would open an " investigation ''. In the meantime, the threat of foreclosure is very real. I have made at least 10 attempts to contact them and have gotten no suitable answers as to why they are proceeding with this. All of my payments and requirements are up to date.